Speaker A
So, hello. This will be a comprehensive guide to RKO, where you'll understand absolutely every step you need to take.
Comprehensive guide to earning with Russian banks via affiliate marketing, covering client acquisition, affiliate programs, traffic sources, and scaling.
Key Takeaways
- Banks pay affiliates for bringing in targeted clients, mainly via CPA systems.
- Starting with yourself as the first client is crucial for understanding the process.
- Direct affiliate programs offer better tracking, higher payouts, and fewer issues than CPA networks.
- Incentivized traffic and creative ads are effective ways to build a client base.
- Proper client management and tracking tools are essential for scaling and sustained income.
What the video covers
- Explains how banks pay for bringing in targeted clients, focusing on business cards and CPA payment systems.
- Describes the full process from registering with affiliate programs to client onboarding and payment receipt.
- Emphasizes starting with self-development and using oneself as the first client to understand basics.
- Details methods for acquiring clients including word of mouth, incentivized traffic, and online ads.
- Highlights the importance of creative ads (creo) to build a client database without revealing full offer details.
- Discusses client processing, communication, and tracking using CRM and spreadsheets for scaling.
- Compares CPA networks with direct advertiser affiliate programs, noting pros and cons of each.
- Lists various traffic sources and strategies suitable for beginners and experienced marketers.
- Mentions expected earnings and how to scale income by working with networks and direct bank offers.
- Provides practical advice on managing applications, avoiding duplicates, and ensuring payment transparency.
Chapters
- 00:00Introduction to RKO and Bank Payments
- 01:00Path to Payment and Client Onboarding
- 02:02Self-Development and First Client Strategy
- 03:05Creative Ads and Building Client Database
- 04:22Scaling and Business Building
- 05:28Affiliate Program Types and Their Differences
- 06:25Advantages of Direct Advertiser Programs
- 07:25Traffic Sources and Beginner Strategies
- 09:10Tracking Applications and Earnings
- 11:27Choosing Affiliate Programs and Final Advice
Full Transcript — Download SRT & Markdown
Speaker A
I'll explain absolutely every detail you need to know. Let's start from the very beginning. What does the bank pay for? Today, we'll look specifically at business cards. So, one Alfa-Bank card pays 20,000 per client. If you issue three cards per client, you get 40,000.
Speaker A
It depends on each bank. Each bank has its own specific payment. I'll show you a little later. The bank pays you for bringing in the target audience. These could be entrepreneurs, they could be people who want to start a business,
Speaker A
they could be people who just want to make money. And this will be considered motivated traffic, which we'll also talk about later. There are two payment systems. The first is RIFAR, the second is CPA. We work specifically on CPA.
Speaker A
RIFAR is a percentage of the money earned by the bank. We work on a CPA system—that is, we receive a certain amount for each new client. So, you already understand that the bank needs a target audience. You're the one
Speaker A
bringing them in, and there are clients you'll work with. Accordingly, this is the entire chain you'll follow from here on out. The path to payment. What do you need to do to get paid by the bank? First, you need to understand the
Speaker A
database in general, how offers work, register with the affiliate program, and get a referral link. The client first registers for the business. A little later, we'll talk about how to do this for free so that the person doesn't have to pay any taxes,
Speaker A
commissions, and so on. After the business is opened for them, you get links to the current account and open different current account systems for it. This is again what I was talking about. You can open one business card,
Speaker A
or you can open three business cards. Three business cards are exactly what you need to do to get paid. After that, the client opens accounts and performs the target actions. We'll talk about them separately, and you'll expect your
Speaker A
payout. That's basically it, the whole cycle. When you work, you're always moving in circles, and the same thing happens with each client. Now let's talk about where to get your first client. You must understand that the most profitable and best strategy is to
Speaker A
develop yourself. And your first client will be you. Without understanding the basics, it's impossible to start earning money from yourself. You can earn 50,000-70,000 with cash settlement services alone. There are also other offers, which we'll talk about later.
Speaker A
After you've developed your reputation, work with your network. This could be entrepreneurs, friends, word of mouth.
Speaker A
And you'll get about 100,000 in the first month of work if you develop just 2,300 people. That means you don't need to find thousands of acquaintances; you literally need two or three. Then you go to work with online traffic. This
Speaker A
could be purchasing. This is the easiest place to start. Where do we get traffic? We'll also discuss the methods I use, the people who work with me, and what's best for a beginner to start with. Next, we come up with Creo. What
Speaker A
is Creo? It's essentially a post to which you'll attract traffic. We're talking specifically about incentivized traffic now, because it's the easiest way to start making money in this field. Here, we see creative that generally converts well. Next, we go to Avito and
Speaker A
see dozens of ads where people are driving incentivized traffic. And if you see ads like these, it's 100% people looking for leads for incentivized traffic or reselling databases. The main goal of creative is to build a database of contacts and responses.
Speaker A
That is, your creative should attract as many people as possible. You shouldn't reveal the essence of the actions themselves. It's precisely for the purpose of building the client base you'll be working with later. If you don't get a response once, you'll write
Speaker A
again in a week, two weeks, three weeks, and eventually, you'll reach as many people as possible. Next comes processing: how to handle clients, what to do when they contact you, and how to communicate with them. You'll also
Speaker A
understand what to say to clients a little later. And next, track every step. When you have two thousand requests a month, tracking is no problem. You just see it through private messages. When you have ten private clients, it's practically
Speaker A
impossible, because you're creating chaos. You need to monitor every request, rebusiness, and settlement of accounts, and perform the desired action. And this is practically impossible to do through dialogue. For this, we use a CRM system and spreadsheets. And with these two tools,
Speaker A
we move on to scaling and creating a full-fledged project that will generate a steady income. Because we're building a whole business on this system today, not just some niche to earn 30,000 rubles and then quit. How do you choose
Speaker A
an affiliate program, and what is an affiliate program anyway? There are two types of affiliate programs. The first is CPA networks. These can be HR, bookmakers, RKO, MFIs, and so on. And it's all brought together. And it's all
Speaker A
gathered in one ecosystem. But this has its downsides. And then there are direct advertisers and agency affiliate networks. This is when we work directly. That is, there's, for example, a bank that needs traffic, and we bring it to
Speaker A
them directly. Accordingly, we receive a higher payout, and now we'll look at the other advantages. What's the difference? When we work with CPA networks, we can't track every request.
Speaker A
They can cut traffic without reason. So, you bring in clients, but because you're not working with a direct advertiser and your manager works with the same fifty webmasters as you, they may simply not tell you the reason for
Speaker A
the cut. Applications aren't showing up. If you've already had experience, have you ever had someone register using your referral link, and it simply doesn't show up in your statistics?
Speaker A
You're creating repeat applications, and that's a duplicate. This is a disadvantage you'll have to deal with if you choose a CPA network. Secondly, personally, 50% of my applications simply weren't paid. That is, they were already in the statistics, but
Speaker A
ultimately, the applications simply weren't paid. And lastly, this is the choice of a newbie who just saw a video about RKO. If you've already tried to understand this topic, then you've almost certainly seen one of these affiliate programs where they offered
Speaker A
to work with you. Now let's talk about agency affiliate programs and direct advertisers. The first is direct contact. This is the most obvious: you're working directly with a large company. The second is a manager helping with applications. That is, you
Speaker A
have a personal manager who helps with your applications. For example, if a client can't be reached by phone, they're put on hold to call back, and so on. If someone misses a meeting with a courier, they open a new one. Or you
Speaker A
can even open accounts completely remotely. Third, there are no duplicates. Fourth, you see every reason for refusal. That is, if someone's passport has expired or there's some other issue, you'll see it right away. Fifth, you see every application status, not just "in
Speaker A
progress." And when someone submits documents, when they meet with a courier, when they're waiting for processing from the Federal Tax Service, you see every application status. And next, offer rates are higher. Usually, it depends on volume. As I said, you
Speaker A
work with direct advertising, so they're willing to offer you higher rates because there are no commissions from CPA networks, and the terms are usually much more lenient. We've covered affiliate networks. A little later, I'll tell you which ones are
Speaker A
generally worth working with. Now, where do you get traffic? You have literally dozens of ways to attract traffic. I've listed the most popular ones here. You can also just come up with them on the fly. The easiest way
Speaker A
to start if you're a beginner is word of mouth. That's when you connect with f
Speaker A
have no budget, you just surf chats and offer people ways to earn extra money.
Speaker A
Next is IRL graphics. These could be ads at bus stops, or even flyers. We won't go into detail about that either.
Speaker A
It's one way to attract traffic if you have a small budget. And fifth is mailing. You can buy a ready-made response database from, say, Avito and use it to send out a mailing with your own creative. That's all a simple start
Speaker A
, something you can start with right now. Now let's talk about what requires more preparation: collaboration. This is a very interesting case: you approach someone with an existing audience, offer to work with them, and, accordingly, you develop their audience
Speaker A
. You essentially need three to five such bloggers to have a steady stream of clients who want to work with you.
Speaker A
The next step is OBT—Reals, TikTok, Shorts, and so on. That is, you create short videos from which people click through and start working with you. The next step is Avit responses. That's what I was talking about. And you don't
Speaker A
even have to buy them. You can create your own network of accounts and drive responses for yourself. They'll come at a very attractive price. The next step is a database of Kazniks. These are people who weren't approved for, say, a
Speaker A
microloan or some other type of credit. And you open a business for them so they can take it. It doesn't always work, but you can also develop your leads this way. These databases are sold online, and finding them is
Speaker A
usually easy. The most advanced level is targeted advertising. We won't even talk about it because it's too complicated. Start with one method and spend two weeks on it. Just choose your simple start, spend two weeks on it, get your first clients, and then scale
Speaker A
up and move on to more complex but profitable traffic acquisition methods, where you'll spend more time and effort , but will likely get much better results in the long run. If you already have experience and are facing these
Speaker A
problems—I wrote 10 messages, no one responded. I bought an ad in a channel for 400 rubles, and no one wrote about it. I created a creative in the free GPT chat. No one writes to me, and I can't find the channel where I can buy
Speaker A
ads—then you most likely don't understand the database. These are the same problems a newbie faces when starting out, because you spend about 30 minutes a day on it. And it's clear that you won't get paid tens of thousands of rubles for spending 30
Speaker A
minutes. That's why you're at this level now. How do you know if it's working? The easiest way is to go to Avito, type "remote work," and apply to 20-30 positions, at least 10 of which will be motivated traffic. You watch
Speaker A
how others are working and adapt it to your needs. You can literally adapt the entire funnel to any of your startups, to any traffic acquisition method. Now let's talk about one of the most interesting things: how much you'll
Speaker A
earn in one month from 10 clients if you work only with basic offers. The most basic offer is the alpha. It's always been and always will be. You earn between 10,000 and 20,000. It depends on your rank. Your rank depends
Speaker A
on how many months you've been driving traffic. The average is 15,000 rubles per client. Ten clients, that's 150,000 rubles. This is what tracking looks like when you see each application.
Speaker A
That is, the documents are ready, the business is registered, and there are still a few intermediate steps. And the next bank is TBANK. You get 12,500 rubles per client, 125,000 rubles, 10 clients. Here I gave an example of
Speaker A
payments. So, if you attract more than seven people in one month, then, accordingly, you get 12,500 rubles. The next offer is Sber. And I drive it as an additional one because you get 7,000 rubles per client. 70,000 rubles for 10
Speaker A
clients. Here the bank pays you 4,000 and your friend 3,000 rubles. Also, here are my statistics, showing that all applications are paid out and there are no problems. The next offer is Ozone. 11,000 rubles per client.
Speaker A
110,000 rubles for 10 clients per month . So, just for basic offers, for 10 clients you'll convert in one month. I don't think it's a big deal if you spend a lot of time on it. You'll earn 455,000 rubles. Next, we can go to the
Speaker A
agency affiliate program and add Dot, VTB, and OTP. Your total is now 752,000 rubles from 10 clients. You can also add MFO Investments debit cards. Then you'll likely reach almost 1 million rubles from all the offers we've just
Speaker A
discussed. Let's move on. A common question for newbies is taxes for individual entrepreneurship. I'll open an individual entrepreneurship, and I'll have 60,000 rubles in taxes. How will I open an individual entrepreneurship for my clients? We open individual entrepreneurship under
Speaker A
the professional income tax. There's no fixed tax here. Tax is paid only on income subject to the professional income tax. This means you don't pay for card transfers; you only pay for how much money you receive from the
Speaker A
affiliate program. If you don't have any income, you don't have to pay taxes , mandatory commissions, and so on.
Speaker A
Consequently, your clients also don't pay anything. Now that you basically understand the basics—how it works, what we're opening, and what we're paid for—you still have dozens of questions that will be quite difficult to answer. Where do I start if I have
Speaker A
absolutely no experience? How do I choose an affiliate program, where to find clients, what to write, how to explain my offers, and so on. Basically , you might have a million questions at the start, which you'll need to address
Speaker A
. I have a working tool for this, which you can get completely free of charge.
Speaker A
It includes five traffic search case studies, a free parser, personal feedback, ready-made creatives you can use for purchases, and connecting with affiliate programs. So, I'll connect you to direct and agency affiliate networks that pay more than the CP
Speaker A
networks I recommend you work with. Let's quickly walk through your path with my community. If you don't have any experience or are struggling with traffic right now, you join agency affiliate networks. This earns you up to 20,000 rubles from a single offer.
Speaker A
There are over 10 offers in total that you can run per person. I'll give you guides on how to open and manage taxes, which scripts to use, and you'll earn up to 9,000 rubles immediately after joining my community. I'll tell you how
Speaker A
later. Next, you'll study traffic acquisition methods, with complete breakdowns for beginners. So, absolutely anyone can figure it out; everything is explained as clearly as possible. You just need to apply this information. You choose from over five different methods of attraction. Then
Speaker A
you'll gain experience and earn your first 30,000-50,000. Simply open current accounts like Ozone, PSB, OTP, and so on. The next step is to review your plan in a personal consultation.
Speaker A
We'll go over your creatives, scripts, and so on. We'll have an hour-long consultation with you, where we'll go over everything you've prepared. Next, you conduct your first test after the call. Once we've discussed everything, I say, "Okay, do this, do this, do this
Speaker A
." You conduct your first test. You don't need a budget, because there are cases where investment is absolutely unnecessary. Then, after you've conducted your first test, you analyze the results and improve your approach.
Speaker A
Basically, that's the foundation. You'll always have a similar process. You conduct a test, analyze the results , improve your approach, conduct another test. And that's how you scale up. Once you've learned how to drive motivated traffic—basically, how to
Speaker A
drive traffic—you should understand that this is a tool you can use to monetize any of your projects. You can literally integrate a referral banking system into any project you come up with, and it will monetize. People won't pay you, but you'll receive money
Speaker A
from the bank. So, in a nutshell, you get the whole process done in a week instead of months of research. I've compiled absolutely all the information you need to start earning good money and understand this industry. If this
Speaker A
video was helpful, here's my Telegram channel, which you can follow and subscribe to. There's more useful information there, more of my live feed . And there, in fact, I show a lot of practical tips that might be useful to
Speaker A
you. So, if you found the video interesting and understood it, you can go to the bot and read the article. It explains in more detail how to join my community completely free of charge.
Speaker A
And you can become a part of my community today.
Topics:affiliate marketingRKOCPAbank affiliate programclient acquisitionincentivized trafficbusiness cardstraffic sourcesscaling incomedirect advertiser
