What is this? Referals are the users that player brought into the server. YOu can has 20% swagcoins earnings from referals, without doing anything! To get referal you must be at least Guardian Rank yourself and just play with silvers, after every swagcoins drop silvers with playtime below 1 hour get assigned to experienced player online (only if he's the only player online). Help silvers to settle in, become their referer, and earn 20% of their coins income!
Also once in a while referers will be recieving dividends = totally earned amount from their referals * new referals quantity * multiplier coins. The less totally earned amount there was since last Payment of dividends the more Multiplier for next one will be.