Introduce a new OTC client who trades IDR 1 billion in their first 30 days and earn IDR 1,500,000. Introduce five and you reach Ambassador status, earning every month on everything your clients trade.

The Luno OTC Ambassador programme pays two ways. There is a one-off commission each time a client you introduced starts trading at scale. And once you have introduced five of them, there is a monthly bonus calculated on everything your clients trade from then on.

Programme period

2 November 2026 to 30 November 2027

How it works

1. Introduce a client. They need to be new to Luno. Once their account is approved for OTC trading, a 30-day clock starts.

2. They trade IDR 1 billion within those 30 days. Buys and sells both count and they accumulate across the window. When your client reaches IDR 1 billion, you earn IDR 1,500,000.

3. Do that five times and you reach Ambassador status. From then on, you also earn a monthly bonus on the combined OTC volume of every client you have introduced.

Earning your first IDR 1,500,000

IDR 1,500,000 per qualifying client, paid once, in the month after they qualify. Your part is the first two steps, and both have to be done before they apply to Luno.

1. Register and get your referral code. Do this before you make the introduction. A referral cannot be claimed after the fact, so the code has to exist first.

2. Make the introduction. Your client either applies using your code, or you send us their details before they apply.

3. Their account is approved for OTC trading. This is day zero. The 30-day clock starts here, not when you introduced them and not when they applied.

4. They trade. Every OTC buy and sell adds to their total across those 30 days. It does not need to be one large transaction.

5. They pass IDR 1 billion. The commission is earned the moment their combined volume crosses the line.

6. You are paid in the following month.

Example

Arief introduces a client whose account is approved on 4 November 2026, so their window runs to 3 December.

The client crosses IDR 1 billion on 26 November, well inside the window, so Arief earns IDR 1,500,000, paid in December. Notice that no single transaction came close to IDR 1 billion on its own, and that the sale counted exactly as much as the purchases.

Had that third transaction landed on 5 December instead, it would have fallen outside the window. No commission would be payable, however much the client went on to trade.

Becoming an OTC Ambassador

Ambassador is where the programme changes shape. Until then you earn once per client and the relationship is settled. From Ambassador onward you earn every month, on everything your clients trade, for as long as they keep trading and you keep the status. Getting there is a matter of persistence rather than speed.

Five qualifying clients, and there is no deadline on reaching them. Take a month or take six.

Your status begins on the first day of the month after your fifth client qualifies, and the monthly bonus runs from that date.

Your five do not have to arrive together, and nothing is lost if a month passes without one.

Arief's fifth client qualifies in February 2027, so he becomes an OTC Ambassador on 1 March 2027. He has already been paid IDR 1,500,000 for each of the five along the way: IDR 3,000,000 in December, IDR 1,500,000 in January and IDR 3,000,000 in March.

From 1 March, every client he has introduced starts counting toward his monthly bonus, including any who never reached IDR 1 billion.

The monthly Ambassador bonus

Each month we add up everything your clients traded on the OTC desk and pay you against this ladder.

One thing to note: each client's first IDR 1 billion is not counted here. That is what the IDR 1,500,000 commission pays for. Everything they trade beyond it feeds your monthly bonus.

Your bonus is set by the highest level you reach, and it is one payment rather than one per level. A combined volume of IDR 50 billion pays IDR 5,000,000.

Past IDR 100 billion, the ladder stops and you earn 0.02% of the whole amount instead. A combined volume of IDR 150 billion pays IDR 30,000,000, and there is no upper limit.

The total resets on the first of every month. Each month stands on its own.

A full example

Arief reached Ambassador status on 1 March 2027 with five clients. Here is what the bonus adds on top of the commissions he has already earned.

Add the IDR 7,500,000 in commissions he earned on the way to Ambassador, and Arief has made IDR 37,500,000 from five introductions.

Keeping your Ambassador status

Ambassador status is not permanent. To keep it, introduce five more qualifying clients every three months.

If you do not, the status ends on the first day of the following month, your count returns to zero, and the clients you introduced before that point stop counting toward the bonus. You can earn the status back with five new qualifying clients.

Commissions you have already been paid are yours to keep either way.

What counts and what does not

These count

• OTC transactions by clients you introduced, buys and sells alike

• Clients who are new to Luno

These do not

• Anyone who already holds a Luno account, or has held one before

• Each client's first IDR 1 billion, which is what the IDR 1,500,000 commission pays for

• Exchange, Instant Buy, Instant Sell, Multi-buy, Repeat Buy and Bundle transactions

• Cancelled, failed or reversed transactions

• Yourself, your family, or any account you control or fund

How and when you are paid

Commissions and bonuses are issued as a Bitcoin promo code, sent to the email address registered on your Luno account, within 20 business days of the first day of the month after they are earned.

Two things worth knowing. Keep your registered email address current, because that is where the code goes. And redeem the code before the date shown in the email, since codes have a redemption window and an unredeemed code expires.

Because the reward is issued in Bitcoin, its value in Rupiah can move after it is issued.

Who can join

The programme is open to Luno customers in Indonesia who are 18 or older and verified to at least KYC Level 3. Business and corporate accounts are eligible too, once business verification is complete.

Unlike some of our other programmes, this one needs you to register. Sign up for the programme to get your referral code, then share it with the people you introduce. A referral only counts if your code was used when they applied, or you submitted their details to us beforehand.

Questions people ask

Do I need to register? Yes. You need a referral code before you make an introduction, because referrals cannot be claimed after the fact.

What if the person I want to introduce already has a Luno account? They will not count, even if they have never traded. The programme is for clients who are new to Luno.

When does the 30-day clock start? On the day your client's account is approved for OTC trading, not the day you introduce them.

My client traded IDR 1 billion, but after 35 days. Do I still earn? No. The IDR 1 billion has to be reached inside the 30-day window, and volume after it closes does not count toward the commission.

Does unused volume carry over to the next month? No. The combined total resets on the first of each month.

Do my clients need to keep trading for me to keep earning? For the monthly bonus, yes. It is calculated on what they actually trade each month. The IDR 1,500,000 commission is paid once and is not affected.

Can I refer my own family, or a company I own? No. Referrals from people or entities connected to you do not qualify.

Can a company be a referrer? Yes, once business verification is complete.

Start with one introduction

If you know someone who trades at scale and is not yet on Luno, that is where this starts. One introduction earns IDR 1,500,000. Five turns into a monthly income.

• Register for the OTC Ambassador programme here

• Full terms and conditions: Indonesia OTC Ambassador Programme Terms and Conditions