Mar 30th, 2014 Archives

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

Hello everybody! And especially let me say to the most important people in the world and those who do what must surely be the most difficult job anyone can have – Happy Mother’s Day! Personally I think you all deserve more than just one day to be spoilt and pampered, but wherever you are in the world I hope you have a good one. Life doesn’t stop in the HYIP industry just because it’s the weekend of course. Slows down a bit maybe, but definitely nothing ever stops moving around here so we have a couple of news updates to catch up on today. The first item up for discussion however is a brand new Premium Listed program called Exellers which I’m sure a lot of you are going to like. In fact I know this already because since launching late last week (Tuesday I believe) the feedback I’ve seen from readers has been overwhelmingly positive. The thing about Exellers is that it’s a totally unique program in some aspects which makes it kinda tricky to explain, specifically the investment plans. But the general concept behind is the same as anything else in the HYIP industry in the sense that you put your own money into Exellers in the hope of taking a larger amount out of it.

Before I start with the investment plans however the first thing we should talk about in Exellers are the terms. Because this you see is another in the latest crop of what I’d describe as “flexible HYIPs”, where members are not tied down to fixed investment terms in the traditional sense. It’s basically up to yourself how long you want to remain a member, you’re free to go at any time, but as long as you stay a member Exellers will reward you with a daily interest payment. Not only that, but they’ll actually entice you into staying a member with improved rates for loyalty. I mean sure, as with daily payouts it’s entirely possible to join Exellers today, leave tomorrow, and pocket a small profit for yourself. But the set-up here is distinctly aimed at the longer view, encouraging members to stay, helping smaller investors who otherwise couldn’t afford it to build their deposits, and making things less attractive for the hit-and-runners.

I’ll try and explain all that as best I can as we go because there are some rather quirky features to the plans that I think you will like. But let’s just start with the most basic aspects to them first, such as you will need a minimum figure of $10 to spare in order to join Exellers in the first place. The program is offering three investment plans, and anything from that $10 minimum up to $300 gets you into the plainly titled Plan A. Like I said, there’s no real upper or lower limit to how long you remain a member, so it’s kinda up to yourself here to fill in the rest of the blanks. You start of with a daily interest payment of 5.5%.

Now, this is where Exellers gets really interesting, so please pay close attention. You might be wondering what I meant there when I said you “start off” with 5.5% per day. You see, you have the choice to withdraw from the program right now if you want to, or else leave your money in place and continue earning. So why would you not want to withdraw? Because if you stay put, Exellers will offer you an improved rate of 5.6% on the following day, an increase of 0.1%. OK, maybe you think that’s not enough of a financial incentive, 0.1% isn’t much admittedly, but it doesn’t stop at that. In fact Exellers will increase your interest rate by a further 0.1% on every subsequent day that you keep your investment in tact. So you can then watch your rate go from 5.5% to 5.6% to 5.7% to 5.8% and so on like that.

I hope that gives you a fair enough understanding of how Exellers works because to be honest it’s much more difficult to give you a theoretical example. There are simply too many variables that come into play which makes it pointless to even try, but you can decide what your own strategy is and play around with the numbers yourself. Something I think a lot investors will appreciate though, particularly smaller players, is that if you can’t afford to join Exellers more expensive plans you can use the ever improving interest rates to grow your existing active principal into something bigger. You see in what is another good feature, you will not be asked to make another deposit but only add a smaller amount to your existing one.

So when I tell you that Plan B requires a minimum deposit of $301 to join, if you are already a member of Plan A then you can simply add the difference at such a time as you can afford to and avail of the improved interest rate. For this plan Exellers are offering members a starting rate of 6% per day. Again there’s no fixed term that you must remain a member for, so it’s up to you to weigh up what your goals are against how long you think Exellers can deliver. But by staying a member the same incentive program applies, only this time with the rate going up by 0.15% for the days you do not withdraw your principal. So while it’s already quite a generous 6% on the first day, you can watch it grow to 6.15%, 6.3%, 6.45%, et cetera, et cetera, on subsequent days provided you remain a member. The maximum spend for this plan is capped at a $500 maximum.

Again just like the previous option, if you haven’t got the $501 minimum requirement to join Plan C, Exellers will simply allow you to top-up your existing deposit in installments you can afford until you reach that level. Once you’re in then you can expect a starting rate of 6.5% per day. There’s no fixed term of investment so the rest is pretty much left up to you the member to decide. But if you decide to stay on and leave your principal in tact, Exellers will encourage it with an increase of 0.2% on your following payments. So while you might have 6.5% starting out, that can grow to 6.7% the following day, 6.9% the day after that, and so on up the line. The maximum amount you can hold here is $5,000, which is conservative by HYIP standards but still a lot more than what most of you would seriously want to spend anyway.

Making the most out of Exellers then is where I think a little discipline and no small measure of experience comes into play. Theoretically you see there’s no real upper limit to what these ever increasing interest rates can climb to, but on a practical level we all know that they can only go so high before they outnumber the actual cash reserves available to pay them. Sure, 5.5% can be sustained for a while, no problem there, but you’ll never realistically see your interest grow to 100% or anything like that. The more the program grows of course the longer it can deliver on the growing rates, but eventually there will be a ceiling on what can genuinely be financed so think about what you honestly think can be delivered rather than what you would wish to be delivered.

So if you like the look of the investment plans then you’ll need to know what your payment options are. Currently there are only three processors in use by Exellers, but they are three of the biggest names around in PerfectMoney, EgoPay, and Payeer. Individually there’s nothing wrong with any of them, it’s just that with recent changes to the rule in EgoPay they have now joined PM in blocking the accounts of American investors. An entirely justified fear of the US authorities is of course the obvious and only reason for this, though we don’t need to cover that again here. Currently then that leaves Payeer as the only viable option for American readers to join Exellers. But despite Payeer having no rules prohibiting US accounts, I still don’t know if they’re all that popular there. It would be hugely beneficial then were Exellers to look into expanding their options. SolidTrustPay of course would be the obvious and popular choice, however they seem to be very restrictive on who they allow these days. BitCoin would be an easier option for the admin, no restrictions on opening an account or what you use it for, and widely in use now the world over. It’s up to the admin I know, but I do get the feeling such a move will prove unavoidable sooner or later if Exellers is to be allowed reach its full potential.

The payment schedule is in itself another interesting feature to the program. Most payouts, as in interest payments, are made instantly. You will need to log into your Exellers members account area and request them, but should see the money in your e-currency account instantly. On the other hand if you try to withdraw your principal you are going to have to wait for it. The waiting time for this can be up to 24 hours, which isn’t bad but enough it is probably hoped to encourage you to stay earning for that little bit longer, though ultimately it’s still up to you. This rule won’t apply if you’ve earned back an amount equivalent to 50% of your principal in interest payments.

I just want to make a couple of other comments on the finer points of how your account in Exellers works. The interest you earn doesn’t just drop into your account like it does in most programs once per day. It’s perpetually growing, and you can watch it grow in your members area gradually creeping up by fractions of a cent in real time every second. The higher the rate the faster it grows naturally, and you are free to withdraw it as often as you like provided it has reached $0.10 or more. Just be aware of the fact that withdrawal fees are in place, and members will be charged 3% by Exellers for all transactions out of the program. Never exactly a popular rule for obvious reasons, it will eventually go some way towards protecting the cash flow and diminishing the impact of the hit-and-runners so in that sense it ironically helps you to actually earn more money in the longer run than you might pay in fees. Well, that’s the plan anyway.

Incidentally, when you are finally ready to ask for your principal back from Exellers and leave the program once and for all it’s really quite easy to do so. Inside your members account area you will find a button marked “Deactivate”. Just click on that and follow the instructions on how to leave.

There are a couple of other ways you can make some money out of the project apart from actually investing in it by the way, and this will be something of particular interest to those of you who are adept at promotional work. You can pick up $15 for making a video review for instance. For examples of what’s what you can view other members contributions on the website, though given that many of them are aimed towards Russian speakers the opportunities to make money from an English language video improve somewhat. But if making videos isn’t your forte then not to worry, because you can get a smaller reward simply for adding one of the program’s banners (available for download on their website) for display in your “signature” on the main HYIP related discussion forums.

On the more technical, security, and design side of things, the Exellers website is fully SSL encrypted by Comodo for an extra layer of security and more secure transaction and safer browsing. Hosting is on a dedicated server with the support and protection of DdoSGuard. The program is running off a totally unique and customized script, though to be honest holds no real mystery for regular HYIP players and is easy to use for most players. Most of the features to this will be well known to most of the experienced players, such as all the latest stats from the program (deposits, withdrawals, etc) in live, Real Time. Perhaps most interesting though is a virtual “demo mode” account which you can use free of charge to see exactly how your own account might look if you really go on to join.

If you have any further questions for the admin you think weren’t really explained here then you can get in touch with the Exellers support network by a variety of different methods. For example you can fill in your details in the online support form and submit it via the contacts page. You can also write directly to the e-mail addresses that have been listed by the admin if you prefer that. For a more personal hands-on approach, Exellers have a Live Chat feature included in the script, but if that doesn’t suit you there’s also a Skype account you can try to get your questions dealt with in real time. The website is available in a couple of different languages at the moment, by default this is English but having read through it myself by far the strongest version is clearly Russian. You may also view Exellers in German with French I think in the pipeline. Fans of social networking sites will be able to see the program keeping profiles on most of the popular social media platforms, but not just the usual English language ones like Facebook because the mass Russian ones like VK are also there which I’m glad to see keeps Exellers open to the widest possible audience.

At the end of the day the main selling points to Exellers have been explained above, and its up to you guys to take them or leave them. Investors who have recently grown accustomed to being put back in control of their own accounts might like this, but it’s by no means guaranteed. Making your principal available for withdrawal the day after you join sounds like Exellers are trying to create the image of reduced risk, but in the HYIP industry these things are sketchy at best. For the record Exellers don’t have much to say about any proper business activity to support this trip, not that I suggest you believe anything it might have said anyway. So remember to always treat Exellers, and everything else in the HYIP industry as a form of high risk gambling and spend only what you can easily afford to lose. And if joining Exellers at all then only do so as part of a wider more diverse portfolio.



FinMutual (reviewed here) remains one of the top performing long term programs on the MNO monitor in terms of stability and fast payouts. The wide choice of payment options (FinMutual accepts SolidTrustPay, EgoPay, PerfectMoney, PexPay, OkPay, BitCoin and LiteCoin starting from a $25 minimum) and sustainable investment plans including 1.8%-2.6% for 160 business days with no principal back helped the program run for over eight months now, and bring the first investors to profit on completion of the first investment cycle. I firmly believe that if we had more such programs we might see a stronger industry with programs run by admins who try their best to deliver and live up to the high expectations investors place in them. As FinMutual has been running flawlessly for many months now all the admin actually has to do is to update members from time to time on features they might not be aware of or simply forget to pay closer attention to. So, yesterday he sent a short update on minimum withdrawals allowed in EgoPay and SolidTrustPay as explained below:

FinMutual Processor Withdraw Minimums
We are sending out a message regarding a number of members who are still submitting withdrawal requests that are below the minimum transfer amount of the processor you have chosen. It is important to remember each processor has their own transaction minimums for sending funds. Please do not submit withdrawals of less than $1.00 for EgoPay and of less than $0.50 for SolidTrust Pay. They cannot be processed because of the minimums set by those processors for transfers.


Although there are still a couple of days to go before the official launch of AdShareCycler scheduled for the first of April, the admin keeps sending promotional emails to members reminding them how the program will work and what advantages he sees to joining. I don’t see what he’s trying to achieve with this myself as that whole era of huge launches is now a thing of the past. Most investors care more about the quality of the program than the admin’s ability to drum up some hype aimed mostly at newbies anyway. I can’t even introduce AdShareCycler properly now as only the funding account option is open while buying adpacks is still inactive until launch. Therefore, I don’t believe anyone should follow the admin’s advice posted in the newsletter on funding an account before you can earn. If nevertheless you’re still interested in investing with AdShareCycler once the program goes live then you can wait for the introduction and the follow-up more detailed review of the program coming soon. I’ll just re-post this newsletter from the admin sent yesterday:

A very big Welcome to all our new members!
you’re at the right place to make a lot of money, with fun and by doing very simple tasks upgrade invite your friends to sign up with your referral link if you want to make more income from the amazing referral bonus from the system – 3 Levels Deep !!! these is truly amazing !!!!!!!!
withdrawals from the AdShareCycler system is going every 8 hrs that is three times daily within 24 hours but your E wallet is credited every 30 minutes with your earnings,
what do you do now?
– log in to your AdShareCycler Ad account, and fund your Wallet if you have not done that, to be on the earning side by LAUNCH HOUR which is 2days 23 hrs as at the time of posting these news letter.
– tell your prospects and referrals who have been waiting to get in
Healthy growth promotes more money and prosperity for everyone, so get ready for Great times ahead in AdShareCycler.
AdShareCycler system is going to be absolutely fantastic, especially with the highly advanced advertising system, in which you get to spend your credit, so hold onto your seats, folks!
It’s really true, and people are already taking full advantage of this system in big numbers.
All the components of an Amazing System Tell your teams to GO GO GO!
Keep Building Your Business! Making Money ! At ADSHARECYCLER.!!!!
Where EVERYONE makes money! no matter your Geo Location Take Advantage now
Best Of Regards. Alan Kimpel


It appears LuckSeven has collapsed and the admin pulled the plug before the completion of its first 7-day plan. The very first investors broke even today and the small withdrawals were still processed today but it’s 100% confirmed now that LuckSeven has been paying selectively and should be avoided at all costs. It seems the number seven was lucky for the admin only and not for the investors. The admin, by the way, confirmed today that he failed to run the program properly and stated the reason as an unusually high amount of deposits from investors during the first three days online and a drastic drop in interest following that. I myself watched a strange pattern surrounding LuckSeven and can confirm that people from my downline did invested big at the start but dropped it fully very quickly afterwards. I can only speculate as to the reasons but have no reason to doubt the admin when he says it was bad timing to launch the program or too much hype surrounding it due to big levels of advertising. Anyway, the admin says he himself was unhappy by such an unfortunate end but was but able to continue. He also pledged that for his next program he would try to analyze the mistakes in LuckSeven and improev. Please note that investing in LuckSeven is now moved to Problem status on MNO monitor!


Here is the list of the programs from my monitor that paid me for the last 36 hours:
From MNO Sticky list: –
From MNO Premium list: DublinCryptoriumLimited, FinMutual, RockwellPartners, InvGlobal, RemiTrade, BTCArbsForexStructure, Exellers.
From MNO Standard list: XAxisInc, GrandForexLimited.
From MNO Basic list: ThaiMonetaryFund, ZeusInvest, MichaelKazakov.

That’s it for tonight, guys. I hope you enjoyed reading and come back next week for more information. I decided to extend the current MNO TalkBack poll on seasonal factors affecting the HYIP industry for another couple of days. I’ll conclude this next week, so please keep voting as the current opinions are very much divided indeed and I would like to see a clear result. Check out my monitoring page before investing and follow me on Facebook and Twitter where the links to all the important articles on MNO are re-posted. See you all soon!

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