It is good that the service provides various loyalty programs for users. So you can attract more customers. But most users will primarily pay to the usability.
The simplicity and convenience of the interface for some users plays an important role. During transactions, it is not possible to search for necessary functionals for a long time
For me it is also important, perhaps even more important than participation in referal programs. first of all if I'm going to use the wallet myself. and referals are secondary