Avici's Referral Leaderboard Ranks by Earnings, Not Friend Count
Avici is running a monthly referral race with $1,000 for first place, $500 for second and $250 for third, resetting every calendar month. The pitch is to refer more friends than anyone else. The ranking is computed on something narrower: eligible referral earnings, net of refunds, over each calendar month in UTC.
That distinction decides who can realistically win. Signing friends up moves the count. Only their settled, eligible card spending moves the ranking.
$1,000 of monthly earnings means roughly $50,000 of friends' spending
The standard commission is 2% of a referred friend's eligible card spending during their first 90 days after profile verification. At that rate, a month's earnings of $1,000 requires about $50,000 of eligible spending from friends inside their 90-day window.
One friend cannot supply it. Commissions are earned on up to $10,000 of eligible settled spending per referred user in any rolling 30-day period, applied separately to each friend, and spending above that earns nothing. Five friends each maxing the cap is the floor for a $1,000 month, and that assumes every one of them is still inside the 2% window.
Outside that window the arithmetic collapses. Level 1 pays 0.1% on a friend's spending after their first 90 days, so $1,000 of earnings from post-90-day referrals would take $1,000,000 of settled spending. Even Level 4, which unlocks at 100 qualified referrals and pays 0.3%, needs $333,000. The leaderboard is therefore a contest between referrers with a fresh, actively spending cohort, not between referrers with large historical ones.
The exclusion list removes the cheap ways to manufacture volume
Only settled eligible spending counts, net of refunds, and partial refunds cut the associated commission proportionately. Pending, declined, cancelled, voided and reversed transactions never count.
Excluded outright: ATM withdrawals, cash disbursements, cash advances and quasi-cash purchases; money transfers, wires and remittances; wallet top-ups, funding transactions and reloads; gambling, lotteries and betting; government payments including taxes, fines, courts and bail; insurance payments; and purchases of cryptocurrency or digital assets, gift cards and prepaid products. Transactions are identified by merchant category code.
Cycling stablecoins through a card and back out is covered by three separate entries on that list. What is left is ordinary merchant spending, which is harder to produce on demand in a 30-day window than a leaderboard framing suggests.
A prize can be won and then expire
Winners are confirmed after a month-end review, and a participant must hold an active Avici account with active Referrals access at the moment of confirmation. Prizes are then credited to the Referrals rewards balance rather than paid out, and from there they follow the same rules as every other reward: claims are paid in USDC to the Avici card, with no claim fee, a $1 minimum, one claim request every 24 hours, and a 90-day window that starts when the reward becomes claimable. Unclaimed rewards expire and are forfeited, and cannot be reinstated.
Ties go to whoever reached the prize position first, as recorded by Avici. Rewards already paid can be recovered by deduction from future referral rewards, though Avici states it will not debit a recipient's wallet to do it.
Two smaller conditions shape who can compete at all. A referrer needs an active Avici card to earn or claim anything, so a leaderboard position is unreachable for someone who only recruits. And a friend has to enter the referral link or code before their identity verification is approved; once approved, an account cannot be referred, and the relationship cannot be changed afterwards.
Geography closes the door before any of this applies
Avici card services are unavailable to residents of Belarus, China (Mainland), Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Sri Lanka, Syria, Turkey, Ukraine, Venezuela and Vietnam, with U.S. state restrictions on top. India and China between them rule out a large share of the audience a referral link would otherwise reach, and a friend who cannot hold the card cannot spend on it.
One more detail cuts against stacking offers: if a promotional code is used on the friend's card order, the friend's purchase reward and the referrer's milestone reward both disappear, while commissions and level progress survive. The 2% commission structure and the Avici card itself are unaffected by the leaderboard; it sits on top of them as a separate monthly pool.
Sources: Avici Referrals Terms and Conditions, Leaderboard & prizes, X announcement.
