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Affiliate vs referral — quick comparison

Use this table when documenting, debugging payouts, or designing UI copy. Full detail and APIs: referrals.md.

Referral Affiliate
Primary goal Attribute signups and share purchase revenue (50/40/10) plus signup/qualified bonuses Charge a markup on specific usage; affiliate earns the markup
Typical share URL /login?ref=CODE (also referral_code=) /login?affiliate=CODE
Apply / link API POST /api/v1/referrals/apply POST /api/v1/affiliates/link (and header X-Affiliate-Code on API calls)
“My code / link” API GET /api/v1/referrals (flat JSON: code, total_referrals, is_active) GET / POST / PUT /api/v1/affiliates
Revenue source Stripe checkout + x402 purchases (splits) Auto top-up + MCP (markup)
Double-dip No — same transaction does not run referral splits and affiliate markup Same rule

Why two programs: Referral economics are baked into purchase price distribution (must sum to 100%). Affiliate economics are optional markup on certain flows so cost is visible to the end customer and we never over-allocate platform revenue.