Dec 3rd, 2015 Archives

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

Hello everyone! As we are now into December, usually a controversial time month in the HYIP industry, it occurs to me that every year around this time one of the topics that dominates the online debate and discussions between HYIP investors often seems to be about how unpredictable things can be. However as I look through ArdexFunds, the first new program of the month joining the MNO monitor’s Premium List, there’s something worth mentioning about the season. In the light of so many fast short term scams that will inevitably start between now and Christmas, it’s often overlooked that December is often when we see some of the best long term programs for the next year first starting up. And I think ArdexFunds has a good chance of being one of them. In fact December can actually be an exceptionally profitable time for the more experienced HYIP investors who know how seek out the more serious high grade longer term programs opening over the next month or two. Well, maybe the month itself won’t be profitable, ArdexFunds is a low ROI and mostly long term program so it will take a bit longer for most investors to break even, but it should at least be the start of something good.

Despite being organized financially along different lines than most HYIPs, I think ArdexFunds have a more responsible and manageable approach to their investment plans. The thing that makes them so difficult to explain is that the rates of interest on offer to account holders are variable and can fluctuate to such a degree that it can be difficult to pinpoint your exact earnings on any given day or week. That’s not such a bad thing though and in fact it’s a policy that has served several high profile HYIPs very well in the past. By allowing the ROI to fluctuate from day to day the admin of ArdexFunds protects the program from having to meet payments that others might struggle to meet under certain situations. So the payments will be a more fair reflection of the day to day fortunes of the business and in the long run will only help sustain the program for a longer period.
ArdexFunds have six investment plans for you to look at. The size of your principal will determine the length of the investment term. All plans make payments on business days only, but oddly enough in this case business days are taken to mean Tuesday to Saturday. Which I suppose makes sense when you think of it. I mean the money earned by them on Monday would get paid to you on Tuesday, just as the money they earn on Friday gets paid to you on Saturday. The minimum amount you may invest with ArdexFunds is $10, and anything between that and a $19.99 deposit will make up Unit Zero, called that because it’s probably seen more as a testing plan for small deposits so you can check out how everything works first before making a more substantial investment. The term runs for 15 business days (which is three weeks) and while this is going on your share of the ArdexFunds daily profit will be 30%. That means that if the program announces a profit of let’s say 1.5% on a given day then your share of that would be 0.45% (a 30% share of 1.5% equals 0.45%). Your principal is then returned on expiry.

For example in the next plan, Unit A, you may invest anything from $20 to $999, so I guess this is the bracket most readers will fall into. The investment term this time runs for 50 business days (ten weeks) at the end of which ArdexFunds will return your principal. Out of the total profit generated from the re-investment of that money your share will be 40% and ArdexFunds will be 60%. So for example if your investment here was to generate a profit of $10 today, you can expect to see $4 while the admin keeps the other $6. The remaining plans work along more or less the same principals, except of course that they’ll cost you a lot more to join and run for longer terms.

For bigger spending investors Unit B will cost you anything between a $1,000 minimum and a $4,999 maximum. Your cut of the profits made by ArdexFunds here will be 50%, or an equal share with whatever the admin announces as the daily profit rate for the day. So if let’s say ArdexFunds say they have made a 1.5% today, the amount you receive is 0.75% in profits. Again this figure will change everyday so I can’t really tell you how much you will eventually finish with by the end, but the term runs for 95 business days (nineteen weeks) and ArdexFunds should return your principal on expiry.

This is followed by Unit C where a deposit will cost you from $5,000 to a $19,999 maximum. ArdexFunds are offering you a 60% share of the profits here, so if they announce a daily rate of 1.5% then you would expect a return for yourself of 0.9%. The term runs for 130 business days, which is 26 calendar weeks, at the end of which ArdexFunds should return your principal.

I doubt very much the remaining plans will get much attention. Not because they’re not attractive but rather it’s a simple case of affordability – few people have that kind of money to gamble on online HYIPs no matter what the potential return is. But just for your information I’ll run through the figures for you anyway. So, Unit D offers members a 70% split of whatever ArdexFunds announce as their daily profit for a term running for 180 business days, principal back on expiry. This will cost you between $20,000 and $49,999 to join.

Unit E is for deposits between $50,000 and $99,999. It lasts for 230 business days and offers members an 80% share of the daily profit rate. Unit F meanwhile goes back to running for 100 business days and pays back a 90% share of the daily rate if investing from $100,000 to $299,999. And the list is completed by the so called VIP plan which applies to any deposit larger than that with no upper limit. Just for the record I’ll tell you that ArdexFunds offer 100% of whatever the daily interest rate is, and the term runs for 100 business days. As with all investment plans principals are supposed to be returned on expiry.

To get a more accurate picture of what you might earn from ArdexFunds just go to their website where you can see a historical record of how much percentage profit is being generated on any given day, then calculate your own slice of it. At the time of writing the rate rarely goes past 2% at most, however there is a certain level of security there because the admin offers a guaranteed minimum. No matter what happens there should always be a basic minimum of 0.3%, though I would guess the average day-to-day returns would fall somewhere in the middle.

Before we move on I should just point out that if any of the investment terms prove too long for you and you need to get your principal back before the expiry date for some reason then ArdexFunds will allow it. However this “service” comes with a punitive 50% early withdrawal fee. In many cases this would eat in to your earnings to such an extent that it could actually place you at a loss if you try to leave too early. So just let this be a lesson to you to make sure you are absolutely committed to the plan you join and stay well within a spending limit you can afford to go without during the plan’s duration.

Payment options are, for the time being at least, a bit limited. Hopefully ArdexFunds will work on expanding it in the not too distant future, though I wouldn’t be surprised if it was a deliberate strategy to manage the growth of the program more carefully while it’s still in the early stages before expanding once the industry settles down in the new year. For now however you’re going to have to make do with just anonymous and untraceable payment options. From the more traditional HYIP industry payment handlers you have a choice between PerfectMoney and Payeer. If you prefer a more modern digital e-currency then ArdexFunds are using Bitcoin. In addition to that, and I don’t know how much interest anyone’s going to have in this, the program is using a processor called RedoPay. I’ve never encountered them myself either in the HYP industry or otherwise so I can’t really comment, I just wish if the admin wanted to give his investors more options that he’s make more of an effort to get one of the more established verifiable processors on board. Anyway, maybe he will in the new year, time will tell. Payouts to members are made manually so you will be required to log in to your ArdexFunds private members account area and make the request. Once done you are then asked to allow a waiting period of between 12 and 24 hours for the admin to complete the process. In many cases withdrawals are actually instant, and completed in under a minute. However this is never explicitly promised anywhere by ArdexFunds so please don’t go into the program feeling entitled to them. If payments turn out to be instant for you then fine, just take it as a welcome bonus but not something that’s guaranteed.

While I’m still on the subject of the investment plans there’s just one other thing I need to warn you about. Please read this very carefully because I cannot overstate how important this is. ArdexFunds allow compounding, which by itself is fine if that’s really what you want to do. Personally I don’t really go for it but that’s no reflection on the quality of the programs that allow it. However in ArdexFunds by default the compounding option is already set automatically to 100% when you first join the program, so you need to be very careful to reset that to the level you actually want it at – 0% if you don’t want to use compounding at all – before making a final commitment. You can set the rate yourself in increments of 10%, so in other words compounding can be fixed to 0%, 10%, 20%, and so on, it’s just that it’s entered for you at 100% unless you fix it yourself first.

Moving on then to the subject of design and online security then, ArdexFunds is hosted on a dedicated server by SoftLayer, while the DDoS protection is then supplied by CloudFlare. It’s not that unusual for websites to have two different service providers in this area, as long as the admin is confident he is getting the best possible options that will benefit his program and its investors. The ArdexFunds website has an extra layer of safety, being fully SSL encrypted in both public and private members account areas by GeoTrust for safer browsing and more secure transactions. What’s possibly the most impressive feature however is the script. It’s totally custom made for the program, which by itself is always a good thing as it allows the admin to develop and grow the program as their needs and circumstances change over time. In this case the script is quite sophisticated and built to a very high quality standard. I have seen it used in the past, rarely by more than just one or two programs at most at the same time, and without exception they’ve all been superb long running performers. Draw whatever “conclusions” you like about possible links between them, as a monitor I can only treat them individually.

If you have any further questions for the ArdexFunds admin that you feel weren’t really addressed here or have any account related issues that need to be dealt with then there are a couple of different ways you can try to get in touch. Mostly I suppose by either filling in your details on the online customer support form and submitting it via the contacts page, or else by writing directly to the admin at the address listed. ArdexFunds also list a couple of international telephone numbers which are supposedly active during business hours if you’d like to see if someone will speak to you directly. You’ll also notice two postal address, one in the Seychelles and the other in the UK, but generally I’d skip on that as they tend to be no more than virtual hosted offices used for mail forwarding (and very often not even that). Something else in the pipeline for ArdexFunds is a network of regional representatives. Given that the program is still so new there aren’t any names included on the list just yet at the time of writing, but contact the ArdexFunds admin for more details if you’ve done this before and are interested in participating.

Sensible plans that are both profitable to the investor while maintaining a high degree of sustainability are always going to be popular. Maybe not overnight but in the long run I would still be cautiously optimistic about the program. It’s a very original program but one that still follows a successful business model used in the past. Officially their line of business is described as “ranging from Industrial, Trading, Real Estate to Financial Services“. As with every other online HYIP this isn’t anything you can independently research and verify for yourself, and even if it were true it still can’t guarantee it always has to be profitable. But as most of you know what you are doing and are OK with the risk you take in this industry then I can only remind you to be sensible. Spend an amount you can comfortably afford to lose and easily earn back from your offline salary, and if joining ArdexFunds then do try and keep them as a smaller part of a wider more diverse portfolio.



I remember that when I first looked at the PrimeBankers website I was very surprised to see the Rating page hosted on a completely different domain. That required some time, money and effort from the admin, but also claimed the premium status of the program and its difference from other similar programs. Now there is also an official forum for PrimeBankers just launched today, again on a different domain called PremiumBoards with several threads created by the admin. Members of PrimeBankers can now use this platform to share their experience and ask any questions to the admin himself. And if that’s not enough for you then there’s a Facebook group which the admin invites you to join. It’s all covered in the newsletter below:

PrimeBankers Updates
This newsletter was sent to inform everyone that has been updated with new monitor seals and forum links. Please visit it for you to be able to rate PrimeBankers on the monitors.
We also have launched a forum for our members and would-be members. The link is Please register an account to participate in the discussion.
Please join our FB Group at
Your time is very valuable for us so we would like to thank you for reading this newsletter.
Regards, PrimeBankers Manager

I remind you that PrimeBankers is currently the hottest short-term investment program which carved a unique niche in the HYIP industry by securing the services of SolidTrustPay and Payza. Apart from those two, investments can start from $10 using PerfectMoney, Payeer, BitCoin, Neteller, OkPay, AdvCash (with Skrill possibly coming soon as well). The investment plans pay once once expiry and include 102%-122% after 1 day, 115%-235% after 5 days, 150%-555% after 10 days, 180%-880% after 15 days, 335%-1535% after 25 days, 575%-1950% after 40 days. More information on PrimeBankers can be found in the detailed review here.


There was a short reminder from the admin of CryptoPay earlier today asking members with BitCoin deposits which may have went went missing to contact him with the relevant information on every transaction and allow him credit accounts manually for those affected. I must say that the performance of BitCoin wallets lately has been nothing short of appalling and with near constant problems. I doubt very much this currency can be considered as a serious contender to its almost trouble-free alternatives like PerfectMoney and Payeer for instance. Anyway, if you think otherwise and still use BitCoin for investing in HYIPs please be prepared for such inconveniences:

Important Information on Bitcoin
If you deposit money with bitcoin and you are yet to be credited kindly write support with your username and information of your deposit for assistance.
Thanks. Admin

All in all, CryptoPay is doing well enough and I’m getting paid consistently while also not forgetting to re-purchase new units from the balance where 15% of investors profits are allocated. You see, with CryptoPay first you need to fund your account with SolidTrustPay, PerfectMoney, Payeer, or BitCoin funds and only then will you be able to purchase units costing $5 each. Your account then grows in real time, i.e. by the second and will then be able to move the growing funds to your wallet balance for withdrawal. Once you have at least $2 accumulated there, you’re able to make a withdrawal request and get paid instantly (if you’re lucky) or manually by the admin within 24-48 hours. Remember that a 5% withdrawal fee is applied to every withdrawal to cover payment processor fees, and only 85% of the funds gets transferred to your wallet while 15% goes to the so-called repurchase balance which has to be used to buy more units. That unique model of earning is used mostly by revshare style programs, and although CryptoPay is merely a HYIP the admin utilizes the model to its full benefit. An investor in CryptoPay gets credited variable daily interest (which can be anything from 2.5% to 3.25% on every weekday and 1.25% to 2% every Saturday and Sunday) and with historical records posted on the website you will get an idea on just how much you can earn. By the way, even though your unit expires at the time you earn 150% on your investment, you still cannot leave CryptoPay due to the re-purchase rule, which protects from hit-n-runners and encourages reinvestments. To find out more about all the unique features of CryptoPay please read the full review of the program here.


I must say the admin of GrandRialtoLimited Gabriel (interviewed here) gave everyone a scare when the website was very unstable over the last couple of days. Before changing hosting provider from DDoSGuard to the more reliable and BlockDos everyone had difficulties in accessing their accounts. Apparently due to some issues with the database a few withdrawal requests were not paid and moved back to balance, thus making people question the admin’s intentions and ability to pay everyone. It was for that reason and due a confirmed complaint from my referral in GrandRialtoLimited that I briefly moved the program to Problem status on the MNO monitor on Tuesday. Following the move to BlockDos I got a surprising email from the admin asking me to return GrandRialtoLimited to Paying status which was done after the admin paid referral. I have to say though I still found it weird why I didn’t receive a reply from the admin for over 36 hours which would have prevented the change of status completely. You see, any such changes to the program are damaging if the admin doesn’t communicate. It’s only natural that many people will think he is considering closing his program if no solid information is shared. In any case, what made him change his mind and keep fighting unforeseen circumstances by changing his hosting provider and resuming payouts remains a mystery. The only question now is how all these changes and scares will affect the program and whether GrandRialtoLimited will continue to perform as well as they always have up to now. Time will tell, but investing in a good hosting provider like BlockDos and putting a stop to the seemingly endless loading issues will help get GrandRialtoLimited back on its feet with investors support. Here’s what the admin had to say last night regarding the move:

The problems have been solved
Dear investors!
The last two days were very difficult for our company. Our hoster wasn’t able to fulfill its obligations and, as result, we found themselves in a difficult position. We couldn’t carry out payments to our clients, and also couldn’t provide everyone correctly operating program website. But we want to emphasize that it isn’t our fault or our mistake. Therefore we made the decision to move the site to another hoster. We are sure that it were temporary difficulties and work will completely be restored.
Watch our news.
GrandRialtoLimited – We Give Prosperity for You!
Yours faithfully, Gabriel Jakes.

GrandRialtoLimited (reviewed here) is currently the only Sticky listed program on the MNO monitor accepting deposits starting from a $10 minimum via an abundance of different payment systems including SolidTrustPay, Payza, PerfectMoney, Payeer, BitCoin, NixMoney, OkPay, and AdvCash. There are a few plans on offer paying daily and returning principals on expiry – 2.05% for 5 days, 2.15% for 15 days, 2.25% for 25 days, 2.45% for 45 days, 2.95% for 65 days – while others only pay once on expiry – 600% after 30 days, 1500% after 60 days, 300% after 35 days, 1000% after 65 days, 3000% after 95 days, 5000% after 125 days. GrandRialtoLimited is currently in its fifth month online and has built a solid reputation among investors now, but the next few weeks will be crucial for them with the holiday season coming up, so it will be interesting to see just how well the admin handles it and maintains interest in his program.


If we talk about the leaders of the HYIP industry then we can’t avoid PokerAutomatics, currently ranked in the #1 position on the MNO Premium List. The program seems to be going from strength to strength and judging by their flawless performance for well over a year now many investors have little doubt that PokerAutomatics will continue through the festive season without any major issues and will continue well into 2016 as well. There seems to be no slow down in growth and development with nearly 300 regional representatives promoting the program heavily in their local areas thus helping it expand well beyond the borders of the HYIP industry. The background story behind PokerAutomatics (read the full review here) is about making money via an extensive network of pokerbots. Allegedly these make the company approximately 1% in daily profits (that can vary but the average is around 1%) from which members get a share of 40% to 80% (or 0.4% to 0.8% daily on average). These profits can be withdrawn daily during terms of 30 to 180 calendar days with the principal returned on expiry. Starting from a $30 minimum you can join using SolidTrustPay, PerfectMoney, Payeer, BitCoin, AdvCash, OkPay, among others. Smaller withdrawals are usually processed quite fast, while for principal withdrawals one should be prepared to wait for up to five business days. The moderate returns and well designed marketing campaign and even viral traffic are all factors greatly contributing to PokerAutomatics‘ exponential growth. Below you can read about the weekly performance report, a report on the program’s pokerbot network upgrade, this week’s lottery winner, newly added representatives from a couple of countries and, of course, the latest daily stats showing the company’s profits:

28.11.2015 PokerAutomatics Weekly Statement:
Paying Days: 1,675
Total investors: 53,794
Investment capital: $4,412,527
Own capital: $472,058
Total Income: $349,736 (7,16%)
Share of Expenses: $145,141 (2,97%)
Profit: $204,596 (3,85%)
Total withdraw: $6,341,936
TOP-1 Investor: $219,326
TOP-1 Affiliate: 2,163 referrals
Total pokerbot accounts: 1,134

Pokerbot network upgrade
A number of poker bots in the network increased to 1,147.
Our future goals:
January 2016: 1200-1300 active poker bot accounts
July 2016: 1500-1600 active poker bot accounts
January 2017: 1900-2000 active poker bot accounts
July 2017 and further: 2000 active poker bot accounts
The ultimate goal – 2000 active poker bot accounts.
For security reasons we won’t increase our botnet above 2000 active poker bot accounts.

PokerAutomatics Daily Results:
01.12.2015 – Total poker botnet Income: 0.91%

PokerAutomatics Daily Results:
02.12.2015 – Total poker botnet Income: 0.97%

PokerAutomatics Daily Results:
03.12.2015 – Total poker botnet Income: 0.88%

We have a new Representative
Deepak Sharma – India
You may contact him by email
290+ Representatives!

We have a new Representative
Teresa – Russia
You may contact her by email
290+ Representatives!

Lottery Results 29.11.2015:
The winner of this week is blackwhite919.
You get VIP status as a prize.


The newest addition to MNO’s Standard List last night was a brand new program called OrientOrganization. The program offers an uncomplicated set of investment plans with payments on business days only (Monday to Friday) and the initial principal returned on expiry of the investment term. They include 1% for 15 business days, 1.2% for 30 business days, 1.4% for 45 business days, and 1.8% for 60 business days. Your daily profit and investment term solely depends on the size of your principal with the minimum starting from $30 via PerfectMoney, Payeer, and BitCoin as payment methods. Withdrawals are processed manually and could possibly take 8 to 48 hours to be completed. The website of OrientOrganization is up to high enough standard with original texts and a UK certificate of incorporation on display with all the latest stats and a comprehensive FAQ section. The site is running off a licensed GoldCoders script, is SSL-secured with Green Bar with Extended Validation from Comodo, and is hosted on a dedicated server with protection by DDoSGuard. Overall the setup is quite good for this type of program which looks quite professional in many ways. These particular set of investment plans and the high minimum makes me think that the admin is not rushing things for just a fast December scam. Quite the opposite – OrientOrganization looks to be created with success for 2016 more in mind. Anyway, it’s just my personal opinion. For more information please check out the full review of the program on the MNO blog by tomorrow. I’ll leave you meanwhile with the welcome message from the admin on the OrientOrganization website after its official launch yesterday:

Welcome to OrientOrganization Limited!
We are pleased to welcome you to the OrientOrganization Limited investment program. We have been preparing our website for many months and now we are ready to introduce our online investment platform and ready to accept new investors from all over the world into our investment group. For more details about Orient Organization Limited and its strategies, please refer to our web pages and if you have questions, don’t hesitate to contact our support department who will be pleased to answer you and guide you trough the process of becoming a part of our group.
Thank you for visiting our company’s website.
We will be happy to serve you!
OrientOrganization Administration


Here is the list of the programs from my monitor that paid me for the last 36 hours:
From MNO Sticky list: GrandRialtoLimited.
From MNO Premium list: PokerAutomaticsCryptof, AtrexTradeHaloInvPrimeBankersCryptoPay, ArdexFunds (the first instant payments received).
From MNO Standard list: Rhodium7.
From MNO Basic list: CartoonInvest, GloboxTrade.

To finish I just want to give an early warning about possible problems with Rhodium7 where I received some complaints on delayed withdrawals which I verified by checking the members accounts. I will try to bring this issue to the admin and hope to get some additional information by tomorrow when the status of Rhodium7 will either be returned to Paying or further downgraded to Problem depending on the admin’s actions. Currently the program is on Waiting Status on the MNO monitor, so please make sure you stay away from it for now even if you’re still getting paid. The outcome with Rhodium7 will be clear by tomorrow when I will also have a detailed look at OrientOrganization – a new addition to the Standard listing on MNO – plus all the latest news from the biggest programs in the HYIP industry. By the way, it seems the leading group of the programs at the end of the year are short-term ones (like PrimeBankers, for instance) where you profit in less than a week. At least this is what currently leads this week’s poll on the MNO TalkBack page at the moment. If you want to contribute your opinion, please do so here and if you have any questions or concerns please do not hesitate to contact me here – I’m always ready to help my readers with any issues that they may face. Thanks for reading and if you want some more please check out my blog again tomorrow!

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