In the BMF.io partner program, referrals are usually credited on a last-click basis, meaning the final affiliate link a user clicks before converting gets the commission. This setup prioritizes the most recent touchpoint, even if earlier referrals introduced the user. However, the exact attribution model depends on BMF.io's specific partner terms, so it's important to confirm in their documentation. If they follow standard affiliate practices, last-click is the default because it is simple to track and rewards the closing referral. Understanding this helps partners optimize where they share links and how they time promotions.