Apr 3rd, 2016 Archives

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Hello everyone! You may have noticed a lack of new blog posts over the last couple of days, but I hope you understand when I tell you that it was one of the most uneventful weeks of the year so far. And I don’t mean that in a bad way. Quite the opposite in fact! When there is nothing important to report that means that things are going smoothly and people are getting paid from all the programs listed on the MNO monitor, meaning the HYIP industry is perhaps more stable now than at any other time this year. Now the picture I can paint is that we have a clear leader which is on everyone’s minds with high hopes and already first profits – Capital7 – and a couple of other popular programs that can create some healthy competition for the leader and will possibly do so with the right management – RixosFinance and CopperTradePro. Plus, there are a couple of programs that are already quite established, but due to the fewer payment options or being a bit older longer don’t always grab the same headlines – ArdexFunds and ForexKing. In addition to that, there are several programs on my monitor that have not really taken off, and I’m still waiting for them to show their true colors with time – Romball, BandeiraCorp, and Cryptonus. I have an update on the latter one which I will share with you all in the news section on the blog today, plus the results of the latest opinion poll that ran on the MNO TalkBack page this week.


I’m going to start today’s news update by drawing the results of the last opinion poll that ran on the MNO TalkBack page over the last week. The exact question that was asked of readers was:
What is your favorite program from the Top Five on the MNO monitor?”.
Just to reiterate, this was never meant to be just a straight-up popularity contest where readers simply ticked off the program they’ve made the most money from. After all, that would only skewer the question in favor older higher interest programs against newer longer term low ROI ones when the aim of the poll was to establish which program gives you a better overall experience. The choice of programs selected for the possible answers were all taken from the most recent Top Five Most Popular Programs on MNO article which you can find on my blog here.

I suppose there’s going to be no real surprise with the winner, except to say that despite being a clear and decisive victor a lot of people might have expected an even bigger winning margin. I’m talking here of course about Capital7, the leading program in the entire HYIP industry at the moment which topped the poll with 40% of readers votes. Just to recap on what Capital7 have to offer investors, they have a tried and tested choice of plans that have proven enormously popular in the past. These include either 7% for 30 calendar days (accruals on business days only), or 110% on expiry after 7 days. Minimum cost of joining is $25. It’s more than just the plans of course, Capital7 have been putting in tireless efforts from day one to make sure everyone’s experience with them has been as close to flawless as humanly possible. Having one of the best selections of payment options in the HYIP industry doesn’t hurt either, with SolidTrustPay, Payza, PerfectMoney, and Payeer all on board, plus BitCoin and bank wire transfers as an alternative to traditional processors. I could probably talk here all day about the program, but instead I suggest you read the original review of Capital7 on my blog here to find out everything you need to know.

In second place is a program that’s rapidly closing in on Capital7 and I expect will be challenging them sooner or later for the top spot in the entire industry is RixosFinance. In fact even on just my monitor alone RixosFinance is already starting to edge Capital7, so it can only be a matter of time before this is reflected in the wider HYIP industry. Anyway, RixosFinance took a very respectable 25% of the vote. The investment plans available here are a bit more extensive, but generally favor middle term options. The full list includes 1.8% for 15 days, 2% for 30 days, 2.4% for 45 days, 2.8% for 60 days, 3% for 75 days, all with your principal back on expiry, or 111% after 7 days and 9% for 14 days principal included. It will cost you a minimum of just $5 to join. The increasing popularity of RixosFinance is partially due to the constant stream of improvements the admin Bill has been making. These have included introducing Live Chat support, a professionally translated multi lingual website, and an improved list of payment options to include SolidTrustPay, Payza, PerfectMoney, Payeer, AdvCash, BitCoin, as well as bank transfers. It’s been a very well organized program so far, and you can read more information in the review of RixosFinance first published on MNO here.

In third place with 13% of the vote each is CopperTradePro. This is entirely a longer term HYIP, offering terms of 2.4% to 3.2% for 100 business days. This can be joined for a minimum deposit of $20 via such payment methods as SolidTrustPay, Payza, PerfectMoney, Payeer, AdvCash, NixMoney, and BitCoin. CopperTradePro is explained in more detail in the review first published on MNO here.

Propping up the list but not without their own respective niches in the HYIP industry is ArdexFunds and ForexKing who split the remaining vote between them with 11% each. ArdexFunds is a somewhat more complicated program. Also very much a longer term HYIP, except they offer a shorter term plan for testing purposes or for smaller investors. Their plans include variable low ROI returns for 15-230 business days, and your principal back on expiry. It’s worth pointing out (and for any admins reading this I especially hope you’re taking note) that ArdexFunds is the only program to make it to the top five most popular programs in the HYIP industry without the services of SolidTrustPay. So if you want to really be amongst the industry leaders it’s a lot easier to get there with STP than without them. In the case of ArdexFunds I suspect it’s the admin’s alleged reputation for keeping programs running for 12 to 36 months in the past that might be helping him. The processors that ArdexFunds do employ include PerfectMoney, Payeer, BitCoin, and one I’m still unfamiliar with called RedoPay. The investment plans and other important aspects of ArdexFunds are explained in full detail in the original review first published on MNO here.

ForexKing on the other hand have a much wider variety of investment plans and do include SolidTrustPay alongside other anonymous processors such as PerfectMoney, Payeer, AdvCash, NixMoney, and BitCoin for anyone who wishes to join. Plans vary between those that will instantly be recognized by experienced players as probably worth a shot, and other less realistic options more likely to do little other than bolster the program’s cash reserves. Your choices include 2.1% for 15 days, 2.3% for 35 days, 2.7% for 60 days (principal back), 250% after 40 business days, 600% after 65 business days, 1800% after 105 business days, 350% after 17 business days, and 900% after 33 business days. For a bit more guidance in which of these plans might be more suited to you then you should read the detailed review of ForexKing that was first published on the MNO blog here.

So, let’s move on to the next subject. Easter has passed, the holidays went by largely without major incident or at least anything overly surprising, we are now into April and Spring is well and truly in the air. With that so often comes a certain feeling of change, maybe even optimism. But is that a feeling you share about the current standings of the HYIP industry? There’s a lot of solid performing programs out there at the moment that are making some good money for their customers, just look at the results from the other poll above to see some fine examples. Unfortunately, as is the nature of the business we are in, some cheap scams are never too far away either. Overall then, how do you feel about the state of the HYIP industry today as opposed to let’s say three to six months back, or during the winter season? Are things any better now? Have you noticed more stability? Are programs more likely to deliver results for longer to more members? Every investment online is a gamble, but are you more confident/less worried about the main programs today compared to recent months?

The exact question then will be as follows:
Is the HYIP industry stronger today than it was in the winter?

Answers are a very simple choice between the following:
Yes, things have definitely improved
I see no noticeable difference either way
No, the industry has declined

Thanks a lot in advance to everyone who takes the time and trouble to cast a vote, guys. Remember it’s your opinion so make it count and be heard. Voting is completely anonymous, though as always you are free to discuss the subject if you wish on the MNO ShoutBox with other readers. Plus it only takes literally a second to cast a vote, so please do so. As usual the poll will run for approximately the next week or so, maybe ten days, but plenty of time for anyone who’s interested in participating to do so. No prizes, just a chance for everyone to share an accurate picture of where they think the HYIP industry is at the moment, and that can only benefit all of us no matter what the actual result.


I strongly feel that we shouldn’t be under any illusions when program admins decide to drastically change investment plans, especially when these changes happen before even the first investors are in profit from the original offer. Yet that’s exactly what happened earlier this week in Cryptonus. Barely a week after my detailed review of Cryptonus was posted on MNO (click HERE to read it) the admin sees he cannot keep his program alive with such unattractive plans that further put people off with high minimum spending requirements and a lack of payment options. The only result is that literally no one is interested in joining the program in the first place unless some serious changes are made. And though I pointed that out in the review that Cryptonus would not be able to make any impact on the industry the admin prefered to argue with me about the point that BitCoin exchange rate volatility alone and the inability to predict it can make people literally lose money even if they are always paid during the 4 week investment term that Cryptonus offers exclusively through BitCoin. Backtracking now shows a lack on confidence in the program’s original business model. It also indicates a complete and utter lack of interest in Cryptonus from potential investors. This gives rise to another question – would such drastically altered investment plans now encourage investors, or rather strengthen their view on the admin’s lack of experience by not recognizing what investors really want right from the start? In any case, let’s first discuss the changes Cryptonus has now underwent.

The first change that I can see having the most impact was lowering the minimum deposit required to join Cryptonus from the quite steep 0.25BTC to 0.025BTC, a ten fold decrease from approximately from $100 to $10 at current BitCoin exchange rates. That should have been done right from the start in my opinion, and the fact that the admin realized he had made this mistake and tried to fix it before it’s too late might kickstart his program. I just want to note that the lowest $10 minimum is available only on the shortest two week plan as I will explain in a moment.

The second change was a wider restructuring of Cryptonus‘ investment plans. Along with several investment plans that were available only for a four week term you can join two or three week plans instead. The plans organization still remains overly complicated for my liking, but the reduced investment term along with quite reasonable returns will hopefully attract more investors. I’ll just explain the new investment plans briefly here without changing the original review of Cryptonus on my blog, as the program is only on Standard Listing and therefore doesn’t qualify to have any changes done to the original review (another thing that I believe Cryptonus should improve before getting noticed by my readers).

So, the 2 week long plans are available for a 0.025BTC deposit (equivalent of approximately $10 now) and offer three options: with 110% total return (55% return per week), 115% total return (40% after 1 week with 75% after the second week), and the most profitable 120% return (only one full payment of 120% after two weeks).

The 3 week plans are available from a higher entry point of 0.05BTC (approximately $20) and offer three options. In exchange for 120% moderate returns you’ll get a weekly equal payment of 40%. For the chance to get 125% overall be ready to satisfy yourself with lower 20% after the first week, and 30% after the second week, and a significantly higher 75% as the last weekly payment. And finally, if you wish to get 135% profit overall you will only receive the first 40% payment after the second week followed by 95% on expiry of the third week.

And the longest 4 week plan will also offer you three options to chose from. For 130% total return you will get 30% weekly for the first two weeks, and then 35% weekly over the last two weeks. The increasing rate of 20% after the first week to 50% after the last week raising by 10% increments weekly will make you reach the 140% net profit overall. And finally, for the opportunity to earn the highest 150% return on your investment in 4 weeks only you should go the first week with no interest, then 30% after the second week, followed by 40% after the third one and 80% after the fourth week.

Keep in mind that on all the investment plans of Cryptonus you don’t have to do anything after investing via BitCoin, as you will receive your weekly interest automatically to your BitCoin account and will be able to trace when your next payment is due in a sort of account area which you can easily access by simply entering the BitCoin address you made your deposit from.

Now that we discussed all the changes the main question remains how they will be taken by the current investors of Cryptonus who already invested in the 4 weeks plan. Obviously, they would be paid under the old schedule and on the old terms, but wouldn’t they feel deceived that they were not offered the same shorter term plans as others are now? In any case, such drastic changes are not usually taken lightly, but I believe with Cryptonus still so new it may save the admin any embarrassment caused by incompetence or lack of experience or bad judgement. In any case, it’s probably too early to judge right now, especially considering that no one has yet reached the break even point in Cryptonus. I would suggest to be quite careful at the moment, especially taking into account the radical changes to the plan structure and lowering of investment minimums. Probably it would be wise to wait and see how the situation unravels over the next few weeks and make a decision based on their future performance, especially considering Cryptonus is also planning to finally add a referral commission program and members will be hopefully able to earn extra while referring others. In any case, as I monitor Cryptonus I will keep you updated about any future changes on my blog, so stay informed with MNO!


Here is the list of the programs from my monitor that paid me for the last 96 hours:
From MNO Sticky list: –
From MNO Premium list: RixosFinanceForexKing, ArdexFundsRomball, BandeiraCorp.
From MNO Standard list: Capital7, CopperTradePro, Cryptonus.
From MNO Basic listGloboxTrade, TokyoInvestmentCompany.

That’s all for tonight, guys. It’s good to see the HYIP industry in such a stable state right now and that we have both new and already established programs to consider joining which you can find on my blog. Remember to cast your vote in the next TalkBack poll on the current shape of the HYIP industry compared to the winter months. I see some huge improvements now, but how about you? Please vote here to let everyone know.

I’ll be visiting Bristol tomorrow and will be exploring the city, so most probably will not be able to post until Tuesday. However I’ll definitely keep an eye on all the monitored programs and will let you know immediately if there’s an issue with any of them or if there’s any new additions to my listing. So, check my site regularly by bookmarking it and subscribe to the daily news or follow MNO on Facebook and Twitter. I’ll see you all very soon. Have a successful start to the next business week and the best of luck with your investments in the best programs monitored on MNO!

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