May 13th, 2016 Archives

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Beware! Golden8 has stopped paying! Do not invest there!

Hi everyone! Friday the 13th, a scary day indeed for any movie fan as I am, but let’s hope it doesn’t sink even further into the HYIP world. God knows there’s been enough bad luck already this month, and I can’t promise you there won’t be a couple of more bad stories in the next two weeks (or even today). I still have one new program for you though called Golden8 which is mostly a short term program with some longer term options only for the more experienced players if they can afford it.
To get things started as usual then with the investment plans, Golden8 shall we say “plays” with variants of the number eight, multiples, dividends, factors, etc. For example there are eight plans, and in turn they each run for 8, 16, 24 and so on days. Most of them are well outside the reach of the average HYIP investor in terms of affordability so don’t worry, I’ll keep the descriptions brief. But for the first one Golden8 only ask for, you guessed it, an $8 minimum. It runs for 8 calendar days, and during that time Golden8 will pay you 2% interest per day. This comes to 16% in total with the final payment, clearly nowhere near a profit, this only follows when Golden8 return your principal on expiry leaving you with 116% of what ever it was you started out with.

Let’s look at how a simple monetary example might look and pretend we are investing $100. For the next eight days Golden8 say they will pay you back $2 per day in interest. You end up with $16 with your final payment, and then after your principal is returned separately $116 in total. Golden8 by the way have placed a maximum spending limit of $187 on this plan.

The following plan therefore starts with a minimum requirement of $188 to join, and runs for 16 calendar days. The interest rate improves to 2.5% per day which adds up to 40% in total by the last payment. This then becomes your profit only when the Golden8 admin returns your principal. The most amount of money you are allowed to spend here is $2,887.

The third plan asks for an opening deposit of $2,888. For this Golden8 are offering their members a daily interest rate of 3%. This continues for a term of 24 calendar days, at the end of which you should have withdrawn 72% of the amount you invested. Golden8 then return your principal, at which point you are now in profit to that amount as well. The maximum limit that the Golden8 admin has placed on investments here is capped at $8,887.

With the remaining plans asking $8,888 and upwards I think I’ll just give a very brief description of the numbers to finish. Plan five goes right up to $12,887 and offers 4% interest per day for 32 calendar days. Your principal is returned on expiry, leaving you with a net profit of 128%. Anyone Spending from $12,888 to $18,887 is offered 5% interest per day, leading to 200% net profit upon Golden8 returning your principal after 40 calendar days. For deposits between $18,888 and $24,887 the rate increases to 6% per calendar day, and the term stretches to 48 calendar days. This leaves you with 288% net profit if your principal is returned by the Golden8 admin as promised. For a term of 56 calendar days the Golden8 admin invites deposits between $24,888 and $30,887. This is rewarded with 7% interest per day, or 392% net profit once principal is returned on expiry. And lastly for sums between $30,888 and $88,888 Golden8 are offering to pay the maximum rate of 8% interest per calendar day for 64 calendar days. That gives 512% net profit once your principal is returned on expiry.

If you like the sound of any of those plans enough to join one, then the next thing on our list of items to be discussed is what your payment options are. Unfortunately what you don’t get in this case is eight different choices. Golden8 only give you three, all of them anonymous and unverifiable. If you want to go with a more traditional style payment handler then you can pick between PerfectMoney or Payeer. Or if you prefer a more modern e-currency then BitCoin transactions are also allowed. A limited choice of payment options however is some way compensated for by the use of instant payouts. I’m not saying this has to be some sort of “trade-off”, but most people seem to like the convenience. You just log into your Golden8 members area as usual, request the amount you are owed, and that should be it. Expect the money to be in your payment processor account faster than the time it takes you to log in and check it.

Moving on to the more technical side of the program now such as design and site security, Golden8 looks to be up to an acceptably high standard. The website is powered off a script under license from GoldCoders. Always a popular product with both HYIP admins and investors alike, I suppose most of the regular readers may have recognized it anyway (I can only confirm the license for you) and will appreciate the trademark user friendly interface. For an extra layer of security Golden8 features the superior Green Bar version of an Extended Validation SSL certificate from Comodo. For a hosting provider and DDoS protection the Golden8 admin has opted for the always reliable DDoSGuard who are keeping his website on a dedicated server. This should go a long way towards ensuring the stability of instant payouts and the security of other transactions within the member’s area.

If you still have any outstanding questions left for the Golden8 admin or any account related issues you need dealing with, the best way to get in touch (after you have read the FAQ of course) is either fill in your details on the online support form or else write directly to the e-mail address listed. A postal address is included in the UK, though I doubt I’m telling experienced readers anything they don’t know when I say it’s probably best ignored. Remember there’s a big difference between an address and the actual property, and like any other HYIP Golden8 would only be using that for registration as opposed to any physical location. It does however come with a telephone number, so feel to give it a try if you want to speak with someone in person and expect someone to answer. There’s an auto translation tool which you can see on the top right hand corner of the Golden8 website you can use to change it into a language you are more comfortable with if you are not a fluent English speaker. It’s far from perfect of course, not like a professional word-by-word translator would do, but it’s a start.

So what of the alleged business interests behind Golden8 and supporting payments to members, well, just on the off chance anyone reading this is interested then we are told it’s a “private online investment company” specializing in ForEx amongst others. Nothing new for the HYIP industry then and as usual nothing that can be researched and confirmed. And anyway, as I always say even if it was true there’s nothing to guarantee it has to be profitable all the time. So best to regard Golden8 as a form of gambling and set yourself a sensible spending limit you can comfortably afford to lose, and recoup from other non HYIP related sources. That, and if you do decide to join Golden8, you keep them as a smaller part of a wider more diverse portfolio.



Unfortunately incidents of underdogs developing into major investment programs is a very rare occurrence, and in the case of TopScore it just didn’t happen. The program has not been very popular among my readers and the admin decided to end it as just one of the shortest investment cycles was completed, thus leaving the vast majority of investors at a loss. It seems that in reality things like Leicester City’s unlikely victory in the English Premier League which I quoted in the review for TopScore is a one-time event and doesn’t always compare to the HYIP industry. Anyway, the admins of programs like TopScore, if they plan a fast scam from the very start, shouldn’t really come to be listed on MNO as they lose big time on advertising fees and pay me more than what they earn. MNO will continue this policy in order to discourage such admins from coming back with their short lived programs. Usually that does work, but unfortunately with TopScore it didn’t. Perhaps, the program just didn’t live up to the admin’s expectations and just had to be closed due to a lack of interest from investors still on the lookout for more quality programs with better payment options available. In any case, we can speculate on what might have went wrong for a long time but the fact remains simple – TopScore scammed after the instant payments stopped last night and there is no way they will resume. It’s time to count the losses from yet another failure in this low season and move on. Do not invest in TopScore anymore, guys!


And yet another investment plan joins countless others that promise to pay on expiry has been launched in BTCHourly. With the minimum to invest starting at $500 and the stupidly high returns of 13,500% to 15,500% promised after just five days it should be pretty clear to any reasonable investor that this should be avoided at all costs. On the other hand this new investment plan might just extend the time during which BTCHourly will keep paying instantly to its members’ PerfectMoney, Payeer, and BitCoin accounts on the main hourly perpetual plan where you can actually get from 0.2% to 0.75% hourly returns on your investments. I guess that the consistent addition of the more and more investment plans from the same range of paying once on expiry plans probably works well for the admin, as it mostly just goes to finance payments on the main plan. As inexperienced investors join the on expiry plans, the longer BTCHourly will pay to its more sensible investors. That is the harsh reality that should be considered by everyone, but surely any of these currently available plans (except for the only one paying hourly) should be avoided – 16000%-18000% after 1 day, 15000%-16000% after 4 days, 10425%-10500% after 7 days, 12000%-15000% after 8 days, 10400%-10600% after 10 days, 5700%-6300% after 13 days, 10300%-10700% after 14 days, 5600%-6400% after 16 days, 5500%-6500% after 20 days, 5500%-6000% after 45 days, 8500%-9000% after 60 days. I hope readers are reasonable enough to realize that and stay away from such unrealistic offers as VIP2 plan which the admin of BTCHourly (reviewed here) made the main subject of the last email update:

BTCHourly – We launch new plan : Vip 2 Plan
Hello All Member,
Today We launch new plan : VIP 2 Plan : 15500% After 5 Days + Principal Back (only available for 100 investor. Available : 90 Unit. Sold : 10 Unit) (Hurry UP !!….Limited time only !!).
Deposit here to our program : BTCHourly
Best regards. Buken Dosi
Admin. BTCHourly


As the HYIP industry is now far from the strong position it was in just a few weeks ago, less programs are accepting the verifiable payment processors like Payza. And yet it’s still one of the most preferred choices to invest with for the savvy investors who try to take advantage of the Payza‘s opportunity to file a dispute and get at least some funds back from any scams. I believe this trend will continue as the demand for such programs is certainly high and the day when we see more programs accepting Payza will possibly mark the revival of the industry, so hopefully it will happen sooner rather than later.

As for the latest updates for Payza business account holders who process enough payments to justify using the newly introduced Split Payments features, they may be interested to find more information in the latest update on the official Payza news blog earlier this week which I will also re-post below for your reference:

Make your online marketplace more efficient with Split Payments from Payza
The rapid growth of e-commerce has encouraged many merchants to establish virtual storefronts and online marketplaces. As the number online sellers grows, these merchants require digital tools to collaborate and simplify payment systems on online marketplaces. To meet this need, Payza developed a split payment feature for all of our merchants. Here we take a closer look at the feature to explain how Payza merchants can benefit by incorporating the split payment feature into their online checkout process.
What are split payments and why would I use them?
Payza’s Split Payment feature enables an online store or marketplace to receive a single payment from a customer for multiple goods and then “split”, or redistribute, that payment to the multiple merchants selling their products through that marketplace. This feature simplifies payment systems for online marketplaces because it automatically distributes the payments to the individual merchants who sell goods on this marketplace.
The ability to split payments means you can tailor your Advanced Integration Tokenized Payment Button so that payments will be distributed instantly and automatically to multiple merchants selling goods on your online store.
Consider the following example
You sell items from multiple businesses via your online marketplace; for instance, an online marketplace selling goods from a diversity of manufacturers and re-sellers. A customer can add several items to their virtual shopping cart and pay for all their items at once using the Payza payment platform.
The split payment feature immediately splits this payment to credit the original sellers of the product purchased, and to credit you, the owner of the online marketplace, with a commission for the sale.
How to set up Split Payments on your online store
In order to have the split payment feature, your online store must first have Payza’s secure tokenized payment feature for Advanced Integration Payment Buttons set up on your websites;we provide an explanation of this feature in our previous blog here. You can then setup the split payment feature by adding basic code to your website; we explain the process and provide the necessary code here.
With a small investment in time and effort, we are confident that your online store will benefit significantly from our split payment feature.


Here is the list of the programs from my monitor that paid me for the last 48 hours:
From MNO Sticky list: –
From MNO Premium list: Romball, ArdexFundsBetStarBTCHourlyBandeiraCorpCryptoStability, Golden8.
From MNO Standard list: BTCino.
From MNO Basic list: –

That’s all for you today, guys. As it’s Friday and the end of the business week in the HYIP world I would like to wish you the best weekend you could ever have. See you all back on MNO in a couple of days and good luck with your online investments because there are still a few good programs left to play with! Don’t forget to keep voting in the opinion poll you can find on the MNO TalkBack page here as the final results will be drawn next time I post. Thanks for reading everyone!

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