UnchartedWealth.com Review

Another article of me investing on another different HYIP. This next one, UnchartedWealth.com is the 16th HYIP that I currently invest my money on that are still paying at this point.

My current stats at this point is 7 of these programs have reached BEP. Maybe there is one more by the time this article get published.

One of them become scam and the rest are still paying. I think it’s recommended that any of them can and will become scam sooner or later.

The idea is to keep diversifying even though I might want to look for other industries. This one is a bit different as they only offer than the typical 2% weekly profit.

Is it a good or a bad thing? Some of my previous ones even started to give lower interest rate.

So, who is UnchartedWealth.com? Is UnchartedWealth.com 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 UnchartedWealth.com Review based on my experience and what I can find from the internet.

Hope this helps. Is UnchartedWealth.com 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 Plan: 0.05% Daily for 365 days
Minimum Deposit: $1
Maximum Deposit: $1,000
Referral Commission: ?
Payment Method: Perfect Money
Started Since: February 2017
Last Payment: December 2022

WARNING – UnchartedWealth.com 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

January 2023. Last month, the site was not accessible for almost the entire month even after the new year. Maybe they were doing maintenance or update. Now, I can access the site again but during the downtime, no income at all. I have requested a withdraw but I haven’t gotten the payment as soon as it used to.

Changed the status for this to PROBLEMATIC.

About UnchartedWealth.com

The homepage might look different and unique but if we look at their dashboard, we can easily tell that this uses the same script from Gold Coders. We can check GoldCoders.com and there will be license checker.

UnchartedWealth.com is indeed licensed. If I understand correctly, they need to pay like $166 for the script.

Typical like other similar programs, we can just ignore other part of the pages because most of them don’t even bother to update any page from this script. I think the same goes with UnchartedWealth.com for the most part.

This is the only thing we can find as the company profile from their page.

Our program is intended for people willing to achieve their financial freedom but unable to do so because they’re not financial experts.

Unchartedwealth.com is a long term high yield private loan program, backed up by Forex market trading and investing in various funds and activities. Profits from these investments are used to enhance our program and increase its stability for the long term.

Then at the bottom, they continue with some NONSENSE. At least, they put some effort writing something like that.

Not that it is going to make them a legit one. Some people might be concerned without any clear info and this is not a kind of program for them.

According to HYIP.biz, this site doesn’t share the IP address with other programs but still within the same network with about 25 HYIP. Most of them are considered as scam.

While a lot of monitors say that they still get paid from this, I noticed a couple more have said that this one is a scam. I think it is recommended to just consider all of them as scam from the beginning.

We can use this link to create account with UnchartedWealth.com. I recommend to use a valid email address and Perfect Money account. We also need to have Perfect Money account right away and it will be difficult to change them later.

We can use this link to create account with Perfect Money.

Investment Plan

Investment is the main and only feature on UnchartedWealth.com. 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 UnchartedWealth.com, they actually offer one plan.

0.05% Daily for 365 days

Sadly, if we want to know that, we need to register first and access their deposit page. Unlike other similar program, they do not tell us on the homepage. We even need to check their calculator to know when the plan is going to expire if we don’t want to invest right away.

The deposit page says that we can invest between $1 as the minimum up to $1,000 as the maximum. However, the homepage still says that there will be no maximum, which I assume is the template from the script.

The homepage also says that we can make additional deposit as many times as we want. So, in a way, we can invest more than $1,000 but each will be considered as separate investments.

According to their calculator, we will get the deposit back at the end of the investment. That means, the payment we get each day is the pure profit which is that exact 0.05%.

Also, the payment is based on calendar days instead of business days. We will get exactly 365 payments until the plan expire.

Based on that number, by the end of the investment, we will get 18.25% profit. If we invest the minimum amount or $1, by the end, we will get a total of $1.18, according to the calculator.

We can consider that 18.25% as also the annual rate. For weekly, the rate is 0.35%.

With that interest rate, we will only reach the BEP or 100% return when the plan has expired. If we choose to reinvest, that will take more than 5 cycles or 5 years before the profit itself can cover the principal.

That is the only plan on UnchartedWealth.com. There is also no compounding feature.

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.

So, is the 0.05% daily profit from UnchartedWealth.com a good and reasonable interest rate? 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.

CityBuildTrade.com, recently changed their plan from one to several plans. The lowest one offers 0.2% after a week while the highest one offers 0.5% after 1,920 days. That means, the lowest one is even lower than UnchartedWealth.com.

SolidTradeBank.com, also one of the longest paying HYIP at this time, 5 years old as well, is offering 0.14% daily calendar days interest rate as the lowest plan or 0.28% for the higher one. The lower plan is almost 3 times higher than UnchartedWealth.com while the higher one is almost 6 times higher.

Trust-FX.com, offers 2% weekly profit for 10 weeks (no longer paying). That is almost 6 times higher rate than UnchartedWealth.com.

Crypto7.com, offers like 0.3% daily profit for 555 business days. Or we can say it is about 0.21% calendar day profit. That is more than 4 times higher rate than UnchartedWealth.com.

SafetyDepositary.net, also offers like 0.2% daily profit but for 555 business days. That is almost 3 times higher rate than UnchartedWealth.com.

TopTradeCapital.com, also offers 2% weekly payment but only for 364 calendar days. That is almost 6 times higher rate than UnchartedWealth.com and will end almost the same time as the plan from UnchartedWealth.com.

7-Lion.com, also offers 2% weekly but in bi-weekly payment and also with very long term plan of 798 calendar days. That is almost 6 times higher rate than UnchartedWealth.com.

Fine-China.biz offers 2% weekly as well as the lowest investment plan but it will take 777 calendar days with 10% weekly as the highest. So, the lowest plan is almost 6 times higher than UnchartedWealth.com.

DollarBill.biz offers 2.1% weekly profit in 700 days. That is almost 6 times higher rate than UnchartedWealth.com.

Funds-Broker.com offers also 2.1% weekly profit in 798 days. That is exactly 6 times higher rate than UnchartedWealth.com.

Seven-Stream.com offers 4.1% profit per 2 weeks in 994 days. That is almost 6 times higher rate than UnchartedWealth.com.

White-Wolf.biz, offers 2.1% weekly profit for 2 years. That is exactly 6 times higher rate than UnchartedWealth.com.

Billion-Stars.com offers 4% profit per 2 weeks for 798 days. That is almost 6 times higher rate than UnchartedWealth.com.

Cyber-9.com also offer 4% per 2 weeks for 994 days. That is almost 6 times higher rate than UnchartedWealth.com.

Cyber-Bank.cc also offer 2% weekly for 798 days. That is almost 6 times higher rate than UnchartedWealth.com.

Those 15 are the only HYIP programs that I’ve tried and still paying right now. 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.

Freebitco.in, probably one of the longest paying faucet program, offers like 4.08% annual interest. That is just like 0.01% daily calendar day profit, which is already far lower than any HYIP.

Free-Litecoin.com and their group, similar program to Freebitco.in, also offers to give up to 6% annual interest. It is like 0.016% daily profit, just slightly higher than Freebitco.in and obviously still way lower than any HYIP.

Cointiply.com, 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.

StakeCube.net 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%.

SimpleBits.io 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.

ExpressCrypto.io is a micro wallet service where we can also make an investment on via their saving or staking feature. The highest plan so far is to stake Tron or TRX and get an annual rate of 6%.

CryptoWin.io 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

Based on the numbers above, UnchartedWealth.com is probably offer one of the lowest interest rate among HYIP. It is still higher than most of the non HYIPs.

Usually I would say that 2%, which we can get from the most HYIP that I have tried above, is a reasonable rate. However, the recent change from CityBuildTrades.com got me reconsider it.

While CityBuildTrade.com is offering plans with higher rate but the lowest one is lower than UnchartedWealth.com. The lowest one is probably where most people will invest on but I’m not sure.

Not long before that even SafetyDepositary.net also started offering just half that 2% rate. Well, both of them have been around probably the longest among these HYIPs. Maybe they got too many users and have to change the plan.

I suspect, maybe the others may follow as well. If that is the case, it is still better than just they become scam completely and we lose our money.

That is the risk of investing, especially with HYIP.

If we still consider the 2% as a reasonable rate, which the program can manage and sustain their finance, then I think we can expect those with lower rate as more secure. It’s not a guarantee but they have lower risk.

Why do we need to invest on multiple platforms with the same or similar rate and why not just go for the higher one?

It is always better to diversify. If we only invest on a single platform, and somehow the platform become scam, we will lose all of the money. There are also many other reasons why a program have to close down aside from just being scam.

By diversifying, we probably only lose part of it. Ideally, we also need to invest on other sectors, not just with similar programs from the same industry.

The point is about reducing the risk. It is still like a gamble as we don’t know what will happen.

Of course, anybody would want to get higher profit. Maybe there are other programs that can deliver that higher rate. The question is how long can they maintain that reward?

Do we want a higher profit but they will be out of business within a month or just lower profit but they can deliver it year after year? I personally choose the latter.

Even some of the programs above have decreased their rate from the initial. I mean, these programs are run by people and they are not just making money out of nowhere.

Most of the time they use the money for trading in forex or cryptocurrency. Then, they share the profit to us as the investors. Obviously, they make more than what they are offering but it doesn’t mean they can just give back everything to the investors.

They still need to pay any business expense and other operational cost. It is possible that they make mistakes and lose money during trading. But with a good financial management, they can still make profit overall.

By offering lower interest rate, they can make some buffer. Also, that will give them more time to cover their lost.

Other programs may offer hourly payment. That will only give extra load and tension for the people behind it which is possibly increasing the risk.

In general, I think the rate from UnchartedWealth.com which is 0.05% should be a safe number. This is assuming that the 2% weekly is still reasonable.

But the rate is rather weird. Mostly because the minimum is just $1. That means each day we will get like $0.0005. The problem is that the smallest unit that they show is still just $0.01.

If they round up, they will have to pay higher and the rate become like 1% which is 20x higher. The owner can lose a lot of money if each user take advantage of it. Instead of investing a single $20 they spend 20 x $1 into several plans.

I suspect that is not the case. Even the calculator says that they will start paying after 10 days which is 0.01 payment. The question is whether they accumulate those smaller amounts or not.

So, I’m not really sure if the $1 minimum works. I haven’t tried it but I recommend just start with $20. That way, the system will have to start paying $0.01 per day.

If we get 0.01% per day, that means, we can immediately withdraw the funds each day. Withdrawing as soon as possible is recommended so that we can be less worry about the program become scam.

However, I think withdrawing once a week is enough. Still, we have the flexibility if we choose to just withdraw daily.

The good thing is that they use Perfect Money as payment processor. They will not charge any additional fee for each withdraw. I don’t know if it may add a burden for the program though.

Regardless, this is already a long term program. The plan will expire after a year. That should give a good estimation for the people who handle the money.

It is also a good thing that they create a limit with the maximum amount. That way, investors will not just suddenly invest random amount any day.

Even though, this one offers lower rate but they can still end up handling too much money. For every $10,000 deposit, they need to make additional $5 the next day.

I used to say that the best practice for this can be found on CityBuildTrade.com. They used to have multiple restrictions like only one plan, only a week, only one active deposit at a time. Sadly, it’s not longer so.

The point is about reducing the risk for the fund manager. The more they can estimate and predict the profit they need to generate should help them sustain their business.

They cannot do that, without any limit. This is also the reason that I’m not convinced with programs that say will pay hourly. It will just put another pressure for the manager.

I also want to point out that there is a chance that this owner only gathers money from the investors and invest those money on other HYIP. If the other can offer 2% weekly, UnchartedWealth.com will still get 1.65% while giving the 0.35% to the investors.

Maybe that is the reason why their Trust Score is very high compared to other programs. It’s not necessarily make them bad but when those bigger programs suddenly stop offering their service, this one will follow shortly.

Nevertheless, UnchartedWealth.com is still one of the HYIP, highly risky program where they can suddenly turn into scam. For whatever reason, maybe the owner doesn’t want to offer their service any longer and they can just run away.

That can happen while we barely reach BEP or even the next day after we make a deposit. We will never know, except when it is already happened and all we can do is let it go.

Which is why, in general, I will not recommend just anyone to invest in here or any HYIP programs. 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 UnchartedWealth.com 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 UnchartedWealth.com 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. Unfortunately, there is no further explanation on UnchartedWealth.com, not even on the homepage which should be the minimum for this kind of program. So, I can’t say for sure how it works.

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 UnchartedWealth.com.


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, typically, I should get like 0.1 – 1% from the deposit amount made by the referral.

Again, unfortunately, UnchartedWealth.com didn’t state it anywhere on their site, not even the referral page. Other programs can offer higher rate with more referrals that we can invite.

Also, we will only get the commission if the referral made a deposit from external source or in this case from Perfect Money. We will not get any commission if they only reinvest their earnings or previous deposit. This is typical for any HYIP.

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.

We can find the link from the ACCOUNT menu. The link will be similar as mine above where we just need to replace the username at the end.

The REFERRAL LINKS page itself only contains code for some promotional banners. They are just templates from the script that we need to modify a bit. Another typical thing for those who use the same script.

Aside from those tools, there is also a dedicated page for our referrals. We can click on YOUR REFERRALS menu to find the total number of referrals that we have and how many of them are active, or making a deposit.

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 UnchartedWealth.com 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 UnchartedWealth.com for a little bit.

Comment and Suggestion

Again, I don’t recommend anybody invest on UnchartedWealth.com or any HYIP. I don’t even know if this one working or not.

If they do provide a link, then it usually means, they do offer a commission. But at the same time, maybe it’s just the template.

However, what makes this one is more convincing than any other similar programs, using the same script is that they provide promotional banners. An actual one with image instead of creating several taglines.

But then, it is not convincing enough. They should have said the commission rate.

Some other websites that invest on this says that the commission rate is about 7%. That is way higher. The highest one that I can find so far is only 1% while most of them only offers 0.5%. That is only if we have certain amount of referrals.

If they do offer 1%, for every $1 the referral deposited, the referrer will get $0.01. That is already the lowest possible amount we can get. Below that, either the referral must deposit higher amount or we should just forget about it.

That is if any referral is willing to make any deposit. Also, since we only get paid if the referral made a deposit from outside, most of the time, it is only a one time payment.

Even if the referrals are still active with their investment, if they only reinvest the previous deposit, we won’t get another payment. For almost 3 years using these kind of programs with more than 10 HYIP, I only got 1 active referral and a few that only sign up with no deposit.

That is just the nature of any affiliate program. Only a small percentage of them will be an active one. It’s better to just promote programs where the referrals will come back and spend more money.

That way we can get multiple payments from a single referral. This is not a program for that.

If we do earn something from this commission, maybe we should just withdraw them immediately. This is the good thing about Perfect Money as the sole payment processor. We don’t have to pay any fee for accepting money.

I have not tried this but I think we do can accept as low as $0.01. If we use several other programs, maybe eventually we can accumulate enough money by earning from those programs to start the investment with UnchartedWealth.com. Not that I would recommend it in general.

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 UnchartedWealth.com, how do they handle payment? How do we make a deposit to start the investment and how do we get paid after that?

Currently, UnchartedWealth.com is supported by only one payment processor and that is Perfect Money. They will send the payment from our account to our Perfect Money account from which we send the deposit from.

We can use this link to create account with Perfect Money. 

Perfect Money supports multiple currencies but UnchartedWealth.com only accepts payment in USD. Other similar programs may offer differently.

It is very typical for this kind of program that we can’t exchange the money across different payment processor. Even though both of them use the same currency, not that there is an alternative for this one.

Back then, CityBuildTrade.com added an exchange feature where we can transfer between Payeer payment into Perfect Money. But that is a rare case because they want to stop using Payeer.

As far as I know, we can’t change the payment account on UnchartedWealth.com.  We probably could but it will involve contacting the admin directly.

Also, we can’t change our email address which will be used to identify our account when contacting them. We will probably also get the reply via email. So, we have to make sure that we can access our Perfect Money account and email or we could be losing an income source.

There is no minimum, other than it has to be at least $0.01. UnchartedWealth.com will not charge anything so we will get the same amount as we requested.

However, if we send the payment to any account, Perfect Money will charge a fee. Depending on whether our account is verified or not, the fee can be different.

If we do not have a verified account, the fee is 1.99%. So, if we want to send a $30 payment for deposit, we probably need an extra $0.59 in our Perfect Money account for the fee.

How to Invest

If this is the first time, the investment can only be done from outside the platform via the Perfect Money payment processor. Make sure we do have enough funds to pay the minimum deposit amount plus the payment fee for the processor.

After we log in to our Cyber-Bank.cc account, we can click on the MAKE DEPOSIT menu from the left navigation widget. The page we see will be similar as the previous picture.

As we can see, there is only one plan. If this is our first time making deposit or if we have no money in our account, then SPEND FUNDS FROM PERFECT MONEY is the only way. We click the circle below that word and we will see a dot filling that circle.

At the bottom there is a field to enter the amount to spend which is by default is set to $1 as the minimum. We can click the SPEND button at the bottom to proceed. This will bring us to a confirmation page as shown by the next picture.

We can still cancel it like if we want to change the amount. The page doesn’t tell us the extra fee that will be taken by the payment processor but we still can cancel later.

To proceed, we just need to click on that PROCESS button. This will bring us to the Perfect Money page as shown by the second picture below.

As we can see, there is the account info for UW, which is U11591511 with 510.8 Trust Score points at this moment.

We can either pay using the money that we have in Perfect Money account balance or use their prepaid card or e-voucher. I will be using the first one for this example as I have no experience using the second one.

We can click the MAKE PAYMENT button at the bottom to proceed. Then, we will see the next page where we have to sign in to the Perfect Money account as shown by the third picture below.

We simply need to enter our Member ID, password and the right turing number, and then the PREVIEW PAYMENT button to proceed. After we sign in, sometimes Perfect Money will ask some confirmation if we use a different IP address when accessing our account.

The confirmation page is next as shown by the fourth picture below. In this case, we need to access our email account that we used to sign up with Perfect Money to copy the PIN CODE.

The PIN CODE usually has 7 digits that we need to enter on that confirmation page. We can then click on CONTINUE to proceed with the payment preview as shown by the fifth picture below.

We can see that Perfect Money will charge an extra fee of 1.99% because I’m not a verified member. The fee will be lower for verified one. With that fee, the minimum amount of money that we need to have probably will be $1.02, for investing the minimum in UnchartedWealth.com.

Up to this point, we can still cancel the payment without losing any money. However, once we have clicked the CONFIRM PAYMENT button, as the page suggests, it is a non reversal one.

Once we have clicked the confirm button, the next page we will see is the payment ID as shown by the next picture. At this point, we can no longer undo the payment.

We can click on the CONTINUE button at the bottom to return to UnchartedWealth.com as shown by the second picture below. The page will say that they have received our deposit.

We can check the YOUR DEPOSITS menu from the left navigation widget as shown by the third picture below. There, we can see how many days left before the investment expire and we will get the principal back.

That is it with how to start the investment in UnchartedWealth.com. We will see our first payment in our account, I guess, in 24 hours after they received the deposit.

More about withdrawing later.

How to Withdraw

We first need to access the withdraw page by clicking on WITHDRAW from the left navigation widget on UnchartedWealth.com. The next picture displays that page.

On that page, we just need to enter the amount we want to withdraw and click on the REQUEST button at the bottom. Then, the next page we see is a confirmation page as displayed by the next picture.

If we are sure, we can click on the CONFIRM button to have it processed. After that, the page will say WITHDRAWAL PROCESSED along with the Batch ID as shown by the third picture below.

This means, that the payment was processed instantly after the request. We can check whether we actually get paid or not on our Perfect Money account as shown by the fourth picture below.

It shows the payment report. They will send it from the same PM account, U11591511 (UW) as the one we made a deposit to.

Via email, they will send both the request and payment notification from noreply@unchartedwealth.com. It is possible that these emails will end up in our Spam Folder. Do check them.

That is it with how to withdraw the money from UnchartedWealth.com.

It is possible that the owner can change the process from instant payment to a manual one. Nowhere on their page they stated how long it will take if it comes to that.

My Withdraw

Here are the reports for every withdraw that I have requested and the time I got paid from UnchartedWealth.com. So far, the payments were done instantly right after we send the request. If anything change in the future request. I will add notes for that request.

1st payment. Paid at 10:43, 2 October 2021 (GMT+7), instantly. Status paying with 0.25% ROI.

2nd payment. Paid at 10:41, 9 October 2021 (GMT+7), instantly. Status paying with 0.6% ROI.

3rd payment. Paid at 10:46, 16 October 2021 (GMT+7), instantly. Status paying with 0.95% ROI.

4th payment. Paid at 10:13, 23 October 2021 (GMT+7), instantly. Status paying with 1.3% ROI.

5th payment. Paid at 10:14, 30 October 2021 (GMT+7), instantly. Status paying with 1.65% ROI.

6th payment. Paid at 10:11, 6 November 2021 (GMT+7), instantly. Status paying with 2.00% ROI.

7th payment. Paid at 10:36, 13 November 2021 (GMT+7), instantly. Status paying with 2.35% ROI.

8th payment. Paid at 10:15, 20 November 2021 (GMT+7), instantly. Status paying with 2.7% ROI.

9th payment. Paid at 10:14, 27 November 2021 (GMT+7), instantly. Status paying with 3.05% ROI.

10th payment. Paid at 10:39, 4 December 2021 (GMT+7), instantly. Status paying with 3.4% ROI.

11th payment. Paid at 10:13, 11 December 2021 (GMT+7), instantly. Status paying with 3.75% ROI.

12th payment. Paid at 10:45, 18 December 2021 (GMT+7), instantly. Status paying with 4.1% ROI.

13th payment. Paid at 10:17, 25 December 2021 (GMT+7), instantly. Status paying with 4.45% ROI.

14th payment. Paid at 9:52, 1 January 2022 (GMT+7), instantly. Status paying with 4.8% ROI.

15th payment. Paid at 10:12, 8 January 2022 (GMT+7), instantly. Status paying with 5.15% ROI.

16th payment. Paid at 10:10, 15 January 2022 (GMT+7), instantly. Status paying with 5.5% ROI.

17th payment. Paid at 10:15, 22 January 2022 (GMT+7), instantly. Status paying with 5.85% ROI.

18th payment. Paid at 10:13, 29 January 2022 (GMT+7), instantly. Status paying with 6.2% ROI.

19th payment. Paid at 10:02, 5 February 2022 (GMT+7), instantly. Status paying with 6.55% ROI.

20th payment. Paid at 10:06, 12 February 2022 (GMT+7), instantly. Status paying with 6.9% ROI.

21st payment. Paid at 10:11, 19 February 2022 (GMT+7), instantly. Status paying with 7.25% ROI.

22nd payment. Paid at 10:19, 26 February 2022 (GMT+7), instantly. Status paying with 7.6% ROI.

23rd payment. Paid at 10:20, 5 March 2022 (GMT+7), instantly. Status paying with 7.95% ROI.

24th payment. Paid at 10:14, 12 March 2022 (GMT+7), instantly. Status paying with 8.3% ROI.

25th payment. Paid at 10:22, 19 March 2022 (GMT+7), instantly. Status paying with 8.65% ROI.

26th payment. Paid at 10:29, 26 March 2022 (GMT+7), instantly. Status paying with 9% ROI.

27th payment. Paid at 10:23, 2 April 2022 (GMT+7), instantly. Status paying with 9.35% ROI.

28th payment. Paid at 10:03, 9 April 2022 (GMT+7), instantly. Status paying with 9.7% ROI.

29th payment. Paid at 10:10, 16 April 2022 (GMT+7), instantly. Status paying with 10.05% ROI.

30th payment. Paid at 10:16, 23 April 2022 (GMT+7), instantly. Status paying with 10.4% ROI.

31st payment. Paid at 10:12, 30 April 2022 (GMT+7), instantly. Status paying with 10.75% ROI.

32nd payment. Paid at 10:51, 7 May 2022 (GMT+7), instantly. Status paying with 11.1% ROI.

33rd payment. Paid at 10:19, 14 May 2022 (GMT+7), instantly. Status paying with 11.45% ROI.

34th payment. Paid at 10:09, 21 May 2022 (GMT+7), instantly. Status paying with 11.8% ROI.

35th payment. Paid at 10:52, 28 May 2022 (GMT+7), instantly. Status paying with 12.15% ROI.

36th payment. Paid at 10:05, 4 June 2022 (GMT+7), instantly. Status paying with 12.5% ROI.

37th payment. Paid at 10:15, 11 June 2022 (GMT+7), instantly. Status paying with 12.85% ROI.

38th payment. Paid at 10:11, 18 June 2022 (GMT+7), instantly. Status paying with 13.2% ROI.

39th payment. Paid at 10:19, 25 June 2022 (GMT+7), instantly. Status paying with 13.55% ROI.

40th payment. Paid at 10:20, 2 July 2022 (GMT+7), instantly. Status paying with 13.9% ROI.

41st payment. Paid at 10:31, 9 July 2022 (GMT+7), instantly. Status paying with 14.25% ROI.

42nd payment. Paid at 05:58, 17 July 2022 (GMT+7), which was about 19 hours since the request. Status paying with 14.6% ROI.

43rd payment. Paid at 10:16, 23 July 2022 (GMT+7), instantly. Status paying with 14.95% ROI.

44th payment. Paid at 10:21, 30 July 2022 (GMT+7), instantly. Status paying with 15.3% ROI.

45th payment. Paid at 10:13, 6 August 2022 (GMT+7), instantly. Status paying with 15.65% ROI.

46th payment. Paid at 10:31, 13 August 2022 (GMT+7), instantly. Status paying with 16% ROI.

47th payment. Paid at 10:37, 20 August 2022 (GMT+7), instantly. Status paying with 16.35% ROI.

48th payment. Paid at 10:31, 27 August 2022 (GMT+7), instantly. Status paying with 16.7% ROI.

49th payment. Paid at 10:29, 3 September 2022 (GMT+7), instantly. Status paying with 17.05% ROI.

50th payment. Paid at 10:21, 10 September 2022 (GMT+7), instantly. Status paying with 17.4% ROI.

51st payment. Paid at 10:00, 17 September 2022 (GMT+7), instantly. Status paying with 17.75% ROI.

52nd payment. Paid at 10:36, 24 September 2022 (GMT+7), instantly. Status paying with 18.1% ROI.

This is the last payment of the plan. Already reinvested to start a new plan.

1st payment of the new plan. Paid at 10:25, 1 October 2022 (GMT+7), instantly. Status paying with 18.45% ROI.

2nd payment. Paid at 10:05, 8 October 2022 (GMT+7), instantly. Status paying with 18.8% ROI.

3rd payment. Paid at 10:43, 15 October 2022 (GMT+7), instantly. Status paying with 19.15% ROI.

4th payment. Paid at 11:00, 22 October 2022 (GMT+7), instantly. Status paying with 19.5% ROI.

5th payment. Paid at 10:32, 29 October 2022 (GMT+7), instantly. Status paying with 19.85% ROI.

6th payment. Paid at 10:53, 5 November 2022 (GMT+7), instantly. Status paying with 20.2% ROI.

7th payment. Paid at 11:04, 12 November 2022 (GMT+7), instantly. Status paying with 20.55% ROI.

8th payment. Paid at 18:26, 19 November 2022 (GMT+7), instantly. Status paying with 20.9% ROI.

9th payment. Paid at 11:24, 26 November 2022 (GMT+7), instantly. Status paying with 21.25% ROI.

10th payment. Paid at 17:30, 8 December 2022 (GMT+7), which was 4 days since the request. This happened when PM, the payment processor was in maintenance mode so they couldn’t send the money instantly. After that, I did send a message to the support asking them to process it. Status paying with 21.6% ROI.

11th payment. Paid at 12:03, 10 December 2022 (GMT+7), instantly. Status paying with 21.95% ROI.

12th payment. Paid at 11:25, 17 December 2022 (GMT+7), instantly. Status paying with 22.3% ROI.

The current investment should end after a year or 52 weekly payments. I will update this section weekly after I got the payment.

Comment and Suggestion

There is actually not much to say further here because there is no optional payment method. I will be just repeating myself then. Always try to withdraw as soon as possible. Perfect Money allow us not to pay the fee from multiple receiving.

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 of 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. As for the UnchartedWealth.com, they are not the only one to process the payment instantly. Only a few of HYIP that I tried are instant payment.

Even sometimes the instant payment doesn’t work. As I said before, be prepared to wait when they choose to process it manually. Like other programs it can take more than a week from the request.

That s 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 programs, 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.

Manual payment can be both good and bad. They will have time and better estimation of how much money they need to generate.

Since Perfect Money is a third party program, there will be times when we won’t be able to access it. They get attacked a lot by hackers and when that happens, we might have to wait longer.

Ideally, it is better if they have other payment options. So far, both the HYIP and the payment method can prove that they can deliver their service for a long time. 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 people who collect some free cryptocurrency and they want to invest in any program that only accept Perfect Money, we can trade those coins via Crex24.com to Perfect Money balance.

Read more from my Crex24.com Review.

Alternatively, we can try to earn free money from PTCShare.com 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 PTCShare.com 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 UnchartedWealth.com 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 UnchartedWealth.com.

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

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.

All HYIP Monitors .com – unchartedwealth.com

Invest-Tracing.com – unchartedwealth.com

wikihyip.com – unchartedwealth.com

dreamteammoney.com – Unchartedwealth.com

hyipexplorer.com – unchartedwealth.com

hyips-analysis.net – UnchartedWealth.com

HYIP Monitor GoldPoll – UnchartedWealth.com

HYIP.biz – Uncharted Wealth


UnchartedWealth.com is another HYIP with Gold Coders standard script that has been around since 2017. They are only offering one plan at this time, with 0.05% daily for 365 days.

That rate is way lower than most programs that I have tried which is usually 2% weekly or about 0.285% daily. In a way this should be safer but at the same time, this one may just gather the money to invest on those other HYIP.

As investors we only get a small portion of it. The risk is when the bigger one shut down their business, this one will come along right after.

UnchartedWealth.com says that the deposit amount should be between $1 up to $1,000 per deposit. We can deposit more as separate investment.

The problem is that with the rate so low, if we invest the minimum, we will not get anything and they have to round it up. Their calculator suggests that they still accumulate the profit but the system will only show some amount when it reach like $0.01.

The payment is based on calendar days so we will get 365 payments before the plan expire. With that rate, even until the end of investment, the profit will not reach BEP.

So, while they have been around like almost 5 years, we need more than 5 years to reach the BEP just from the profit.

For the payment, they are only supported by Perfect Money, like other similar programs and there is no signs that they will accept cryptocurrencies. With this payment processor, we can get multiple withdraws without paying any fee.

So far, the payment that I got were processed instantly right after the request. Based on my experience with similar programs, there is still a chance that they may switch to manual process.

It seems that they also offer referral commission. However, they didn’t say anywhere on their site regarding the commission rate. So, it can be just a template from the script but at the same time, this is the only one that provides promotional banners.

Even if they do offer, I’m really not sure that they will give much. It is still just one time for the most part.

In general, I don’t recommend anybody to invest in UnchartedWealth.com or any HYIP program. 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 UnchartedWealth.com and start the investment. Just make sure we have enough funds in our Perfect Money account balance in USD, for the minimum deposit amount and the transaction fees.

Other Investment Programs

Last Update: January 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.

7-Lion.com(HYIP, 4% Bi-Weekly Profit, USD)
Billion-Stars.com (HYIP, 2% Weekly Profit, USD)
(HYIP, 2% Monthly Profit, USD)
Crypto7.com (HYIP, 0.3% daily profit, USD)
Cyber-9.com (HYIP, 4% Bi-weekly profit, USD)
Cyber-Bank.cc (HYIP, 2% weekly profit, USD)
DollarBill.biz (HYIP, 2.1% Weekly Profit, USD)
Fine-China.biz (HYIP, 2% Weekly Profit, USD)
Funds-Broker.com (HYIP, 2.1% Weekly Profit, USD)
SafetyDepositary.net (HYIP, 1% Weekly Profit, USD)
Seven-Stream.com (HYIP, 2.05% Weekly Profit, USD)
SolidTradeBank.com (HYIP, 2% Weekly Profit, USD)
TopTradeCapital.com (HYIP, 1% Weekly Profit, USD)
White-Wolf.biz (HYIP, 2.1% Weekly Profit, USD)

FreeBitco.in (Cryptocurrency Faucet and Investment, 0.01% Daily Profit, Bitcoin)
Cointiply.com (Cryptocurrency Faucet and Investment, 0.014% Daily Profit, Bitcoin)
Free-Litecoin.com and group (Cryptocurrency Faucet and Investment, 0.02% Daily Profit, Multi Coins)
StakeCube.net (Cryptocurrency Staking and Investment, 0.02% Daily Profit, Multi Coins)
ExpressCrypto.io (Cryptocurrency Staking and Investment, about 1.64% Daily Profit, Multi Coins)
SimpleBits.io (Cryptocurrency Staking and Investment, about 1.64% Daily Profit, Multi Coins)
CryptoWin.io (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 program 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 pays 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 UnchartedWealth.com. 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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