Involved by you a new participant is your referral and you are refer (it can be"refer" or "referer"). The person who doesn't work on a site (or doing minimum activity) bur receive money for amount of referrals, he is refguide. The matter is that the basic method of attraction of intermediaries on the Internet consisted in work with links.
In HYIP industry refguides bring investors in the project. It can be owners of virtual information platforms about investments, either network leaders or people with the big base of potential investors, ready to follow them.