I've been pleasantly surprised by the passive income potential through Finministry's sub-affiliation program. By referring three other affiliates, I now earn an additional 5% on their commissions, which has boosted my monthly income by about 20%. The platform's sophisticated tracking ensures I never miss a referral. I'm also impressed by the range of high-converting marketing materials provided. Their pre-designed banners for a recent IPO offer saved me design costs and performed exceptionally well. The main challenge I've faced is the varying commission structures across offers. It sometimes feels like a balancing act between choosing higher-converting offers and those with better commission rates. Nonetheless, Finministry has significantly enhanced my affiliate marketing success.