Feb 14th, 2014 Archives

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Hi guys! And Happy Valentine’s Day to everyone! MNO is still getting only the best programs from the HYIP industry listed and sometimes pretty exclusive ones which you may not be able to find anywhere else. I think it’s a very positive sign to witness a growing realization that it’s really enough just to list a project on MNO and ignore low-quality monitors to enjoy success with investors. Simply having a look at the partners page for DublinCryptoriumLimited will prove my point, where MNO is by far the best referrer in the total amount of funds brought by my direct referrals. Many other programs also enjoy the success of MNO exclusive listings and today along with the daily news from the industry I would like to share with you the latest addition to the MNO Premium List which also took Sticky Listing for a month on its launch today.


I’m talking about GoldenOakFund which launched officially straight after joining the MNO monitor today. Although I can confirm that the site of GoldenOakFund was in the planning stages for a number of months and the admin paid for Sticky/Premium listing on MNO in November 2013 before the site was online. Today the admin also purchased the top banner on the MNO blog and confirmed that the program has now been officially launched. The background story of how GoldenOakFund makes money for its members is quite original as they are allegedly financing companies that need some extra cash as explained in their news section:

GoldenOakFund – Accepting New Funding Solicitations
Do you have a great idea or a young burgeoning company, but you need financing to get things off the ground? If so, the GoldenOakFund might be just what you’re looking for. Every year, we invest in countless projects, whether they be small startups, or firms looking for that extra boost of capital to succeed. Whether you need $500 or $500,000 to get your business off the ground, we may be able to help.
If you’re interested in obtaining venture capital financing from the GoldenOakFund, please contact us with the following information:
– Your Name
– Your company’s name
– A brief description of your business
– The amount of funds you are looking for
– Your location
With that preliminary information, one of our partners will contact you to explore whether or not we can move forward with your project.

Regular investors though will be more interested in learning about the investment plans offered by GoldenOakFund. There’s only one of them and it pays you 1.2% fixed interest for the duration of 200 calendar days for deposits starting from $25 and accepted via EgoPay, PerfectMoney, and BitCoin. Your investment expires after 200 calendar day and no principal is returned on expiry, so your net profit is 140%. SolidTrustPay is not accepted, and the admin told me there are no plans to start. They’ll take their chances with BitCoin instead which is getting more and more recognition in the HYIP industry by the day. GoldenOakFund is running off what is possibly the best script in the industry now, a licensed version of ShadowScripts (read my interview with the developer here). The site is SSL-secured by GlobalSign and is hosted on a dedicated server with support and protection from CloudFlare – quite a popular name in the HYIP industry now. There is very little information on the website just yet, but I guess the admin will add that with time. As for now, GoldenOakFund has just started and I believe that with their huge advertising package purchased on MNO the program stands a decent chance to become a successful long term venture with time. A more detailed review of GoldenOakFund will be on MNO tomorrow.


FinMutual, currently ranked at #1 on the MNO Premium List, announced today that maintenance work on their green bar SSL as previously discussed in yesterday’s newsletter has been completed. Some investors were concerned about its disappearance so the admin decided to fix the issue once and for all which he explains in the short update below:

FinMutual Green Address Bar EV SSL
We have completed our maintenance on our EV SSL certificate and browser loading. If you have any problems loading our website, please reply to this email. You should now see the green address bar once again and our COMODO trust logo in the corner all pointing to verifications for our company.

FinMutual (reviewed here) has been running successfully for over six months now, and is rightfully the most popular program on my monitor at the moment with the timely payouts processed to members’ SolidTrustPay, EgoPay, PerfectMoney, BitCoin, and PexPay accounts. The investment minimum of $25 can be deposited in their 1.8%-2.6% for 160 business days plan.


DublinCryptoriumLimited is the current #2 program on the MNO Premium List. However MNO is by far the number one referral in the program, winning the most recent contest as you can see from the results on the program’s Partners page. To be honest it wasn’t difficult to achieve that position as MNO readers saw the potential DublinCryptoriumLimited offered to investors almost immediately after the program’s launch back in November 2013. After 101 days online DublinCryptoriumLimited, sometimes known as Cryptory, remains one of the best and the most original projects of the year with an enormous level of flexibility that allows investors to make withdrawals and get paid instantly anytime they like. At the same time you can see your account growing in value in real time by the second with the rate the company mines BitCoins, their alleged source of income for its members. At the same time, the interest rates being paid may not be as high as in other programs, but I must say that the potential to grow over the coming months driven by the admin’s dedication is simply mind-blowing. In my original review of the program posted a few months ago (click here to read) I described the investment process in detail which you can read for yourself. DublinCryptoriumLimited might not be for everyone simply because the minimum deposit can’t be less than $50, accepted via PerfectMoney, SolidTrustPay, EgoPay, OkPay, Bank wires, and of course, BitCoin itself. Remember though that despite the option to withdraw any part of your principal and profits anytime you like, you will only get paid by DublinCryptoriumLimited if you maintain a minimum balance of $50 in your account.

The main subject of today’s lengthy newsletter from the admin attempts to answer what will no doubt shortly become a frequently asked question in itself. It relates to the value of BitCoin and its wildly fluctuating rates against the US dollar. Questions arise as to how it can still be possible to make money under such conditions. The answer to that question is in the latest DublinCryptoriumLimited newsletter which I’m re-posting below:

Fluctuation in the exchange rate, but income remains steady? WHAT?
You can read this article at: https://www.cryptory.com/guide/ in the language of your choice.
Our fund managers often receive interesting questions from our investors:
How does CRYPTORY® manage to provide a stable and predictable increase in income despite the fluctuation in the Bitcoins per US Dollar exchange rate?
The short answer to this question — Hedging. Still don’t understand? … Don’t worry! In this short article we will provide an example of the financial mechanism we use to minimize risks in the Bitcoin exchange rate.
Since the first century, civilizations have used some form of derivative financial instruments. Today, hedging has become so complex, that even our own fund managers would be hard pressed to explain how hedging plays out in different markets. So, if you are not familiar with the workings of the modern economy, this word might intimidate you. The good news is that our hedging strategy is very straightforward; so simple that even a schoolboy could understand it.
Consider that you have multiple currencies and each of these is constantly jumping the other in value. If you decide to put all of your savings into a single currency, you have tied all of your risks to the value of that one currency. If, on the other hand, you spread your savings around to multiple currencies, you have reduced your risks.
For example, let’s say you own shares in a company. You are nervous about how that company is going to perform, so you decide to diversify and buy shares in multiple companies to spread out your potential for loss or gain. Basically, this is a simple kind of hedging.
Thus, the essence of hedging is to reduce the risk of failure while offsetting potential losses or gains.
Consider that you have multiple currencies and each of these is constantly jumping the other in value. If you decide to put all of your savings into a single currency, you have tied all of your risks to the value of that one currency. If, on the other hand, you spread your savings around to multiple currencies, you have reduced your risks.
Let’s illustrate the point further with more relevant examples. Watch out! You might believe there is a mistake or magic taking place. But really it’s just math. We have simplified all the numbers to keep the calculations basic–so you can focus on the concept. In reality, it is a bit more complex than the example.
Let’s assume a monthly profit of 10% from initial deposit. Suppose we have the two investors: Ben and Douglas. Ben has deposited 1 Bitcoin (BTC) and Douglas has deposited $ 1,000. They will withdraw their deposits and interest a month later. In this scenario, the Bitcoin exchange rate, at the time they made their deposit with CRYPTORY®, was $ 1,000 per 1 Bitcoin. At the end of the month, when Ben and Douglas decide to withdraw their principal deposit and interests: Ben should get 1.1 BTC and Douglas — $ 1,100. Let’s say for this 1 month, we have generated a 0.2 BTC. If, at the end of a month, the exchange rate has not changed — 0.2 BTC can be divided into 0.1 BTC and $100 USD because the exchange rate is 1BTC/$1,000. So it makes sense to pay to our investors $1,100 and 1.1 BTC.
«Okay», you say, «But what about the fluctuation in the exchange rate? What if the exchange rate drops? The money generated by mining 0.2 BTC is not enough to pay the return on Douglas’s interest!?»
Now imagine that at the very beginning of the month, when exchange rate was 1BTC/$1,000, Ben deposited 1 Bitcoin, and we exchanged 0.1 BTC from his deposit for $100 USD.
The result was that we have 0.9 BTC and $100 earlier in the month. We work until the end of the month and then … oops, there is a drop in the exchange rate! The Bitcoin rate of exchange drops to $500 per 1BTC which means one Bitcoin = $500USD! However, we are still able to fulfill the conditions of the contract with Ben and Douglas:
Now calculate everything that CRYPTORY® has:
First, it has the 0.2 BTC generated despite the falling of the market: Exchange rate variations do not affect mining. Also we have 0.9 BTC (Bob’s deposit minus 0.1 BTC (which early in the month we exchanged to $100). So we have 0.2 BTC + 0.9 BTC = 1.1 BTC. Also, we have $1,000 (Douglas’s Deposit) + $100 (0.1 BTC, which was exchanged early in the month). So, in total we have $1,100 and 1.1 BTC. The 1.1 BTC we give to Bob and the $ 1,100 goes to Douglas. The terms of the contract are fulfilled.
«Well,» you say, «What about growth in the exchange rate?» – It works the same, in either scenario. Try to do these calculations with any finite exchange rate. Even if the Bitcoin rate rises or falls a million times, it will not affect the amount you deduced. The result will always be the same: investors get their guaranteed income, and we as a company can manage the fluctuation in Bitcoins to offset any losses or gains. We have hedged our risks. Exchanging 10% of Bob’s contribution for dollars, we minimized the risk.
The total of Bitcoin deposits and US Dollar deposits will never be equal at any given time. The Bitcoin exchange rate is driven by the mining of coins, which is not as easy to understand. Additionally, this article does not address how profits are spent on developing new technology and computing power to mine more Bitcoins. Hedging is a method of risk management that the company uses to protect deposits made by CRYPTORY® clients. Thank you for staying with us!


The admin of BluOro Roger is trying to step-up his advertising campaign with the help of regular investors who wish to share their creative flair and make a video testimonial about the program. It will not be without its rewards of course, and your efforts might be awarded with a cash prize of between $10 and $20. Actually, BluOro already had a 3-minute professional video presentation which I believe was of pretty good quality, but at the same time genuine video feedback from investors will make BluOro more member oriented with the best efforts posted on a specially allocated page mentioned in today’s newsletter. The page is still empty at the moment, but I guess it will fill up with time depending on the members’ enthusiasm. Here’s the latest newsletter regarding this prize offer:

Earn with BluOro!
Hello everyone, are you looking for fast way to earn few bucks? If you do, then we have an offer for you.
Email us your video testimonial about BluOro and you will be awarded with $10 – $20 (based of video quality) in your desired currency. Email to: video@bluoro.com. For other user video testimonials you can check here: https://bluoro.com/index.php?a=cust&page=testimonials.
Stay tuned, as there will be other cool ways to earn with BluOro, Have a great weekend!
Best Regards, Roger Walker,
BluOro Support department

BluOro has been online for seventeen days now and was reviewed on MNO here. Accepted payment methods include PerfectMoney, EgoPay, BitCoin, OkPay, and Payeer. The minimum to invest starts from $10 and investment plans include 1.5% for 15 business days, 2% for 30 business days, and 2.5% for 60 business days – all with the principal back on expiry. I believe BluOro might take off in the next business week when the first deposits expire and the first investors will be in profit.


I’m pleased to see the 3pamm website keeps improving as the admin and co. add more features while making the website more convenient for current and future investors. Due to some important changes happening today the 3pamm website had to be temporarily moved to .net domain as explained by the admin in advance so as not to panic anyone. After approximately 8 hours of downtime access to the website on the original domain was restored and everyone was able to see the difference and the new features as outlined by the admin below:

Access to 3pamm
Hello! 3pamm.com website is temporarily unavailable. Please – come at 3pamm.net

Us support email
Hello! Us temporary support email support@3pamm.net
Remind: access to website http://3pamm.com carried via domain http://3pamm.net

Domain 3pamm.com available again
Hello! 3pamm.com domain available again. Our support email support@3pamm.com

Dear investors.
Were technical works, we apologize. We have added the following new features to the site
1) Ability to add new ideas to the project, also take the part in voting for these ideas.
2) Ability to evaluate the responses FAQ.
3) Opportunity to comment on the news.
4) Ability to add comments to the site.

3pamm was first reviewed on MNO here. The program has been monitored for over a month though has in fact been online for three and a half months at this stage. The payment processors accepted by 3pamm from a $10 minimum include PerfectMoney, EgoPay, Qiwi, LiqPay and direct deposits via several Russian and Ukrainian based internet banks. The investment plans in 3pamm all return the original investment on expiry and pay 1% for 12 days, 1.3% for 35 days, 1.6% for 65 days, 2% for 70 days, and 2.3% for 85 days. I hope that after all the improvements the admin made to the site lately the growth will continue and we’ll continue to enjoy the profits for a long time to come.


AlternativeEnergy (reviewed here) is posting latest standings on the second day of their ongoing referral contest that will last for an entire week. The top three referrers (excluding monitors and blogs) will get cash prizes. Daily updates are sent to maintain interest in the contest among regular members not generally paid to advertise. The screenshot of the latest results was posted in today’s update:

Competition. Second day.
Dear investors,
We started a competition for the best referee. Do you want to show the top three, of the second day.
Thank you, and I wish all of our customers to get a good day!
Best Regards, David Bredwood
AlternativeEnergy – The Future Soon

AlternativeEnergy has been online for six weeks which is a fantastic result for a HYIP of this nature, paying on multiple plans on expiry via PerfectMoney, EgoPay, OkPay, and Payeer from a $10 minimum. Plans in AlternativeEnergy consist of 103%-130% after 1 day, 110%-195% after 3 days, 123%-330% after 7 days, 150%-600% after 15 days, 200%-1,000% after 25 days, 400%-1,500% after 40 days, 600%-2,500% after 55 days, 555% after 10 days, 1,111% after 20 days, and 3,000% after 30 days.


I’m not sure if it’s a coincidence or not but over the last couple of days EgoPay delivered a couple of really severe blows to its customers. First, it was announced that their Debit card program which was only launched in November was put on hold and withdrawals to their card provider, ePayments.com, are disabled until further notice. Here’s the short notice about that from EgoPay‘s website:

Withdrawals to ePayments debit cards disabled
ePayments withdrawals have been suspended until further notice. We apologise for the inconveniences.

Straight after that all the US based customers of EgoPay received warnings about the closure of accounts which will happen on March 28th. The receipt of funds into those accounts will no longer be allowed two weeks before that, and I guess that means you then have the following 14 days to clear out any money you still have there. Instructions to American customers are quite clear on that, so please do so as requested below:

Due to the current United States laws, all EgoPay accounts that belong to U.S. Citizens/Residents/U.S. Companies will be locked on the 28th of March. You can still implement your operations the same as before until 14th of March. Please note, that after 14th of March you will not be able to receive any funds and will only have an option to send or withdraw your funds.
Please manage your payments and withdraws in time.

Similar message appeared also today on EgoPay‘s website itself:

U.S. accounts about to be closed
Due to the current United States laws, all EgoPay accounts that belong to U.S. Citizens/Residents/U.S. Companies will be locked on the 28th of March. You can still implement your operations the same as before until 14th of March. Please note, that after 14th of March you will not be able to receive any funds and will only have an option to send or withdraw your funds.
Please manage your payments and withdraws in time.

This is a huge blow for American investors hoping to invest in HYIPs anonymously and echoes the decision by PerfectMoney to do the same after the closure of their main rival LibertyReserve by US law enforcement authorities. Now it looks like EgoPay, which was created as a division of Payza specially to work with HYIPs, i.e. ponzi-schemes, was possibly threatened by legal sanctions and are forced to abandon it’s US interests in order to protect the longer term future of the company. I have checked the current procedure for registering new accounts on the EgoPay website and can confirm that when you choose the US as your country of residence a message pops up telling you that “your country is currently not supported by EgoPay”. I have tried to contact the support of EgoPay, and if I receive an official reply from them I’ll post it on MNO for you.


With the current situation with EgoPay I believe PexPay are in a good position to pick up some of the business. Unfortunately they’ve not yet become that popular in the HYIP industry with only two programs from my list accepting it at the moment. I believe though that PexPay might still be a suitable candidate to replace EgoPay for the US customers as in March HYIP admins will come face to face with the reality that a big chunk of their market will be lost. I think PexPay should be acting more aggressively now, assuming it wishes to win this part of the market at all, and promote PexPay as an alternative to PerfectMoney and EgoPay who won’t deal with US customers anymore and STP which is being more selective about the programs they allow. I’ve already sent a couple of questions on this to the PexPay administration (click here to read my interview with them) and hopefully, they’ll explain what if any plans they have. I’ll also have an article soon to help American readers figure out what their remaining options in the HYIP industry are and how they can continue participating. US investors, and let’s be blunt here, are the biggest spenders in the HYIP industry and as such form its very backbone. It will be a much poorer place, literally and figuratively, without them so I hope to bring you that article in the next few days. For now the latest news for PexPay customers includes notice of the upcoming Presidents Day holiday in the US next Monday. Here’s the piece on that:

Presidents Day
Hello PexPay Customer,
Our banks along with the Federal Reserve will be closed on Monday, February 17th, for Presidents Day.
Any ACH or Wire transaction initiated on Friday, February 14th, will not be processed until Tuesday, February 18th.
Please be mindful of this, as all ACH and Wire transactions will take one extra business day to process.
If you should have any questions, please feel free to open a support ticket. We will still have staff available on the 17th for all non-related banking support.
Thank you for choosing PexPay for your processing needs.
PexPay. Your Bridge to Anywhere


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, Atlant, FinancInvGlobal, Leancy, BettCoin, 3pamm, ApexBinary, DailySharePro, RemiTrade, InflexShares, ComoCredit, BluOro.
From MNO Standard list: AlternativeEnergyFX9, PornRotor.
From MNO Basic list: BarclaysRoyalClub, ThaiMonetaryFund, InsideForexGroupZeusInvest, MichaelKazakov.

That’s all the news to report for tonight, guys. Please remember to vote in the MNO TalkBack poll which is going to be replaced within the next few days. Follow MNO on Facebook and Twitter so as not to miss any important articles or reviews and subscribe to my daily news via subscription form on top of my blog. Enjoy the weekend and see you all soon!

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