Users are encouraging more people to adopt digital transactions and advancing a cashless economy by encouraging friends and family to use the BHIM app. This helps people by giving them an easy way to make payments, and it also advances larger economic objectives by lowerinrami gameg the need for cash transactions. In addition, by taking part in the program, users can establish a network of people who use digital payments frequently, forming a community of people who share their commitment to encouraging cashless transactions. This can make transactions with friends and family who are also using the BHIM app easier, which increases the advantages of taking part in the Refer & Earn program. The BHIM App Refer and Earn program may raise some common questions and concerns from users, just like any other referral scheme.