My experience is that the first step in creating a referral system is to create a tracking mechanism for the referrals. Since everyone using Leofinance should also have a hive account, the tracking mechanism might be to add the query string r=hiveaccount . If you want to allow different campaigns; you could have a reference page where people get the referral link.
The initial tracking mechanism does not need rewards. After creating a tracking and reporting system then you can form the rewards system.
People who try to create the rewards structure before creating the tracking system often end up with a monster that overpays or fails to properly reward users.
Posted Using LeoFinance Beta