I like your proposal on this topic, and I want to add my thoughts.

We have learned that any drip of value will be hunted in this space.
Thus if there are tangible rewards in the system, then people will attempt to abuse that system for their own gain.

I think there are two things you could consider for your proposal:

• Can the ToS be used to protect against bad faith actors that exploit the referral rewards?
• Are you creating a scenario where its "better" to purchase on an alternative account than a "main" account?

I am not a fan of a completely unmonitored system for the Gold tier where rewards become "real" in the form of DEC. Whitelisting is good, but there should also be automated monitoring in place to catch/flag abusers, so that things just don't go on until they explode. (Simplest flagging rule would be: Transfer of assets/token to their referral account)

Thanks for the proposal. Community is a driver for adoption :)