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All those involved have benefited from it. I've always been passionate about personal finance, so when I discovered Navi App's Refer & Earn program, I knew it was something I wanted to participate in, said Michael, another user, expressing his satisfaction with the program.. The rewards have been substantial, but the greatest satisfaction comes from knowing that I have meaningfully assisted my friends in taking charge of their financial lives. These success stories highlight the beneficial effects that Navi App's Refer and Earn initiative has had on referrers and referees alike.