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27/01/2014. Leancy Review and Daily News from the HYIP Industry


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

Hi everyone! I hope the weekend was good for you all. It’s been a pretty good start to the business week for MNO, as you may have noticed. There was a couple of new potential opportunities added to my monitor which fingers crossed can grow into good earners. The program I’m starting off with this evening however is one that’s actually been online for over a month now. It’s called Leancy and was added to the MNO monitor only yesterday. Despite the age it’s still a pretty good looking HYIP and one that I think won’t really be that well known due to the admin looking for a more gradual build up for his program.

The thing about Leancy though is that once you take a closer look you’ll see it’s really nowhere near as complicated as you might think at first. It’s just structured differently from the more traditional HYIPs you might be more accustomed to. So let’s get started then and take a closer look at Leancy and what they have to offer investors, and see if you think there’s still enough life in the program to make it a worthwhile addition to your portfolios.

There’s only one plan to chose from in Leancy, so it’s going to be quite a straight forward choice for you – you either like or you don’t, it’s that simple. It’s organized very very differently though, and rather than basing it on regular payments over a fixed timeframe, Leancy‘s investment plan simply has a target for you to reach which the admin will then work on gradually.

Confused? Here’s how it works. You make a deposit in Leancy. This must be of at least a $10 minimum. What you are offered then is an eventual return of 150%, which includes your initial principal. Leancy will pay this to you in the form of daily interest payments, but what they do not give you is a fixed rate for the payments or a fixed length of time over which they are paid. The only thing you are told for sure is that your payment will not exceed 5% in any one day. One feature that I think you are all going to like however is that you can see the interest building up in your account in tiny increments in real time every second. Then, once the payments clock up to $1.00, you are allowed to withdraw it. This seems to be a hugely popular feature in the programs that use this method, so no doubt it’s been something that’s had a positive impact on Leancy as well. Who knows, maybe it’s the anticipation, watching your money grow before you can withdraw it. Just like looking in a candy store window.

So let’s take a practical example. We’ll say you invested $100 in Leancy. They will then make an interest payment of some description everyday. Some days that might be close enough to 5%, other days it won’t be. But you should get something everyday until you have taken a total of $150 back out of the program. This includes your own original hundred which was yours to begin with, plus an extra fifty which is your net profit. Obviously just reaching the break even point will be the most important goal for any investor but in this case it’s simply not possible to predict when this will happen. There’s no real maximum limit to what you can spend in Leancy. I mean officially it’s listed at $200,000, but I think we all know that’s just a random number.

While everyone who joins the program gets a variable interest payment, not everyone gets the same rate. Larger investors get a slightly better deal here, and so reach the eventual 150% target a bit faster than the smaller investor. It’s an interesting aspect to Leancy and works something like this. They announce what the daily interest is going to be. It could be anything up to 5% like I said, but for the sake of an example let’s take yesterday’s rate which was 3%. Therefore members of Leancy who have an active deposit of between $10 and $1,000 all got 3%. Pretty simple, right?

But this is where it gets tricky. Investors with anything from $1,001 up to $5,000 will get the rate of the day multiplied by a coefficient of 1.05. So in this case where the small investor just gets the flat 3%, the bigger one gets 3% multiplied by 1.05, which is 3.15%. And if tomorrow’s interest rate happens to be let’s say 2%, the small investor will get exactly that, while those with bigger deposits will get 2% multiplied by 1.05, or 2.1%.

That’s pretty much how things work for higher amounts than that again, with Leancy offering members the rate of the day multiplied by a higher and higher coefficient. Just for informational purposes this increases to 1.15 on amounts between $5,001 and $15,000, to 1.3 on anything between $15,001 and $50,000, and to 1.5 on anything larger than that. But whereas you might first just shrug your shoulders and think “what would I be doing putting $50K into a HYIP, this won’t apply to me”, there is actually a clever trick here. You see, if you add to your investment later on, and I’m talking about adding new money here not re-investing from your balance (which incidentally I don’t think is allowed anyway) the Leancy admin will in fact combine all your investments into one portfolio. The advantage here of course is that not only does it work out well for the program by encouraging re-investments and cash flow, it also benefits the member by growing your principal, getting you the higher interest rate, and thus getting you to your target of a 150% return on your investment that bit sooner.

The thing I really like about the investment plan however, and I’m speaking as a monitor here, is that the admin has plenty of room for manoeuvre in case the growth of Leancy slows down at some point. And of course it will slow down from time to time during the course of the program’s lifecycle. Lowering the interest rates will help to extend the lifespan, paying you less when the admin earns less, and paying you more when he earns more. This keeps the cash flow under control and protects Leancy (up to a certain point) from having to make any financial commitments they might struggle to meet later on.

If you like the investment plan therefore I guess you’ll need to hear what your payment options are. You can deposit or withdraw from Leancy via your choice of PerfectMoney, EgoPay, OkPay, Payeer, or BitCoin. This last one is particularly interesting though. With BitCoin being added to more and more HYIPs these days, their presence will come of no real surprise. What’s different in this case is that there’s no conversion rate, ie you spend BitCoins themselves directly into Leancy without exchanging them for dollars. This is one thing I don’t believe I’ve seen done before with any of the other programs using BitCoin. All withdrawals are processed instantly once you have made the request from inside your member’s account area. Instant withdrawals are needless to say always a big selling point for any HYIP using them, and Leancy is no exception. Just a quick note on SolidTrustPay. For reasons outlined in the official Leancy blog, STP will not be added to the program’s list of payment handlers despite the admin’s earlier efforts to get them on board. I don’t need to repeat any of this here, it was covered on my own blog in a recent post, and if you’re really interested you can find more info there.

Moving on to the more technical, design, and security aspects of the program, Leancy is off a unique script which I can only describe as state-of-the-art. But it’s still quite easy to navigate and user friendly throughout, featuring the latest deposit and withdrawal stats in real time. Inside your account area then you will find three tabs labeled “Investment Control” which is where you see the actual financial information on your deposit and can watch it grow in real time, “Referral Chain” where you see info on your downline as well as advertising materials you will need to promote the program and your ref link, and “Settings” which has your personal details. Leancy is also SSL encrypted by Thawte for safer browsing and more secure transactions. The website is hosted on a dedicated server with support and DDoS protection provided by Koddos. The website’s domain is also registered for the next seven years, not expiring until 2020 (yes, I know that’s six years away not seven, but I’m counting last year as well as it opened in 2013). Other than English Leancy has been translated into German, Italian, Spanish and Russian.

If you have any further questions or account related issues then the admin can be contacted through a couple of different channels. The most important of these being the e-mail support form which you can fill out and submit via the contacts page. You will also notice a postal address, though I would dismiss that as most likely a virtual hosted office and not where you will find the admin physically located, if in fact genuine at all. Of more practical use you might try their Skype of Facebook accounts. For any important news or developments with the program of course as I already mentioned Leancy do have their own blog as well. He uses the MNO ShoutBox from time to time as well by the way, so you may catch him there too. And finally if you want to avoid dealing with the admin and prefer someone more on the same level as yourself, Leancy have recently become the latest program with a regional representatives program. Experienced readers will know what I am talking about here, where regular Leancy members are hired to act as customer support agents for people who live in the same country or speak the same languages as them. You’ll see all the details by clicking the Partners tab near the top of the Leancy website. Salary is in the form of improved ref commission payments, so you kinda need to work for it and won’t see a penny unless you get others to join under you.

Overall I really did get a good impression from Leancy. But I can’t help but wish the admin had come to MNO sooner. The program has definitely been good, that much is undeniable, but I also know that many of you will have concerns about its age. No point in denying that either I suppose. There’s an element of truth in that of course, we all know online HYIPs don’t last forever, but remember also that the whole evolution of the program since opening up last month has been slow and gradual. Leancy haven’t really been seen on many of the bigger monitors, and and their advertising campaign is only picking up any kind of momentum now that the industry is starting to grow again.

But while we hope that the program runs as long as possible, just as we do with anything we invest in naturally, we also need to accept that this is the HYIP industry and predictions about anything are a waste of time. There’s next to no usable information on what Leancy claim to do in order to fund the payments to investors by way of an actual business. We are led to believe this is in the field of “crowd funding” in the IT industry. They don’t really expand on what this is or how it works, but if the admin agrees to an interview then I’ll let him tell you what he thinks it means himself. So anyway, treat them with the same degree of caution that you know you have to. Spend money you can comfortable afford to live without, and if joining Leancy at all then try and keep them as a smaller part of a wider more diverse portfolio.



The main subject of the latest newsletter from ComoCredit (reviewed here) was the huge presence of the program on the main forums and blogs and its great efforts in spreading the word about this definitely unique program further. After only two weeks online ComoCredit continues its steady and gradual growth paying investors instantly on the following investment plans with the initial principal back on expiry – 1.4% for 30 days, 1.5% for 45 days, 1.6% for 60 days, 1.7% for 90 days, 2% for 180 days. The great thing about the plans is that you can invest in any of them starting from only a $10 minimum but currently only via two payment methods – EgoPay or PerfectMoney. However, in today’s update the admin reported the expected addition of BitCoin very soon which will further stimulate growth. I’ll certainly let you know on my blog as soon as it happens, and I’m pleased MNO has made a contribution to promoting ComoCredit with the review yesterday which the admin also mentioned in the newsletter. This is included below:

ComoCredit 14 Days Online
The last two weeks has been great and thank you for all the best feedback and support what is written in social media, forums and blogs. We are happy that you have chosen ComoCredit investment platform as initial investors and together we are sharing success.
We are happy to announce that several reviews about our platform has been published. If you would like to read them, please visit:
Currently we are working on BitCoin integration in our safe platform, so users can have wider choice of popular cryptocurrency.
Giving is our pleasure. ComoCredit


Despite there not much to report in the latest newsletter, the admin of InflexShares Dorothy decided not to break the tradition of sending a weekly issue anyway. The latest one is dedicated mostly to celebrating the first month online. However, that was not the only reason for the InflexShares investors to celebrate. As you might know from my detailed review of the program posted here, InflexShares is famed for giving away investment bonuses ranging anything from 0.5% to 2.5% and credited to members’ accounts at the end of every business week. Last Friday this bonus was on the higher side and reached 2% which Dorothy proudly mentioned in the newsletter. She also emphasized that the weekly bonus was never intended to jeopardize the program’s stability and longevity and that it’s paid from the extra funds and only what InflexShares can afford after processing withdrawals on the investment plans. By the way, InflexShares accepts all the popular payment processors – SolidTrustPay, PerfectMoney, EgoPay – starting from a $10 minimum. InflexShares is offering three investment plans – 2% for 60 days, 2.2% for 90 days, 2.5% for 120 days. Despite being calculated in calendar days, the profits on all the plans are credited on business days only, and at the end of the term you can collect your expired deposit as well as your final payment. Of course, one month online for such a long term program as InflexShares is really not a big deal to brag about, and I guess we will be able to judge on how well the program performs only after the first deposits are returned to their rightful owners in a month from now.

From other matters being discussed in the latest weekly newsletter from InflexShares we see the steady growth in the program over the last couple of weeks, a reminder to members to make sure all their e-currency accounts are specified in their profile before requesting a withdrawal, and suggestions on the program’s development as well as the frequency and structure newsletters. For the full version of the newsletter please take a look below:

Newsletter 04 – First Month Anniversary
To start off this week’s newsletter, I’d like to congratulate every member of InflexShares for successfully making it past this first month! It’s been a very interesting ride, not to mention that we’ve hit a lot of of milestones along the way, and I am truly excited for what we can achieve in the near future.
For starters, our weekly bonus was a staggering 2% this past week! This decision came after we pondered upon many factors that would impact our current performance. And as it is, we are comfortably in the driver’s seat and we’ve decided that we can give out a nice bonus to our members without having that decision impact our cash flow. If I may, I’d like to remind you that we have consistently been giving truly lucrative rates the past few weeks, and I believe that we can, and will, continue this positive trend as our members continue to shower us with their unrelenting support. InflexShares is a family and I’d like to reiterate that so that we can always stay strong together and support each other.
Our member base has been climbing steadily for the past 2 weeks, which is always comforting for the team at InflexShares because that goes to show that our effort is paying off. More importantly, most of these new members are active downlines of our existing members, so I think that also goes to show that we are doing a fine job. I believe that word of mouth is one of the most powerful online marketing tools that is often overlooked. This is a testament to our commitment to excellence and I thank you everyone for your faith in us! Nevertheless, we will not let that get to our heads, and we promise that we will continue to innovate and find new ways to separate ourselves from the competition.
Moving on, I’d like to make a quick shoutout to all new members. When you make a withdrawal request, please make sure that you have already saved your payment processor account’s information on InflexShares. We have recently came across a handful of investors who did not register their payment processor accounts on InflexShares, and we had to send out an email in order to notify them. To compound matters, some of our mails went directly into their Junk mails, so that caused some unintended stress for our new members, which we hope to avoid in the future.
That concludes our weekly newsletter, and before ending this, I’d like to know if you guys appreciate this weekly newsletter, and/or you would like more/fewer newsletters moving forward? As the saying goes, “no news is good news”, and thus, I decided to keep it on a weekly basis for now. However, a few members had approached us to voice their opinion about more, but shorter, newsletters. With that said, I’d like to hear your opinions!
You can either send us a contact request with your opinion, or I plan to set up a poll on InflexShares‘ website to get some opinions. Anyway, we are just starting and there will be even more exciting things to expect in coming months.
Thank you and take care!
Dorothy CEO


You might remember that last night I finished the news section with an important announcement from the admin of AdBitrage Thomas (interviewed here) telling me that his program had stopped accepting deposits via SolidTrustPay. Therefore at the moment deposits into AdBitrage can be done via EgoPay and PerfectMoney only. The only plan on offer remains unchanged at 2.5% for 100 calendar days for a $20 minimum. Fortunately this won’t affect those who already joined via STP while it was still available. This is because the decision only applies to deposits but not withdrawals. In spite of that, many investors in AdBitrage got really concerned and even worried about that decision. So I was determined to find out what the real reasons were behind Thomas’ decision as SolidTrustPay is still considered to be the most favorable payment processor among my readers. Today I received an answer from AdBitrage on this where Thomas listed three reasons why he felt it necessary. I will quote them below and then will try to analyze them in more detail:

We stopped accepting STP for a number of reasons:
1) They changed our payment button without our consent, thus breaking the deposit system. They then invited me to fix the problem that they had caused.
2) I waited 9 days for a response from their customer support. That is an inacceptable wait.
3) They have by far the highest fees out of any payment processor. I’m not willing to pay such high fees for poor service.

First off, I believe that SolidTrustPay was not fully satisfied with the documents provided by AdBitrage when verifying their account. Possibly they requested some additional information on the business AdBitrage was doing, and of course they have absolutely every entitlement to do so.

Second, I’m not quite sure if we’re talking about the same response time for support tickets in SolidTrustPay. From my own recent experiences when I had some questions on funding the new debit card I got a response within 6 hours of writing to them. And my issue immediately fixed. Maybe there are different respond times for different departments in STP dealing with different issues, I’m not really sure about that, as I’m not sure about suspending payment button for no reason, although I can’t state for sure as I don’t know the full story and am not really expecting to hear it

Third, despite of the high fees which are only slightly higher than the ones charged by EgoPay and PerfectMoney for unverified accounts, SolidTrustPay remains one of the most popular payment processors online largely due to its convenient and direct funding and withdrawing options for STP verified users. Although I could understand the frustration, Thomas probably saw the delay in answering his query as an indication that further work with SolidTrustPay was impossible. I again emphasize that I don’t know the full story behind this.

At this moment I’m not really sure if this difficult situation is going to hinder further growth for the program, but I’m sure that it’s going to slow down STP which was definitely the most popular payment choice for investing there. In addition to that, some caution might be taken regarding the admin’s silence, so I do hope he posts some kind of official update on this STP deposit suspension on the site soon. As for the moment, AdBitrage (reviewed here) is still paying fine to all three payment processors it originally worked with when I first reviewed the program on my blog here. I’ll update you on any further developments if and when I hear them, so stay tuned!


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, Financ, InvGlobal, 3pamm, RemiTrade, DailySharePro, ApexBinary, ImbueCapital, WealthGroups, InflexShares, Leancy, ComoCredit.
From MNO Standard list: FX9.
From MNO Basic list: WelorTrade, InsideForexGroup, ZeusInvest, MichaelKazakov.

That’s it for today, guys. If you like the MNO blog and my daily articles please follow me on Facebook and Twitter. You can also subscribe to receive daily newsletters straight to your email address. For that simply enter your email address in the form on top of my blog page and confirm by clicking the link which will be sent to you by the Google operated delivery service FeedBurner. Then you’re done and you will be enjoying daily news and reviews from the most popular investment blog for elite programs on the net. I hope to see you on my blog very soon and good luck with all your investments!

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