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26/01/2014. ComoCredit Review and Daily News from the HYIP Industry


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

Hello everyone! I hope the weekend has been going well for you so far. I have to say the last business week wasn’t exactly the best of the year so far by any means, but even already this Sunday night I know next week will be better. Later on in the news section I’m going to be introducing a very promising new program that I thought was impressive after adding them to my Premium Listing just earlier, but more on that later. Because this isn’t the only potential industry giant coming to MNO this week. You may remember last night I introduced a program called a mostly long term program called ComoCredit which since launching about two weeks ago has met with much enthusiasm around the industry. Well, now that it’s joined MNO and I’ve had a chance to look around it I can understand why. There’s a lot of positives here, make no mistake. So before the news section let’s take a look at the finer details of ComoCredit and see if you think it would make for a suitable addition to your portfolios or not.

Before getting to the details, I have to say that while I am extremely optimistic about the program and anticipate some big things for them, there’s also some things I don’t like. I don’t mean to start off on a negative note, but as I’m talking about the very first thing you see when you visit the ComoCredit website it can’t be avoided. All you will get on your first visit is the home page with no practical information on what ComoCredit is all about. In fact there’s nothing even to indicate that it’s even a HYIP at all. In order to proceed to the rest of the website you are going to have to create an account first. You don’t have to deposit, just create the account. I don’t regard this as a fault or a problem with the program as such, I just don’t like it because I don’t see how it advances ComoCredit in any way or does anything to promote the program. I also don’t think it makes ComoCredit any less of a good program mind, I only mention this at all because there’s no way around it.

Anyway, once you’re in you can have a proper look around and see for yourself just how good a website they have created. ComoCredit have a couple of features even I haven’t seen before, and I’ve been doing this for years. I’ll get to that in a moment but for now let’s just look at the investment plans, which are of course the single most important thing for an admin to get right if he wishes to run a long lasting and successful program. And getting it right is really something I have to compliment him on here because it’s rare that you see such a degree of flexibility and almost total versatility anywhere in the HYIP industry these days. ComoCredit have five investment plans in total, ranging from medium to long term, all of which are very affordable to everyone no matter what your budget.

The first of these requires a $10 minimum deposit (as do all of ComoCredit‘s investment plans) and runs for a term lasting 30 calendar days. During this time the members are paid a daily interest rate of 1.4%, and at the end of the term ComoCredit should return your principal. The maximum limit on investments is capped at $50,000, and ComoCredit pay the same 1.4% rate no matter how much you have spent. So by the end of the plan you should have 42% in interest payments which then becomes your net profit on return of your principal.

So let’s look at a practical example of how that might work. We’ll say you invested $100 in this plan. ComoCredit will pay you back $1.40 for that every day for the next 30 days. By the time you get the final payment that comes to $42 in total, at which point ComoCredit will add your initial hundred to that which leaves you with your own money back and $42 in net profit.

If you wish for something a bit longer term and somewhat more profitable for the added risk, ComoCredit‘s second plan runs for 45 calendar days. You can still join it for the same $10 minimum of course, so in financial terms the risk doesn’t have to be all that big unless you make it so. For the terms duration members are offered a daily interest payment of 1.5%, adding up to 67.5% by the end which becomes your total net profit after ComoCredit return your principal. Maximum spend remains at $50,000.

The third plan runs for a term of 60 calendar days, moving us distinctly into long term HYIP territory now. ComoCredit are offering members a daily interest payment of 1.6% in return for joining here, but still only require a very basic minimum of $10 to sign up. Payments will eventually add up to 144% by expiry, which is your net profit on receiving your principal back as promised. The biggest investment allowed is still $50,000.

Plan number four on the list runs for 90 calendar days ComoCredit offer members a more enticing 1.7% in interest every day for its duration. These payments eventually add up to 153%, your final profit on return of your principal. Crucially, and perhaps a more important statistic, is that members in this plan break even before the term ends. ComoCredit will have paid you back an amount equal to your own principal 59 days into the 90, so basically more or less every cent you take out of the program from that point on is pure passive income. The minimum and maximum amounts accepted by ComoCredit are unchanged, ie you only need a $10 minimum and can spend as much as $50,000 tops.

And finally the remaining plan runs for a term of 180 calendar days. Like all the others ComoCredit are keeping it open to the widest possible audience with a very affordable $10 minimum requirement to join. The interest rate on offer is a very generous 2% per day, coming to 360% at the end of the term. ComoCredit will then add your principal to that figure, however you will be in profit long before that happens. At 2% per day you will reach the break even point after just fifty days, less than a third of the way into the term which is really quite remarkable as from that point on you are collecting pure profit every day from the program.

OK, I think that perhaps I might have oversimplified the plans a bit here. In reality they are much more flexible. To start with, ComoCredit allow compounding. Just set the rate yourself when making your deposit. In addition to that, you are not strictly speaking tied to the stated investment term. If it’s too long for you to commit to, or if you just change your mind and need your money back, then ComoCredit do have an early withdrawal clause. To leave the program before expiry you will be charged a penalty fee. Exactly how much is something that will depend the particular plan you have joined, but be warned it’s going to be something between 10% (which actually isn’t all that bad) and a more punitive 30%. Remember this can really eat into your profit, so make sure you don’t get into something you can’t afford, and if it’s a deliberate strategy of yours to leave early then remember to factor these costs in.

But otherwise I suppose your main concern with ComoCredit is for how long you do want to invest your money from. Because all the plans carry the very same cost to join they are all affordable and need only carry the same degree of risk to your finances. So it’s really all down to a simple matter of how long you want to play for, and what your own strategy is going to be. Remember there’s nothing to stop you from joining more than one plan at a time, as many people like to split their deposits with a bigger slice in the shorter term options and less in the longer ones. You still get the best rates but get to break even and earn more consistently. That’s just one suggestion though, you’re free to invest any amount in any plan, choosing between the terms and compounding level however you see fit. So there’s really no end to the versatility of the plans or the potential investment strategies you might implement.

Payment options are currently a bit on the limited side I’m afraid, but one hopes that is something that can be corrected if the program gets popular, which I’m sure will happen soon enough. You can use either EgoPay or PerfectMoney to join ComoCredit, which are still quite popular in their own right. And the fact that withdrawals are processed instantly goes a long way towards compensating for the lack of choice. You still need to log into your private members account area and request your payout as normal, but once done you should have the money in under a minute.

Staying on the subject of the investment plans for just one more moment, there’s one shall we say “quirk” in the members area that you need to be very clear about when you are finally ready to make a deposit. It’s something that might confuse a lot of users, particularly non-English speaking ones. After you have filled out the details, chosen your plan, the amount you wish to spend and so on, you are asked what your preferred payment option will be. One is “account balance” but don’t worry about that for now because it won’t apply to new members, only those who have already been paid by ComoCredit and actually have something in their account. The other option is listed as “WebMoney” and this is where the confusion comes in. You see WebMoney is also the name of a popular non-HYIP related payment services provider, and that’s actually what I thought ComoCredit meant when I first saw it. In fact what really happens is when you click the WebMoney box, a new section opens just below it asking if you then want either EgoPay or PerfectMoney. So when they say WebMoney, what they really mean to say is payment processors.

Moving on then to the design and more technical side of things, this is also an area where ComoCredit excels. They are hosted on a dedicated server with support and DDoS-protection provided by CloudFlare, and for an extra layer of security is SSL secured by GlobalSign. The ComoCredit domain is registered for three years.

So far so good, but the really interesting feature here is the script. This is totally unique and developed especially for the program, and looks like a pretty solid product with some good features. Even the very signing up process is already highly original, as ComoCredit not only allows you to create an account via the traditional email method, but also by using your profile in Facebook, Linkedin or Google which is something I myself have never seen before. There’s also a handy set of charts where you can map out your potential earnings from the various plans. You just click and drag your cursor across a type of little drop-down box to indicate what level of compounding you are going to use, the watch the graphs on the profit charts rise and fall according to how you change the variables. Don’t worry if it doesn’t make sense here, you’ll know exactly what I mean as soon as you see it in your own ComoCredit members account area.

If you have any further questions for the admin, account related issues that need to be dealt with, or anything you felt wasn’t really explained in this review then you can get in touch with with ComoCredit by filling in your details on the online customer support form and submitting it via the contacts page. And as you might have guessed from my description of the sign up process above, fans of social networking sites will be able to find ComoCredit keeping profiles on all the sites listed, including Facebook, Google Plus, Twitter, and LinkedIn.

On the subject of the alleged business interests funding the payouts to ComoCredit members, we are told this is the area of short term payday loans. You know, the ones that seem to blight the advertising breaks on nearly every TV station. Granted it’s a bit more original than the stacks of programs citing ForEx trading as a business activity, but it’s not really any more likely to be proven or verified by the rank and file members. They do have short video explaining it on the website’s home page, but explaining it and proving it are two entirely separate issues. As a 100% anonymous website trading entirely online, sensible people among you know perfectly well by now to treat ComoCredit as a risk and an online based HYIP game. It’s also a hugely promising program with a better than average potential to it, but it is still first and foremost a HYIP and a risk. So you know to play sensibly. Only invest an amount of money you are comfortable with, expect no guarantees, and if joining ComoCredit at all then try to keep them as a smaller part of a wider more diverse portfolio.



As I promised last night you’ll be able to see some really big programs on MNO soon, the latest of which is definitely Leancy. The admin asked me to add it to Premium listing earlier today and I duly obliged. A more detailed examination of Leancy will be posted tomorrow, but for now looking at the program I can see how unique it is. First of all this uniqueness can be seen in their investment plans. You see, Leancy does not offer a fixed interest return. First you can make a deposit starting from $10 via your choice of PerfectMoney, EgoPay, BitCoin, Payeer, or BitCoin (without conversion). The daily interest paid by Leancy will vary, with the maximum set up to 5% per day. This continues until you reach 150% (50% pure profit) upon which your investment is declared matured. The average rate paid out so far been around 4.66% and the overall profit is quite achievable and sustainable in the long run in my opinion. I believe the admin has plenty of room for manoeuvre in case the growth of Leancy slows down at some point, with lowering the interest rates helping to extend the lifespan of the program which has already been online for about five weeks now. The rate of interest is posted on the website every day, so you can clearly see it. However please note that once invested you will see the crediting with small parts of 1/86400 of the daily rate, as the custom-made script Leancy runs off is designed for you to see the profits accumulating by the second and withdraw at any time once your balance reaches $1 (or 0.01 in BitCoins). People really seem to love watching their profits grow in real time, and I can see in the case of DublinCryptoriumLimited how the practice is popular. Don’t forget that all the withdrawals in Leancy are processed instantly, which is another selling point compared to the main competition. And last but not least, to make the re-investment process more desirable there is a special bonus assigned to your account in automated mode (again, thanks to the original script) and you can potentially get 5% to 50% in addition to the usual daily rate, and thus reach the 150% target much faster. I’ll talk about the system in my review of Leancy tomorrow in more detail, but for now I just see it as the perfect tool to encourage re-investments, especially considering the fact that all the active investments are treated as part of one investment portfolio handled by the user, so it’s easier to take advantage.

The more you look at the Leancy website the more you realize it’s definitely run by a seasoned professional who knows what he’s doing and probably ran lots of successful projects in the past. The script alone features the latest deposit and withdrawal stats in real time and is state-of-the-art. Despite the unique investment plans on offer it’s really convenient and easy to navigate. Leancy is also SSL-secured by Thawte and is hosted on a dedicated server with support and DDoS protection provided by Koddos. The whole evolution of the program over the last five weeks was really in a positive and very gradual manner, and saw the first investors finish the first investment cycle. In fact today MNO became the first big monitor the admin listed his program with, perhaps favoring word of mouth instead of spending thousands on advertising. I do think however that listing on MNO was the right step for him and will help bring Leancy‘s name to a wider audience. Just like the decision to translate the website into four languages, namely German, Italian, Spanish and Russian. There may be more.

From experience I can tell you at least half of the MNO readers prefer to deal with HYIPs accepting SolidTrustPay. So I predict the question why Leancy doesn’t accept STP and whether it’s going to be taken in the future will be in a lot of your minds. The sad thing is that it’s not going to happen as explained by the admin of Leancy Ryan in one of the updates posted on the program’s blog which is a perfect source of up-to-date information on all the new features. Here’s the latest update which also promotes the Russian based payment processor Payeer as an unlikely possible replacement of SolidTrustPay:

I know we promised you to start accepting SoliTrust Pay, that’s why the title may looks a little indistinct.
So let’s get straight to the point: we cancel SolidTrust Pay support. We did it because of STP decision not to approve our payment button (the way we can automatically accept STP payments). STP asked us to provide a tax statement, but we just don’t have such thing yet, Leancy was registered about 2 months ago.
That’s the bad news, the only one since Leancy started.
Now we’re moving to the good news.
We decided to replace SolidTrust Pay with Payeer. “What is so good about Payeer?” — you ask. The main and most obvious advantage of Payeer is accepting wire transfers. Moreover we can instantly pay the accrued interest of such deposits into Member’s Payeer account. And Members can withdraw the profit to any payment system supported by Payeer including Visa/MC, bank wire, Perfect Money, EgoPay and Bitcoin (you can see the complete list here).

Yesterday, more improvements in Leancy was also reported. A Partnership Page is available and contains a list of regional representatives for you to get acquainted with. Here’s what I found on their blog:

Partnership page
To newbies. We have very important and interesting partnership page. Yo can contact with nearest to you Leancy representative and ask any questions you want about our site. All representatives’ll be glad to help you, even using phone call.
Also you can’t get every referral link of representative at this page and sign up with your chose partner after clicking it.

By the way, if you can’t wait for tomorrow’s review, you can see a video review posted last week below:

BTW video review
While we’re working to present you new cool features of Leancy have a look to video review  of our site made by one of our top upline drlieven…

Overall I get a good first impression from Leancy. I just wished the admin came to MNO a bit earlier. But I also think the gradual promotion policy was a well thought out advertising campaign and I hope that Leancy will be running for a long time to come. By the way, now you can find the admin of Leancy active on the MNO ShoutBox and can contact him there if you have any questions before tne review tomorrow.


I’d like to remind you that the MNO TalkBack page is running two new polls mentioned last night. For now I can see that on the question on most HYIP transactions, 55% of readers named SolidTrustPay as their first choice, while 45% said PerfectMoney. Well, it’s no surprise for me as SolidTrustPay and PerfectMoney are by far the most popular payment processors in the HYIP industry. If you agree with that or think otherwise, please take some time to vote on on the MNO TalkBack page.

On the second question, I asked you what type of investment program most of your portfolio now. 50% say long term programs of 45 calendar days or longer, 30% believe short term programs offering profits in under 15 days are best, and 20% favor medium term programs with 15 to 45 days plans. So what do you think? Please let me know by voting on the MNO TalkBack page. The results of both polls will be drawn next weekend, and I really appreciate your input. Please speak your mind!


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: -.
From MNO Premium list: FinMutual, DublinCryptoriumLimited, TataAgroHolding, AdBitrage, 3pamm, MutualWealthDailySharePro, ApexBinary, ImbueCapital, ComoCredit (the first instant payments received), Leancy (the first instant payments received).
From MNO Standard list: FX9.
From MNO Basic list: InvestmentCapital, IndigoHillInv, MichaelKazakov.

That’s all the news for tonight, guys, except for one minor update from AdBitrage (reviewed here). Please note that starting today AdBitrage doesn’t accept investments via SolidTrustPay anymore. You can now only deposit in their 2.5% for 40 days plan via EgoPay and PerfectMoney. I don’t have any further information as to why this happened, but the admin told me withdrawals to STP will continue as usual. I’m currently awaiting his response to my asking for more info, and I’ll update you tomorrow if I have something. Stay tuned and see you tomorrow with the review of Leancy and the regular daily news from the HYIP industry. Bye for now!


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