February 2015 Archives

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Hello everyone! It’s been a couple of days since I was able to post, but I was extremely busy at home after returning to my house in Wimbledon from South Korea, and of course jet lag doesn’t help much either. Must say that my 7-week journey through four countries of South and East Asia helped me experience a different lifestyle and better understand other people’s day-to-day lives. Anyway, traveling always makes you a little bit wiser in the end and gives you a different perspective on life, which is partially why I enjoy it so much and exploring something new.

The other priority in my own life that I can’t do without is, of course, running the MNO website and those of you who have been reading me during all these years know perfectly well that my commitment to what I do has always been absolute. That’s the main reason why MNO has become the most successful English language blog in the HYIP industry as the unique content with a personal approach. Not only have I been able to achieve many things professionally, but I also managed to secure my financial future and settle in London while carefully placing my income from the HYIP market into offline business which is now the main source of my income. I must tell you that in rare cases the HYIP industry will make you richer (both financially and mentally) but I can say I was blessed to obtain these things in great abundance. That by itself gives me unique leverage which you won’t find on any other monitors – I deliberately cut off the fast scams by keeping prices high and am going to keep it that way for the foreseeable future. I clearly see that this approach works wonders and allows readers a far better chance to be in profit from these money-games. At the same time, it also benefits me personally as it saves me wasting time. At the moment when the HYIP industry is at its lowest since the LibertyReserve collapse after the EgoPay scam, many HYIP monitors are still tainted by listing too many really fast scams. I see many investors suffering great losses, leaving them desperate and preferring to leave the industry completely.

The MNO blog then remains the last outpost where you can find truly successful programs that have proved themselves to be tremendously successful among investors. We don’t have many such programs left, mind, but those programs on MNO are probably the best of the best for now and you can read more on the most popular of them in the latest Top Five article posted here. I’m often asked when new programs are going to be listed but I can’t really answer that question. It just depends on when the good admins that are not running any programs right now see the opportunity to get back in the game. For now though please be extremely careful and choose your new programs with great caution as they generally tend to scam you fast, and remember that all the truly high quality programs run by experienced admins can be found only on MNO. The proof of that is in the results – MNO had no scammed programs from either the Premium or Standard Lists for over a month now. That means that you could have earned a fortune if you took the chance, so please bear with me as we will eventually see the HYIP industry back normal.


The first thing I would like to tell you is about the new ShoutBox that was installed on my blog and monitor just yesterday. I already explained the reasons why I decided to drop the old version, and the other one you saw in place for the last couple of days was just temporary while my programmer Andrew worked on the new one you can see now. The new ShoutBox will allow readers to register an account and start posting within minutes (after you confirm your email address), so you don’t need to ask for my permission before creating an account there. All healthy discussion and debate is allowed, but only in regards to the programs monitored on MNO to avoid spam from the admins and paid posters from scams. I must say that the new ShoutBox already won some very positive feedback from readers so I’m glad that everyone likes it. I myself see a lot of potential in the new MNO ShoutBox as it has a lot more features I can fully utilize to give readers a better experience when the industry starts to get busy again. So please feel free to create an account, your opinions are always welcome there and are as important as anyone else’s!


In other news I want now to look at the results of the latest poll running on the MNO TalkBack page asking what the favorite payment method used by HYIP investors is after the unfortunate scam by EgoPay. So, the first and undoubted leader in the HYIP industry according to my readers is predictably PerfectMoney. This is by far the most widely used payment option supported by 60% of the voters as the most convenient payment method to invest in HYIPs. PerfectMoney is known for its low fees applied to verified accounts which are charged to the sender of the funds and not the recipient. The drawback of PerfectMoney is the inability to fund and withdraw from the account without third-party exchangers and the deliberate exclusion of US residents that are not allowed to have accounts there.

The second place was taken by Payza which scored 26% of the voters. Payza has triumphantly returned to the industry just last year following registration by US and the UK authorities. Following this lengthy and painstaking process they are now ready to serve you, especially if you reside in the United States and /or are a bigger investor with more serious amounts to throw around. The main disadvantage of Payza is the relatively high receiver fees of 2.5%+$0.25 per transaction, but on the other hand as you don’t need any exchangers to fund or withdraw from Payza you save money in other areas. There are plenty of options including direct bank wires and transfers, credit cards, and Bitcoin. So far I have only two programs on the MNO monitor accepting PayzaRockfeller (reviewed here) and CryptoStrategy (reviewed here) – but that number will surely increase once more big admins start launching their new programs later in the year. An account with Payza requires a much stricter verification process so by choosing programs with a Payza automated payment button one can be sure that a program is run by an experienced admin who made some effort to provide members with convenience and attract larger investors. In my opinion, Payza have a really bright future in the industry, and by not accepting it the admins simply lose about a third of their potential audience by refusing bigger spenders.

Finally in third place is BitCoin which got the remaining 14% of the vote. Once the crypto-currency was considered as the best alternative to LibertyReserve, but now it’s very clear that BitCoin not only losing PerfectMoney that still holds the biggest share of the HYIP market, but even lost its runner up position to Payza. The constantly volatile BitCoin market led to somehow paradox situation when an investor could actually lose money even if he profits from a HYIP as the value could decline. Trading now in the window of $200 to $250 per 1 BTC, the role of BitCoin in the HYIP industry will remain insignificant in the near future, with hard-up followers still seduced by its total anonymity and the lack of control which could the best option for some, but inappropriate thing for many others.

Also included in the poll was Payeer, but it didn’t get any votes at all. It looks like this shady payment system / exchanger which recently simply disappeared for three days without any explanation following a loss of $200K in the EgoPay scam is not considered reliable by many investors. Perhaps with its limited share of the market and increased competition from others it will soon cease to exist.

For the next poll I want to ask your opinion on the month of February that was seen by many as even worse than January which was already very slow in the industry. It looks like instead of a recovery of investment activities in February there appeared to be more cheap and fast scams on other monitors that brought the HYIP industry to an almost total standstill. The professional admins are still waiting for the market to recover, the fast scammers are dominating the market by constantly releasing programs where no one is in profit except for their owners, while the regular investors are too scared by such continuous bad programs and so wait for the really big programs to be launched in spring. So I would like to ask you about your own experience so far in the month of February compared to January. The exact question is this: What do you think is the general situation in the HYIP industry for February compared to January so far?
1) Very much improved
2) Somewhat improved
3) Remained the same
4) Somewhat deteriorated
5) Very much deteriorated

Remember that by voting on the MNO TalkBack you make a valuable contribution in the analysis of the current trends and help break down the HYIP industry to help others and eventually yourself. Your vote is highly appreciated and the results will be drawn next week.


Getting back to the subject of payment processors for a moment, I want to talk a bit about the almost forgotten SolidTrustPay. Somebody pointed out on the MNO ShoutBox recently about the deliberate omission of SolidTrustPay from the poll, but I find it impossible to include them as at the time of writing there are no programs from my monitor accepting it. I mean I’ll always keep my fingers crossed that the situation changes in the near future but I’m aware of the fact that it’s extremely hard to be approved by them now, meaning that STP gave up a huge share of a highly profitable market with their own rules. Once the most widely used payment processor serving the HYIP industry, they have now decided to concentrate on other things. But for the benefit of those who are still using it I’ll re-post the latest update from their blog regarding the upcoming holidays on Monday for Canada and the US during which customer support will be limited:

Bank Holiday – Monday, February 16th
Please be advised that SolidTrust Pay’s office will be closed on Monday, February 16th for Family/Heritage Day (Canada) and President’s Day (US). As this is also a bank holiday, members are reminded to add extra processing time for deposits, withdrawals, and e-currency exchanges.

By the way, SolidTrustPay is also replacing their debit cards pretty soon, and that the current card holders will be able to get a new one next week for a token fee of $2.50 to cover postage. Well, that’s what they said in the email sent to card holders (including me), so for the benefit of the fellow STP users please refer to the latest update:

Thank you for being a SolidTrust Pay member! We are contacting you to advise that STPay is moving to a new, significantly better debit card program! The previous program has not met STPay expectations and standards (delays, errors, omissions, etc) and our members deserve only the best.
All members with our existing INTL MasterCard will be provided with a FREE replacement card and only a small shipping charge applies. (The fee for shipping is $2.50 USD for regular mail or $28 for courier, and will be charged to your STPay account).
On February 17th you will be able to login to your STPay account and order your FREE replacement card. The card provide will need updated identity and address documents. If the ones you have previously supplied are
older than two months or expired, please have new ones ready to submit with your application.
Sincerely, STPay MasterCard


Those of you with the privilege of being a member of the best program of the year so far (that’s CoinAssets, reviewed here) might have noticed that the admin started issuing several updates per day. I can barely keep up with him and re-post all of them, because a lot of it tends to be repeated. I’ll just highlight the main features from the updates by quoting them and giving my own comments for the main points.

1. CoinAssets doesn’t accept EgoPay anymore, but for some strange reason I can still see that you can fund your e-wallet in the member’s area using it. Moreover, although it was not officially said in the update none of the previous exchange requests from EgoPay to PerfectMoney, Payeer, or BitCoin were completed by the admin and I heard some complaints on the MNO ShoutBox regarding that. He eventually claimed that the withdrawals would not be processed via EgoPay, and that the program’s funds are frozen, but then why he keeps the EgoPay funding button still active instead of just removing it altogether remains a mystery:

As many of you are aware since the beginning of this year Egopay has been on the decline. We are officially no longer servicing Egopay. They have now frozen our funds and we cannot send transactions just as many other companies have had that happen to them. Egopay has been considered a scam processor for some time now and we now officially can no longer do any sort of business with them.

2. CoinAssets offers some generous exchanges from Payeer to PerfectMoney and BitCoin and will pay you 25% extra for that. Earlier the admin explained the need for more Payeer funds and the inability to fund the account via traditional exchangers. However I already told him that the Rchange.net website has about $11K in Payeer funds and is ready to take PerfectMoney for only a1% fee, so what is the real reason to offer 25% for private exchanges if you could do it easily with a professional service so much cheaper? I find it highly suspicious and therefore believe that this offer should be avoided. I do not see any reason why the admin would pay you 25% extra to your PM or BitCoin just by sending you Payeer funds which he can do so much cheaper by using an approved exchanger service or simply enabling the exchange service inside of your account area (I’m sure many Payeer investors of CoinAssets would be pleased to be paid via PerfectMoney or BitCoin with a 25% extra bonus, wouldn’t they?). Anyway, here’s one of the emails on the exchange offer:

CoinAssets is purchasing Payeer funds +25%
We are currently seeking to purchase Payeer funds to meet the demand of our users. If you would like to make an exchange of your Payeer account funds into Perfectmoney or Bitcoin you will receive a rate of +25%. This means for every $100, that is a $25 premium. For example, your $100 Payeer.com balance can be exchanged for $125 in Perfectmoney or Bitcoin. Please contact us if you can provide an exchange.

3. Do not expect fast payouts from CoinAssets. Since the program first came online nearly ten weeks ago the admin always pays within a 48 hour timeframe on its 4% to 6% daily for 90 calendar days plans. Remember that the payouts are processed closer to the deadline, so it’s very important to watch this and create unnecessary panic on forums until your time expires. Since the advertised shortage of funds in Payeer, CoinAssets increased the timeframe for such withdrawals to 72 hours from the moment you submit your withdrawal request in your account area, so please be patient:

Please remember all payouts besides Payeer are subject to our terms of up to 48 REALTIME HOURS (not 2 days/dates) when there are no extenuating circumstances such as the e-mail server downtime. We are now catching up with e-mails and support tickets.
Payeer withdrawals are still subject to up to 72 HOURS for processing depending on the size of the withdrawal as Payeer was down for many days and it is difficult to purchase enough Payeer funds at the moment. Once we are caught up we will resume Payeer’s terms of up to 48 HOURS for Payeer Withdrawals as well.
Our withdrawal terms are not 2 and 3 days (as you can see in your member’s area). It is the hours counted. For example a withdrawal submitted, on February 11th at 11:59PM does not count as a day (this is just an example of how the member’s area works).

4. Finally, for those who do create unnecessary panic and post bad votes regarding the program’s payout schedule will be suspended. I believe it’s the only possible solution to the matter as some impatient investors could really hurt CoinAssets which has always paid within terms thus far. This final newsletter refers to the updated FAQ, so be careful about that and contact the admin first if you do not quite understand the payout schedule:

What are grounds for suspension of an account?
We have updated the FAQ with a very important question and answer at the very top of the FAQ page of our website. We strongly urge users to adhere to our rules, specifically the one and only rule that will affect a user’s account status.
Q: What are grounds for suspension of an account?
A: We only have one rule to follow that we will warn a user about prior to suspending their account. The member’s area reflects the date of withdrawal submitted not the amount of hours that have passed since a withdrawal. A user who attempts to exaggerate the withdrawal time period. Some users have attempted to use the fact that the date is shown in the member’s area, not the hours that have passed to force us through monitors to pay their withdrawal ahead of another person who is entitled to receive theirs first.
NOTE: At the sending of this message, NO withdrawal exceeds our terms of withdrawals that users are subject to. Please open a support ticket if you do not understand our withdrawal terms.


Since the admin of BTPerfex Andy (read my interview with him here) introduced a new investment plan paying 3% to 6% per day with an option to get your principal returned after 10 days for a 10% fee, it doesn’t seem to have helped the program attract any further attention from investors. Quite the opposite – BTPerfex perhaps scared off potential new members by running two investment plans simultaneously now as the original plan paying 1.25%-2% for 180 days that was in place since the program’s launch ten weeks ago remains in place (read more about that in my detailed review of BTPerfex posted here). Only time will tell if BTPerfex is going to be able to bring profits to either group of investors. So far none of the BTPerfex investors has reached the profit zone, but that didn’t stop the admin in the last newsletter describing his program as the most popular in the HYIP industry. To tell you this is just exaggeration is to state the obvious, as I do not believe BTPerfex is even approaching this level yet, but I admire his optimism. So far, BTPerfex only pointed out that the previous plans were not popular (by adding others), the design was changed and the minimum to invest was decreased to $10 (you can still invest via PerfectMoney, Payeer, and BitCoin). I therefore believe that the potential for growth for BTPerfex is not so huge, seeing that for over two months online the program never took a place in the Top Five Popular Programs on MNO (read the article on that here). Anyway, the latest newsletter was not so modest, but read it yourself to see what I mean:

A Personal Thank You Mail From BTPerfex…..
This is Andy admin of BTPerfex and this email is to thank you all for your enormous support, BTPerfex is now the most popular, best, hottest and huge potential investment site of 2015!
I am thankful to everyone, from the bottom of my heart! Please always remember to invite all your friends to BTPerfex, post all your payment proofs on the forums, share your success stories on our groups/forums, show your support by voting us on the monitors and advertising BTPerfex everywhere!
Thank you everyone very much for your amazing support!
Join BTPerfex Groups and discuss:
FB: https://www.facebook.com/groups/btperfex/
VK: https://vk.com/club87156799
Thank you Andy. BTPerfex.


BITC1 (reviewed here) is in a better position as the program has been online for quite a long time (since July 2014) and by slowly growing and developing it has managed to bring profits to numerous investors. Although I cannot see any serious attempt by the admin Jerome to highlight his program on MNO (no advertising banners), there was an interview with him published on my blog earlier which you might be interested in reading here. BITC1 has become one of the more popular programs and the steady development made it necessary to promote it in local markets. With that in mind a regional representative program was established where you can apply by following the procedure highlighted in the latest newsletter from BITC1. Before that I’ll just remind you that BITC1 is accepting investments from a $10 minimum via PerfectMoney, Payeer, BitCoin, and (for some unknown reason) EgoPay. You can invest either in the daily plans paying your principal back on expiry – 2.4% for 15 days, 2.5% for 25 days, 2.7% for 55 days – or go with paying once on expiry plans – 350% after 15 days, 250% after 30 days, 750% after 27 days, 600% after 45 days, 1260% after 60 days. The second group I would not recommend though, as they require high minimums and are quite risky. More news from BITC1 can be read in the newsletter below:

BITC1 – One Of the Best
BITC1 has been among the Top Choice of popular financial monitors and blogs for a while. We are glad to acknowledge the fact, BITC1 is gaining more popularity, receiving a lot of member registrations from people worldwide. Basically this has led to increasing the number of requests to become a regional representative of our program from various parts of the globe. As the result, the management of BITC1 has taken a decision to start accepting regional representatives. As reported in the latest newsletter, regional representatives are going to play a very important role in marketing and support areas. BITC1 has already received offers from many countries in the world.
Within a more than 225 days online the number of members is reported to be more than 14050. The monitoring rankings are going up thanks to using a more aggressive advertising strategy. The essential part of this strategy is voting on monitoring sites, and the latest newsletter invites every investor to vote for the project, posting the payment proofs, both on forums and monitors. As a reminder we are telling that their members are the ones who contribute greatly to the development of the project. Once there’s a support from clients, the program is working in the most efficient way to overcome any circumstances. Once again, it’s a typical approach towards advertising for the majority of such Programs.
The representative system is fully available so you can find a representative in your Country at easy way. We are open to further cooperation so you are welcome to become our official representative in your country.
What are the responsibilities of the regional representative?
consulting clients on the services of the company;
attracting new customers to the company;
holding regional advertising campaigns;
organizing training seminars (optional).
Interested in becoming a BITC1 regional representative?
You should to provide next information:
Your Country: Your Name: Your Username in our Program: Your E-mail: Your Language Spoken: Your Skype: Your Facebook: Your Tel. Number if it available:
Just send us a request at representative@bitc1.biz, and we will contact you within few days to discuss the opportunity of our further cooperation.
Please don’t forget that we have “Referral Contest” for our members so From 19th of January 2015 year, if you bring referral who made deposit with more than $2,001.00 per one time you will get additional bonus 3% from every such deposit.
Also if you bring more than 5 active investors with deposit more than $501, you will get Extra bonus $100.
We are trying to provide excellent services for our clients and partners.
For our Representatives we have good bonuses as usual.
Thank you for staying with us.
Kind Regards, Jerome Van Eller
BITC1 – Your Crypto Provider


Here is the list of the programs from my monitor that paid me for the last 84 hours:
From MNO Sticky list: –
From MNO Premium listCoinAssetsRockfellerBITC1CryptoStrategyBTPerfex, AtrexTrade, RollNRich.
From MNO Standard list: CompassBusiness, HashCoin.
From MNO Basic list: ForexShareOgdenOrganization.

That’s all for tonight, guys. I would like to finish by the interesting fact I noticed on London trains today – one the main city stations Waterloo was temporarily renamed to Waterlove to highlight the importance of the day. Brought a smile to my face, anyway. So I hope you’re enjoying Valentine’s Day if it’s something you happen to celebrate. I’ll see you on my blog sometime next week, and have a good weekend. Don’t forget to check out the MNO monitor for any status changes before investing and share your thoughts on the MNO ShoutBox which is even more attractive now! See you soon, folks!

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