Also, a more dynamic referral ecosystem may result from the absence of KYC, allowing users to quickly distribute their referral links across multiple platforms and increasing their earning potential. There are a number of noteworthy choices for refer & earn apps that don't require KYC that meet a range of 101 betneeds and interests. **CashKarma** is a well-liked option that offers incentives to users who watch videos, complete surveys, and recommend friends. Users can earn points with CashKarma's easy-to-use interface and referral program, which can then be exchanged for cash or gift cards. Since there are no KYC requirements, users can begin making money right away & hassle-free, which makes it a desirable choice for people who want to make money in their free time. **Google Pay** is another app worth mentioning. It has a referral program built in that lets users get rewards for referring friends to use the app.