Sunday, April 2, 2017

Is Motor Club of America a total scam?

These guys have been around forever, and I’ll just say it now: it’s definitely not a scam.

But is it a good deal? Well, do you consider paying double the price for your services a good deal?

Of course, what you’re really paying for with that 100% jump in price is the right to push the overpriced product to all your friends and family. Does this mean I’ve been involved?

This video explains everything:

Make sense? Either way, here’s the full review on Motor Club of America, the company.


The Motor Club of America’s history dates wayyy back to 1926 – they’ve practically been around as long as cars have.

The club was started by a group of three brothers from Atlantic City, New Jersey, who were children of Russian immigrants. William, Samuel, and David Green started Motor Club of America at just the right time, when households all across America were starting to purchase cars. Their company took off and eventually branched out to the rest of the country, opening dozens of offices across the northeast, southeast, and Midwest.

The brothers worked together for over 50 years providing emergency roadside services, towing, repairs, and maps for drivers all over the country. In 1986, they sold the entire company to Trac, Inc., owners of the Thrifty-Rent-A-Car system. By 1992, they were conducting business in all 50 states and Canada.

TVC Marketing, founded by a veteran of the motor club industry (and, weirdly enough, former marketing arm of Pre-Paid Legal), now owns Motor Club of America and has since 1996. The founder Coffee Virgil, weirdly enough, used to be the marketing arm of Pre-Paid Legal. TVC stands for ‘Truckers Voice in Court’, and they also offer legal services to truckers.

Motor Club of America now has over 6,000 auto repair and service centers nationwide

How much does Motor Club of America cost?
In order to join, you must purchase a Total Security membership for $19.95/month.


Motor Club of America does NOT sell car insurance. They sell various other roadside services. MCA is basically AAA with a direct selling structure (and higher prices).

They offer three membership plans: Security ($9.95/month), Security Plus ($14.95/month), and Total Security ($19.95/month).  In the end, you’re shelling out around $120, $180, or $240 a year for these memberships.

Without a doubt, these are useful services in the membership. However, it’s not that different from AAA, which costs HALF the price (about $66/year for a basic membership, $100 for Plus, and $126 for Premiere).

All memberships include…

Unlimited Roadside Assistance

Most competitors cap service calls on their basic plan to 2-4 per year. MCA allows one call per day all year long. Roadside assistance services include lockout assistance, fuel delivery, tire changing, and battery boosting.

Travel Assistance Reimbursement

If your vehicle is not operating or in the repair shop for a few days, MCA will reimburse you up to $500 for a rental car, hotel, or meals if you are more than 50 miles from home.

Planning and Travel Reservations

This is a system that helps you map out and plan your travels, and it includes a reservation system for air travel, rental cars, and hotels.

Arrest Bonds

MCA membership includes a cash bail of up to $500 for traffic violation incidents. This is only available in some states.

Bail Bonds

MCA will release up to $25,000 on bond to release you from jail if you were charged with a moving traffic law violation as the driver.

Attorney Fees

As long as you are driving your covered auto, MCA will pay up to $2,000 in attorney fees should you receive traffic-based police charges.

Stolen Vehicle Reward

In the event that your vehicle is stolen, MCA will offer a reward of up to $5,000 to the person or law enforcement agency that recovers the car.

Credit Card Protection

Financial coverage of up to $1,000 in losses in the case that your identity is stolen.


Members can use their card for 15%-65% discounts on prescriptions, dental procedures, eye wear and eye exams, rental cars, and major hotel chains.

Emergency Reimbursement Benefits

Up to $500 in cash for Emergency Room or Trauma Center treatment due to car-related injuries.

Daily Hospital Benefit

If you are hospitalized due to a vehicle-related accident that is covered, you can receive up to $150 per day to cover your hospital stay for up to 365 consecutive days or $54,750.

Accidental Death Benefit

They offer $10,000 accidental death coverage to members.

The Security Plus membership offers accident coverage, hospital benefits, and emergency benefits under all circumstances, not just vehicle-related. The Total Security membership includes all of the above plus higher coverage levels, up to 100 miles towing per service call, customer can choose towing destination, and RVs, motorcycles, and trailers are included.

Total Security members can take part in their referral program, whereas regular Security members cannot.


Distributors are given an advance on their commission for membership sales – the entire year’s worth is given to you up front. However, if one of your customers cancels their membership, you have to pay that back.

For each basic Security membership you sell, you get a $40 advance for the entire year. For Security Plus, you get $60, and for Total Security, you get $80.

If, for example, you can sell 5 Security Plus memberships per week, you would make $21,320 for the year. That’s not an easy feat, though. Better have a lot of friends and family members you’re willing to alienate.

Distributors also earn overrides on their 1st Level (direct) recruits. If someone you personally sponsored sells the basic Security membership, you get $4. If they sell Security Plus, you get $5. If they sell Total Security, you get $6.


These guys have been around forever, it’s definitely not a scam.

But is it a good deal? Well, do you consider paying double for the same services a good deal?

Ultimately, AAA is half the price, so the only reasons for buying into this are

  • You’re clueless and haven’t shopped around or
  • You’re trying to cash in on the affiliate program

If you’re trying to cash in on the affiliate program, you should think long and hard about laying down $240/year, because if the only people who would purchase a membership are clueless people who have done NO shopping around, you’re probably not going to find enough customers to keep your “business” afloat.

But if it’s financial freedom you seek and you like automated ways to build passive income, there are better ways.

(and you can trash those old MLM habits, too)


Saturday, April 1, 2017

The epic rise and fall of MonaVie

If Britney Spears were an MLM instead of a washed up mega-pop-star, she’d be MonaVie.

Think Britney cerca 2001, back when her posters graced the bedroom walls of every teenager in America and she was pulling multi-million dollar contracts for a 30 second spot with Pepsi. MonaVie was pretty close to being on that level within a couple years of launch…

But by 2014 they were more like bald Britney breaking car windows with her umbrella. At least Britney’s got a Vegas show nowadays…MonaVie has nothing left but a pretty crazy story to tell.

Was I ever a part of it?

This video explains everything:

Make sense? Either way, here’s the full review on MonaVie.


MonaVie was a nutrition MLM founded in 2005 in Salt Lake City, Utah. Shocking, right?

Founder Dallin Larsen had already built up a pretty boss career in MLM before launching MonaVie. Dude was a senior-level executive at both Dynamic Essentials and USANA.

MonaVie became one of the biggest, trendiest names in nutrition almost instantly. They hit the $1 billion mark in annual sales, and there are only a few MLMs in the WORLD that have done that. Pretty incredible.

This company took off running FAST. But after a while, they weren’t running to huge sales numbers anymore…they were running from the law.

By 2008, only 3 years after launch, they were already facing a lawsuit from Imagenetix – a $2.75 BILLION lawsuit, to be exact – over trademark infringement. The case was settled outside of court, and Larsen probably toasted to that multiple times because a lawsuit like that could have shut them down instantly. [1]

That same year they butt heads with Amway on multiple occasions. A big scandal broke out when they saw that Orrin Woodward, a former top distributor for Amway, had teamed up with MonaVie, taking a $3 million loan from them to help him get his MLM TEAM (which I review here) off the ground. Copyright claims re: Amway’s compensation plan and recruitment practices abound. [2]

A 3-year-old MLM going up against Amway is like the Karate Kid trying to take down the Roman Empire. They should have known it wouldn’t work out.

But just one year later they got hit with another lawsuit from one of the biggest names in business: Oprah Winfrey. Oprah and Dr. Oz filed a suit against 40 different companies using acai berry in their products that had falsely claimed their products were backed by Dr. Oz and herself. She even called MonaVie out by name on her website. [3]

Unfortunately for Larsen, this was only the beginning of the lawsuits. But MonaVie wasn’t always on the receiving end.

In 2010 they filed a lawsuit against the trendy nutritional beverage MLM Zrii claiming that they copied MonaVie’s compensation plan. (PLEASE, pretty much every compensation plan nowadays is a copy of another one). [4]

Also in 2010, the circuit court of Miller County, Arkansas filed a class action lawsuit against MonaVie for false and misleading advertising as well as engaging in civil conspiracy. [5] The U.S. District Court of New Jersey filed a similar class action lawsuit in 2013 claiming violations to the New Jersey Consumer Fraud Act. Florida filed yet another in 2014. [6]

Then, in 2014, a company named K2A filed a multi-million dollar suit against MonaVie for patent infringement and unpaid royalties. [7]

The list goes on and on and on…and on…and on.

TL;DR? MonaVie’s entire existence consisted of legal battles over false advertising, inflated pricing, false health claims, copyright infringement, patent infringement, illegal recruiting practices, and then some.

But wait, there’s more!

After years of exhausting and futile battles, it was announced in May 2014 that MonaVie had defaulted on a $182 million note securing assets of the company that had been issued in 2010.  [8]

On top of that, their employee stock program lost nearly all of its value, forcing the company to pay out a $19 million settlement on employee lawsuits in 2016. [9]

The company’s remaining assets were transferred to Jeunesse. MonaVie, which had not long ago been worth over a billion, was forclosed for a mere $15 million. [10]

Oh, how the mighty have fallen.

How much does MonaVie cost?
A startup kit at MonaVie costs $249.


MonaVie sold a variety of nutritional bottled fruit juices. Like any good nutrition MLM, they also sold energy drinks, supplements, and weight loss products.

Their main gimmick was antioxidants, specifically from the acai berry. However, an analysis done by independent laboratory ChromaDex showed that the juices contained very low levels of antioxidants and vitamin C.

What’s more, a clinical study found that drinking MonaVie throughout pregnancy increased risks of complications, including cardiac problems and dysfunction at birth.


They did offer a 50% commission on personal sales, which is pretty damn good. But reps still couldn’t make good money.
Despite their rapid rise to fame and 10-figure annual sales numbers, apparently only 14% of MonaVie distributors made a prof
it. Any profit it all.

An astounding 86% of distributors didn’t even make enough money to pay off the cost of joining.


MonaVie’s rise to fame and subsequent crash and burn look pretty spectacular on paper.

It was pretty insane, but really, it’s just the arch of 99% of MLMs exaggerated a little. Most don’t ever make it near $1 billion in sales, but most are designed to fail so that the owners can cash out and move onto the next one.

As you can see, even with sales numbers that shot up faster than a rocket launcher, 99.9% of distributors didn’t get a piece of the pie…or even a bite.

If it’s financial freedom you seek and you like automated ways to build passive income, there are better ways.

(and you can trash those old MLM habits, too)


Friday, March 31, 2017

Why most MWR Life reps are completely broke

It’s hard to decide which MLM products are the shadiest…it might be financial coaching, but “tech” products and legal services are a close second, and let’s not forget travel and shopping discount memberships.

Well, MWR Life wraps them all up into one MLM-tastic package with a big, bright red sticker on top that says “sue us!”. Too harsh?

Company actually has done a few things right, despite major issues. Have I been involved?

This video explains everything:

Make sense? Either way, here’s the full review on MWR Life.


MWR stands for My Warranty Rewards, and the company is headquartered in Aventura, Florida.

They were founded by Jay Tuerk and Yoni Ashurov in 2014, and they’re currently operating only in the U.S. and Canada with Ashurov as their COE.

This company is pretty new, and they haven’t generated a ton of buzz yet (though there’s definitely some). This is another MLM that teaches distributors to target their “warm market” – family and friends. The warm market approach is also known as the lose all your friends, alienate all your family members, and get blocked on every social media channel approach. Works every time.

How much does MWR Life cost?

There are three different starter packages ranging from $99-$499. This MLM doesn’t have any actual products, so you’re not getting a giant box of miracle pills and eye cream if you buy the more expensive packages. All you’re getting is access to more aspects of the compensation plan.

  • Silver ($99): This is the basic package, and with it you’re partially eligible for the compensation plan, including customer bonuses, expansion bonuses, customer residuals, and team residuals.
  • Gold ($299): This is the builder package, and benefits include access to the full compensation plan, a founder position (lol @ paying $299 to be called a “founder”), “gold status” on your website, and eligibility for a $500 monthly 3×3 guarantee.
  • Platinum ($499): This is the success package, and it includes full eligibility for the compensation plan and everything else in the Gold package. In addition, you get a manager position, a qualified founder position, an MWR Academy certification, a 10% pay increase on personal production, and private coaching calls.

In order to stay active, you also have to make monthly payments to Biz Center to access websites and training materials, and that costs $30/month. In order to stay qualified (to receive commission), you need to be active and have at least 5 Customer Points. Each product package is worth 1-2 Customer Points.

This is getting to be a pretty expensive venture (over $1,000/year, in total, plus the initial investment).


MWR Life doesn’t actually sell any products, but they do sell a huge array of “life-enhancing” services.

Financial Edge

These are there financial coaching services. The package comes with a variety of programs and training materials with different focuses, from budgeting, to credit scores, to savings and investment. The package includes:

  • CreditMAX
  • EquityMAX
  • MoneyMAX
  • WealthMAX

It retails for a whopping $79.97/month. I can give you some budgeting advice for free right here – spending 80 bucks a month is not budgeting and saving money.

Lifestyle Advantage

This is their discount and savings program that’s meant to help you find more affordable travel deals, retail products, and dining options. Their booking website supposedly has a “110% price savings guarantee”. The package includes

  • Travel Advantage
  • Shopping & Dining Mall
  • Grocery Getaway

It costs $49.97/month. Again, spending money to save money. It makes no sense, especially because their systems DON’T save you $50 a month. Often times, they don’t save you anything at all.

Life Essentials

This is a package that combines 10 of their most “essential” services, which you can also buy separately, into one monthly subscription. The membership includes:

  • Roadside Assistance
  • 24/7 Telemedicine
  • 24/7 Tech Support
  • 24/7 Personal Assistant
  • Legal Access Plus
  • Financial Coaching
  • Tax Hotline
  • Identity Theft Protection
  • Personal Accident Coverage
  • Worldwide Air Medical Evacuation

This package is $49.97/month.

Are these things actually “essential”? Some of them, like roadside assistance, tech support, and personal accident coverage are actually very beneficial to have…but you likely already have them. Your car insurance, the company that made your computer, and your credit cards offer all kinds of coverage that’s likely better than theirs.


Their website is full of stock photos of lambos and mansions in Malibu, but can you actually make money with MRW?

There are 11 ways to earn with this company. Here are the main routes.

Customer Commissions

Every time you enroll a new customer, you get a $25 one-time bonus. On top of that, you get anywhere from $.25-$8.00/month from customers throughout your organization, unlimited levels deep. The higher your rank, the higher your commissions.

Considering the high prices of their monthly memberships ($50+), these are pretty weak commission rates.

Team Commissions

You also get monthly residuals from distributors in your downline up to 7 levels deep. These commissions range from $.50-$3.00.

  • Level 1 – $.50
  • Level 2 – $.50
  • Level 3 – $1.00
  • Level 4 – $4.00
  • Level 5 – $1.00
  • Level 6 – $1.00
  • Level 7 – $3.00

If you start out as a gold or platinum member, you also get 25% commission on the entire pay of your direct recruits. Clearly they want you to buy in big, because that’s a much better deal than the standard commission rates.


MRW has a bonus structure that’s pretty similar to other MLMs. Most of their bonuses are given out if you can sell a lot in a short amount of time, especially within your first month, or once you start moving up to the top-level ranks. A lot of these bonuses require you to buy in at gold or platinum level.


This is one of those MLMs that doesn’t have a real product to stand on. They offer a variety of vague services, most of which your average person already has access to through other (far cheaper) means, such as their insurance, product warranties, credit cards, and AAA memberships.

The compensation plan is very, very top-heavy. Most people will earn nickels and dimes, but the few who make it to the very top will rake in the cash.

It’s a big risk though, considering it’s one of the most expensive MLMs I’ve reviewed if you want to access the compensation plan and stay qualified.

If it’s really financial freedom you seek and you like automated ways to build passive income, there are better ways.

(and you can trash those old MLM habits, too)


Tuesday, March 28, 2017

Is Kairos Technologies just a Ponzi scam?

Kairos Technologies sounds like some sketchy, big brother company from a 90s teen flick. I’m picturing a group of disinterested college students dressed in all black doing matrix-like moves past security guards and laser beams to break into a multi-million dollar company and expose their secrets.

Turns out, the actual Kairos Technologies is nowhere near that big and powerful, but they are definitely sketchy enough to play a movie villian.

Was I ever involved?

This video explains everything:

Make sense? Either way, here’s the full review on Kairos Technologies.


Kairos Technologies is based out of the UK…and that’s about all the information that’s available on their website.

Nothing about when they were founded or by whom, although their domain was registered in 2014. The “Management” page on their website leads to a weird, generic diagram of the management structure that you’d find in a business 101 class without naming a single person in leadership.

They appear to also go by the name KairosPlanet, and a quick search on LinkedIn will uncover a handful of people who might be in leadership, although with the way MLM hands out titles like candy, they could just be regular distributors.

It doesn’t matter though, because none of these people have any information on their profiles. Michel Vieira calls himself President of KairosPlanet, but his profile says nothing else other than that he lives in Geneva, Switzerland. He doesn’t even have a profile photo. Janny Cavassini, a man who randomly pops up in one of their marketing videos under the title “CEO of Kairos Technologies” also lives in Geneva, Switzerland and is following Kairos Technologies, but his official title on his LinkedIn profile is just “social worker / entrepreneur”. [1]

Again, sketchy.

The Kairos website urges people to “Become part of a global international project by creating your own planet in the Kairos Universe.”

Sounds cryptic and alluring, but if you think that’s supposed to mean something, it’s not. The rest of the website is filled with such poorly written English that it’s hard to figure out what this company is even pushing. My guess is they’re not actually based in the UK…just a hunch.

How much does Kairos Technologies cost?
Kairos offers four different “agreements”, depending on how much an affiliate wants to invest and how much disk space they want to rent out. The more money and disk space, the higher the ROI.

  1. 15 GB Rent: $125
  2. 70 GB Rent: $597
  3. 180 GB Rent: $1,577
  4. 320 GB Rent: $2,777


Kairos Technologies doesn’t actually sell any products or services. Instead, they recruit people to provide them a service that they then pay for.

Basically, affiliates rent out a portion of their disk space. They must have a certain amount of available disk space (15 GB to 320 GB), and they must download and install a special software program that they then have to leave running by staying online for at least 10 hours a day. The company is renting this unused disk space to “develop global distributed computing systems”.

In addition to renting disk space, affiliates get access to a variety of hardware and software programs, depending on their buy-in package, from Kairos Technologies that are likely all bogus. They include…


  • KairosMail, a secure mailing service (for all affiliates)
  • KairosDisk, secure cloud data storage (for affiliates who purchased packages 2-4)
  • KairosSurf, secure internet access (for affiliates who purchased packages 3-4)


  • KairosPhone, a secure and private communications device that has the specs of a cell from 2004 (for affiliates who purchased package 4)
  • KairosRouter, a 3G secure wireless data transfer system (for affiliates who purchased package 4)


As I mentioned, each buy-in package offers a different ROI, all depending on how much money you’re willing to invest and how much disk space you’re willing to rent. Kairos estimates the following ROIs:

  1. 15 GB ($125): $312.50 annual ROI
  2. 70 GB ($597): $1,492.50 annual ROI
  3. 180 GB ($1,577): $3,942.50 annual ROI
  4. 320 GB ($2,777): $6,942.50 annual ROI

In addition to this money, affiliates make commissions on referrals through a unilevel compensation plan infinity levels deep.

All affiliates get 15% commission on their Level 1 (personally sponsored affiliates). After that, commission rates depend on rank. Affiliates who get past Assistant rank, the first ranking, get 10% on their Level 2 and 5%-30% on their level 3 and onwards.

That means that the highest ranks, like the Chief Ambassadors, are making a whopping 30% on ALL of their Level 3 affiliates and onward, infinity levels deep. That’s huge. Of course, no one makes it up that high.

The company also offers a 1% Matching Bonus, a 1-2% Leader Supporting Bonus, a 1% Generation Bonus on your two strongest legs, and a 1% World Bonus Pool. However, you have to hit certain ranks to access these bonuses.


If you’re still confused about what it is this company does, that’s because they don’t really do anything.

Kairos Technology might just be a straight up Ponzi scheme. How are they making money to pay you 200%+ ROIs for doing nothing but turning on your computer?

They’re not.

What they’re doing is taking the massive membership fees from new affiliates and giving you a part of them. Textbook pyramid scam if I’ve ever heard one.

Look, if it’s financial freedom you seek and you like automated ways to build passive income, there are better ways.

(and you can trash those old MLM habits, too)


Saturday, March 25, 2017

Is OneCoin’s cryptocurrency worth anything?

If I were alone in a dark alley and a strange hooded figure approached me, I’d rather it be a big-time member of some drug cartel come to kidnap and hold me for ransom than a OneCoin affiliate.

Okay, maybe they’re not quite that bad, but the company definitely has trust issues.

Was I ever involved?

This video explains everything:

Make sense? Either way, here’s the full review on OneCoin.


OneCoin claims to be “The First Transparent, Global Cryptocurrency for Everyone.” Even the smallest amount of research shows that they’re anything but transparent, though.

Founded by a Bulgarian woman named Ruja Ignatova, OneCoin is registered in Bulgaria and Gibraltar. They currently don’t have legal permission to operate in a number of countries, including the United States.

Ignatova’s website claims that she graduated from Oxford University, but there is no evidence to support the claim that she ever went to Oxford, and there are a lot of questions surrounding her educational and professional background. [1]

Sebastian Greenwood is also involved in the company, a man who has worked for a slew of shady MLMs that were brought down for being Ponzi scams. Before OneCoin, he worked for Unaico, a company that came under fire from Pakistan’s Securities and Exchanges Commisison.

The company claims that by the beginning of 2016, they had become the second largest cryptocurrency in the world, supplying 120 billion coins worldwide.

But more is not better when it comes to currency. Ever heard of that thing called inflation? The more of a currency you pump into a financial system (which is pretty easy to do when you’re using a virtual currency that you literally made up), the less it is worth. There are photos of people in places like Zimbabwe and Poland during periods of hyperinflation carrying around entire wheelbarrows full of cash just to buy groceries because their currency was worth next to nothing.

Well, OneCoin’s currency is actually worth nothing, but at least you don’t have to carry around wheelbarrows full of it…because it’s not real.

At a recent event put on by OneCoin in Dubai, bitcoin expert James Dollahan and a handful of his associates attended to gather more information on the cryptocurrency. After the event, Dollahan issued an advisory regarding OneCoin, and stated:

“They met with the owners and managers of Onecoin and yes, their behavior and things said were just as I had warned them about.  Nothing that could be verified except on their own websites […]. Regarding technical questions, they were not detailed in their answers and much did not make sense to them based on what true crypto currencies are.”

The Central Bank of Uganda just published a warning to its citizens regarding OneCoin, who recently expanded to one of Uganda’s major cities. They’re not the first Central Bank in Africa to have to issue advisories to its citizens about OneCoin, either. [2]

In December 2016, Italy’s government put a halt to OneCoin, suspending them altogether from operating in the country due to their pyramid scam activities. [3]

Just about the only thing that OneScam is #1 at is scamming.

Angelina Lazar, a rogue economist and noted cryptocurrency expert ranked the top 3 cryptocurrency scams, and guess who came out on top?

OneCoin. [4]

How much does OneCoin cost?
The cheapest option for joining OneCoin is to purchase their £100 starter pack. However, there are tons of upsells and larger packages that claim to make you more money ranging all the way up to £28,000.


While OneCoin is all about their cryptocurrency, that’s not actually their product.

What OneCoin sells is “educational packages” ranging from around $100-$120,000. The idea is that these packages are investments, because they come with “tokens” that can be used to mine for Onecoins (the company’s cryptocurrency). This allows them to claim that they don’t actually sell cryptocurrency, even though it’s all they talk about in their advertising and recruitment meetings.

According to the company, Onecoins are mined by servers at two sites in Bulgaria and one in Hong Kong. They can only be exchanged through the company’s exchange site, Onecoin Exchange, and you have to purchase more than just a starter package to access the exchange. There are daily limits to how much you can exchange depending on which package you purchased, meaning this cryptocurrency isn’t fully liquid either.

They make some pretty wild claims about these packages they sell. They say that it’s not only impossible to lose money with the packages, but with the packages that involve splits (which double your token stash), you double the value of your investment…at worst.

Speakers at previous events have stated that investing in a £3,900 package will yield you £8,500 even if the value of the Onecoins doesn’t increase at all. If it does, you could net as much as £32,000. Of course, the possibility of the currency losing value isn’t even mentioned. [5]

Sounds unlikely because it is. The OneCoin website’s terms and conditions state:

“The company does not warrant that product descriptions or other content is accurate, complete, reliable, current, or error-free.”

It doesn’t get much more obvious than that.


It wouldn’t be an MLM if they didn’t want you to recruit, recruit, recruit.

Or if they didn’t use an unnecessarily confusing, vague compensation plan to explain how you can get rich doing so.

You also don’t get paid in your local currency, or even in their cryptocurrency. Instead, you get paid in tokens.

You can make money through a number of methods, but only 60% of the payments go to your “cash account” while another 40% go to your “mandatory account”. You cash account is ready to be spent (you can purchase more packages or more Onecoins with your tokens), and your mandatory account is where a portion of your earnings stays to continue mining for more Onecoins.

Whether or not any of this really ever turns into actual, widely accepted currency is unclear.

Direct Sales: 10% commission on your personal sales

Network Bonus: 10% commission off BV of your weaker leg

Matching Bonus: Matching bonuses depend on your package and can go up to 25% and 4 generations

Start Up Bonus: During your first 30 days you get an extra 10% on personal commission, for a total fo 20%

One Life Club: Win bonus points that you can exchange for vacations, luxury goods, and other items.

Splits: This is where it gets interesting. Whenever they hit a certain number of total members, they can double the amount of tokens in your account (more expensive packages include more splits). It’s explained that as more members join, demand for the currency raises and its value goes up, but the company doesn’t want a “price explosion”, so they just randomly double some members’s currency.

It’s kind of like when the government just randomly throws TONS of money at your because your country is so popular! Wait, that doesn’t happen?

That’s because this is not economics, at all. There’s nothing real about this. They are just making crap up at this point.

Gold: In case tokens, points, and OneCoins weren’t enough to keep track of, you can also earn “Aurum Gold Coins”, a new cryptocurrency that is supposedly backed by 1 mg of gold/coin that is stored in a vault in Dubai. Gold is given out in tiered amounts each time you buy a package.


I may rail on home parties and miracle supplements from time to time, but I rarely say this:

This MLM is a full-on, downright scam. They don’t operate in the U.S. because the SEC would kick them out in a heartbeat. Even countries in Africa that are known for sending out scams on the internet are issuing warnings about these guys.

You might be better off investing in Chuck E. Cheese tokens.

But if it’s financial freedom you seek and you like automated ways to build passive income, there are better ways.

(and you can trash those old MLM habits, too)