December 2015 Archives

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

Hi all! If you were reading MNO yesterday you’ll have seen the first introduction of a fairly new short-term HYIP to my monitor’s Premium List called PrimeBankers which has been online for around the last week and a half or so now. At first glace you might think PrimeBankers is similar, almost identical in fact in terms of organization and structure to a lot of the programs that dominate the short-term side of the industry. To a certain extent you’d be right, but in reality there’s a lot more to PrimeBankers and it’s a lot more impressive than most if not all of the same style short term HYIPs they are in direct competition with. I’ll talk more about that as we go. So before we get to the main news stories of the day in the second half of today’s post I want to take a more thorough look at how PrimeBankers works and whether you think it might be worth your while joining or not.
Starting things off with the investment plans then, PrimeBankers have the usual mix of what we’ve come to expect from programs like this, i.e. some options that stand a reasonable chance of making a modest profit for sensible players, and others that are a significantly higher risk and unlikely to interest the more experienced investors who know the difference between what can and can’t be realistically achieved. Anyway, one of the most appealing aspects of the program is the level of affordability on offer. From the six plans available, PrimeBankers require a minimum deposit of just $10 to join any of them. And to put it bluntly, no matter how high a risk is attached to any online investment program with prices like that it’s nobody else’s fault but your own if you start gambling with more than you can afford to lose.

The first plan then runs for a term of 1 calendar day. PrimeBankers will make one single payment on expiry of 102%, principal included. This rate applies to all deposits up to a maximum value of $150. Higher rates apply to higher deposits, and deposits from $151 to $500 are offered a return of 103%. Bigger investors are offered 105% on amounts between $501 and $1,000, and 107% for deposits between $1,001 and $1,500. Check out your private member’s account area for information on deposits larger than $1,500 if interested, and the maximum deposit is $50,000 which applies to all investment plans.

Naturally the bigger your investment the more difficult it’s going to be for the admin to come up with the payment. In other words an investment of $100 is a lot more likely to get back 2% interest than let’s say the maximum $50,000 is to get back the 22% being offered on that. I suggest you keep this strategy in mind for all of the PrimeBankers investment plans.

The second option also needs just a $10 deposit to join, though for this one the waiting time is 5 calendar days. All investments to a maximum limit of $150 are offered 115% paid back on expiry, principal included. So for a $100 deposit here PrimeBankers are offering $115 in return. Anyone spending from $151 to $500 is offered a payment of 120%, principal included. And for the bigger spending players PrimeBankers offer 130% for deposits between $501 and $1,000, and 140% on anything from $1,001 and $1,500. If you’re looking to play with more that then look at your PrimeBankers member’s area for further information on the rates being offered.

Next is a plan running for 10 calendar days. In return for a deposit of $10 or more to an upper limit of $150, PrimeBankers offer you a return of 150% interest on expiry. With your principal included as part of that, a $100 spend here we hope will bring a $150 return. Alternatively for bigger spending investors PrimeBankers offer for deposits between $151 and $500 is 170%, principal included. And for amounts between $501 and $1,000 it goes up to 195%, while for anything between $1,001 and $1,500 the rate is 225%. Check the members account area if you wish to see what’s being offered to deposits of anything above that.

PrimeBankers‘s fourth payment-on-expiry plan runs for a term of 15 calendar days. The admin still asks just a $10 minimum to join, so despite what looks like an ever growing risk on paper, financially speaking it really doesn’t have to be. 180% is the return being offered to all deposits to an upper limit of $150 with your principal included. That means a $100 spend here is offered a return of $180. PrimeBankers offer 210%, principal included, to amounts between $151 and $500. And for anyone looking to spend a bit more than that PrimeBankers up their offer to 250% on amounts between $501 and $1,000, and 300% on anything from $1,001 to $1,500. If you want to know what’s available to amounts bigger than that you can see from inside your PrimeBankers members account area.

Next on the list is a plan running for 25 calendar days and paying once on expiry, so you can see yourself how the risk is constantly growing. On the other hand you still only need a $10 minimum to invest. PrimeBankers are offering a return of 335% on all deposits to a maximum value of $150, principal included. Amounts between $151 and $1,000 are offered a rate of 395%. For an even bigger risk the offer is 470% on amounts from $501 to $1,000, and 560% for sums between $1,001 and $1,500. Anything above that can be seen in your PrimeBankers members area.

This is followed by plan number six, PrimeBankers final investment option. Running for 40 calendar days, it offers members one single payment on expiry. Deposits remain at a $10 minimum, and PrimeBankers offer 575%, principal included, on deposits up to $150. For deposits between $151 and $500 that offer increases to 685%. Amounts from $501 to $1,000 are offered 820%, and anything from $1,001 to $1,500 is offered 985%. Check the PrimeBankers members account area for information on anything bigger than that.

If you like any of those plans enough to join then the next thing I need to cover is what are your payment options. This is where PrimeBankers really excels and is a far superior program to much of the competition. Regular readers will all already know how I favor more verifiable processors, however for an awfully long time now it’s been almost unheard of for short term HYIPs to do successfully. This is something the PrimeBankers admin has managed to put right. All the usual anonymous processors are included of course, you can join the program using any of PerfectMoney, Payeer, OkPay, and AdvCash if you prefer regular style payment processors, or BitCoin if you favor more modern digital e-currencies. The main selling point for a lot of people however, particularly the more serious investors, is the inclusion of verified and approved SolidTrustPay, Payza, and Neteller accounts which will really improve the mass appeal of the program. The admin has also gone on record as saying he hopes to add Skrill in due course, something which I have no reason to doubt. If/when he succeeds in this I’ll make sure you hear about it on MNO first. Withdrawal requests are dealt with by the admin manually and need to be requested from inside your PrimeBankers members account area. Under normal circumstances these should all be completed within 12 hours – speed being vital for the survival of short term programs like this – but if there are any problems which the admin is not responsible for such as technical issues on the payment processor’s side then it may be needed to extend this to 48 hours. By the way, for anyone new to Neteller and looking to make further use of it in their HYIP investments PrimeBankers include a section of the website given over entirely on how to use it.

On the subject of design and security PrimeBankers is also up to a suitable standard for a program like this. The design itself is, in my own opinion anyway, quite professional looking. In fact it really doesn’t look anything like your typical short term HYIP template and is much better than that. If anything the PrimeBankers website is closer in appearance some of the more professionally managed longer running sites, though don’t let that cloud your judgement when it comes to deciding how much you want to spend and on what plan. The script is under license from GoldCoders, something that brings its own trademark customer friendly uncomplicated appearance. So PrimeBankers is as user friendly and easy to navigate as any other program using this script. For hosting you will find the PrimeBankers website being kept on a dedicated server with the support and protection from malicious attacks provided by the ever reliable BlackLotus. For an extra layer of security PrimeBankers are also using the superior Green Bar version of SSL encryption by Comodo for safer browsing and more secure transactions. Also from inside your members account area you will be able customize your personal security settings to allow or block any access to your account from different IP addresses or web browsers.

If you have any further questions about the program, account related issues that need dealing with or any other reason to contact the admin then you have a couple of options open to you. The first option is to fill in your details on the online customer support form and submit it through the website’s contact page. Otherwise you can write any more detailed enquiries to the PrimeBankers admin at the e-mail address listed, thought I would guess either method will still land your enquiries in the very same mailbox. For something more personal you can see a telephone number listed with a Hong Kong dialing code, so you can give that a try if you think someone might answer. I mention the country code simply because I find it interesting that the SSL certificate is for a postal address in the Philippines where PrimeBankers is apparently registered as a company, though this is of little consequence as far as joining the program and getting paid is concerned. Fans of social networking sites will be able to find PrimeBankers with profile and group on Facebook as well.

As for any alleged business plan to help with the payments, this is simply stated as “manufacturing”. There’s quite a lot of texts to read on the website, though none that I can see to specify the products allegedly being manufactured. Not that I was suggesting you look too far into it anyway, as even if any of this was true there’s still nothing to guarantee it has to be profitable. Just treat PrimeBankers as any other high risk form of gambling, enjoy it for what it is while it lasts, and don’t take anything too seriously. A lot of people have already made some money from the program, I’m sure more will follow, but still, remember to stay well under a sensible spending limit you can afford to lose, and if you do join PrimeBankers then try to use them as a smaller part of a wider more diverse portfolio.



Sometimes newbies in the HYIP industry ask seemingly obvious questions for experienced investors, but at the same time a lot of things about this business are confusing if it’s your first time. Such questions are a subject of concern for the admin of the above reviewed PrimeBankers so he thought it helpful to dedicate an entire newsletter to explain how to add payment processor details to your account area. I guess this will be useful for many investors both in PrimeBankers or any other program, and as the program really offers an excellent choice of payment options you may find the newsletter useful for you too, especially if you’re not dealing with some payment options on a regular basis but would like to create accounts in them in the future. Remember that the right choice of the information you put in your account details with PrimeBankers ensures smooth and trouble-free payments from them. Here’s the newsletter on that for your reference:

Reminder to fill out your processor details
Good day. This is to remind everyone to kindly check your payment processor details in your profile at PrimeBankers. Kindly make sure that you have the correct payout accounts for your processors. Here is a guide for your reference.
PerfectMoney Account – This is the USD Account number, it starts with U and has 8 digits, e.g. U12345678
Payeer – This is the login account number you use. It starts with P and has 8 digits, e.g. P12345678
Neteller – This is your e-mail address registered in your Neteller account.
Payza – This is your e-mail address registered in your Payza wallet.
Solidtrustpay – This is your login username for STP. Do not enter your e-mail address here.
OKPay – This is your wallet account number, it starts with OK and digits after it. e.g. OK328503225
Bitcoin – This is your wallet address for Bitcoin.
We are sending this information as a reference to those with incomplete or incorrect payout information in their accounts. Please note that we will not be able to process these withdrawals if your account on file is incorrect or is blank. We have a few pending and have been sent e-mail notifications to correct or send us the correct account information for the said processors.
To avoid delays, kindly check your accounts now.
Thank you for your time reading this e-mail.
Regards, Terrence Hill
PrimeBankers Manager


Sadly I have some bad news today with two programs looking as if they’re on the verge of collapse – GrandRialtoLimited and CustomFunds. Let’s talk about why I think so and what might have went wrong.

Let’s start with CustomFunds. Today I received several confirmed reports about delayed payouts from readers which I verified by logging into their accounts. Since the admin failed to respond to my email on this I suspect that at the moment CustomFunds are only processing payouts to selected monitors and members with smaller withdrawals while ignoring the larger ones. While the program was listed long enough for members to make a profit the overall result was quite disappointing, especially considering CustomFunds have been paying for nearly a month before actually being listed on MNO. So what might have happened? I suspect that the extended downtime when CustomFunds was inaccessible to members over more than 12 hours last Saturday night and Sunday morning scared off many investors who would have otherwise considered re-investing and prevented many new members from joining and making new deposits. As a short-term program with fast payouts the admin of CustomFunds was really shooting himself in the foot when he didn’t think about upgrading his hosting provider from GeniusGuard to something more reliable and expensive once he started to step up his advertising campaign last week. And so, over the weekend the inevitable happened and the site was DDoS-attacked (according to the admin) and the panic spread on investment forums didn’t help restore confidence even after the payouts resumed later on Sunday. Due to the program’s short-term nature and therefore the significant reliance on constant positive cashflow the attack reduced it significantly and therefore more investors started withdrawing than depositing, which continued yesterday when seemingly only the smaller withdrawals were processed with bigger ones left pending. You might remember that even keeping CustomFunds on Paying Status on my monitor I warned on my blog yesterday about possible cashflow issues and asked investors to be careful about re-investing. Further complaints have surfaced regarding larger cashouts put the final nail in CustomFunds‘ coffin and it collapsed today. I now have no other choice but to move CustomFunds to Problem Status on my monitor. Please do not invest there anymore and if you’re still getting paid by the admin please consider yourself lucky and withdraw while you still can.

As for GrandRialtoLimited, apparently the addition of the new short-term investment plan yesterday was indeed a warning sign many people dismissed. This was due to the fact that the admin enjoyed great success on doing the very same thing just a few weeks ago and a deceivingly low $500 maximum deposit limit for joining. Just earlier today a strange error appeared in members’ accounts in GrandRialtoLimited and no one was able to withdraw due to a “maximum limit reached” error. This was later rectified by the admin and while the website is still loading very slowly that was not the reason I have moved it to Problem Status on the MNO monitor. The reason is the strange behavioral pattern of the admin who managed to cancel quite a few pending withdrawals for larger payouts from several people (including one of my referral’s with a confirmed deposit there) and returned them to balance without any reason and/or explanation. While answering my emails quite fast every other day, I’ve now simply been ignored when asking to explain why this had happened and when people with pending withdrawals were going to be paid. That makes me suspicious that GrandRialtoLimited might is paying selectively now and, as a preventive measure, I have to move it to Problem Status on the MNO monitor as of now due to suspected selective payouts. Please do not invest there until further notice and I will update you on my blog if anything changes by Thursday. Otherwise, both GrandRialtoLimited and CustomFunds will have their statuses changed to Scam shortly. Please be aware of that and do not make any additional investments in either of them.


As today’s the first day of winter and the often unlucky month for investors of December it’s time now draw the final results of the latest poll on the MNO TalkBack page. The question asked sounded “What is your take on December 2015 and what is your investment strategy for the month?” The most popular answer with 50% of the vote said they “will slow down my investments and try to find only the best picks”. That might be a wise strategy for December, as though widely known as a month for fast scams, this month often sees some really good longer term investment opportunities opening up that continue long in to the new year. The second most popular answer to the poll shared by 31% of the MNO readers said they will “increase their investment activities as they need to earn money for Christmas presents from HYIPs”. That’s an understandable position for the festive season, but such people should be more selective and not join every low-budget scam they’ll find in abundance on other cheaper HYIP monitors and stick with MNO instead to find only the best. Not really a popular answer with only 15% of the vote, some readers “will keep investing as usual and try to find suitable programs”. That might be yet another viable option just not to pay attention to seasons and stick to the same investment principles, especially if they worked for you over the last eleven months of the year. And finally, only 4% of readers “will stop investing completely until January for promising new HYIPs”. This is an OK option too, but we shouldn’t really forget that there is still a chance to make money in December and sometimes fortune favors the brave and not those sitting on the fence observing. Anyway, whatever answer you voted for I wish you the best of luck with your chosen investment strategy and time will tell if you were right by following it.

For the new question which will stay open for the next seven days, I believe that many admins would like to know what kind of programs people prefer to invest in during the last few weeks of the year. And judging that for some of you the investment strategy for December will be a bit different than for other months of the year, I would like to ask just that – What kind of HYIPs will you mostly invest in during December?
The possible answers will be:
1) Mostly short-term programs (1 to 7 days to reach profit)
2) Mostly medium-term programs (8 to 30 days to reach profit)
3) Mostly long-term programs (over 30 days to reach profit)

Note that it doesn’t mean that you will be investing ONLY in short, medium, or long term programs, but the question is rather what your main preference will be, provided you’re aware of the coming holidays. Thanks in advance to everyone who votes on the MNO TalkBack, remember it only takes a second and is completely anonymous, though you are free to share your thoughts if you have any on the MNO ShoutBox.


A new and highly promising long-term program called ArdexFunds stepped up its advertising campaign after running on silent testing mode since June this year. Today the ArdexFunds admin purchased Premium listing on MNO which happened almost a year since his previous program AtrexTrade was listed last December. Well, there might be a connection between the two and there might not (who knows?), but one thing is for sure – both programs are running off the same custom-made script and work off the same premise of crediting members’ accounts with a percentage of the reported company’s profits. Note though that ArdexFunds may or may not achieve the same good results as its predecessor as, even if it’s run by the same admin, there is no guarantee that they can repeat the success of their predecessor. Unlike AtrexTrade though (which is still paying after almost a year online), ArdexFunds has a specific ending date for your initial principal after which it’s available for withdrawal. Depending on the size of your principal your investment term with the program can be from 10 to 245 business days on expiry of which this gets returned. Plus, according to ArdexFunds‘s terms you may request it even before the expiry date but get paid only 50% effectively leaving the other 50% in the admin’s pocket as an early withdrawal fee. So think very carefully about this first. You can invest in ArdexFunds using four different payment processors, none of which require verification – PerfectMoney, Payeer, BitCoin, and one called RedoPay which I haven’t heard of before. ArdexFunds is allegedly a trading company with traceable records and daily profit reports. These vary from day to day but according to the historical records I see on the website they rarely exceed 2% in a day. An investor will not get this amount though, as he will be credited from 30% to 100% share of it depending on the size of his investment which can start with as low as $10, by the way. Credit will be done for the previous business day, so an investor will see profits on his account daily from Tuesday to Saturday (for the previous trading days of Monday to Friday, with the exclusion of national holidays to be announced as we go). If the alleged trading day brings negative results (an almost unheard situation in the HYIP world!) you will still be paid a 0.3% fixed rate for these days. So for example, if you invest from $10 to $50 in ArdexFunds and the reported profit for the previous trading day is given as 1% you will get 0.3% interest (which represents the a 30% share of the reported income) on the following business day. Remember that the admin promised to pay within 12 to 24 hours, so allow at least this amount of time. For more examples and explanations on how much you can earn with ArdexFunds please refer to the full review on MNO by Thursday. It’s extremely important to note as well that by default your deposit with ArdexFunds is set to 100% compounding, so in order to have it credited with the daily interest please do not forget to change it to the “off” option, or any figure in multiples of 10 if you prefer to compound partially. The site of ArdexFunds looks pretty good and one might think that it’s a genuine business which is of course impossible in the HYIP world, but positive impressions can still make or break any program. The site is SSL-secured by GeoTrust and is hosted on a dedicated server from SoftLayer with DDoS protection provided by CloudFlare. I suspect that the admin of ArdexFunds will do his best to run it for a long time and judging by his previous record of programs that ran for years on occasion we should at least hope that ArdexFunds will at least come close. Anyway, in this case you need only $10 to try it out and get your deposit back in just two weeks in the shortest possible plan. So why not at least test it? A full review of ArdexFunds will be on my blog for Thursday, so don’t miss it.


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: PokerAutomaticsCryptof, AtrexTradeHaloInvCryptoPay, PrimeBankers.
From MNO Standard list: Rhodium7.
From MNO Basic list: CartoonInvest, GloboxTrade.

That’s all the news for tonight, guys. If you like reading MNO please subscribe for the daily news to be delivered straight to your mailbox on a daily basis (the subscription form can be found on the top right-hand corner of my blog and it takes only minutes to confirm your subscription). Don’t forget to vote on the MNO TalkBack poll and say what kind of program you prefer over the next couple of weeks. Thanks for reading and see you all again on Thursday with the full review of ArdexFunds and all the daily news from the HYIP industry!

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