If we are investing and it pays off, it is very likely that we want to continue getting profit from it, right? In that case, we will reinvest our money again, hoping that it can continue to grow.

The same goes with HYIP or a high-risk investment.  Actually, for me, it’s a money that I can afford to lose and I’m fully aware that I may lose that money. If then, it actually works, then it’s a bonus.

Because of that, while I keep withdrawing the profit, I will just reinvest the principal after the investment has ended to start a new one.  This next one, actually tried to offer a solution for that.

The solution is investment plan with unlimited terms. The plan won’t stop and they will keep paying. However, we won’t get the principal back at all and have to rely on the profit they are paying. This is not the first one to offer such investment.

So, who is this Is legit or scam? What are the investment plans? How do we get paid?

Those are probably just a few questions that came to mind after hearing about the program. Well, in this article, I’m going to share with you my Review based on my experience and what I can find from the internet.

Hope this helps. Is going to be the best investment program out there?

Click or tab on any sections from the table of contents to jump right to that part. Use the red arrow button on the bottom right corner of the screen to head back to the top.


Type: High Yield Investment Program (HYIP)
Investment Plans:
15% Daily Forever
110% After 6 Hours
Minimum Deposit: $20
Maximum Deposit: $100,000,000
Referral Commission: 7% (1st Level), 5% (2nd Level), 3% (3rd Level)
Payment Method: Cryptocurrencies, Perfect Money, Payeer
Started Since: 28 July 2020
My Status: SCAM
Last Payment: October 2022

WARNING – is one of the HYIP

High Yield Investment Program (HYIP) is a program where anybody can deposit some money as investment and get a high profit in return after a duration of time. How high the profit can be very relative but still, they are not very sustainable for the long term.

They will be out of business, eventually. Not necessarily because they are scams, but sometimes just a single mistake can cause them to lose a lot of money.

Some consider this as PONZI scheme, where the first investor get paid by the next one. Eventually the last member won’t get paid at all.


Why are people still using this kind of program?

For one thing, there are still some legit programs, even though they will be out of business sooner or later. People can still make money out of them.

Another thing is that people sometimes just want some extra income right away. They can no longer afford time and energy to work and build a business in a legit way. Some even already work for two jobs.

Investing some money is their only way. Hopefully to get something in return.

Why do I still use this kind of program?

Some people would say that this is not a legit way to make money online, let alone as a business for passive income. It is a scam and we will lose the money.

I tend to agree and in general will not recommend anybody to use.

But the legit way to make money online and turn them into a business requires time and hard work even money to start that not everybody can afford. What I’m doing here on this website is exactly one of those legit way. We build website like this and fill them with helpful information, get traffic and monetize.

You can learn more about it below. There are other way to make money online that I share here on this website.

I’m here just to share my experience, observation and point of view regarding this program. To help people make decision on whether they should spend their money with this program or not.

So you can just read about my story with them. No need to follow me invest some money or even join the program because I’m not recommending this in general. Do it at your own risk.

And it is all for the sake of making money online in a legit way.

Some tips for using HYIP service

If you are still willing to give this kind of program to try, there are some tips that we can use in general for every HYIP.

First of all, consider this program not as investment but more like gambling. Which means, just think that the chances are we are going to lose the money.

Use only the money we can afford to lose. Not the money you need to pay rent or school or food. Maybe money for cigarettes, or vacation.

Do not to think about making money or even huge profit, consider it just a bonus if we get. And if we do get some profit, try to save it for another program if you want. Think about investing as a whole not just per program.

Get our investment back as soon as we can. Do not try to compound or reinvest before that. Once we get our initial investment back, we can reinvest as we please.

Do our own due diligence. Research first, read from monitor, forum, or other people’s blog or website. Try to understand which user is actually give some time to invest. Anybody can say anything on the internet, even those who doesn’t have anything to do with it.

Test first, by try using every feature from the platform. Send tickets to support, ask them anything. Make sure we understand the rule and terms, how to deposit, or withdraw.

Choose the very low minimum investment plans so we are not going to lose money that much. There are a lot of ways to earn money online for free that I share here. Maybe just a few cents but we can try investment program with very low minimum deposit.

It is very easy to be tempted to reinvest our money once we know that the program is legit or just because we get our first payment. We think that the program will keep paying.

Remember that one of the reason for them to stop paying is because they lose the money, or make a mistake. Not just because they are scam from the beginning.

We have to control ourselves, set rules that we follow.

If you have set up your mind and still want to give this a try, keep reading. If you are not ready just skip to the very end of this post.

News and Update

October 2022. This has turned into just a SCAM. It is to be expected from the same owner as They deleted my account, just like my account for their other site.

About is actually another HYIP with Gold Coders script but at least they use the new template. We can check on Gold Coder website, they indeed have the license.

Most of them still work the same but there are a couple of improvements. A couple of pages still are not updated. On the website, another unique thing they do compared to other similar programs is posting their address. According to their website, the address is 221 VIOLET ROAD, LONDON, UNITED KINGDOM, E3 3AE.

I don’t know anything about London so I cannot tell whether it is real address or not. From what I understand, this one is probably from the same owner as If we make a deposit using Perfect Money, the receiving account is actually the same. Unlike that one, this does not display any information about company registration number.

To contact them, we can send email to There is also a contact form that we can use on the site.

If we look at the site itself, it will say 2019, which implies that they have been around since that time. However, according to some HYIP monitor programs, they started in 2020.

According to the data from, got NOT PAYING status. This is mostly based on the status from where one user said that they cannot login. 10 other monitors say that they are still getting paid.

From that data as well, the IP that they used is not shared with other websites. However, in the same network, there were 90 other projects. Since they use template script and didn’t change some parts of the content, we can see that there are other sites that use similar content.

Investment Plans

Investment is the main and only feature on Anybody can make a deposit, some amount of money and after a period of lock in time, they will get profit.

Depending on the program, we can get the profit payment, daily, weekly, bi-weekly or even monthly or just one time at the end of term. For the daily, usually either based on calendar days or just weekdays.

Some can even offer hourly payment. We can make a deposit and an hour after that, we will get our first payment of profit.

The lock in period or duration of the investment term can also vary. Some can offer a day, some weeks or even years before we can get the principal back.

Regarding the payment, a program can pay the profit first and return the principal at the end of investment term. Some may pay differently like each payment includes both the profit and parts of the deposit.

For the latter, the offered interest rate seems like higher than the former. This probably will matter if we try to consider how soon we can reach the BEP and start making pure profit.

As for the interest rate, usually from any HYIP, we will get a constant rate. So, the profit is not going to fluctuate depending on the program’s performance.

Some HYIP can offer just one investment plan or several different ones. In the case of, they are offering 2 different Investment Plans and here are the details.

Instant Daily Plan: 15% Daily Forever

The minimum for this is $20 and the maximum is $10,000,000. The plan itself has 5 different levels and if we deposit higher amount above certain threshold, they will pay higher interest rate with 15% as actually the highest offer. Here are the details.

$20 – $500: 0.2% Daily Profit
$501 – $1,000: 1% Daily Profit
$1,001 – $5,000: 4% Daily Profit
$5,001 – $10,000: 9% Daily Profit
$10,001 – $10,000,000: 15% Daily Profit

For this one, the plan will not expire at all. It will keep paying profit each day after the deposit. From the calculator feature that they provide, we can see that the payment is based on calendar days not just business days.

So, if we invest $20 or the minimum, right after 24 hours from the deposit, we will get $0.04 in our account balance. Depending on the payment system we use, we might be able to withdraw that one-day profit immediately or we can wait a couple of days. Each day we will get that same amount of profit.

At the same time, unlike other HYIP where the plan will expire, this one will not return the deposit, as there will be no end to the plan. So, the payment we get is not exactly the profit but just return of investment, at least until we have reached 100% return.

The question is then, how long before we can reach that return and start getting the profit. With higher amount of deposit and higher interest rate, we definitely can reach the Break Even Point faster.

For the first level with 0.2% daily, we need 500 days or about 17 months. We need 100 days for the 2nd level or about 4 months, 25 days for the 3rd or less than a month, 12 days for the fourth, and 7 days for the fifth or the highest level.

There is a compounding feature where we can set a percentage from each profit to be included in the next daily payment. The option can be from 1 up to 100%.

I haven’t tried this but keep in mind that if we choose to compound, we also won’t get that profit back again. With the lowest interest rate, we need extra $5 for additional $0.01 profit the next day. Unless the initial investment is higher than $500 with 100% compound, it probably will not increase the next profit payment.

That is it with this first group of investment plans from

Instant Hourly Plan: 110% after 6 Hours

Similar to the previous group, there are 4 different levels for this plan. If we invest higher amount, we can get higher profit within the same period of time. However, to start the investment with these plans, the minimum deposit is higher. Here are the details.

$1,001 – $5,000: 103% Return
$5,001 – $10,000: 105% Return
$10,001 – $50,000: 107% Return
$50,001 – $100,000,000: 110% Return

For these plans, they are saying that they will pay 6 hours after the deposit that entire amount. So, if we invest like $2,000, after 6 hours, we will get $2,060 or 103% return with $60 profit.

That means the highest plan of this will give 10% profit after 6 hours. We will get the deposit back by the end of it which we can use to start a new investment.

Within a day, we can get 4 cycles and get 12 to 40% return each day. The weekly rate would be 84% to 280% profit per week. But that require manual reinvesting. As far as I know, there is no automatic reinvest feature.

While the deposit page has a compounding option but I think that is only for the first group.

With the profit alone while we keep reinvesting the principal, we can reach 100% return or BEP within 3 to 9 days with constantly reinvesting after 6 hours. Of course, we can just invest once and get all of the money out right after the first 6 hours instead of reinvesting.

That is it with the second group of investment plans from

Comparisons to Other Investment Programs

If we are not familiar with the world of investing, specifically HYIP or online program, it is probably hard to understand the number described above. Are they a good interest rate or is it really too high or even a sign for scammers?

One way to find out is by making comparison to other similar programs. This might not be the best or the perfect way to do it but at least this can give us some perspective.

With the second group of investment plans, we can get like 84% to 280% weekly profit. While the first group, the weekly rate is about 1.4% up to 105% profit per week. That is after we have reached the BEP.

Here are some comparisons. The numbers are based on the current rate at the time of writing. Each of them may change their plan anytime., has been operated since 2014, recently changed their plan from one to several plans. The lowest one offers 0.2% after a week while the highest one offers 0.468% daily profit but paid after 1,920 days. That lowest one will pay the same rate for a week as for a daily payment from, operated since 2013, is offering 0.14% daily calendar days interest rate as the lowest plan or 0.28% for the higher one. That is slightly higher than the lowest investment plan from, since 2015, offers like 0.07% daily profit for 777 days. That is like only a third from the lowest plan on, since 2014, also offers like 0.2% daily profit but for 555 business days. The daily profit is the same as the lowest from but this only pays on business days., since 2015, also offers 2% weekly payment but only for 364 calendar days. That is slightly higher than the lowest investment plan from, since 2015, offers 2% weekly as well as the lowest investment plan but it will take 777 calendar days with 17% weekly as the highest. That is slightly higher than the lowest investment plan from, since 2015, offers also 2.1% weekly profit in 798 days. That is slightly higher than the lowest investment plan from, since 2015, offers 4.1% profit per 2 weeks in 994 days. That is slightly higher than the lowest investment plan from, since 2015, also offer 2% weekly for 798 days. That is slightly higher than the lowest investment plan from, since 2017, offers 0.05% daily profit for 365 days. That is only like 1/4 daily rate compared to, since 2019, offers about 1.8% or more weekly profit if we choose the weekly plan or the second one. That is slightly higher than the lowest investment plan from, since 2019, offers 2% weekly for 2 years. That is slightly higher than the lowest investment plan from, since 2019, offers 2% weekly for 777 calendar days. That is slightly higher than the lowest investment plan from, since 2019, is offering 4 investment plans with 1.08% weekly profit as the lowest interest rate and 19.84% as the highest one. The lowest one is even lower than the lowest one from, claimed to have been operated since 2017, is offering like 2.5% weekly profit for their lowest plan which will end after 500 business days. That is almost double the weekly rate from the lowest plan on, operated since 2020, is offering 2% weekly profit for 1 year as the only plan. That is slightly higher than the lowest investment plan from

Those 16 are the only HYIP programs that I’ve tried and I’m still testing at the moment. It’s possible that some have stopped paying but are still accepting deposit.

I really can’t try too many of them, considering how risky the nature of HYIP and again, I wouldn’t recommend anybody to try as well.

But there are other online programs that also offers to pay some interest. Some people might think these programs are better than HYIP because the interest feature is just a secondary feature.

They have other ways as income source. Here are some of those programs., probably one of the longest paying faucet programs, offers like 4.08% annual interest. That is just like 0.01% daily calendar day profit, which is already far lower than any HYIP. and their group, similar program to, also offers to give up to 6% annual interest. It is like 0.016% daily profit, just slightly higher than and obviously still way lower than any HYIP., also another faucet program that offers interest which will be compounded weekly. The interest is 5% annual or about 0.014% daily, also lower than any HYIP. also offers 0.02% fixed daily interest rate for investing in Bitcoin and several altcoins. There are also another offer with fluctuate interest rate from the Staking feature which could be up to 0.08%. is another faucet program that offers some kind of investment from their rent hardware simulation. The plan with the highest rate is about 35% for 120 days or about 106% annually. is another one where we can invest Bitcoin. They offer 0.7% daily rate but include the principal for 180 days. That means the interest rate is about 0.144% profit per day. This is just half of the rate from most HYIP.

There are still other forms of online investment programs that are not HYIP and I haven’t got the chance to try it. We could invest on cryptocurrency mining, with hardware, or some stocks.

Comment and Suggestion

This is still one of the HYIP with Gold Coder script but with the new one.

Usually, I consider the 2% weekly profit as a reasonable rate. As we can see from the comparisons above, there are a couple of other HYIP that are offering this same rate. Some can offer slightly higher and only a few that gives way higher.

We can see that from the HYIP I mentioned, they have been around for 7 years or more at this point.

If those HYIP are scams or just offering very high rate, they will not be here for that long. Some can barely reach their first month or so.

People might think that higher rate means a better program. That is not the case here. They might be willing to pay but at the same time, they are not sustainable.

After all, this is a business, not just some giveaway. Of course, they make more money than that but if they give the investors everything, who would pay for their operational cost?

The more they can save, the more they can keep offering the service. I don’t know how exactly they generate the profit. Typically, they do it from trading with stocks, or forex or cryptocurrency.

If that is the case, there is a chance that they will occasionally lose money in their effort. So, clearly they need to make more than 2% that they give us or alternatively, give the investors lower rate.

By doing so, they can build enough barrier for them to cover some losses. Some may say that HYIP will eventually become a scam but some stick around way longer. For me, it’s matter of choosing the one with lower risk and by giving a reasonable rate is one way to do it.

In the case of, 0.2% daily profit or about 1.4% as their lowest plan is still a reasonable rate among HYIP. The higher ones are definitely too high and the Hourly plans are almost like a joke.

They know that nobody will be willing to invest that much. Some HYIP do that somehow. My issue with that is they still open the risk. What if somebody does take that risk and invest that much? $10,000 or higher is impossible to reach but $1,000 may not.

Most other investors will only invest like $100 or less than $500. I don’t think it’s a big jump to $1,000. If that happens then suddenly the HYIP must find a way to make more money just for this one account. That could still jeopardize the entire program. This is why this kind of programs is risky. Most investors will only choose the reasonable rate but the higher rate can still make this HYIP go bankrupt.

It’s not like a legit program where they will manage them separately so that one plan may lose money while the other keeps generating. When that happens, all investors will lose their money.

I never trust an hourly program. Like after 6 hours they suddenly can get 10% higher? What happen if somebody invest in the middle of the night? There is no way they can keep up with that, assuming that they can.

Even the lowest one, 3% profit from $1,000 is $30. That is just from 1 account investing in one plan and they are still managing money from the other group.

I’m also not sure with the idea of investing forever like this. Technically, it’s the same as other HYIP where we choose to keep reinvesting the principal ourselves. But those are by the investor’s choice and they have to do it manually.

There will be times when the investors forget to reinvest right away and that will take the load from the HYIP. So, it is kind of helpful for being non-automatic.

While this one? It’s like they are making a promise that they will keep generating profit and pay the investors. This is not the first HYIP to offer such investment. I’ve tried several of them in the past and none of them survive.

Some can say that it’s like what Banks are offering but even that the interest is way lower and it is not a fixed rate. They will have to adjust the rate with the current situation from time to time. HYIP doesn’t have this. So, having a break is necessary.

In my opinion, if HYIP let investors just do whatever they want like keep adding investment or withdraw anytime, it will be harder for them to handle. If they are a legit business, they will need to make estimation as how much money they need to make for the next week or so.

Limiting the deposit amount, the number of deposit or offering just one plan are better than investors can just do anything. Another reason why this is a high-risk investment.

The $20 minimum to start investment with is not the lowest but I think it is a good amount. Especially if we choose cryptocurrencies as the payment method. We have to reach very high amount just to withdraw and it will take longer with the same interest rate.

This is not a problem with Perfect Money as we can withdraw as low as $0.01. With that lowest interest rate, the minimum deposit of $5 is enough to allow us to withdraw daily. It is recommended to withdraw the money as soon as possible from any HYIP because we don’t know when they will go bankrupt.

Overall, or any HYIP are already a risky investment. Offering higher interest rate makes them even worse.

They can become scam anytime. Maybe right before we reach BEP or even right after we make the deposit. We will never know, except when it is already happened and all we can do is let it go.

Even some of the programs that I mentioned above have been considered as SCAM or STOP PAYING. This is after they have to switch from using Perfect Money to cryptocurrencies.

Which is why, in general, I do not recommend anybody to invest in any HYIP. Please do it at your own risk and only spend the money that we can afford to lose.

Referral / Affiliate Program

It seems that there is actually a way to earn money from without starting any investment or even making a deposit to them. It is by using the affiliate or referral feature to earn some commission.

What we need to do is we invite other people to join the program and let them use the service. In this case, the program is and the service is to invest, deposit some money to start the investment.

As the referrer, we will get some commission based on some percentage of the referral’s deposit amount. We can then withdraw the money or, if we can reach the minimum amount, we can use to start investing.

The more referrals we have, assuming they are all making a deposit will increase the commission we can get. If we focus on promoting and keep getting more referrals, then we may have a passive income source without investing.

That is the basic idea. The question is, will this referral feature work as good as it sounds?

How does it work?

Like any other online program offering a referral or affiliate commission, each of their member will get a unique link with their ID attached to it. It is called a referral link or ref link and this one below is mine for

If anybody click on that link and join the program, they will become my referral. And if they use the service, make a deposit to start their investment, based on their homepage, we as the referrer will get 7% from the amount of referral’s deposit.

So, if the referral makes a $20 deposit, the referrer will get $1.4. They will pay the commission only if the referral makes a deposit from outside the platform. Reinvest doesn’t count.

That is just from direct referral or Level 1. They are also offering referral commission from the Level 2 with 5% and Level 3 with 3%. So, if our referral can invite other people, those invited people will become our Level 2. If those people make any deposit, our referral will get 7% and we get 5%. The similar goes with the Level 3.

Assuming the referral feature works, what we need to do is just share the link to anybody on any online platform that we regularly use. The platforms can be our social media accounts, forums, emails, group messengers for family or friends or even blog and website that we own.

Anywhere we can post the link and the public can access it will do. Even Google Docs can work.

To find the link, we can just sign in to our account and on the DASHBOARD, there is also a menu that says REFERRAL. This will bring us to a page similar to the previous picture. Actually, the Dashboard also shows this referral link but they don’t put a name to that section.

The section on the right on that referral page will have the referral link unique just for the account that we can copy. While we can see the Copy button, but at this moment, unfortunately, it doesn’t work.

So, we need to highlight the link and copy it manually. We have to make sure that we are copying the complete link that ends with our username. Missing even just one character means losing a potential income source. also provides some promotional banners that we can use from that BANNERS section. There will be 3 banners with different shapes and sizes but the same design, each with HTML code ready to be used.

Aside from that, unfortunately, there is no other tool like tracking system. We can also only see the total commissions from all referrals not each of them. But the link is the most important part.

How to get (more) referrals?

Well, sharing the link is a must but how exactly? Sharing to the wrong people is like a salesman approaching stranger. People hate that.

If we try to share on our social media, people might get annoyed if they are not interested. Especially if we are spamming, sharing over and over again like multiple times within a day.

We could lose our followers, risking any network we have built. Maybe it’s better to have alternate account specifically just to share this kind of program.

We look for community or other users that we know are interested. Then we can share with them the link.

A better way might be to share on forums. Not just any forum of course, but related to online money making program and maybe investment.

The problem with using any free platform like this is that we are probably not the only one who promote the same program. We have to offer something more than just the referral link like anybody else.

Another thing is that these free platforms have rules that they can suddenly change about promotion and not to mention, shutting down their service entirely. We have to start over our campaign if they delete them.

A better way would be to have our own website. We can share anything not just one program but others with the same, similar or related topics.

Having a website is like having a shop in real life. People can always come back to and find out more programs to use.

Then we can use those free platforms, forum or social media accounts  just for promotion. A good way to get backlink or generate traffic.

Since it’s an online shop, it will stay open 24/7, no need to wait for us to wake up and can be accessed from everywhere around the world. The best part of having our own place or website is that any search engine like Google will do the promotion work non stop.

And they will show the website as a result to exactly people who are interested in it. The people that use the search engine to look for it and get the website we build as the result. No need to worry about being annoying salesman.

Those people will access the website, see what we have to offer. Maybe a review like this, other or similar program we use, sharing experience, opinion, views to let people know that we understand this kind of program.

If they are interested, they will become our referrals for any program we promote. Once we have enough referrals for or every programs we promote, we can have passive income even full time income.

That is exactly how people can build their business online. They own a website, fill the website with contents that can help promote a program, and let it work automatically.

If you are interested to know more about how to build a website and turn it into an online business, keep reading. I will share with you later about a training program that anybody can use.

In the meantime, let’s head back to for a little bit.

Comment and Suggestion

Again, in general, I would not recommend anybody to use or invest on any HYIP, including Since we have to make a deposit while we can earn money for free from other programs.

What I’m doing here is just sharing my experience and what I know about any online money making program. So, if anybody is willing to join this program and invest their money here, please do it at you own risk.

Read again the warning section above.

At this point, I also haven’t gotten any referrals for So, I cannot tell for sure whether their referral feature is even working. What I’m going to say here is based on my experience with other programs with referral features as well.

Most HYIP are offering similar feature. However, among all HYIP with Gold Coders script, this has probably the best presentation. At least they are not just use the template, but they do design promotional banners.

The only missing part from similar programs is the tracking system. If it is available, we can tell whether the link got hits from wherever we shared on. While it can give a good info about our promotional campaign but that feature on other programs were not very detail. Maybe Gold Coders has a different script with better version of it.

But none of them really matters if the feature doesn’t work. The link is still the most important tool.

For sharing on some forums, HYIP is considered as total scam but they still accept other money making program. Just make sure if we want to share our links, they do accept this kind of programs, like by providing a dedicated thread or sub forum.

Maybe give rating on HYIP monitoring program and use the comment section to share the link is the way to do it, not sure though. Try to do it more passively, like wait until somebody ask for it and reply with the link and review, after we do get paid.

As I said before, we can only get commission if our referral make a deposit from outside. So, redepositing from the account balance after the previous one get expired will not get the referrer anything.

If somehow the referral is planning to make deposit and withdraw the funds completely then deposit again, not really sure but this should give some commission to the referrer. So, with my suggestion above on how to lower the risk for investing here, I can earn more commission but I still stand with my reasoning.

Again, I don’t recommend anybody to invest here or any HYIP program.

The commission rate, 7% from level 1 is probably the highest among other HYIP that I’ve tried. Other programs can offer only up to 1% or lower. Usually, we even need to have certain minimum number of referrals before getting that rate.

One concern about this is whether the referrals have to be active or not. If we do get some referrals, some of them will just join and do not use it at all.

So, if they also require the referrals to be active, it will take a long time before we can even increase the rate. I suggest just forget about the extra and consider the just the lowest possible rate.

If we do expect to start the investment from the commission, it will take like 15 active referrals, each make a deposit of $20 just so we can start our own investment without making deposit ourselves.

But not every referral will make a deposit. Usually only a small percentage of them will. So, it is still possible but we need many more referrals than just 15. That 15 is because we get 7%, imagine that with other programs with just 1% commission rate or less.

With 5% from the Level 2, that means if the Level 2 makes a $20 deposit, our Level 1 will get $1.4 and we will get $1. Similar goes with Level 3 and we will get $0.6.

That is really a huge amount of money that they give to the referrers. So, like 15% from the deposit will not go to but back to the users. Of course, users can spend them to start an investment again but there is a good chance that they will withdraw them. Even from the Level 3 is enough to withdraw, if they use certain payment method.

Another issue is that is accepting payments from multiple different methods. I don’t know for sure, but it seems the system will count them as separate balance. So, we still get like $1.4 commission, but one can be for Perfect Money balance and others can be from Bitcoin or other supported cryptocurrencies.

It will be great if they have an exchange feature but up to this point, there is not. So, if we expect to start investment, we need at 15 active referrals for one payment system.

Otherwise, we should just withdraw the commission. This can be done with the Perfect Money for now as we can withdraw as low as $0.1 according to the FAQ. I’m not really sure about the cryptocurrency methods. The FAQ only says 0.0005 BTC which can be a different value in USD. They depend on the actual price or value of each coin.

Withdrawing is basically buying those cryptocurrencies. With high value coin, we probably need higher amount before we can transfer it. Then there is another transaction fee that we probably need to pay for every withdraw.

If we invest on several other programs like this, we can accumulate those small commission faster. Eventually we can reach $10 and invest on

There are others where we can start lower like $1 with Not that I would recommend it in general.

Getting referral might be easy but referral making a deposit is very rare. Expecting them to invest can still happen but very unlikely. Even I try not to add more than just reinvesting the profit while taking a bit of them overtime.

So, it could work long term and become a passive income but it’s not going to happen anytime soon or that often.

The reputation about a HYIP is already bad. We could jeopardize our relationship with other people by promoting this very risky program where they could lose the money.

For those who don’t really like promoting, especially directly, we can earn more free money faster using other online earning program. That way we can start the investment sooner.

Check this article for other earning programs.

Inviting other people doesn’t always mean they will make a deposit right away, if ever. Since this is already an investment program, we can already have a passive income.

There is no need to focus on promoting this program just to build long term passive income. You can find other programs on this website with no risk, we can earn right away for free.

I suggest look for programs where they offer investment as their secondary feature. Usually from the main feature, we can earn free money. This way, people can decide later whether they want to invest or just withdraw the earnings.

Check out the COMPARISONS section of this article for programs where we can earn free money with invest. There might be more. Check out the previous link to find out the latest update.

Deposit and Withdraw

Now that we have learned about the investment and how to earn commission from, how do they handle payment? How do we make a deposit to start the investment and how do we get paid after that?

Currently, is accepting payments via several different methods. From some they will accept USD deposit like Perfect Money, Payeer and ePayCore. They also accept 10 different cryptocurrencies, BTC, LTC, DOGE, ETH, BCH, DASH, USDT (both ERC and TRC), TRX and XLM.

I have only tried with the Perfect Money. Usually, if we choose one option to make deposit, we can only accept payment with that same currency. There is no option to exchange them internally.

Use this link to create account with Perfect Money.

Recently a couple of other HYIP have stopped accepting Perfect Money and begun accepting USDT, another cryptocurrency. Since there were a lot of users already made deposit with Perfect Money, these HYIPs eventually added an exchange which only works one way.

It is possible that will take the same decision, moving from PM deposit to USDT.

I’m going to share my experience with Perfect Money. If then decides to stop using that method, then this section will become irrelevant.

With the cryptocurrency options, making a deposit to to start investment means selling the coins with the value at that time to get USD value. Then, when we decide to withdraw the funds, we are basically buying those coins again, probably with different value.

Because of that volatility with the price and less flexible in withdrawing, it’s difficult to recommend using those cryptocurrencies. If then they use USDT which is much closer and stable to USD value, then it probably doesn’t matter.

How to Deposit

Making a deposit to means starting the investment immediately. There is no option just to add the balance and choose the investment later or just to withdraw the funds right after.

To make a deposit, after we sign in, we can click on the menu on the left that says DEPOSIT. This will bring us to a page similar to the previous picture above.

As we can see on that page, we first need to choose one of the 2 available plans. Choosing means clicking the white circle next to the plan’s name until we can see a black dot in that circle.

In this example, I will describe only the first plan with the lower minimum. After choosing the plan, we can scroll down and find the next section. Here, we can enter the amount to deposit, set the compounding feature and choose the payment method.

Because I want to use Perfect Money, I choose the option that says SPEND FUNDS FROM PERFECT MONEY. After that, we can click on the yellow SPEND button at the bottom to proceed.

As shown by the second picture below, the next page we see will be the confirmation page of our order. We can make sure again the chosen plan, the deposit amount before we proceed by clicking on that PROCESS button or cancel it.

As shown by the third picture below, we will arrive at the payment page of Perfect Money. Here we can find some details about the receiving account of this HYIP.

According to that page, the account ID is U12456834, owned by PayKassa. The account type is Verified with 523.1 Trust Score Points, Normal Credit rating and no overdue loans.

From what I understand, this is actually the same receiving account as, another HYIP.

Then, we need to choose how to pay from the 3 options. For this example, I used the first one, paying with the existing Perfect Money account. I don’t know anything about the other 2.

We can proceed by clicking on the MAKE PAYMENT button. The next page we see will be similar to the 4th picture below. We need to authorize the payment by signing into our Perfect Money account.

All we need is to enter the Member ID (not payment ID) of PM account, password and the turing number. Then, we can click on the PREVIEW PAYMENT button to proceed.

Usually, there is going to be a confirmation process, especially if we sign in to PM account using different internet network. The system will send a code to our registered email and we need to copy and paste the 7-digit PIN code before we can proceed.

Only then, we will see the next page which should be similar to the 6th picture below. This is the final confirmation page. We can still cancel the payment if we want.

After we click that CONFIRM PAYMENT button, the system will send the payment. As shown by the 7th picture below, we will see the result that says the payment was successful and the batch number of that transaction.

We can then click on the CONTINUE button to return to page. Back on the HYIP page, we can click on the YOUR DEPOSIT menu to find out how long has it been since we made the deposit as shown by the 8th picture below.

If we can find that, that means the investment is already active. After the next 24 hours, we will see the first payment in our account balance.

That is it with how to make a deposit to start investment with


How to withdraw

Once again, this is how we can withdraw funds from using Perfect Money method. Remember that we can only withdraw using the same method as the deposit method.

To withdraw, we can first click on the menu on the top that says WITHDRAW. This will bring us to a page similar to the next picture below.

Here we can see the list of payment methods. Each will tell us the available balance of each method and the payment account we want to send the money to. We have to choose which method by clicking on the white circle again.

If we scroll down, then we can find the request form. We can enter the amount we want to withdraw and click the REQUEST button to proceed.

As shown by the third picture below, we will see another confirmation page. The page also says that there will be no extra fee for withdrawing. We can click on the CONFIRM button to proceed.

After that, we will go back to the Withdraw page again. However, if we notice, at the top it will say WITHDRAWAL HAS BEEN PROCESSED, followed by Batch ID for Perfect Money.

We can check on our Perfect Money account to find out whether we actually get paid or not. If we do, as shown by the 5th picture below, there should be a payment entry from InstantTradeLTD with U39584814 as the account ID, which is different from the receiving account.

That is it, with how to withdraw funds from using Perfect Money.

My Withdraw

Here are the reports for every withdraw that I have requested and the time I got paid from Based on my first withdraw, the payment was instant. Let’s see if they can keep sending the payment that fast.

1st payment. Paid at 11:45, 4 September 2022 (GMT+7), instantly. Status paying with 2% ROI.

2nd payment. Paid at 17:47, 19 September 2022 (GMT+7), instantly. Status paying with 4% ROI.

3rd payment. Paid at 10:28, 1 October 2022 (GMT+7), instantly. Status paying with 6% ROI.

4th payment. Paid at 10:40, 15 October 2022 (GMT+7), instantly. Status paying with 8% ROI.

The plan will not expire. I probably will withdraw the funds every 2 weeks or so.

Comment and Suggestion

The best recommendation with using any HYIP is always try to withdraw as soon as possible. I guess, maybe I should have withdrawn every week instead of every 2 weeks. Luckily, with Perfect Money, we don’t pay fee for accepting payments.

This is a good way to cut the loss. Again, this HYIP program can turn into scam anytime. Before we get our money back, reach BEP, we should not try to compound. The key to investing is to diversify so it is recommended to withdraw and probably invest the earnings on something else.

That way we could still increase our investment but lowering the risk. Most of other HYIP will process them manually. Some can take like 3 hours and others can take more than a week before we receive the money.

That is also another reason why I can’t really recommend using this kind of programs. We will always wonder whether we are going to get paid or get scammed. Before we make a hasty judgement, it is recommended to check every monitoring program, and see when was the last time they got paid.

If we are not ready to deal with that, we should look for other investment programs.

On one hand, I always say that with manual payment, it will give flexibility for the HYIP. But maybe that is not a good thing for investors. With instant payment, it’s reassuring, and we will worry less whether they become scam or not.

It’s a good thing that they are offering different payment methods. As I said before, I cannot really recommend using any of them because of the volatility with the price and they are also less flexible with the minimum and transaction fees.

It is possible that I eventually have to use a different currency if they choose to stop using Perfect Money. USDT is not my favorite but probably the best choice at this moment. Hopefully when it comes to that, won’t charge any fee for each withdraw.

The minimum is probably higher than Perfect Money, probably about $5 or $10.  So, it will take even longer to reach that minimum.

One more concern with these HYIP with Gold Coder script is that some of them don’t allow us to change the payment ID at all. There are others that give that option to the users but there will be a confirmation via email.

In the case of, it doesn’t seem to be the case. We can easily change it via the EDIT PROFILE page. For those who are using any cryptocurrency method, do not use the wallet from exchangers.

This happened to me. I used the wallet address from an exchanger. Suddenly the exchanger said that they will stop supporting users from my country. I thought it won’t be a problem and they will stay for a while and didn’t realize that this could happen.

So, if we choose the cryptocurrency option, I guess we have to stick with our own wallet that we will always have access to. Exchangers or other websites are not a recommended option.

If they add new payment method, it will be nice. It is just that, in the past, other payment method can be taken down even by government,

When the same thing happens, these HYIP will not have a back up saving account. They probably put their money on that one payment method. At that point, becoming a scam is inevitable. So, that is another risk we have to be prepared for when investing in this kind of program.

For those who don’t have any money to start investment right away, we can try to earn free money from first. They will pay in USD to our Perfect Money account. It will take a while before we can reach the minimum to start the investment but it is one way to go if we don’t want to spend the money from our pocket.

Learn more from my Review.

Status from Monitors and Forums

Once again, I don’t recommend anybody to invest in here considering how risky this type of program can be. But some people might be willing and ready to take the risk and still want to try it. Please do it at your own risk.

I might post and report the payment I got from here. But I could be in the middle of depositing terms and need a week or several to know if they suddenly stop paying.

Or I could be just lucky while they fail to pay other users. It is best to double check other HYIP monitoring program or group discussion on any forum we can find.

I suggest doing it even right before we hit the DEPOSIT button. Below is the list of some links to forum and monitoring program that we can check about

We don’t have to trust every single website or every review on those websites. For me, Goldpoll is probably the one that I’ve been checking on primarily.

I did send Goldpoll a report of problematic program once using the form from their left navigation widget. Not long after that, they changed their status for the program, and I got paid right after. Or it could be just a coincidence.

I encourage anybody who are investing in any HYIP to do the same. Do research, report to any monitor if we get some problems with payments. Instant Trade Ltd. Instant Trade Ltd. Instant Trade Ltd. Instant Trade Ltd. Instant Trade Ltd. Instant Trade Ltd. Instant Trade Ltd. Instant Trade Ltd.

Conclusion is another HYIP with the new script from Gold Coders. From what I know, this uses the same payment account as, another HYIP, so they are probably from the same owner.

This is a unique one as it promises to pay nonstop everyday while most other similar programs offer limited plan. The plan will not expire so they will not return the principal.

If we are planning to just keep reinvesting the principal with any HYIP, then this one is not different. But if we do plan to just invest once, then we should look for different HYIP.

We can start with just $20 but each day we will only get 0.2%. That makes the weekly profit to just 1.4% which is lower than 2% which I consider as the reasonable rate among HYIP.

From this plan, we can get higher interest rate up to 15% but it is almost like a joke plans. The next higher-level plan is just $1,000 to start, which makes it very risky as some people can afford that.

They also offer a different plan where they will pay profit plus the principal after 6 hours. For this, we can start with just $1,000 and get 3% profit after 6 hours. That means for a day we can get 12% and up to 84% weekly profit with constant reinvesting that we have to do manually.

There is also a higher-level plan where we can get up to 110% after 6 hours including the principal. Of course, the minimum is quite high to reach that which makes this another joke plan. Although, I still think the lowest one of this group is affordable and it will put them into a risky situation.

Aside from the main investing, also offers multi-level referral commissions, up to 3 Levels. Level 1 referrals will give us 7% which is probably the highest among HYIP. For Level 2, we can get 5% and 3% from Level 3.

That means, about 15% from the deposit amount of any user will be returned to other users. It will put them at higher risk. Users, of course, can withdraw them immediately but there is a chance that they choose to invest.

I think the problem with this referral feature is that they accept multiple different payment methods. From what I understand, they will pay the commission separately and there is no built-in feature to exchange.

If the referral chooses to pay with cryptocurrencies, the money can get stuck between unable to withdraw or spend to start investment at all. So far, my payments were processed instantly as their name suggest but I don’t know about the other methods.

In general, I don’t recommend anybody to invest in any HYIP program including If anybody still want to do it, they should do it at their own risk. Please read the WARNING section of this article before making that first deposit.

You can use this link to create account with and start the investment.

Other Investment Programs

Last Update: September 2022

For the latest update, check out this investment program section in this article. I probably have tried more programs but haven’t written a review for.

Also find out more about alternative way to earn online on that article.

Here are other investment programs that I am currently using. Some of them are also HYIP with rather high interest rate with the same level of risk.

But there are also other investment programs that are not HYIP programs but with lower interest rate and probably less risky.

Please read the article to find out the latest update of each program. There is a chance that they are no longer available and I forget to update this section by the time anybody read this. (HYIP, 2% Weekly Profit, USD)
(HYIP, 2% Monthly Profit, USD) (HYIP, 0.07% daily profit, USD) (HYIP, 2.5% weekly profit, USD) (HYIP, 2% weekly profit, USD) (HYIP, 2% Weekly Profit, USD) (HYIP, 2.1% Weekly Profit, USD) (HYIP, 1.08% Weekly Profit, USD) (HYIP, 2% Weekly Profit, USD) (HYIP, 3.15% Weekly Profit, USD, Cryptocurrencies) (HYIP, 1% Weekly Profit, USD) (HYIP, 2.05% Weekly Profit, USD) (HYIP, 2% Weekly Profit, USD) (HYIP, 1% Weekly Profit, USD) (HYIP, 2% Weekly Profit, USD) (HYIP, 0.05% Daily Profit, USD) (Cryptocurrency Faucet and Investment, 0.01% Daily Profit, Bitcoin) (Cryptocurrency Faucet and Investment, 0.014% Daily Profit, Bitcoin) and group (Cryptocurrency Faucet and Investment, 0.02% Daily Profit, Multi Coins) (Cryptocurrency Staking and Investment, 0.02% Daily Profit, Multi Coins) (Cryptocurrency Staking and Investment, about 1.64% Daily Profit, Multi Coins) (Cryptocurrency Staking and Investment, about 0.14% Daily Profit, Bitcoin)

Final Words

HYIP is not the best way to use our money. Even if we use the free money, we get from other online programs that you can find here on my website.

Here is my list of all online earning programs that I have used.

HYIP is like gambling. There is a big chance that we will lose the money and people would not consider this as a legit way to make money.

Instead, we can invest on our own online business.

If you want to know more about how to start online business, there are a lot of training out there like this one. We can learn about how to set up a website and build content and how to make money online. You can read my review here about them.

Spend and invest our time and money to build a website that can generate an income for ourselves. Unlike investment on HYIP, where if we lose the money, we lose everything and need to start over.

If we invest on our website, our hard work can eventually pay off. The only way to lose our investment is if we give up on it or abandon it. We just need to spend some little time everyday and it will grow.

Building a business requires time and hard work. Even Jeff Bezos need two years before Amazon reach return of investment.

The same thing can happen for us on building online business. The sooner we do it the sooner we become successful.

I realize that not everybody still have the time to do this but at least use the money to pay outsource to help you build the website. We just need to learn and understand how the it works and we can pay somebody else to do it for us.

You can learn everything there in the training. Try it, it’s for FREE.

Anybody can use it. Even for a guy without a college degree.

That’s all I can share with you regarding Maybe I missed something and if you have something to add, please use the comment section below, I would be happy to learn.

Hope this helps. Thanks for reading.


Mark M.

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