This is a discussion about the myth of referrals being used as a way to get people to ico projects and platforms. Now because of the exit scams in lending icos the crypto community it has given referrals a bad name. This is basic research showing the practice of referrals is common in practice.
These are lending platforms that have been around for a while:
Business lending Ico.
▶️ DTube
▶️ IPFS