The Fagura system monitors and analyzes the first eligible action completed within 30 days of account creation. Since the reward is designed for each individual "approved referral," you will receive the bonus corresponding to the first condition met:
If the first validated action is an investment of at least €250 (for an individual account), you will be rewarded as an investor.
If the first action is taking out a loan, you will be rewarded according to the borrower rules.