Everything you need to know — from registration to withdrawal — explained clearly with no fluff.
Sign up with your name, email address, phone number, and a secure password. Registration takes less than 2 minutes and is completely free to start.
If someone referred you, enter their referral code during registration — this links you to their network and ensures they receive their commission when you activate.
Pay the one-time membership activation fee to unlock full platform access. This grants you your unique referral link, your personal dashboard, and access to all 3 earning levels.
Think of it as your starter investment — every referral you generate from this point earns you money directly.
After activation, you receive a unique referral link in your dashboard. This link is permanently tied to your account. Anyone who joins PennyPoint using your link is counted as your direct referral.
Share your link on WhatsApp, Facebook, Telegram, Twitter, Instagram, or anywhere online. The more you share, the more people join under you.
When your referrals activate their accounts, you earn a commission. But it doesn't stop there — our 3-tier system means you also earn when your referrals refer others, and when their referrals refer further.
| Level | Who Earns You? | Reward (NGN) | Reward (USD) |
|---|---|---|---|
| 1 | People you refer directly | ₦[X] | $[X] |
| 2 | People your referrals refer | ₦[X] | $[X] |
| 3 | 3rd-generation referrals | ₦[X] | $[X] |
Your personal dashboard shows you a real-time view of all your referrals across all 3 levels, your total balance, your commission history, and your payout status.
There are no hidden numbers — everything is transparent and timestamped so you always know your exact earnings.
Once your balance reaches the minimum withdrawal threshold of ₦5,000 or $5 USD, you can submit a withdrawal request directly from your dashboard.
Withdrawals are processed to your Nigerian bank account or mobile wallet. We aim to process all withdrawal requests promptly.