There's no better way to put this than literal free money. Circle Pay is an application that allows you to send money to friends and family (similar to Venmo if you have ever heard of that application) instantly from your bank account/debit card and you also instantly receive money into your bank account. The limitation with Venmo is that once you have money in your Venmo account, it takes 2-3 days to transfer to your bank account. Circle is a legitimate competitor to Venmo allowing you to receive funds instantly in your bank account. To try and encourage more users to join the movement, Circle is giving anyone that joins using a referral and sends $25 using the application, $5. My girlfriend just showed me this an it's pretty tight. Here's how it works: Join Circle using my referral link www.circle.com/invite/S29X6K Once you have linked your debit card to your account it will say something along the lines of "Don't leave Hamza Rashid hanging" and ask you to conduct your first transaction of $25. After you send me $25, you will instantly get $5 in your account I send you the $25 back and you now have $30 in your account Transfer back to your bank, and you got a free $5 Refer your own friends for even more free money Please get in contact with me before you start this so you make sure I am online so we can do the transactions quickly without having to wait on each other to send money. Add me on Skype Hamouze.Sythe or DM me on Discord Hamouze#4577 Please PM me on Sythe, message me on Skype, or DM me on Discord if you have any questions!!