The 1 Year vesting period for referral fees strikes me as something that could be a dealbreaker for a lot of inquiring companies. Its a very long time length to prove a business model that might not even work. And for that one year, its wasted savings that is just sitting , while it could be reinvested elsewhere or put to work. Most importantly, this long vesting period will hurt smaller, startup type firms who would want fees as quickly as possible to reinvest into their business.
Now I understand the need for the investing period to prevent attacks. I'm just not convinced it will work out as expected because of this one-year vesting period. Now for the solution:
Its certainly possible for these referral members to set up a UIA that will source money from the public. They could offer at a 95% reduction. So a normal user could pay 95 BTS and within one year get 100 BTS out of the referral member's pool. Of course, the referral member would never offer more UIA than he has in his fee reserves. Effectively it will function as a bond.
The one thing I think the dev team could do better to assist the transaction, is make that special reserve acct linked to the UIA. So at the end of the vesting period, the vested BTS will go directly to the purchaser and not the referral member. This would alleviate cpty concerns and bring more trust into the system as a whole. Once then this referral system will really have one to boot!