The IRID Referral Commission Program is FinFan's revenue-share model, allowing individuals and organizations to earn commission by referring merchants to the service for receiving foreign currency from abroad. Partners earn commission based on valid referred merchants and their actual successful transactions, under a tiered model that applies to both individual and business partners.

About IRID

IRID (Inbound Routing & Identity Descriptor) is a platform for receiving foreign currency, developed by FinFan, that helps freelancers, merchants, and SMEs in Vietnam receive funds from international customers and partners with ease. At its core is a unique IRID descriptor assigned to each customer, supporting identification, tracking, and reconciliation of transactions.

IRID is not just an identifier; it is a complete solution that comes with online management tools. Users can access it through the web portal or the mobile app to manage all of their foreign-currency-receiving activity in one place.

On the IRID platform, users can:

• Receive foreign currency from abroad in a variety of currencies through Visa partner infrastructure and a network of international financial partners.
• Manage cash flow visually on a dashboard, seeing incoming funds, balances by currency, and the status of each transaction.
• Track and reconcile transactions easily, with a transparent history for each amount received and each fee.
• Withdraw to a linked domestic bank account when needed, and follow the withdrawal status (processing, completed, etc.).
• View transaction and fee reports to understand revenue and costs and manage cash flow more effectively.

Identification and verification are carried out through a clear KYC/KYB process directly on the portal and app, so users can always keep track of their own funds.

* FinFan is Nhat Phuong Joint Stock Company (Best Way Corporation), licensed by the State Bank of Vietnam to receive and pay out foreign currency. FinFan is not a bank and does not provide deposit services.

What Is the IRID Referral Commission Program?

Under this model, partners refer new merchants to the IRID service for receiving foreign currency and, in return, earn commission based on actual results.

This responds to growing demand: the rise of e-commerce, digital service exports, and cross-border business means Vietnamese freelancers, creators, SMEs, and merchants need a clearer, easier-to-manage way to receive funds from abroad.

Through an ecosystem of partners, such as associations, business communities, and organizations that support SMEs, FinFan expands the network of merchants using IRID while sharing value back with the partners who contributed to that growth.

It operates on a net revenue-sharing principle, with transparent measurement and risk controls throughout.

Partner Tiers & Revenue Share

The commission model is tiered and based on net revenue, open to both individual and organizational partners. The share increases with the scale of contribution and the depth of collaboration:

* The specific commission for each tier is discussed and confirmed during the partnership process.

* Rates may be adjusted flexibly according to market conditions; any change will be communicated in writing at least 30 days in advance.

How It Works

1. Register to join: The partner signs up and receives a referral code (or referral channel) confirmed by FinFan.

2. Refer merchants: share IRID with freelancers, creators, SMEs, or merchants who need to receive foreign currency from abroad.

3. Merchant activation: the merchant completes KYC/KYB verification, is approved by FinFan, and generates at least one valid transaction.

4. Reconciliation & commission: FinFan reconciles monthly and pays out the revenue share after both sides confirm the figures.

Conditions for Earning Commission

A merchant is recognized as valid when all of the following conditions are met at the same time:

• Referred through a referral code or partner channel confirmed by FinFan.
• Completed the KYC/KYB process and was approved to use the service.
• Generated at least one successful transaction.

Commission is calculated only on valid transactions that have completed processing and are not subject to refund, dispute, fraud, or product-policy violations. Where a single merchant is referred by multiple partners, FinFan applies the "First Valid Referral" principle to determine who is entitled to the commission.

Reconciliation and Payment

Reconciliation is carried out monthly, based on data for valid merchants, GMV, net revenue, and eligible transactions. FinFan consolidates the figures before the 10th of the following month and makes payment after both parties have completed reconciliation confirmation, in line with applicable financial regulations. This mechanism lets partners track their contribution and receive commission on the basis of clear figures.

Partner Commitments to Transparency and Compliance

By joining, partners agree to a set of basic commitments that protect everyone's reputation:

• Provide accurate, honest, and lawful merchant information.
• Do not create fake transactions, manipulate sales, or supply false information to earn commission.
• Only use referral materials and content approved by FinFan.
• Comply with the law, anti-money-laundering rules (AML/CFT), and customer data protection.

FinFan reserves the right to decline, suspend, or reclaim commission in cases of duplicate referral sources, inaccurate records, fabricated transactions, refunded/disputed transactions, or signs of fraud.

Conclusion

The IRID Referral Commission is a way for individuals and organizations to take part in FinFan's growth and receive value that matches their actual contribution. With a net revenue-sharing model, the "First Valid Referral" principle, and a transparent monthly reconciliation process, it is designed to be fair and clear for both individual and business partners.

When you refer a merchant to the IRID foreign-currency-receiving service, you not only help them receive USD from abroad more conveniently, but you also build a source of income tied to the valid transactions they generate.

If you are a freelancer, creator, independent professional, or a representative of a company, association, or platform with a relevant network, now is a good time to start. Contact FinFan for details on revenue-share levels and how to register as a partner.

Frequently Asked Questions

Who can earn the IRID referral commission?

Both individuals (freelancers, creators, existing merchants, and independent professionals) and organizations (accounting, consulting, and law firms; associations; agencies; SaaS platforms; fintechs; and marketplaces) can join, with revenue share corresponding to each tier.

What is commission based on?

Commission is shared on the net revenue generated by the valid merchants a partner refers, not on the total transaction value.

When is a merchant recognized as valid?

When the merchant is referred through a code/channel confirmed by FinFan, completes KYC/KYB, is approved to use the service, and generates at least one successful transaction.

What happens if several partners refer the same merchant? FinFan applies the "First Valid Referral" principle; the first valid referring partner is credited with the commission.

How often is commission paid?

Reconciliation is done monthly; FinFan consolidates the figures before the 10th of the following month and pays out after both sides confirm the reconciliation.

Want to become a FinFan referral partner or learn which commission level fits your case?

• Website: https://finfan.io
• Email: info@finfan.vn
• Phone: +84 2866.853.317

Legal information: FinFan (Nhat Phuong Joint Stock Company – Best Way Corporation) is licensed by the State Bank of Vietnam to receive and pay out foreign currency (License No. 973). The IRID account helps you receive USD from abroad and is provided through Visa partner infrastructure. FinFan is not a bank and does not provide deposit services.