Fintech Affiliate Program | 8.5% Fee Product | Recurring Rev Share | $110M Already Done

What This Is

We built a platform that converts credit card limits into usable cash for business owners. User links their card, we move capital to their bank. 8.5% flat fee. No loans. No MCAs. No daily pulls. No new debt created. Average transaction is ~$13K. That's ~$1,100 in revenue per deal.

We processed $110M+ on our legacy platform (MFC) over 18 months with zero marketing spend — entirely through affiliates and word of mouth. We rebuilt the entire stack as Kashu — new app, new compliance infrastructure, banking through Column N.A. (FDIC), KYC through Clear and ID.me, payment orchestration through SoftPoint. Not a startup with a landing page. This is a live, operating platform with real volume specifically for users in the United States of America.

Our only direct competitor? We acquired them. They now run on our wallet as a white-label partner.



The Offer — Who Converts

Anyone with a credit card and a reason to need capital. The sweet spot:

• Contractors, HVAC, plumbers, roofers, electricians — need cash for materials/payroll NOW
• Real estate investors — earnest money, closing costs, renovation draws
• E-commerce operators — ad spend, inventory
• Staffing agencies — bridge payroll gaps
• Freelancers and gig workers — tax payments, equipment, income gaps
• Consumers — rent, tuition, medical bills, auto repair

If they have a credit card with available limit and need cash faster/cheaper than a loan or MCA, they're a lead. The conversation is simple: "You're sitting on capital you already own. We move it to your bank at 8.5% instead of you paying 25-60% through other options."


Commission Structure


This is simple. You earn 5-20% of every dollar we collect from the users you send. Not a one-time CPA. Not a tiered guessing game. Every time your referral transacts, you get up to 20% of the platform fee. Recurring. Lifetime.

What that looks like in real numbers:

• Your referral converts $15K → platform collects $1,275 (8.5%) → you earn $255
• You send 10 users who each convert $15K/month → platform collects $12,750/mo → you earn $2,550/mo
• Scale to 30 users doing the same thing → $7,650/mo passive
• 50 users → $12,750/mo

And that's recurring. Every month they transact, you earn. Users come back because there's nothing cheaper on the market — so your portfolio compounds instead of resetting to zero.

The big dogs from our legacy platform were pulling $5-15K/month just from referrals. Some were doing $30K+. The volume is real and the product retains.

Custom deals as well as platinum affiliates get between 10-25% on their portion of collected revenue but also receive a dedicated affiliate manager and shorter payout times after the initial net 30 schedule that is standard, this ranges from bi-weekly, to monthly and for the highest echelon of affiliates additional bonuses and benefits. The minimum volume required is entirely dependent on average transaction processed, repetitive transactions, and quality of clients.

What We Provide

• Unique tracking link with attribution
• Real-time dashboard showing your referrals, their activity, and your earnings
• Creative assets (landing pages, email swipes, ad copy) if you need them
• Direct line to our growth team — not a support ticket, an actual person
• Payouts monthly via ACH once cleared earnings exceed $500

Why This Isn't Like Every Other BST Thread

I'll keep it real. Most affiliate programs posted here are either:

1. Brand new products with no volume and you're the guinea pig
2. One-time CPA offers where you grind for every dollar
3. Programs that look good on paper but ghost you when it's time to pay

This isn't that. $110M already processed. Payouts are clean. The product actually works — people use it once and come back because the alternative (MCAs at 20-60%, cash advances at 25%+ APR) is objectively worse. You're not selling something people don't need. You're showing them a better version of something they're already paying for.

I'm also not some random. I've spent $10M+ on paid media across e-commerce. I know what a real offer looks like and what it takes to scale one. This is the best risk/reward ratio I've seen in affiliate — high AOV, recurring commissions, and a product that practically sells itself once you explain the math.


How to Get Started

1. DM me or reply in this thread, or feel free to email [email protected] with the headline BHW Affiliate. We respond day or night.
2. I'll send you the affiliate application link and onboarding materials
3. You get your tracking link within 24 hours
4. Start sending traffic

Approval Information

• The affiliate dashboard/area was checked to ensure that any and all advertised features and bonuses were functional and present.
• We looked over the affiliate's account to ensure they were properly connected with the affiliate program being offered in this sales thread.
• Disclaimer: All affiliate programs approved on Black Hat World are not tested in the same way other services are. In other words, we do not actively use the affiliate program for the review. Any affiliate programs on the forum are ones you use at your own risk. Ensure you research this affiliate program thoroughly to see if it's the right one for you.

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Bump

I'm just trying to understand the value prop here for the end user. In most cases wouldn't it be more beneficial to just use the credit card to pay for whatever they need? They get no fees or interest for that billing period (if they pay the balance in full), and likely get at least 1% cash back or points etc.

I'd appreciate some clarity here. Seems like a solid product for the right use case.

kboxer7 said:

I'm just trying to understand the value prop here for the end user. In most cases wouldn't it be more beneficial to just use the credit card to pay for whatever they need? They get no fees or interest for that billing period (if they pay the balance in full), and likely get at least 1% cash back or points etc.

I'd appreciate some clarity here. Seems like a solid product for the right use case.

Click to expand...

Yes but most of the time the user is not able to pay with a credit card, Think about a down payment on a property, investing in a extra second hand truck for the company or even paying employees when cash flow gets low. These are all things that require a wire or ACH to be sent and cannot typically be paid with a credit card that is why the users see value in using a service like Kashu.

Thanks for checking it out. You'd be surprised the diversity of use cases/situations folks come to us with.

Got some exciting things to announce this week!

Is there any mobile application for Kashupay? If so maybe we can colaborate we have mobile traffic and work with Finance brands like Panda Pay, Remitly etc