Banking, investing and credit
Pay on the funded account, not the form.
Fintech user acquisition for banks, brokers and card issuers. Price the sign-up low and the deposit, first trade or approved application high. Your app or website reports each step from your server.
- Funded account
- Direct deposit
- Approved application
Send a Test event. An advertiser event sent with test=true. It checks the event works and is never charged.What is a test event? for each step of the application before launch. Tests are logged and never charged.
A checking account
Website · Your landing page
- Setting up
- In review
- Live
- Countries
- US
Events you pay for
- Sign-up sign_up $2.00 Live
- Identity check passed kyc_passed $5.00 Live
- Direct deposit of $200+ direct_deposit $120.00 Live
01Where it runs
Where your bank or card offer runs.
After our review, publishers who join by request can choose your offer. Most reward their users for finishing offers, so check what your program allows before you launch.
With rewards
- Rewarded and earning apps People try a bank or card offer for a reward. Run here only if your program allows rewarded traffic.
- Offerwall platforms and networks They pass your offer to the apps and sites they work with, so a program's limits need saying up front.
A customer on our Hosted Offerwall sees your steps before opening anything. The Offer API puts your offer in a publisher's own screens, and the Top Offers Feed lists it once it's one of our top offers.
Without rewards
Offer by offer- Media sites and blogs Inside articles and roundups.
- Comparison and review sites Listed beside the alternatives.
- Email newsletters Placed in an issue, to their readers.
- Media buyers On campaigns they run and pay for.
Many banks don't allow rewarded traffic. Sites, newsletters and media buyers run hand-picked Offer Links, approved one offer at a time.
How Offer Links work02What you can price
Small at sign-up, most at the deposit.
Three example ladders, one each for a bank, a broker and a card. Change a price, add a step or move where this customer stops.
- There's no default deadline from the tap. A deposit that lands weeks later still counts.
- Deposit events carry your transaction ID, so each deposit is charged once.
- A percent of each sale works too. Our team sets it up.
A checking account
Tap a dot to move where this customer stops.
- Sign-up sign_up tracked, not charged
- Identity check passed kyc_passed tracked, not charged
- Direct deposit of $200+ direct_deposit tracked, not charged
Add a step
Six steps is the most this example shows.
This customer cost you
$127.00 USD
3 of 3 steps reached. Every step: $127.00.
An investing app
Tap a dot to move where this customer stops.
- Sign-up sign_up tracked, not charged
- Account funded funded_account tracked, not charged
- First trade first_trade tracked, not charged
Add a step
Six steps is the most this example shows.
This customer cost you
$42.00 USD
2 of 3 steps reached. Every step: $57.00.
A credit card
Tap a dot to move where this customer stops.
- Application submitted application_submitted tracked, not charged
- Card approved card_approved tracked, not charged
Add a step
Six steps is the most this example shows.
This customer cost you
$60.00 USD
2 of 2 steps reached. Every step: $60.00.
03Where to start
Start with the event compliance trusts.
Price the event that proves a real customer. For a bank that's the direct deposit, at $120 in our example. The sign-up at $2 and the identity check at $5 stay small, and they show you where people stop.
For investing, the example puts $40 on the funded account and $15 on the first trade, since a funded customer who hasn't traded yet still has money with you. For credit, the approval is the event that matters: it tracks the application at $0 and pays $60 on the approved card, so you never pay for people your own decision turned down.
Whichever you pick, your server sends the event after your own checks pass. The approval decision stays yours.
04Targeting and compliance
What you set, and what stays with compliance.
Campaigns choose countries and platforms. Your own checks decide who can open an account or get credit.
You set in the campaign
- Countries
- US Where the campaign runs, by country code.
- Platforms
- iOSAndroidWebsite iOS, Android or both, or a website.
- Destination
- Your application page, or your store listing if you run as an app.
- Steps and prices
- Each step's name, event key and price in US dollars, in wording your compliance team approved.
- Pause and resume
- Stop and restart a live campaign yourself.
Stays with you
- Identity checks (KYC)
- Rates, bonus terms and disclosures
- Lending and credit disclosures
- Approval decisions
Rules for banking, investing and credit
-
Your words, reviewed
People see your step names as you write them, so use wording your compliance team has approved.
-
Disclosures live on your page
Rates, bonus terms and lending disclosures belong on your landing page, where your compliance team controls them.
-
Rewarded traffic, or not
If your program forbids rewarded traffic, tell us before launch.
05Billing
Deposits you're never charged for.
Your server gets a status for each deposit it reports. An approved live event is the only kind that charges, so a stale export can't run up your bill.
direct_deposit outside_window
A deposit reported days late
A weekly export sends a deposit five days after it landed. Its timestamp is past the 48-hour limit, so it's logged and not charged. Post from the job that sees the deposit clear, and it counts.
Charged $0.00
Tests, events with no Click ID. A unique ID we give each tap, so a later install or event can be matched back to it.What is a click ID?, repeats and anything sent past the 48-hour limit are all free of charge.
Every status, in the setup guide06Measurement
Your server reports each deposit. No SDK.
How a tap becomes a charged deposit, and a log that shows each step's cost.
-
The tap lands with
afos_click_idWe add it to your landing page URL, so it reaches your application form.
-
Your site saves it on the application
Store the click ID with the visitor, then carry it to the customer record once they're signed in. A deposit weeks later can still match it.
-
Your core system triggers the post
Once the money clears, your server posts
direct_depositorfunded_accountwith the click ID. Deposit events also carry your transaction ID.
Event logs
Deposits and sign-ups your server reported for this campaign. Test rows cost nothing.
- Clicks
- 860
- Results
- 37
- Spend
- $4,514.00
| When | Event | User | Status | Charged |
|---|---|---|---|---|
| 2:06 PM | direct_ | u_48213 | Approved | $120.00 |
| 2:04 PM | kyc_ | u_48213 | Approved | $5.00 |
| 1:58 PM | direct_ | u_48207 | Duplicate | $0.00 |
| 1:41 PM | sign_ | u_48190 | Missing attribution | $0.00 |
| 11:20 AM | direct_ | test_user | Approved | $0.00 |
07From our public list
How bank, card and investing offers are built here.
Bank, card and investing offers from our public US list, checked 29 October 2026. Brands and payouts are left out.
-
A checking account
2 paid steps · any device
- Register
- $200+ direct deposit within 30 days of enrolling
Paid once per step.
-
A bank account
1 paid step · website
- Open an account and deposit $25
Paid once, on this step.
-
A credit card
1 paid step · any device
- Card approved
Paid once, on this step.
-
An investing app
1 paid step · iPhone and Android
- Make a first trade
Paid once, on this step.
08Questions
What finance teams ask us.
Deposits can take weeks. Will they still count?
Yes. There's no default deadline counted from the tap: the click ID stays saved on the customer, and the deposit matches whenever it lands. Send each event within 48 hours of when it happened, or it's logged as outside_window and not charged.
Can you keep my offer away from casino offers?
Not with a setting on your side today. Publishers choose which offers they show, so we can't promise yours never appears beside a casino offer.
Can I pay on an approved card and not the application?
Yes. Track the application at $0 and put the price on the approval. Your server sends the approval event once your decision is made, so declined applicants cost you nothing.
Can we wait until identity checks pass?
Yes. Leave everything before kyc_passed at $0, or make it your first priced step. We never see the check itself, only the event your server sends once it has passed.
Can I pay a percent instead of a set price?
Yes. Tell our team the percent you want to pay on each sale, and we'll set it up, since the campaign screen prices steps in dollars. Send the sale amount as revenue for return on spend. Publishers choose what they run, so an offer that doesn't let them make money won't get traffic.
Can I run on a website instead of an app?
Yes. Website campaigns add afos_click_id to your application page URL. Save it with the visitor or the signed-in customer, and send it back from your server with each event.