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05/12/2013. ApexBinary Review and Daily News from the HYIP Industry


Beware! ApexBinary has stopped paying! Do not invest there!

Hi everybody! As we get closer and closer to the end of the business week (and yes, I know, another week closer to Santa Claus) I still have a couple of brand new programs on the MNO monitor introduced a couple of days back that I need to get through here for you. So before tonight’s news update I want to continue with a promising new long term program called ApexBinary. Like a lot of the newer long term programs opening around this time I don’t really see it being an overnight success story as such. But as the saying goes it’s a marathon not a sprint when it comes to HYIPs like this one so it’s more a case of this being the “ground floor” for something that I hope will develop into something more impressive come January and 2014. This is where it starts though so let’s see exactly what ApexBinary have to offer and see whether you feel it might be worth joining, either now to be in with a chance to be one of the first to profit, or after the holidays if you are currently taking a break from the industry.

Starting as always with the investment plans then, for all intents and purposes there’s basically just the one option to join, though this is divided into five sections depending on how much you’re looking to spend. Most of them will be beyond the financial reach of most HYIP industry players, but I’ll go through all of them for you anyway as you the investor are the only real judge of that. But it need only cost you a $10 minimum to join ApexBinary so it’s easy enough to at least get started. This gets you into what’s called The Basic Partner Plan which accepts all deposits up to a maximum value of $500. The term runs for 180 business days (36 weeks) during which ApexBinary are offering a daily interest payment of 1.2% on your principal, made from Monday to Friday. On expiry your initial deposit is then returned, leaving you with your own money back plus an extra 216% net profit.

To put that into simple monetary terms then, let’s say you join ApexBinary with a $100 investment. Every day from Monday to Friday for the next 36 weeks they will pay you back $1.20. This will allow you to break even (ie come to an amount equivalent to your original deposit and therefore mean you can’t possibly lose anything) after 84 payments, which may seem a long time at first but to put it in perspective is in fact less than half the length of the full term you are joining for. Payments add up to $216 in total, which then becomes your net profit once ApexBinary return your principal on expiry as promised.

And that’s pretty much how all the other investment plans continue, the only variant being the interest rate payable on larger deposits. The Medium Partner Plan for instance, the next step up, is open to deposits from a $501 minimum to $5,000. For the 180 business day duration ApexBinary are offering 1.5% interest per business day, totaling at 270% which becomes your net profit when your principal is returned.

Difficult to imagine many people either wanting or affording to go past the first two options there, but as with most of the better quality longer term programs I’m sure there will eventually be a couple of takers once the name of ApexBinary becomes more firmly established in the industry. So for a $5,001 minimum deposit then you can join The Advanced Partner Plan, which will also take anything up to a $25,000 maximum. The term remains 180 business days, but the interest rate goes to 1.8% daily. By the end of the term that should come to 324% in total, at which point ApexBinary should add your principal to that as well.

I guess the remaining two plans are really just for information purpose here, as ApexBinary require a $25,001 to join what’s called The Professional Partner Plan. For the same 180 business day term the offer this time is 2.1%, coming to 378% on expiry when your principal is then returned. The maximum allowed here is $50,000.

And lastly then The Royalty Plan (so called one would imagine due to the Sultan of Brunei being the only likely candidate who could afford it!) is for any amounts larger than what is allowed in the previous plans, and with no maximum limits on what you may spend. Just in case you have the odd million dollars lying around the kitchen with nothing else earmarked for it. Anyway, the term stays unchanged at 180 business days, and if you can come up with the money then ApexBinary are offering 2.4% interest per business day. That adds up to a total of 432% with your initial principal promised to be added to that again.

Currently the list of payment options available to investors isn’t exactly extensive, though the admin assures the members that this will improve soon. For a review of course I can only comment on ApexBinary as I find it on the day, and as of now you can join using any of PerfectMoney, EgoPay, or PexPay. SolidTrustPay is apparently in the pipeline as well, who as we all know have a somewhat more thorough verification process before allowing HYI related programs to add them as a payment handler, so if that’s something you think you’d rather wait for then keep an eye on MNO and I’ll make sure this is the first place you get to hear about it when it happens. Payouts to ApexBinary members are generally made instantly, though under some circumstances these will not always be possible (security issues, account replenishment, et cetera) and so are not explicitly guaranteed. In the event that your payout isn’t instant then you are asked to allow anything up to 24 hours for the admin to complete it manually. Either way you will still of course need to log into your ApexBinary members account area and make a withdrawal request first.

Just a couple of other quick points to keep in mind about the investment plans, first of all compounding is allowed, which you can set yourself when making a deposit and is in multiples of ten, ie 10%, 20%, 30%, and so on, or indeed 0% if like me you prefer to avoid compounding at all. You’ll find a handy little calculator built-in to the site that will help you work out any potential earnings and you can play around with the figures a bit to see what best suits your needs. The other thing, and this is more a matter of common sense I suppose, is that ApexBinary do not mention any early withdrawal clause, not even for a fee. Because the principal is returned in a separate payment on expiry as opposed to being included in installments with the interest payments I can see why some people might expect such an option. However please be aware that whatever money you put into ApexBinary you are committing it to a near nine month term, so make sure it’s an amount you can easily afford to live without for that time. Of course your principal is still working for you during that time and you will be collecting a daily payment on it, so it isn’t exactly a life changing sacrifice here either.

On the subject of security and web design, ApexBinary looks quite well organized and professional. Although the script itself is unremarkable in the sense that everyone will already know it inside out by now, it’s just the overall design itself that looks above average. The script is under license from GoldCoders, and the ApexBinary website is fully SSL encrypted by Comodo in both public and private areas for maximum protection for transactions and safer browsing. The admin has the website domain registered for ten years which is also good. Not that I’ve seen an online HYIP run for that long of course, nor am I expecting it to happen anytime soon either, I just think it’s good that he doesn’t want to be distracted by such trivial matters as having to keep an eye on things like that and have to renew it when there are better things he could be doing with his time. The ApexBinary website is also mirrored on four different extensions (.com, .biz, .net, and so every angle seems to be covered in case of problems on that front. You will also be able to view a certificate of incorporation in the UK, though these are available (and quite genuine) online to anyone who wants to buy one quite cheaply and with next to no questions asked. Hosting is by BlackLotus who are a decent service provider with a good record in the industry, and they are keeping ApexBinary on a dedicated DDoS protected server.

If you have any further questions that you think weren’t really covered here or any account related issues you need the admin to deal with them you can get in touch via a number of different channels. To start with there’s the usual online customer support form that you can fill out and submit through the contacts page. Or else you can simply write directly to the listed e-mail address if you prefer. For something a bit more “hands on” and depending on the nature of your enquiry you might want to take a look at their Live Chat feature first however. It’s not a 24 hour service but it won’t hurt to just take a quick look and see if an operator is available before writing. Fans of social media sites will be pleased to see ApexBinary maintaining profiles on Facebook and Twitter. There isn’t a whole lot to see there just yet but then the program is still brand new. I just hope the admin makes more efficient use of these potentially lucrative platforms than usually happens in this industry. In addition to that you’ll notice a postal address on the website, though these things can usually be dismissed as serviced offices and not necessarily where you would find anyone physically located and working on the program were you to visit. Therefore it’s probably not the best idea to send anything to the fax number listed on the ApexBinary website for the simple reason you have no idea who’s actually going to pick it up at the other end, though you can try the phone number listed there if you would like to speak to someone directly. I recognize the dialing code as a mobile/cell phone by the way, so clearly there doesn’t need to be any connection to an office. Also if you have two spare minutes you can watch a promotional video on the website outlining the benefits of joining ApexBinary. Totally predictable of course as is only natural, they are trying to sell the program after all, but I guess some of the more experienced players will recognize the potential anyway.

Overall it does look like a lot of time, money, and effort went into creating ApexBinary, and I would imagine the real reason experienced admins organize programs like this (modestly paying longer term ones I mean) at this time of year when they know full well that they won’t be getting popular until the new year is to build up a name and a reputation and then really start promoting it in January and February when results will be more impressive. Maybe it’s a bit presumptuous of me to say that about ApexBinary, after all I have no idea what kind of real experience the admin has in this area, but it does look a very solid program put together by someone who knows what he’s doing. On the business side of things by the way I can tell you that ApexBinary are claiming to be involved with amongst other things ForEx trading. A lot of the texts and website content is a straight copy/paste job used in older HYIP websites, so while you know experienced investors wouldn’t have taken it all that seriously anyway, this only serves to underline the fact for anyone new to the industry. In other words even a good HYIP is still just a HYIP and needs to be treated as such. It’s an opportunity, not a guarantee. Therefore you should treat it as you would if making a straight up gamble. Spend only what you can comfortably afford to do without for the plan’s duration, be realistic in what you think you can get back from joining in the first place, and if you are adding ApexBinary then try and keep it in a balanced and varied portfolio.



WealthersInc has become another miserable failure and pre-Christmas scam that didn’t even last for 7 weeks which is a disaster “achievement” for a program paying what should have been a manageable 1.5% profit per business day. Despite positioning itself as a unique program with a variable return growing in line with the size of your downline, WealthersInc failed to capture the investors imaginations. Fortunately then not many people joined, contrary to the unbelievable lies told by the admin about a grandiose success story with hundreds of members. I outlined those lies in my updates regarding WealthersInc and expressed my opinion that the program would never do much if the admin didn’t change something in terms of advertising or change his attitude about branding the program as a unique project which it most certainly was not. Last week the admin suddenly changed the design of the site and simplified the script as, according to him, it was too hard to work with the original script in the first place. The new layout was a major setback while removing the increased rate of interest feature made it look like a very poorly built HYIP, and one investors didn’t like at all. The situation was somehow saved by the instantly processed payouts which until last night remained the program’s only saving grace. The admin of WealthersInc showed himself a real newbie who did everything possible to make his program worse instead of better. That’s why I wasn’t that surprised at all when yesterday the withdrawal option conveniently disappeared from members accounts. At first I suspected a technical glitch because of the script changes and tried to get contact the admin. When I was ignored I knew immediately that WealthersInc disabled the withdrawals deliberately while continuing to accept deposits. Seriously, I’m totally speechless by the admin’s level of incompetence so please do not invest in WealthersInc anymore! You’ve been warned!


Today I was pleased to receive a special email from DublinCryptoriumLimited addressed personally to me which just proved once again that advertising a program on MNO is a must for every admin who wishes his program to be a success in the long run. When DublinCryptoriumLimited was first added to the Premium List on MNO exactly a month ago I saw the full potential of this unique program immediately and explained how it works in detail (click here to read the full review). I also realized that many investors thought that the variable interest which was promised by DublinCryptoriumLimited would be too small for them or the minimum to invest of $50 might be a drawback for some as well. However the instant payouts to most of the payment methods accepted by the program (that includes PerfectMoney, SolidTrustPay, EgoPay, BitCoin and direct bank wires) and the ability to withdraw your principal and profit at any time you like made DublinCryptoriumLimited a must-have addition to any serious investment portfolio. Few programs offer this level of flexibility and together with the perfectly unique script definitely attracted a lot of attention to the program. I believe that the true potential of the program will be only be seen in the new year and I’m looking forward to more success for many many months to come. Even now, after its first month online the program reached the top five most popular programs on my Premium List and I believe that explains the #1 ranking for MNO for referrals in the month of November and already in the leading position for the prize for December. You can verify this by simply clicking on the Partners page of DublinCryptoriumLimited‘s website and if you wish compete for the prize yourself. The prize is not by the number of referrals in the program but actually for how much they deposit. I myself was already paid my first top prize of $110 which was credited to my PerfectMoney account instantly, and another ten cash prizes are available for the month of December. The next batch of winners will be announced on January 5th 2014 and for more information please refer to the information below:

Dear Paul,
You are the highest earning partner this month. Your account was credited a cash reward of $110. We sincerely appreciate your efforts to bring in new partners and promote the CRYPTORY brand.
Doing business with DublinCryptoriumLimited is easy!
Note that the cash reward will be accrued to the partners’ account on the 5th of each month.
Would you like to be up-to-date with the latest company news? Follow us on your favorite social media sites below:
Should you have any questions or concerns, please feel free to contact Customer Support at
Thank you and welcome again to DublinCryptoriumLimited.
Sincerely, DublinCryptoriumLimited

Announcing the top partners
Dear Paul,
What do you know about the CRYPTORY® affiliate program?
DublinCryptoriumLimited not only offers our partners a percentage of income from the referrals they bring in, but each month the top 10 partners with the highest commissions from referrals receive a cash reward.
To learn more about the affiliate program visit this link: To see the highest achieving partners and winner’s list click on «Top Partners and Winners».
On the 5th of each month profits in the “Top Partners” list will be reset to zero to provide an opportunity for more partners to earn rewards (Profits will only reset to zero in the list and does not affect the partner profit totals found in the control panel).
The rewards program is our way of showing appreciation for your willingness to spread the word.
Would you like to be up-to-date with the latest company news? Follow us on your favorite social media sites below:
Should you have any questions or concerns, please feel free to contact Customer Support at
Thank you and welcome again to DublinCryptoriumLimited.
Sincerely, DublinCryptoriumLimited


After three weeks online the admin of MultiPowerVentures clearly stepped up his own advertising efforts by purchasing the top tower banner on MNO blog for one month and sent me a request for an interview as well. I guess more advertising was part of a well thought-out strategy of gradual expansion which MultiPowerVentures has been following since its launch as posted on their news section today:

We are advertising even more today
We will be looking for some new ad spots or packages where we will experiment once again which ones are effective and which ones are not. We will always work hard in order to make MultiPowerVentures even bigger and more popular.

I remind you that MultiPowerVentures (reviewed here) was first introduced to my readers two weeks ago and I believe many of you have already profited from the multiple investment plans there. These include 104%-150% after 2 days, 110%-250% after 4 days, 125%-400% after 8 days, 175%-850% after 16 days, 325%-2,000% after 32 days. Unlike many other short-term programs MultiPowerVentures accepts all the popular payment processors starting from a $10 minimum – SolidTrustPay, EgoPay, and PerfectMoney – while also allowing BitCoin and bank wires with higher minimums. Withdrawals in MultiPowerVentures are processed within a 48 hour maximum, however I myself usually get paid very quickly. I’m sending the admin some questions tonight, so make sure you don’t miss the upcoming interview which will hopefully be published in a few days.


Before I finish for the evening I just wanted to remind you all about the poll currently running on the MNO TalkBack page. The question is – How do you rate your personal experience in the HYIP industry during 2013? I would really like to encourage everyone to participate which will help us to see what this past year has really been like. Although the poll will continue for another couple of weeks, the early indications show a great division among those who already voted. 37.5% said the year has been a positive experience which allowed them to profit significantly from the HYIPs they invested with. 33.3% reported about a more neutral experience, finding themselves largely in the same position at the end of the year as they were at the start. Finally, 29.2% for now say that 2013 was negative for them financially with overall losses outnumbering profits. So what do you think? Voting is anonymous and note that only one vote is accepted per IP-address. It only takes a second to vote, but at the same time it will be very beneficial when the results are drawn just before Christmas. Thanks to everyone who voted already!


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: IncomeAlways.
From MNO Premium list: PureIncome, CatenaFinance, RFIGroupDublinCryptoriumLimited, MultiPowerVentures, DeltaTraders, InvGlobalRemiTrade, DailySharePro, Financ, FinMutual, ApexBinary.
From MNO Standard list: AmberShares.
From MNO Basic list: InvestmentCapital, WelorTrade, ValuePathFinance, InsideForexGroup.

That’s all for tonight, guys. I hope that you enjoyed reading, and if so, please follow MNO on Facebook and Twitter, or simply subscribe to get the daily emails with the latest HYIP updates straight to your email. The subscription form can be found on top of my blog and it will take only a minute to complete. Also please be more active on the MNO ShoutBox, and keep supporting your favorite programs by voting on MNO Monitor and MNO Forum. I’ll see you all tomorrow with a more detailed look at Financ and the usual daily news from the HYIP industry. Best of luck with your investments and talk to you all then!

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