ReferRipple

• Get Programs — List supported U.S. credit cards. This is a catalog, not live referral availability or guaranteed rewards. Public; no authorization required.
• Get My Preferences — Read your saved wanted cards and cards you can refer. No private referral links. Update preferences on the website if incomplete.
• Search Matches — Find up to three ranked matches using your saved wallet and active wishlist, with the same matching rules as the website. Optional card_id narrows your wishlist. No contacts or referral links.
• List Referrals — Read up to 50 referral legs, newest first (created_at then id descending). For the next page, pass the last row's created_at and id as before. Stop on an empty page. Statuses are user-reported; no contacts or referral links.
• Get Referral — Read one referral leg you participate in. Each mutual referral leg has its own status and consent.
• Get Referral Contacts — Read participant contacts and the private referral link only after mutual consent, while the referral is active. Requires separate contacts:read permission.
• Request Referral — Prepare a referral request for a match explicitly selected by the user. Reuse the same idempotency_key when retrying identical input. Review the complete returned summary, then use confirm_referral on the interactive MCP endpoint. Other clients use confirmation_url. Nothing is sent before human confirmation. The summary names every independent leg that will be created.
• Confirm Referral — Ask the person to confirm this prepared request using the client's native confirmation UI. Interactive MCP only; requires referrals:request and referrals:confirm. Tool arguments cannot approve the request. Decline or cancel sends nothing; do not ask again unless the person requests it. Reuse request_id after a timeout; a confirmed request is not sent twice.
• Get Request Receipt — Read the durable status of a prepared request by request_id, including confirmation time and the resulting referral leg ID. Only the originating authorized account and client can read it. Confirmation proves a referral request was recorded, not issuer approval or notification delivery.

Schemas and invoke metadata: Directory API