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15/03/2016. BandeiraCorp Review and Daily News from the HYIP Industry


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

Hi everyone! I have a couple of news stories to cover today, mostly positive, which I’ll be getting to in the second part of today’s update. For the moment however I would like to continue with the latest batch of programs that joined the MNO monitor, and talk a bit more today about BandeiraCorp. If you’ve been following my blog or monitor recently you’ll have noticed a fairly diverse and interesting new additions which I’m gradually getting around to discussing in more detail as the week progresses. So today it’s the turn of a longer term HYIP called BandeiraCorp which I think you’ll find quite unique and very different from pretty much any other program doing the rounds at the moment. I should point out that BandeiraCorp is still brand new and listed on the MNO monitor since its third day. Let’s see what they have to offer then and if you think you might have room for them in your portfolio.

First things first then, let’s look at the investment plans BandeiraCorp are offering their members. These are not really the traditional style fixed term plans you would see in most other programs. Instead these are what I like to call “target based plans”. By saying a plan is target based, I mean the investor is told up front exactly what he is going to earn from the program. What isn’t known is exactly how long it’s going to take him to get there. In this case BandeiraCorp make variable interest payments on calendar days. These payments can vary from as low as 1% to a maximum of 4%. The target return for investors is 150%, and you will receive a different interest rate payment every day for as long as it takes to reach that target. Also, do be aware that this figure includes your principal so it’s your own money back plus 50% net profit. Anyway, that’s just the basic gist of things to give you a rough idea about how it all works. I’ll take a look at the finer points below.
Plans are divided into two categories – one called “Rent” which I suggest you pay more attention to, and one called “Buy” which is really financially speaking well beyond the means of most investors. So in the Rent section there are two options. One requires a minimum deposit of $10, and will accept anything as far as a $500 maximum. In return for this BandeiraCorp are offering a variable interest rate of between 1% and 1.8% per calendar day. You receive this payment for how ever long it takes to reach a target of 150%, including your principal.

In practical terms let’s take an example of a $100 deposit then. Every day BandeiraCorp should pay you back something between $1 and $1.80. Some days you will receive more than on other days, some days you get less, but it should always be between those two figures. The worst possible case scenario (apart from a scam I mean) is that it takes you 150 days to reach your target. The best possible situation would take you 84 days to do it. Personally I doubt either extreme is likely and the most plausible result is somewhere in the middle.

The only real difference between this and the remaining plan is that bigger spending investors are offered a potentially higher interest rate, therefore allowing them to reach the target faster. You still won’t get more than 150%, that’s the absolute limit placed on all investments regardless of size, but you might just get there sooner. For example, in the second Rent plan BandeiraCorp are accepting deposits starting from a $501 minimum up to a maximum limit of $2,500. This time however your variable daily interest rate could sometimes be as high as 2.5%. Of course you’re unlikely to get that every day (if ever!) but potentially it could knock a good bit off the waiting time it takes to add up to the promised 150% total.

That’s the theory anyway. In reality you are still only promised a 1% minimum payment so it could actually turn out that it doesn’t help you get there any faster at all, and might even take you longer than some of the smaller investors. The key word in all of this of course is “might”. You might make 2.5% in a day. You might also make just 1% in a day and get a smaller percentage than someone with a $10 deposit.

The next group of plans have several differences, though they all claim the same ultimate goal which is to reach a 150% return on your investment. These fall under the banner of the “Buy” section of plans. The minimum price of investing here can fluctuate from time to time, but honestly, it would take a complete overhaul to make them appealing. Currently the minimum is $3,190 (which may or may not change by the time you are reading this). To complicate matters you can then only invest in “blocks” of $3,190, sort of like buying units. In return for this BandeiraCorp are offering a daily interest rate that can vary between 1% and 1.8% for how ever long it takes for you to receive 150%, principal included.

Just to quickly run through the other figures, purely for information purposes, anyone purchasing units currently priced at $8,500 each is offered a variable interest rate that can be as high as 2%. Blocks of $13,540 could earn as much as 2.4% per day. Blocks priced at $23,000 earn a variable rate that could be as high as 2.7%. Next are blocks costing $25,700 each, and the maximum possible return for them in a day is 2.95%. For blocks of $31,300 the upper limit is 3.15% and for the most expensive blocks of $89,000 the rate might go as high as 4%. These plans also come with a “sell” clause that should allow you to get out early, though it’s all very theoretical for now due to the unlikelihood of you ending up actually joining any of the plans in this section.

Apart from the investment plans there seems to be an interesting sideline going on in BandeiraCorp that might, and I stress the word might, at some point help boost their income and help them run a bit longer. Perhaps borrowing somewhat from the old AutoSurf style programs from yester-year (if anyone still remembers them) or the concept of paid-to-click style sites, BandeiraCorp have advertising spots for sale. No, investors do not get paid for viewing these ads, they work a little differently here. The advertisers pay.

Here’s what happens. Let’s say there’s a website you want to advertise. It can be your blog, it can be your monitor, but in reality it doesn’t necessarily have to be your website at all. It can just be your ref link to another HYIP in a banner. For an absolutely bargain basement price of $1, BandeiraCorp will place that banner for you on their website. For how long? For how ever long it takes to get fifty clicks. Once fifty people have clicked on your 468×60 banner, it gets removed. Pay another dollar if you want another fifty clicks, it really depends on whether you are satisfied with the service or not. I’ll just remind you though, it’s going to be almost an entirely HYIP-centric audience visiting BandeiraCorp. That means if you have a website or an ad relating to HYIPs then you can think it over. If your website consists of funny cat videos or a cookery blog then you should probably look elsewhere!

This in a weird way actually leads me on to the next topic which is payment processors. BandeiraCorp have one of the best most comprehensive lists of payment options I’ve seen anywhere in the HYIP industry for a while now, and I really have to suspect it’s this little advertising “side game” that’s enabled it. They’ve probably managed to present themselves as an advertising agency to payment processors (all too delighted not to be forced into asking too many questions and accept the “evidence”). No matter, I don’t care how they did it, the only thing that’s important is that they pulled it off and maybe other admins will look into it. BandeiraCorp has an excellent list of payment options. SolidTrustPay, Payza, Neteller are all accepted, something of a coup to see all three of them listed alongside each other, if you want the more high brow verifiable options favored by bigger spending players. This goes with PerfectMoney, Payeer, BitCoin, OkPay, and AdvCash for investors still favoring anonymous services. And it’s not just deposits in dollars either as, for the first time I can remember in some years, BandeiraCorp can use Euros and Rubles in some payment systems. I wouldn’t say this was ever “common”, but it was a reasonably unsurprising occurrence in the industry a few years back. It was also never that popular so I’ve decided to stick with describing BandeiraCorp using dollars myself, though if you prefer to use the currency of the 21st century Roman Empire or the apparently (according to Fox news anyway) recovering Soviet Union then Euros and Rubles can be spent as well. Be aware that not all currencies are compatible with every single payment processor. For example, if you want to join BandeiraCorp spending Rubles then you can only do so using Payeer or AdvCash. The choice for Euros is a lot better as it also includes Neteller and PerfectMoney. Needless to say that everything is open for Dollars.

Moving on to the more technical aspects of BandeiraCorp such as design and security, the website is hosted by DDoSGuard who are keeping it on a dedicated server with their support and protection. For extra security the BandeiraCorp website is SSL encrypted with a Green Bar extended validation certificate by Symantec to allow safer browsing and more secure transactions. The script is unique to BandeiraCorp and custom built just for them so you won’t have seen it used before. An extra security feature included in it is the PIN code. You are required to set this up yourself and use it for any further transactions. The website is currently bilingual and has a vastly superiorly written version in Russian that is so much easier to make sense of than the English one. Other languages might be added at a later date include Chinese, Vietnamese, Hindi, and German. This is according to the BandeiraCorp website anyway.

Due to the unique script I think it’s worthwhile to say a few words about how to make a deposit and request a withdrawal. So, first you should click the “Make Deposit” tab in your members account area. Then you click the button indicating what currency you wish to invest with (either Dollars, Euros, Rubles, or BitCoins). Next you have to select whether you are making this deposit from a payment processor or direct from your BandeiraCorp account balance. Then you need to specify the plan you are joining by choosing either the button marked “Buy” or the one marked “Rent”. This is important because it’s the expensive Buy themed plans that are displayed by default, and not the Rent ones which most of you are going to be looking for. Then you click on the button that indicates what payment processor you wish to use – SolidTrustPay, Payza, Neteller, PerfectMoney, Payeer, BitCoin, OkPay, or AdvCash. Enter the amount of money you are investing, and finally click the button marked “Invest” to be re-directed to the payment interface.

Sorry if that doesn’t mean a lot to you when you read it here on MNO, but it will make a lot more sense if you are logged into your BandeiraCorp account at the same time. In order to make a withdrawal then you need to click the “Withdraw” tab on the left hand side of the page. You will then see the list of payment processors where you have money you are entitled to request. Next you click on the button that indicates what currency you are using. The next step is to enter the amount you are requesting. You will then be asked to enter the PIN code you should have created when joining (you can use the virtual on-screen keyboard for this) before clicking the button marked “Create Order”. The final step is when you are directed to the order summary and asked to click either “Confirm” if happy to proceed, or “Cancel” if you’ve made a mistake. The process is then taken up by the BandeiraCorp admin who requests a 48 hour maximum to complete your request manually. Personally I’ve never had to wait more than a few hours myself.

If you still have any outstanding questions for the admin or any account related issues that need to be dealt with then there are a number of ways you can get in touch. You can either fill out your details on the online customer support form and submit it through the BandeiraCorp website, or just write directly to the admin at the listed e-mail address. The only thing I suggest you ignore is of course the postal address, which although physically existing is only likely to be a serviced office or workspace and not where anyone connected with the program actually operates from. Of a lot more use to you will be the various social media profiles the admin has for BandeiraCorp, including Twitter, Facebook, Google+, and a YouTube channel that contains a short promotional video. For Live Chat support you will also be able to find BandeiraCorp on Skype.

So there you have it. Just for the record BandeiraCorp‘s alleged business activities that finance members payments are claimed to be in construction and property. As with all other programs, there’s very little solid evidence produced to support this, and even less you can do to verify it yourself. And remember, even if it was true it still can’t possibly guarantee a profit.

I have to say I do have some mixed feelings about this one. I mean as a program it’s fine, very well made and organized and probably deserves to be successful if I can say such a thing. But in other ways it feels like it really needs a professional editor to go in and clean everything up because in some places BandeiraCorp feels over complicated when it really doesn’t need to be. Rather than helping the program advance or helping the investors, a lot of what I see there only serves to get in your way. Sloppy mistakes all over the website don’t help matters either. I mean I don’t blame the admin for not being a stronger English speaker, but he should recognize his own limitations in that department and hire someone capable of correcting some very basic errors in spelling and grammar. Otherwise all that effort and it still looks unprofessional. This is just too good a program with a lot of time, talent, and effort put in to it, so I really hope potential investors don’t just give up because they don’t quite know how to figure it all out themselves. Hopefully it will be worth the effort in the end. The only thing I can add is as always protect yourself first and foremost, and that’s with all online HYIPs. Set yourself a sensible spending limit you can comfortably afford to lose, and if joining BandeiraCorp at all then try to keep them as a smaller part of a wider more diverse portfolio.



The admin of FXAccolade lived up to his promise given to me when first bringing his program to MNO a week ago – Payza has been added earlier today. That was immediately reported by the admin in his update as his enormous efforts in getting the approval of that tough payment processor finally allowed him to proudly place the “Payza Approved Business Verified” logo in a prominent position in the bottom right-hand corner of the site (though please read the second part of the update so as not to get so excited about that):

PAYZA accepted at FXAccolade – Make your deposits now.
We have great news to all. We are accepting Payza deposits from this minute onward. If you wish to update your Payza account on your profiles, please enter your e-mail address for Payza on your account SETTINGS. Login and click on Settings button and enter your Payza e-mail address there.
You can start making deposits via Payza now. Thank you!
FXAccolade Group Limited

I have to remind you that apart from Payza even before that FXAccolade could boast quite an extensive set of available payment methods for deposits starting from a $10 minimum – SolidTrustPay, PerfectMoney, Payeer, BitCoin, Neteller, AdvCash, NixMoney. Now with Payza onboard as well investors’ expectations of good results may increase which could result in more deposits. FXAccolade plans were fully covered in the detailed MNO review published here – 103%-120% after 1 day, 37%-55% for 3 days, 120%-230% after 5 days, 160%-500% after 10 days, 300%-1100% after 20 days, 500%-1600% after 30 days. However, in my honest opinion, some weird and totally unnecessary updates about the dangers of creating multiple accounts which can be possibly suspended and money frozen (the newsletter on that was posted yesterday), could possibly hint that the admin is preparing to pull the plug in the very near future and starting using the excuse of alleged multiple account holders. He already admitted that he had started doing so, but also oddly added that he was a good admin and therefore might change his mind if asked nicely by people allegedly breaking the honor code. For me personally I feel such updates can be pretty harmful as they are sending the wrong message to investors who feel themselves threatened and less inclined to make future spends. Perhaps the admin has already realized the mistake he made earlier today, after he found out that Payza had finally approved his account. I’m not sure if that one positive development will allow FXAccolade continue paying as usual, as for some unknown reason the admin has hidden the payout stats earlier this evening and by the time of writing my payouts were processed only to STP and Payza while those submitted to PerfectMoney and BitCoin were still left on pending status. With FXAccolade this never happened to me before, and the admin always paid every withdrawal request in one batch of payouts. This all doesn’t sit well with me and at this particular moment I would not recommend further investments in FXAccolade anymore. Perhaps the program will pull through by tomorrow, but the latest actions, weird changes to the payout schedule, and the last rather strange newsletters like the one re-posted below only make me suspicious. You can draw your own conclusions from the following:

Important information you should read
Today, I want to talk about the issues of having multiple accounts on FXAccolade and why you shouldn’t be doing this.
First off, you really don’t need to do this. Why? Because it could get you banned, blocked, deleted or suspended. I am not talking about just doing it on FXAccolade but also you should avoid doing this on all websites you participate in.
The reason why this is not needed is number one, you can make multiple deposits in any program without having to wait for the other deposits to expire. Number two, if you are making another account for your husband, your wife, your friend or anyone else, and you will be using the same payment processor information for your deposits or withdrawals, then why not just make a new deposit on a single account. As pointed out in the first reason, you can make multiple deposits at any given time to any plan you so desire.
This brings us to number three, well if you think about it, there are a handful of monitors offering a higher RCB or Referral Commission Back or rebates of the commissions that the monitor earns with a higher bonus for the first deposit under the said monitors. This is what the usual reason for having multiple accounts is, and that is to abuse the RCB system on those who offer this kind of marketing. The solution for this is why not just ask the administration to move your account under another upline? Perhaps, you know that the administration will not usually agree about this.
All three are significant reasons why you should never create multiple accounts on websites. Why am I pointing these things out? It is simple because there are a few members who have been blocked access to their accounts due to this. Will blocked accounts get their money frozen and never returned? Could be, but that is the worst case scenario.
Just so you know, admins are people as well and they have a heart, if you have honestly committed a mistake, then why not just contact them and ask for a chance to prove that you really did not want to cheat? Admins are sympathetic people, at least that is what I know about myself. I am not sure about other admins out there.
Anyway, that would be all for today, I hope this has been an eye opener to those who are thinking about opening multiple accounts.
By the way, some not paid reports you might see are actually violators of these rules. FYI.
Thank you.
FXAccolade Group Limited


Only a couple of days are left before the first investment cycle in RixosFinance is completed and the program inspires more confidence. I myself am really looking forward to it and will definitely report when the first investors receive their principals back on expiry of the RixosFinance‘s shortest 1.8% for 15 days plan. Others (also with principals back on expiry), include 2% for 30 days, 2.4% for 45 days, 2.8% for 60 days, 3% for 75 days. A minimum of only $5 is required to join. Some popular choices like SolidTrustPay, PerfectMoney, Payeer, BitCoin, AdvCash, and even Bank wires make RixosFinance (reviewed here) a popular choice even before the first cycle is completed and the 2% automatically applied withdrawal fee tells us that the admin thinks about better planning for the program’s future in compensating payment processors fees associated with every transaction. The arrival of RixosFinance to the HYIP industry about two weeks ago was met with great enthusiasm and the fact that the admin chose MNO as its one-stop investment blog to cover it also marked the admin’s ambitions to stay with the best option covering only elite investment oportunities to achieve the best results. The promotion of RixosFinance has certainly been very slow and gradual so far with a handful of other monitor services having been added since its official launch. Yesterday the admin of RixosFinance also announced on his Facebook page that he will start hiring the program’s own representatives to help promote the program for higher multi-level referral commissions. The requirements for candidates will be tougher than the majority of other investment programs and you can see the full list in the below update:

Good day! If you have the zeal to work with us and are responsible enough to take on the challenges of being one of our representatives, feel free to apply for this position. You will get the possibility to earn 7% referral commission from 1st level, 2.5% from 2nd level and 1,5% from 3d level. In order to apply, please submit your curriculum vitae to Once we receive your application, we will arrange to have an interview with you through e-mail. Keep in mind, our selection process is very strict – only the best of the best will be chosen.
1) You should be an active investor of RixosFinance (min. Deposit $100)
2) You should have at least 3 active referrals
3) You should have good knowledge about RixosFinance and able to explain how our system works
4) Good communicative skills, helpful
Sincerely Yours, RixosFinance Team


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: FXAccoladeForexKing, ArdexFundsRomball, BandeiraCorp.
From MNO Standard list: Capital7, CopperTradePro, RixosFinance, InGame (the first instant payments received).
From MNO Basic listGloboxTrade, TokyoInvestmentCompany.

That’s all the news from the HYIP industry for tonight, guys. I hope you enjoyed reading MNO and if so you can subscribe to the daily news and have it delivered straight to your email address so as not to miss anything important. I’ll probably take a day off tomorrow with posting, but will be back on Thursday afternoon with a detailed review of InGame which was already introduced on my blog yesterday and since then has obtained Paying Status on the MNO monitor after I tested its instantly processed payouts. I’ll also report on any other important news stories worth knowing about and I will certainly be updating my monitor as usual, so make sure you visit and check the status of every program before making an investment. Thanks for reading MNO and voting on the TalkBack poll. See you all again soon!

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