diff --git a/finance/build.gradle.kts b/finance/build.gradle.kts
new file mode 100644
index 0000000..e3a3a26
--- /dev/null
+++ b/finance/build.gradle.kts
@@ -0,0 +1,24 @@
+plugins {
+    kotlin("jvm") version "2.1.10"
+}
+
+group = "ru.soune"
+version = "1.0.0"
+
+repositories {
+    mavenCentral()
+}
+
+dependencies {
+    implementation("org.jetbrains.kotlinx:kotlinx-coroutines-core:1.10.2")
+    implementation("org.jetbrains.kotlinx:kotlinx-coroutines-core-jvm:1.10.2")
+    implementation("io.insert-koin:koin-core:4.1.1")
+    implementation("io.insert-koin:koin-core-jvm:4.1.1")
+}
+
+tasks.test {
+    useJUnitPlatform()
+}
+kotlin {
+    jvmToolchain(21)
+}
\ No newline at end of file
diff --git a/finance/src/main/kotlin/Main.kt b/finance/src/main/kotlin/Main.kt
new file mode 100644
index 0000000..4c1e045
--- /dev/null
+++ b/finance/src/main/kotlin/Main.kt
@@ -0,0 +1,5 @@
+package ru.soune
+
+fun main() {
+    println("Hello World!")
+}
\ No newline at end of file
diff --git a/finance/src/main/kotlin/actions/NoCopyAction.kt b/finance/src/main/kotlin/actions/NoCopyAction.kt
new file mode 100644
index 0000000..d3d4e8d
--- /dev/null
+++ b/finance/src/main/kotlin/actions/NoCopyAction.kt
@@ -0,0 +1,3 @@
+package ru.soune.actions
+
+abstract class NoCopyAction
\ No newline at end of file
diff --git a/finance/src/main/kotlin/actions/free/NoCopyFreeAction.kt b/finance/src/main/kotlin/actions/free/NoCopyFreeAction.kt
new file mode 100644
index 0000000..7182cea
--- /dev/null
+++ b/finance/src/main/kotlin/actions/free/NoCopyFreeAction.kt
@@ -0,0 +1,5 @@
+package ru.soune.actions.free
+
+import ru.soune.actions.NoCopyAction
+
+sealed class NoCopyFreeAction : NoCopyAction()
\ No newline at end of file
diff --git a/finance/src/main/kotlin/actions/paid/NoCopyPaidAction.kt b/finance/src/main/kotlin/actions/paid/NoCopyPaidAction.kt
new file mode 100644
index 0000000..bbf732b
--- /dev/null
+++ b/finance/src/main/kotlin/actions/paid/NoCopyPaidAction.kt
@@ -0,0 +1,8 @@
+package ru.soune.actions.paid
+
+import ru.soune.actions.NoCopyAction
+
+sealed class NoCopyPaidAction : NoCopyAction() {
+
+    abstract val cost: Double
+}
\ No newline at end of file
diff --git a/referral/src/main/kotlin/Referral.kt b/referral/src/main/kotlin/Referral.kt
new file mode 100644
index 0000000..0dd336b
--- /dev/null
+++ b/referral/src/main/kotlin/Referral.kt
@@ -0,0 +1,13 @@
+package ru.soune
+
+interface Referral {
+
+    val userId: String
+    val referralLink: String
+    val inviter: String?
+    val currentLevel: String
+    val totalIncome: Int
+    val availableIncome: Int
+    val holdBalance: Int
+    val active: Boolean
+}
\ No newline at end of file
diff --git a/referral/src/main/kotlin/ReferralInvitee.kt b/referral/src/main/kotlin/ReferralInvitee.kt
new file mode 100644
index 0000000..a8fb79b
--- /dev/null
+++ b/referral/src/main/kotlin/ReferralInvitee.kt
@@ -0,0 +1,7 @@
+package ru.soune
+
+data class ReferralInvitee(
+    val email: String,
+    val isActive: Boolean,
+    val regDate: String,
+)
\ No newline at end of file
diff --git a/referral/src/main/kotlin/ReferralLevel.kt b/referral/src/main/kotlin/ReferralLevel.kt
new file mode 100644
index 0000000..bf12d5b
--- /dev/null
+++ b/referral/src/main/kotlin/ReferralLevel.kt
@@ -0,0 +1,10 @@
+package ru.soune
+
+interface ReferralLevel {
+    val id: String
+    val name: String
+    val share: Int
+    val minInvitee: Int
+    val maxInvitee: Int
+    val next: String?
+}
diff --git a/referral/src/main/kotlin/ReferralLevelProvider.kt b/referral/src/main/kotlin/ReferralLevelProvider.kt
new file mode 100644
index 0000000..e278633
--- /dev/null
+++ b/referral/src/main/kotlin/ReferralLevelProvider.kt
@@ -0,0 +1,11 @@
+package ru.soune
+
+interface ReferralLevelProvider {
+
+    fun getAvailableReferralLevels(): List<ReferralLevel>
+
+    fun getInitialReferralLevelId(): String
+
+    fun getReferralLevelById(levelId: String): ReferralLevel
+
+}
\ No newline at end of file
diff --git a/referral/src/main/kotlin/ReferralRepo.kt b/referral/src/main/kotlin/ReferralRepo.kt
new file mode 100644
index 0000000..54a6c49
--- /dev/null
+++ b/referral/src/main/kotlin/ReferralRepo.kt
@@ -0,0 +1,33 @@
+package ru.soune
+
+interface ReferralRepo {
+
+    fun getUserReferralLink(userId: String): String
+
+    fun getUserIdByLink(link: String): String
+
+    fun getInviterIdForUser(userId: String): String?
+
+    fun getReferralLevelForUser(userId: String): String
+
+    fun getReferralByUserId(userId: String): Referral
+
+    fun getReferralInvitees(userId: String, pageSize: Int, pageNumber: Int): List<ReferralInvitee>
+
+    // создаем новую запись в БД
+    fun createReferralEntity(entity: Referral)
+
+    // прибавить к totalIncome и availableIncome значение transferAmount
+    fun increaseIncome(userId: String, transferAmount: Int)
+
+    // установить active в true
+    fun activateUser(userId: String): Boolean
+
+    // посчитать записи, у которых inviter == userId и active == true
+    fun getActiveInviteeForUser(userId: String): Int
+
+    // посчитать записи, у которых inviter == userId
+    fun getTotalInviteeForUser(userId: String): Int
+
+    fun upgradeReferralLevelForUser(userId: String, newLevelId: String)
+}
\ No newline at end of file
diff --git a/referral/src/main/kotlin/ReferralService.kt b/referral/src/main/kotlin/ReferralService.kt
new file mode 100644
index 0000000..bae3dc0
--- /dev/null
+++ b/referral/src/main/kotlin/ReferralService.kt
@@ -0,0 +1,67 @@
+package ru.soune
+
+class ReferralService(
+    private val referralLevelProvider: ReferralLevelProvider,
+    private val referralRepo: ReferralRepo,
+) {
+
+    fun onRegister(userId: String, inviterReferralLink: String?) {
+        val initialReferralLevel = referralLevelProvider.getInitialReferralLevelId()
+        val referralLink = referralRepo.getUserReferralLink(userId)
+        val inviter = inviterReferralLink?.let(referralRepo::getUserIdByLink)
+
+        val referral = object : Referral {
+            override val userId = userId
+            override val referralLink = referralLink
+            override val inviter = inviter
+            override val currentLevel = initialReferralLevel
+            override val totalIncome = 0
+            override val availableIncome = 0
+            override val holdBalance: Int = 0
+            override val active: Boolean = false
+        }
+
+        referralRepo.createReferralEntity(referral)
+    }
+
+    fun onUserAccountRefill(userId: String, transferAmount: Int) {
+        val wasActivated = referralRepo.activateUser(userId)
+        val inviterId = referralRepo.getInviterIdForUser(userId) ?: return
+        val currentInviterLevel = referralRepo.getReferralLevelForUser(inviterId)
+            .let { referralLevelProvider.getReferralLevelById(it) }
+        val reward = transferAmount * currentInviterLevel.share / 100
+
+        referralRepo.increaseIncome(inviterId, reward)
+
+        if (!wasActivated) return
+
+        val currentCount = referralRepo.getActiveInviteeForUser(inviterId)
+        val nextLevel = currentInviterLevel.next
+
+        if (currentCount + 1 > currentInviterLevel.maxInvitee && nextLevel != null) {
+            referralRepo.upgradeReferralLevelForUser(inviterId, nextLevel)
+        }
+    }
+
+    fun getReferralLevels(): List<ReferralLevel> =
+        referralLevelProvider.getAvailableReferralLevels()
+
+
+    fun getReferralLevelForUser(userId: String): ReferralLevel =
+        referralRepo.getReferralLevelForUser(userId)
+            .let { referralLevelProvider.getReferralLevelById(it) }
+
+    fun getReferralStatForUser(userId: String): ReferralStat {
+        var referral = referralRepo.getReferralByUserId(userId)
+        return ReferralStat(
+            totalInvitee = referralRepo.getTotalInviteeForUser(userId),
+            activeInvitee = referralRepo.getActiveInviteeForUser(userId),
+            totalIncome = referral.totalIncome,
+            availableIncome = referral.availableIncome,
+            holdBalance = referral.holdBalance,
+        )
+    }
+
+    fun getInviteeForUser(userId: String, pageSize: Int, pageNumber: Int): List<ReferralInvitee> =
+        referralRepo.getReferralInvitees(userId, pageSize, pageNumber)
+}
\ No newline at end of file
diff --git a/referral/src/main/kotlin/ReferralStat.kt b/referral/src/main/kotlin/ReferralStat.kt
new file mode 100644
index 0000000..554a723
--- /dev/null
+++ b/referral/src/main/kotlin/ReferralStat.kt
@@ -0,0 +1,9 @@
+package ru.soune
+
+data class ReferralStat(
+    val totalInvitee: Int,
+    val activeInvitee: Int,
+    val totalIncome: Int,
+    val availableIncome: Int,
+    val holdBalance: Int,
+)
\ No newline at end of file
diff --git a/settings.gradle b/settings.gradle
index 3d2f55e..f87c38a 100644
--- a/settings.gradle
+++ b/settings.gradle
@@ -3,4 +3,5 @@ plugins {
 }
 rootProject.name = 'no-copy'
 include 'referral'
+include 'finance'