In today’s rapidly evolving fintech and crypto markets, affiliate programs offer lucrative opportunities for earning passive income. The Kudi Card Affiliate Program targets African users by rewarding referrals with Bitcoin, while the UPay Affiliate Program provides a global, scalable solution with fixed commissions, monthly payouts, and a suite of advanced tools. This review compares both programs, outlining their key features, benefits, and which option might best suit your affiliate marketing strategy.
Key Takeaways
- Kudi’s Niche Focus:
Earn Bitcoin via referrals with unlimited earning potential, but with a strong focus on African markets and reliance on crypto volatility. - UPay’s Global Advantage:
Enjoy fixed earnings of $30 per card activation plus 0.6% on monthly recharge volumes. UPay operates in over 168 countries (excluding 30+ regions such as China, Russia, Iran, etc.), offers a diverse suite of nine card types, and provides a robust support system with VIP account managers and real-time dashboards. - Earnings Stability:
While Kudi’s rewards are tied to Bitcoin’s market fluctuations, UPay’s fixed and recurring commission model ensures predictable income. - Diversification Strategy:
Affiliates can maximize their revenue by promoting Kudi for African audiences and UPay for international markets.
Overview of the Kudi Card Affiliate Program
Kudi is a fintech platform aimed at African users, offering a prepaid debit card linked to both crypto and fiat wallets. Its affiliate program rewards promoters in Bitcoin when referred users sign up and make a qualifying crypto purchase.
Kudi Affiliate Program Highlights
- Bitcoin Rewards: Earn ₦650 in Bitcoin per referral.
- Unlimited Referrals: No cap on the number of referrals or total earnings.
- Learn-and-Earn Initiatives: Additional rewards for completing crypto courses.
- Business Ownership Opportunities: Prospects to become an Independent Business Owner through the program.
Key Features of the Kudi Card
- Prepaid Debit Card: Enables users to spend crypto or fiat at ATMs, online, or in-store.
- Multi-Currency Support: Manages balances in Naira, USD, Bitcoin, and GUSD.
- Low-Cost Transfers: Offers competitive local and international money transfer rates.
- Crypto Investment Access: Provides a gateway to digital assets like Bitcoin.
UPay Affiliate Program: A Global, Scalable Alternative
UPay has emerged as a leading global payment solution provider, bridging traditional finance and digital assets. Its affiliate program is designed for affiliates who demand fixed, predictable earnings combined with a comprehensive suite of support tools and global market access.
About UPay
Founded in 2023, UPay is dedicated to revolutionizing digital payments. Its platform supports a diverse portfolio of nine card types—including premium and virtual options such as the Platinum, Stellar, Sapphire, Precious, Euro, Privilege, Prestige, and Seamless cards—tailored to meet various financial needs. UPay’s global reach spans over 168 countries, while services are not available in 30+ regions (e.g., China, Russia, Iran) due to regulatory compliance.
UPay Affiliate Program Highlights
- Fixed Commissions: Earn a $30 bonus for each card activation through your referral.
- Recurring Revenue: Receive 0.6% commission on the monthly recharge volume from referred cards.
- Monthly Payouts: Commissions are disbursed on a predictable monthly cycle.
- Diverse Card Options: Choose from a range of nine card types to suit different customer segments.
- Advanced Affiliate Tools: Access a VIP dashboard, real-time analytics, pre-designed marketing collateral, and dedicated VIP account managers.
- Tailored Partnership Tracks: Options include Corporate Partners (for businesses managing cross-border transactions), Distributor Agents (with customizable fee structures), and Affiliate Marketers.
Read Also: BitPay Card Affiliate Program: Benefits, Requirements & Commission
Participation Requirements: Kudi vs. UPay
The following table outlines key criteria for joining each program:
| Criteria | Kudi Card Affiliate Program | UPay Affiliate Program |
| Minimum Investment | ₦5,000 crypto purchase required | No minimum purchase required |
| Application Process | App registration with KYC | Instant online approval with streamlined sign-up process |
| Geographic Focus | Africa-centric | Global – Available in 168+ countries (excludes 30+ regions such as China, Russia, Iran, etc.) |
| Commission Model | Earn ₦650 in Bitcoin per referral | Earn $30 per card activation + 0.6% commission on monthly recharge volume |
| Payout Frequency | Undisclosed | Monthly payouts |
| Support Tools | Basic tracking via the Kudi app | Comprehensive VIP dashboard, real-time analytics, dedicated account managers, and extensive marketing collateral |
UPay’s low entry barriers and extensive support tools significantly enhance its appeal, particularly for affiliates seeking a globally scalable solution.
UPay vs. Kudi: Which Is Better for Affiliates?
A direct comparison between the two programs can help determine which one aligns better with your marketing strategy:
| Criteria | Kudi Affiliate Program | UPay Affiliate Program |
| Commission Rates | ₦650 in Bitcoin per referral | $30 per card activation + 0.6% on monthly recharge volume |
| Earnings Stability | Dependent on Bitcoin volatility | Fixed and recurring commissions ensure predictable earnings |
| Entry Barriers | Requires a ₦5,000 crypto purchase | No minimum investment; open to all affiliates |
| Global Reach | Primarily Africa-focused | Operates in 168+ countries, offering a truly global platform |
| Support and Tools | Basic app-based tracking | Advanced VIP dashboard, real-time analytics, pre-designed banners, and dedicated account managers |
Verdict:
UPay offers faster, more predictable earnings and global scalability. While Kudi suits affiliates targeting African crypto users—especially those keen on earning Bitcoin—UPay provides a robust, diversified program ideal for affiliates looking to expand into international markets.
Kudi Card 101
The Kudi Card is a prepaid debit card integrated within the Kudi app, enabling users to manage both crypto and fiat balances. Key functionalities include:
- ATM Withdrawals: Although fee details are undisclosed, the card allows cash withdrawals.
- Online Purchases: Facilitates digital transactions with competitive fee structures.
- Foreign Transactions: Standard charges apply along with potential markups.
- Multi-Currency Functionality: Supports spending in multiple currencies including Naira, USD, and Bitcoin.
Kudi is tailored to Africa’s growing crypto adoption, where Bitcoin is often viewed as a hedge against inflation. However, regulatory challenges and limited infrastructure may affect scalability in the region.
UPay Affiliate Program: A Reliable, Global Alternative
UPay Affiliate Program Overview
UPay bridges the gap between crypto and traditional finance with a versatile affiliate program designed for different partner types:
- Corporate Partners: Ideal for businesses managing cross-border transactions.
- Distributor Agents: Perfect for agencies seeking to customize fee structures and manage client relationships.
- Affiliate Marketers: Focus on earning through direct referrals and volume incentives.
Key Features and How to Earn with UPay
- Card Activations: Earn $30 for every activated card via your referral link.
- Recharge Commissions: Receive 0.6% commission on the monthly recharge volumes of your referred cards.
- Tiered Rewards: Top performers can unlock additional incentives as they drive higher volumes.
- Multi-Currency Support: UPay supports transactions in USD, EUR, GBP, and various cryptocurrencies.
- Comprehensive Tools: Benefit from a VIP dashboard with real-time performance tracking and dedicated VIP account managers.
- Monthly Payouts: Enjoy consistent, predictable income with monthly commission disbursements.
Why Choose UPay?
- Predictable Earnings: Fixed commissions and recurring revenue make budgeting and forecasting easier.
- Global Reach: Unlike region-specific programs, UPay enables you to tap into markets across 168+ countries.
- Advanced Marketing Support: With a range of pre-designed marketing materials and a dedicated support team, your campaigns are set up for success.
- Enhanced Security: UPay employs state-of-the-art encryption, 24/7 fraud monitoring, and multi-currency wallet security for peace of mind.
Conclusion
The Kudi Card Affiliate Program provides a unique opportunity to earn Bitcoin by targeting Africa’s burgeoning crypto market. However, its reliance on volatile crypto rewards and regional limitations can hinder scalability. In contrast, the UPay Affiliate Program offers a robust, globally accessible platform with fixed earnings—$30 per activation plus 0.6% on monthly recharge volumes—and a comprehensive suite of affiliate tools. For affiliates seeking stable, predictable income and the ability to reach international markets, UPay stands out as the clear choice.
What are the costs and entry requirements for these programs?
Kudi: Requires a ₦5,000 crypto purchase as part of the application.
UPay: No minimum investment is required; sign up online for instant approval.
How do the commission structures compare?
Kudi: Offers ₦650 in Bitcoin per referral, with earnings subject to Bitcoin’s market volatility.
UPay: Provides a fixed $30 per card activation plus a recurring 0.6% commission on monthly recharge volumes.
What is the payout frequency?
Kudi: Payout frequency is undisclosed.
UPay: Commissions are disbursed on a monthly basis for predictable income.
Which program offers broader global reach?
Kudi: Primarily serves the African market.
UPay: Operates in over 168 countries (with exclusions in 30+ regions), offering extensive global scalability.
What kind of affiliate support is available?
Kudi: Provides basic tracking through its app.
UPay: Offers advanced tools such as a VIP dashboard, pre-designed marketing materials, and dedicated account managers.
