diff --git a/src/main/java/com/honey/honey/service/PaymentService.java b/src/main/java/com/honey/honey/service/PaymentService.java
index b5164b8..8764ecf 100644
--- a/src/main/java/com/honey/honey/service/PaymentService.java
+++ b/src/main/java/com/honey/honey/service/PaymentService.java
@@ -13,10 +13,12 @@ import com.honey.honey.model.CryptoDepositMethod;
 import com.honey.honey.model.Payment;
 import com.honey.honey.model.UserA;
 import com.honey.honey.model.UserB;
+import com.honey.honey.model.UserD;
 import com.honey.honey.repository.CryptoDepositMethodRepository;
 import com.honey.honey.repository.PaymentRepository;
 import com.honey.honey.repository.UserARepository;
 import com.honey.honey.repository.UserBRepository;
+import com.honey.honey.repository.UserDRepository;
 import com.honey.honey.util.IpUtils;
 import com.honey.honey.util.TelegramTokenRedactor;
 import lombok.Data;
@@ -47,6 +49,7 @@ public class PaymentService {
     private final PaymentRepository paymentRepository;
     private final UserARepository userARepository;
     private final UserBRepository userBRepository;
+    private final UserDRepository userDRepository;
     private final CryptoDepositMethodRepository cryptoDepositMethodRepository;
     private final TelegramProperties telegramProperties;
     private final TransactionService transactionService;
@@ -74,6 +77,11 @@ public class PaymentService {
     /** When false, Telegram Stars payment webhooks are ignored (no balance credited). Invoice creation for Stars is already rejected. */
     private static final boolean TELEGRAM_STARS_PAYMENTS_ENABLED = false;
 
+    /** Referral commission as fraction of base deposit (no bonus). Level 1 = referer_1, level 2 = referer_2, level 3 = referer_3. */
+    private static final double REFERRER_LEVEL1_PERCENT = 0.12;
+    private static final double REFERRER_LEVEL2_PERCENT = 0.06;
+    private static final double REFERRER_LEVEL3_PERCENT = 0.02;
+
     /**
      * Creates a payment invoice for the user.
      * Validates the stars amount and creates a pending payment record.
@@ -409,9 +417,54 @@ public class PaymentService {
             log.error("Error creating deposit transaction: userId={}, amount={}", userId, playBalance, e);
         }
 
+        // Referral commissions: % of base deposit (no bonus), credited to referer balanceB and tracked in UserD
+        applyReferralCommissions(userId, basePlayBalance);
+
         log.info("External deposit completed: orderId={}, userId={}, usdAmount={}, playBalance={}, firstDeposit={}", orderId, userId, usdAmountBd, playBalance, firstDeposit);
     }
 
+    /**
+     * Applies referral commissions on deposit: referer_1 gets REFERRER_LEVEL1_PERCENT, referer_2 gets REFERRER_LEVEL2_PERCENT, referer_3 gets REFERRER_LEVEL3_PERCENT of base play balance (no bonus).
+     * Updates: referer's balanceB, depositor's to_referer_N, referer's from_referals_N.
+     */
+    private void applyReferralCommissions(Integer depositorUserId, long basePlayBalance) {
+        if (basePlayBalance <= 0) return;
+        UserD depositorUserD = userDRepository.findById(depositorUserId).orElse(null);
+        if (depositorUserD == null) return;
+
+        long commission1 = Math.round(basePlayBalance * REFERRER_LEVEL1_PERCENT);
+        long commission2 = Math.round(basePlayBalance * REFERRER_LEVEL2_PERCENT);
+        long commission3 = Math.round(basePlayBalance * REFERRER_LEVEL3_PERCENT);
+
+        applyReferralLevel(depositorUserD, depositorUserId, 1, depositorUserD.getRefererId1(), commission1,
+                UserD::getToReferer1, UserD::setToReferer1, UserD::getFromReferals1, UserD::setFromReferals1);
+        applyReferralLevel(depositorUserD, depositorUserId, 2, depositorUserD.getRefererId2(), commission2,
+                UserD::getToReferer2, UserD::setToReferer2, UserD::getFromReferals2, UserD::setFromReferals2);
+        applyReferralLevel(depositorUserD, depositorUserId, 3, depositorUserD.getRefererId3(), commission3,
+                UserD::getToReferer3, UserD::setToReferer3, UserD::getFromReferals3, UserD::setFromReferals3);
+
+        userDRepository.save(depositorUserD);
+    }
+
+    private void applyReferralLevel(UserD depositorUserD, Integer depositorUserId, int level, Integer refererId, long commission,
+                                    java.util.function.Function<UserD, Long> getToReferer, java.util.function.BiConsumer<UserD, Long> setToReferer,
+                                    java.util.function.Function<UserD, Long> getFromReferals, java.util.function.BiConsumer<UserD, Long> setFromReferals) {
+        if (refererId == null || refererId <= 0 || commission <= 0) return;
+
+        setToReferer.accept(depositorUserD, (getToReferer.apply(depositorUserD) != null ? getToReferer.apply(depositorUserD) : 0L) + commission);
+
+        userBRepository.findById(refererId).ifPresent(refererB -> {
+            refererB.setBalanceB(refererB.getBalanceB() + commission);
+            userBRepository.save(refererB);
+        });
+        userDRepository.findById(refererId).ifPresent(refererD -> {
+            setFromReferals.accept(refererD, (getFromReferals.apply(refererD) != null ? getFromReferals.apply(refererD) : 0L) + commission);
+            userDRepository.save(refererD);
+        });
+
+        log.debug("Referral commission applied: depositor={}, refererLevel={}, refererId={}, commission={}", depositorUserId, level, refererId, commission);
+    }
+
     /** USD range 3–20000 and at most 2 decimal places. */
     private void validateUsd(double usdAmount) {
         if (usdAmount < MIN_USD || usdAmount > MAX_USD) {