Beginning with the "Refer & Earn" section, current users must launch the BHIM app on their smartphones. They can then use that information to create a special code or link for their contacts. Exchange of the slots in reactCode or Referral Link. To reach a larger audience, this referral code or link can be shared on social media sites, sent via email, or sent via SMS. The recipient can download the BHIM app from the Google Play Store or the Apple App Store using the referral link or code they were sent. They will be given the opportunity to enter the referral code during the signup process, which will connect them to the referrer.