The Scenario
SendKash is a mobile remittance app allowing workers in SA to send money home to Zimbabwe/Mozambique. They want to launch a mobile-only referral engine. Word of mouth is their biggest driver, but they need to productize it to scale. They have a R200,000 budget for referral payouts.
The Brief
Design the complete referral mechanics, UX flow, and fraud detection framework for this remittance referral program. Explain how users discover it, the referral loops, and calculations of return on investment (ROI).
Deliverables
- The referral mechanics: rewards for referrer and referee, payout triggers, and conditions (e.g., first successful transfer)
- The user flow description: step-by-step from discovering the invite code to copying, sending via WhatsApp, and reward claim
- Anti-fraud rules: how you prevent self-referral, device farming, and empty account creation
- The financial model: cost per acquisition (CAC), viral coefficient projection, and lifetime value (LTV) comparison
Submission Guidance
Remittance involves money transfers. The fraud risk in referrals is high (e.g., users creating fake accounts to get signup bonuses). Your security and validation rules must be detailed.
Submit Your Work
Your submission is graded against the rubric on the right. If you pass, you get a public Badge URL you can share on LinkedIn. There is no draft save, so work offline first and paste your finished response here.