Rubies Independent Banking

3 min readJun 29, 2020

Nowadays, the value of earning passive income is common place and rightly so. It is in effect, the act of earning money while you sleep and very few things seem as appealing as that. Instead of trading your time for money, you earn money as time passes without little to no effort on your part. We see this daily in portfolio investments whereby a one-time decision allows the investor to supplement their income. Fortunately, there is a way you can have an opportunity to earn a passive income and even if you already have a source of this type of revenue, why not supplement it. This opportunity comes through Rubies Independent Banking.

As the nature of banking continues to evolve, Rubies has adapted right along with it. As a fully digital bank, rapid innovation is a key characteristic and we are supporting you in our quest to provide you with better banking features. Independent banking is a feature unique to Rubies, in that, we pay you. It is a system in which you receive revenue from us.

We know that the most annoying thing about banking has to be the fees. There are numerous charges for the most mundane transactions and service; everything from card operations to transfers. At times, it seems that the more you save, the more you pay. We, as banks, need our customers and by extension must value them. Hence, Rubies would like to show you how much we value you with this system. With no hidden charges and a low transfer fee, we are helping you save more than the average bank and with independent banking, all your savings will do is increase with us.

Independent banker

You may be asking, “So, how does it work?” On the Rubies app, you become an independent banker by referring another person to Rubies. Perhaps, you were introduced to Rubies by someone else, it is very likely that whoever referred you earns money while you transact. You can now earn as well. The referral process is easy. By selecting the “Independent Banker” on the Rubies app, you can introduce a new customer by inputting their number or sending them a link. Once they download Rubies, they become your customer and you earn a revenue for every transaction they make.

In addition to earning a passive income, a benefit of being an independent banker with Rubies, is that after introducing your customer, the revenue you earn is granted to you automatically. There is nothing more that you have to do and no limit to how many customers you can introduce to Rubies. Perhaps, you can view it as our “thank you” for banking with us and sharing the good news.

So why not start inviting your friends to join Rubies and earn something for it. You have nothing to lose and so much to gain.




Rubies is a Digital-only bank. We power businesses, fintech, SMEs, communities (clubs, groups, associations, churches, students etc) and Individuals