Rakuten + SoFi + Kraken Combo Referral Code & Link

About This Referral Combo

This is a triple referral combo tutorial specifically designed for US students, US citizens, or non-US residents with ITIN. This process can be completed on both mobile and desktop devices, offering a low-barrier, high-reward combination through referral codes.

Who This Is For

• US citizens and green card holders
• US students (with SSN)
• Non-US residents with ITIN (digital nomads, cloud residents, etc.)
• Those who don't currently have a SoFi account

Your Benefits

This referral program can earn you up to $900 total, including:

• Rakuten new user bonus: $50
• Rakuten SoFi cashback: up to $375 (varies, please monitor Rakuten offers)
• SoFi friend referral bonus: $25
• SoFi official signup bonus: $300
• Kraken crypto trading bonus: up to $150

Rewards Received Update

• Rakuten: $425 total confirmed ($375 SoFi cashback + $50 welcome bonus). Confirmed and waiting for payout.
• SoFi: $25 referral bonus already received. $300 DD bonus received and credited to account.

Get Started

Step 1: Sign Up for Rakuten

Register for Rakuten using the referral link: https://www.rakuten.com/r/MRFECH?eeid=28187

Step 2: Sign Up for Kraken

Register for Kraken using the referral code: bf44j27h

Visit: https://dorefer.com/kraken for detailed instructions and to get started.

Kraken Rewards Structure:

• Account setup and verification
• Minimum $100 deposit
• Trading tiers:
  • Trade $100+ → Earn $15
  • Trade $300+ → Earn $20
  • Trade $500+ → Earn $40
  • Trade $5,000+ → Earn $75
• Maximum total: $150 (rewards paid within 14 days of completing each tier)

Step 3: Open SoFi Account

1. Prepare your browser: Open Chrome/Safari/Edge or any mainstream browser
2. Prepare two tabs:
   • Tab 1: SoFi referral link page: https://www.sofi.com/invite/money?gcp=58a92be4-8e39-4f6d-9194-4c751204f4ef&isAliasGcp=false, click "Claim Bonus" and keep this tab open! for stacking referral code benefits
   • Tab 2: Visit Rakuten SoFi cashback page: https://www.rakuten.com/shop/sofibanking
   • Click "Shop Now" to enter SoFi signup page
   • Complete SoFi account opening
     • Fill out information normally after being redirected to SoFi page
     • No need to activate physical card, no need to deposit money upfront
     • Simply access your account dashboard

Step 4: Complete Kraken Trading Requirements

After setting up your Kraken account, complete the trading requirements to earn up to $150:

1. Verify your account - Complete KYC verification
2. Make minimum deposit - Deposit at least $100
3. Complete trading tiers:
   • Trade $100+ → Earn $15
   • Trade $300+ → Earn $20
   • Trade $500+ → Earn $40
   • Trade $5,000+ → Earn $75
4. Rewards timeline - Paid within 14 days of completing each tier

Step 5: Direct Deposit (Critical Step)

This is the core step to earn SoFi and Rakuten rewards:

Recommended Strategy: One-time DD of $5000+

To simplify the process, we recommend making your first DD $5000+, which satisfies all conditions:

• Meets Rakuten requirement: ≥ $500
• Meets SoFi signup bonus: cumulative $5000
• Meets referral bonus: ≥ $50

Key Timeline

Recommended DD Methods

1. Bank Transfer (Recommended)
   • Fast and reliable
   • Direct from your existing bank account
   • Remember to note "Payroll"
2. Employer Payroll DD (if available)
   • Best fits DD definition
   • Choose this if you have regular salary
3. Third-party Transfer Services
   • Use established services for international transfers
   • Ensure proper documentation for DD requirements

Important Terms

Operation Tips

• Screenshot everything: Save screenshots of every key step, including:
  • Redirect pages
  • Account opening confirmation
  • Transfer records
  • Reward notifications
• Device requirements:
  • Works on both mobile and desktop
  • Use mainstream browsers (Chrome/Safari/Edge)
  • Operate in different tabs of the same browser
  • Don't clear cookies
• Time management:
  • Record account opening date
  • Set reminders to complete DD within deadlines
  • Recommend completing first DD immediately after opening account

Long-term Account Value

SoFi Banking Benefits

• No monthly fees: Permanently free of monthly fees
• Global ATM fee reimbursement: Free withdrawals at any ATM
• Excellent app experience: Clean interface, comprehensive features
• High-yield savings: Usually higher than traditional banks
• Investment features: Integrated stock and ETF investing

Rakuten Long-term Benefits

• Shopping cashback: Earn cashback on daily online purchases
• Quarterly promotions: Regular high cashback events
• Cumulative earnings: Continuous cashback with long-term use

Kraken Long-term Value

• Established crypto exchange: Founded in 2011, one of the most regulated platforms
• Wide cryptocurrency support: Bitcoin, Ethereum, and many altcoins
• Advanced trading features: Spot trading, futures, margin trading
• Strong security: Cold storage, two-factor authentication, regulatory compliance
• Competitive fees: Especially for higher-volume traders
• Multiple trading interfaces: Simple for beginners, advanced tools for experienced traders

Verification & Trust

Official Program Verification:

• Program authenticity - Verified through official referral terms of each platform
• Company credibility - All three companies are established financial institutions
• Regulatory compliance - SoFi is FDIC-insured, Wise is regulated by FCA, Rakuten is publicly traded
• Customer support - 24/7 support available through respective platforms
• Last verified - Information confirmed as of January 2025

FAQ

Q: I'm an F1 student without employment. Can I still do this? A: Yes! You can complete DD using third-party transfers from your existing bank accounts or other financial services.

Q: Do I need to activate the SoFi physical card? A: No, you can use online banking directly after opening the account. No need to activate the physical card.

Q: Is there any risk to my funds? A: SoFi is a legitimate FDIC-insured bank, so your funds are protected. Plus, there are no monthly fees, making it suitable for long-term holding.

Q: Do I have to use mobile for this process? A: No, both mobile and desktop work. Choose whichever device is more convenient for you.

Q: When will the referral rewards be credited? A: Usually within 2-8 weeks after meeting the requirements, with specific timing varying by reward type.

Q: Can ITIN users participate? A: Yes, both SoFi and Kraken accept ITIN for account opening, which is why this referral code process works for digital nomads.

Q: Do I need to use specific referral codes? A: Yes, you must use the provided referral links and codes (Kraken code: bf44j27h) to ensure proper tracking and reward eligibility.