- Three lines to hold when someone asks "will I make money?": no promises, no trading advice, hand off to official sources
- Three before-and-after replies you can adapt
- Why you should say you earn a commission before anyone asks
Quick answers
- Q: A friend I referred asks "will I make money?" What should I say?
- A: Start by saying you can't promise that. FX is a product where neither profit nor principal is guaranteed. Then point them to the official pages to read about how it works and the risks, and send account questions to official support.
- Q: Is it a problem if I tell people which currency pair to buy?
- A: It's a question to decline. In Japan, advising someone on what to trade and when, in return for payment from them, can fall under the Financial Instruments and Exchange Act's investment advisory business, which requires registration with the Financial Services Agency. Trading decisions belong to the person making them.
This article is written for people who refer others to Kingfin, and is shared for informational and educational purposes. It is not a recommendation for any reader to deposit funds or open an account. The service being referred is an offshore FX and investment-related platform, and investing carries the risk of loss. This piece reflects a general understanding as of October 2026 and does not guarantee any registration count or income.
"Will I make money?" is a test
Refer people to FX for long enough and one question always arrives: "So, will I make money?" It comes over LINE, in DMs, across a dinner table. The person asking may mean it casually. Your answer can shape the relationship for a long time.
"Yes" is the easy answer, and it may get them excited. But if they lose money, that one word is what they remember first. A referrer who holds a clear line here earns something more useful: people stop discounting what they say.
The question isn't really about the answer. It's about where you stop.
Three lines to hold
None of this is complicated. There are only three lines.
"You'll make money." "You won't lose." "You can win it back fast." Each one sounds like you're guaranteeing their result. FX guarantees neither profit nor principal, and losses happen. You can explain how it works. You can't speak for how it turns out.
Don't answer "what should I buy?" or "is now the time to sell?". In Japan, advising someone on what to trade and when, in return for payment from them, can fall under the investment advisory business in the Financial Instruments and Exchange Act, which requires registration with the Financial Services Agency. That's not a referrer's job.
Fees, risks, account setup, deposits and withdrawals: send the link to the official page and let them read it, rather than summarizing from memory. Problems with a specific account or trade go to official support. You show people the door. You don't run the tour inside.
Why overselling backfires
The reason is simple. Overselling distorts the other person's judgment, and it comes back as trouble later.
Financial regulation is a useful reference point. Even registered financial firms in Japan are prohibited by the Financial Instruments and Exchange Act from soliciting customers by stating that an uncertain outcome is certain. The Consumer Contract Act also lets consumers cancel a contract when a business told them future prices or returns were certain. Both rules are aimed at businesses, not at individuals who refer people. Still, if professionals aren't allowed to say it, a referrer has no reason to.
Japan's Financial Services Agency also warns that phrases like "guaranteed profit" and "principal guaranteed" are common in fraudulent solicitations. Careful people tense up the moment they hear them. The harder you push, the faster the sensible ones walk away.
Example replies: before and after
Here are three questions that come up often, with the reply people tend to give and a better one. Don't copy them word for word. Put them in your own voice.
1. "So, will I make money?"
Before: "Yeah, you'll do fine. I'm doing it too."
After: "Honestly, I can't tell you that. You can lose money with FX, and neither profit nor your deposit is guaranteed. The official page explains how it works and what the risks are, so read that first. If you're still interested, I'll show you where to sign up."
2. "OK, so what should I buy?"
Before: "Buy USD/JPY right now, easy call."
After: "That's one I shouldn't answer. What to trade and when is your call, and advising people on it for payment requires registration. If you start, keep it small and only use money you can afford to lose."
3. "You're getting paid for this, right?"
Before: "Uh, a little, I guess." (changes the subject)
After: "Yes. When someone I refer trades, I earn a commission. That's exactly why I try not to only tell you the good parts. There's no pressure to start at all."
What the three have in common: they say "I can't" plainly, then point to where to go next. If you only say no, people go ask someone louder. If the next stop is the official page, at least they get accurate information.
Mention the commission before you're asked
You can head off the third question entirely. Say that you earn a commission at the start, when you make the referral.
Since October 2023, ads that don't look like ads (so-called stealth marketing) have been regulated under Japan's Act against Unjustifiable Premiums and Misleading Representations. Japan's Consumer Affairs Agency says the rules apply to advertisers, and that individuals who promote at an advertiser's request are generally not covered. Its Q&A still makes clear that an ad should be recognizable as one at a glance, and that on social media a note in the replies alone usually isn't enough. Partner programs commonly require a disclosure too.
Leave the law aside and the case still stands. If people find out later that you were paid, everything you said gets rewritten as a sales pitch. One line up front lets the rest of your words land at full value.
Kingfin pays referrers either a revenue share based on referred clients' trading (up to 80%) or a CPA per qualifying client (up to $250). The structure is public, but what it adds up to depends on how the people you refer trade, and it varies widely. A referrer can't say "you'll make money" about their own commissions any more than about someone else's trading. For how to read side-hustle numbers, see how to read the numbers behind a side hustle.
Check how it works, then start referring
Kingfin's commission structure and terms are on its official pages. Free to join. Results and earnings are not guaranteed.
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Disclosure: OlympTrade is an offshore platform that is not registered with Japan's Financial Services Agency (FSA), so Japan's investor protection schemes do not apply. This article is informational and educational content from Kingfin's English editorial team and does not guarantee any specific result or income. It is not a recommendation for any reader to deposit funds or open an account. It reflects a general understanding as of October 2026 and does not guarantee that effects or outcomes will repeat. Results from side-hustle or affiliate activity vary from person to person and take time to materialize. We cannot promise that anyone "will definitely earn" or that success is easy for everyone. Kingfin's affiliate program promotes FX and investment-related services, and trading carries the risk of loss. Results vary from person to person, and no income amount is guaranteed.
