Dear friends and readers, I really appreciate the kind of attention and love you have given to me during the second phase of my blog. I have started getting active referrals and also started getting email asking questions about HYI Programs. I really love to reply to your emails and I wish to receive more and more emails with your queries. Every time I receive an email from you, I feel connected to my readers. So keep sending me emails and I will reply to you within the shortest time possible.
The last week was not especially good as Sweetfy.net and Wallet-Plus.com stopped paying to the investors. I expected Sweetfy to run for a bit longer time but sadly that did not happen. Even another program of my list Oligarchs.cc seems to have stopped paying or selectively paying. I have requested one daily earning and one referral commission yesterday which is still pending. So new investment is not recommended in Oligarchs.
Dear readers, please understand, this is the nature of HYIP market. It's liquid and volatile in nature. But still some programs come up (rarely though) with a long term goal. We all try to find such programs to have a safe and secure investment for our hard earned money. All program admins tell that they are here to stay for a long long time but the ground reality is totally different. While most of the programs close down within a week, few others run for around two-three weeks. So only the early birds can get some profit out of them while most others can't. So it is suggested to use your own intuition and brain before you choose any program for investment. Also never invest more than your capability which you can't afford to loose. Anyway, enough gyaan for today!
Today I am going to introduce a new program to you all which is running since August 2015 and growing like a mammoth. I had a long chat over skype as well as over phone calls with the program representative yesterday before adding this program to my blog. The name of the program is "Coins-Pay Holdings" and it claims to be a registered company in Romania. The address mentioned in the website is "Vasile Lascar Street, Sector 020492, Bucharest, Romania". Since Romania doesn't have any centralized company directory, I was not able to verify this claim. However, this program is definitely different than other usual HYI Programs running in the market nowadays. They also have two very different and unique investment portfolios available for the general investors.
So lets take a close look at their business plans. Since the plans are really different, my regular tabular format won't help here. So I will use a scenario based explanation which will help you to understand the plans better. First read the rules which are applicable for both the plans.
So from the $50 investment, your total return in a month will be $12.55. Now at this moment another rule of upgrading your membership comes in to picture. Rule says, you need to pay $9.99 after every 30 days to keep your account active. Also you will receive $10 in your initial investment amount on which the next interest payment will be calculated. So after one month, your effective return will be $2.56 and your principal amount will be valued at $66.26.
I have created a simple excel based calculator which will help you to understand the entire process.
Download the excel file from the below link:
Google Drive Link
I have used the minimum rate of interest for calculation purpose in this calculator. But in reality, you may get anything between 6% to 20% weekly return. While writing this review, I have got my first interest payment at 12%. So this calculator will just help you to understand their business model in a better way and nothing else.
One thing I must mention here, the returns and the overall business plan of upgrading your account monthly is a really viable strategy to sustain for a long time. There are many programs available in the market who offers more than 150% return on your investment within few hours. But they are basically fast scammers. So I think that lower but regular flow of interest is better than higher but uncertain returns.
The program offers a top-notch 4 tier referral program. But you need to have an active deposit with them to earn from their affiliate program. The Director Account holder will earn extra 1% weekly profit over their Affiliate Coins.
1st Level:
5 % Commission while your affiliate will Purchase (Active) Coins Pay account
5% Commission while your affiliate Purchase Coins Balance
2 USD Commission while your affiliate upgrade membership
2nd Level:
2 % Commission while your affiliate will Purchase (Active) Coins Pay account
2% Commission while your affiliate Purchase Coins Balance
1 USD Commission while your affiliate upgrade membership
3rd Level:
0.5 % Commission while your affiliate will Purchase (Active) Coins Pay account
0.5% Commission while your affiliate Purchase Coins Balance
0.5USD Commission while your affiliate upgrade membership
4th Level:
0.5 % Commission while your affiliate will Purchase (Active) Coins Pay account
0.5% Commission while your affiliate Purchase Coins Balance
0.5 USD Commission while your affiliate upgrade membership
Overall, Coins-Pay seems like a decent investment destination to me. The website is running on a customer made script which shows the seriousness of the program admin. The domain is registered for 3 years and will expire in 2018. Even tough these parameters doesn't matter for the fast scammer, but I have a good feeling about this program. But please don't take my words as a deciding factor to invest in this program, instead use your own intuition.
While having a long chat with a representative of this program over skype and phone calls, he was mentioning that they don't think themselves as a HYI Program. They were emphasizing that, they are a registered company in Romania and they have two types of business there. One is Mutual Fund and another one is Real Estate. Since I couldn't not verify this, I will request my readers to verify it on my behalf. If you are from Romania and you are willing to visit them, please let me know and I will arrange an appointment for you. It will help my reader to take the right decision about their investment. Until then, Adios!
Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.
The last week was not especially good as Sweetfy.net and Wallet-Plus.com stopped paying to the investors. I expected Sweetfy to run for a bit longer time but sadly that did not happen. Even another program of my list Oligarchs.cc seems to have stopped paying or selectively paying. I have requested one daily earning and one referral commission yesterday which is still pending. So new investment is not recommended in Oligarchs.
Dear readers, please understand, this is the nature of HYIP market. It's liquid and volatile in nature. But still some programs come up (rarely though) with a long term goal. We all try to find such programs to have a safe and secure investment for our hard earned money. All program admins tell that they are here to stay for a long long time but the ground reality is totally different. While most of the programs close down within a week, few others run for around two-three weeks. So only the early birds can get some profit out of them while most others can't. So it is suggested to use your own intuition and brain before you choose any program for investment. Also never invest more than your capability which you can't afford to loose. Anyway, enough gyaan for today!
Today I am going to introduce a new program to you all which is running since August 2015 and growing like a mammoth. I had a long chat over skype as well as over phone calls with the program representative yesterday before adding this program to my blog. The name of the program is "Coins-Pay Holdings" and it claims to be a registered company in Romania. The address mentioned in the website is "Vasile Lascar Street, Sector 020492, Bucharest, Romania". Since Romania doesn't have any centralized company directory, I was not able to verify this claim. However, this program is definitely different than other usual HYI Programs running in the market nowadays. They also have two very different and unique investment portfolios available for the general investors.
So lets take a close look at their business plans. Since the plans are really different, my regular tabular format won't help here. So I will use a scenario based explanation which will help you to understand the plans better. First read the rules which are applicable for both the plans.
- $1 = 1 coin
- Weekly profit: Minimum 6% and Maximum 20%
- Weekly profit will be credited to your coins balance every Saturday
- 3% of your existing coin balance will be added as revenue every week
- Membership is free for one month
- From 2nd month on wards, cost of membership is $9.99 and you will receive 10 coins which will be added to your existing coin balance.
If you are having difficulty to understand the investment plans and if you are unsure about the return, read the below scenario. But before that, let me tell you that there is no maturity period offered by the company. Once you make a deposit, it will be for the program's lifetime. Emergency withdrawal of the principal amount is not possible.
Lets assume, you have invested $50 on Monday which is also the 1st day of the month. Now you need to wait till Saturday (6th day) to get the first profit which ranges from 6% to 20%. Lets assume you got 6% profit on Saturday which comes to $3 and you can withdraw it immediately. Along with the 6% return, you will also receive 3% of your existing coin balance. So on Saturday, you will receive 1.5 coins and your principal amount will be valued at $51.5.
Now you need to wait for the next Saturday to get your second interest payout. But this time your interest will be calculated on $51.5 instead of just $50. So on second Saturday (13th day), your interest payout will be $3.09. Also you will receive another 3% of your existing coins which comes to $1.54. SO after the second Saturday, you principal investment amount will be $53.04.
Now lets move to the third week. On the third Saturday (20th day), if you get minimum interest payout, then you immediate payout amount will be $3.18 and along with that, you will also receive $1.59 in your principal amount. So on the third week, your initial investment will be valued at $54.63.
On the fourth Saturday (27th day), you will receive at least $3.28 from your investment and as per the 3% revenue return, your investment will be valued at $56.26.
So from the $50 investment, your total return in a month will be $12.55. Now at this moment another rule of upgrading your membership comes in to picture. Rule says, you need to pay $9.99 after every 30 days to keep your account active. Also you will receive $10 in your initial investment amount on which the next interest payment will be calculated. So after one month, your effective return will be $2.56 and your principal amount will be valued at $66.26.
I have created a simple excel based calculator which will help you to understand the entire process.
Download the excel file from the below link:
Google Drive Link
I have used the minimum rate of interest for calculation purpose in this calculator. But in reality, you may get anything between 6% to 20% weekly return. While writing this review, I have got my first interest payment at 12%. So this calculator will just help you to understand their business model in a better way and nothing else.
One thing I must mention here, the returns and the overall business plan of upgrading your account monthly is a really viable strategy to sustain for a long time. There are many programs available in the market who offers more than 150% return on your investment within few hours. But they are basically fast scammers. So I think that lower but regular flow of interest is better than higher but uncertain returns.
The program offers a top-notch 4 tier referral program. But you need to have an active deposit with them to earn from their affiliate program. The Director Account holder will earn extra 1% weekly profit over their Affiliate Coins.
1st Level:
5 % Commission while your affiliate will Purchase (Active) Coins Pay account
5% Commission while your affiliate Purchase Coins Balance
2 USD Commission while your affiliate upgrade membership
2nd Level:
2 % Commission while your affiliate will Purchase (Active) Coins Pay account
2% Commission while your affiliate Purchase Coins Balance
1 USD Commission while your affiliate upgrade membership
3rd Level:
0.5 % Commission while your affiliate will Purchase (Active) Coins Pay account
0.5% Commission while your affiliate Purchase Coins Balance
0.5USD Commission while your affiliate upgrade membership
4th Level:
0.5 % Commission while your affiliate will Purchase (Active) Coins Pay account
0.5% Commission while your affiliate Purchase Coins Balance
0.5 USD Commission while your affiliate upgrade membership
Overall, Coins-Pay seems like a decent investment destination to me. The website is running on a customer made script which shows the seriousness of the program admin. The domain is registered for 3 years and will expire in 2018. Even tough these parameters doesn't matter for the fast scammer, but I have a good feeling about this program. But please don't take my words as a deciding factor to invest in this program, instead use your own intuition.
While having a long chat with a representative of this program over skype and phone calls, he was mentioning that they don't think themselves as a HYI Program. They were emphasizing that, they are a registered company in Romania and they have two types of business there. One is Mutual Fund and another one is Real Estate. Since I couldn't not verify this, I will request my readers to verify it on my behalf. If you are from Romania and you are willing to visit them, please let me know and I will arrange an appointment for you. It will help my reader to take the right decision about their investment. Until then, Adios!
Disclaimer : The reviews and all the payment proofs is just my opinion and experiences with the actual website, I do not endorse any program i posted here,Please understand the risk and invest at your own risk.
