My brother and I created a Prosper blog. While the primary purpose is not referrals and most people are already Prosper members we did include some referral links and had one person sign up so far as a referral. I also got one referral who is a family member in addition to my wife who signed up and loaned out $50. I think in general it is difficult to obtain referrals because it is a difficult process. First, they must sign up, get their identity verified, get their bank account verified, transfer money (which could take up to a week), bid on a loan, win the bid for the loan, have the loan complete the verification process so that it is fully funded. All of this has to be completed within 90 days, and I think there is a lot of attrition at each step in the process. Not trying to discourage anyone, but just trying to be realistic about the process.