Aug 6th, 2018 Archives

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

Hello everyone! As it’s Monday again and the start of the business week I hope you’re all looking forward to the potential possibilities and opportunities it might bring. Because remember, when good programs hit the HYIP industry MNO is the best place to hear about them, such as what I’m looking at today. The main focus of today’s post is one particular new addition to the MNO monitor‘s Premium List called LuxEarn. And I don’t mind telling you, I’m quite excited and positive to be monitoring this one. Why? well, without mentioning any names (as one can never be 100% sure about these things) I’m quietly confident I’ve dealt with this admin in the past and his last effort was a great success. If it is what I think it is, it ran for over six months, so even though it’s still only the first week of August this might just herald the long awaited industry recovery. I mean it has to start somewhere, so why not here? When I say the program is new by the way, I mean it’s just new to my monitor. In reality LuxEarn has been online for around three years now so I imagine some of the more observant readers may have come across the name somewhere already. But mostly you can still say LuxEarn is only getting started, and in real terms is in fact very much a new program. It’s just been redesigned and brought to the attention of the wider HYIP audience. So for those not yet familiar with LuxEarn then let’s take a closer look and see if they have anything there you might like to be a part of.
I suppose if you really wanted to go looking for some background information then the first question is how an online HYIP could even survive for three years, let alone do so without being noticed by the majority of regular investors. Well, there’s no great mystery here. LuxEarn has been running on autopilot as a “sleeper”. The admin simply creates a functioning website, and remember it doesn’t necessarily need to have anything whatsoever in common with the version of LuxEarn we see at the moment, and buries it. You get it announced on the main HYIP discussion forums as proof of the starting date, maybe hire one or two discreet monitors that will keep a historical record of whatever small payments you need to make them. The admin can then keep this going for how ever long he wants, until such a time as he decides to promote it among investors who will take a more active role. This is how LuxEarn makes its way to you today – polished and ready for business, and possibly with more improvements yet to come.

Let’s move on then to what’s really important about LuxEarn which is the investment plans. Your first impression here might be to feel somewhat overwhelmed as there are no less that 30 of them in total. It’s not really that confusing though as the vast majority of the plans can and will be avoided by almost everyone. They either cost too much to join, offer unachievable returns, or both. I do suspect however that this will change as the program grows, and what are currently unaffordable premiums for joining will gradually begin to decrease. You may also be forgiven for thinking some of the plan descriptions are misleading, but if you take the time and effort to read the information in full (something which a surprising number of investors fail to do) you will see that everything is explained properly. For example, all investment terms are measured in business days, but you might think it’s calendar days at first glance. Several plans appear to offer daily interest payments, but in reality LuxEarn only credit your account everyday but don’t actually allow you to withdraw. That means you only get one payment on expiry, it’s worded in such a way as to make you think otherwise, and you won’t realize this before making the investment unless you take your time and read everything first. So I would urge you to pay very close attention to the following, an accurate description of how the plans in LuxEarn actually work.

I’m going to start with a group called The Ordinary Plans. This isn’t the first group you will see in your LuxEarn members area, but I’ll start with them anyway because I think they are the only ones that will make any real sense to most experienced readers. The first option here opens with a very affordable $25 deposit and runs for 356 business days. That’s 500 calendar days, which is well over a year. During that time LuxEarn are offering you 0.5% interest on your deposit every day from Monday to Friday. That adds up to 178% by the end of the term, when LuxEarn offer to return your initial deposit. You reach the break-even point after 200 payments which is 40 weeks, around nine months, so only then do you start to see any profit. There is no maximum limit placed on investments here.

The second Ordinary Plan will set you back at least $350 to join, again with no stated maximum. The term length is cut back considerably to 100 business days, or 20 weeks. While this is running LuxEarn offer members a daily rate of 1.1%, paid Monday to Friday, and your principal returned on expiry. That leaves you with 110% in net profits, a smaller number than the first plan but a much quicker 91 business days to break-even and see your first profit.

As the remaining plans in this section open with a minimum deposit of $42,500 I’m going to suggest you look at your LuxEarn members account area for further details if interested. However as I believe there’s a realistic chance of the cost of joining coming down in the coming months, let me just highlight the terms and interest rates. It’s entirely up to you whether you wish to proceed immediately with one of the existing more affordable plans or bide your time in expectation of a (by no means guaranteed) price reduction. So, for $42,500 you can earn 1.25% per day for 80 business days, for $45,000 you can earn 2.25% per day for 60 business days, and for $47,500 the offer is 2.75% daily for 40 business days. All offers return your principal on expiry and there is no upper limit on any of them.

So let’s move move on to what’s called The Business Plans which can be joined for a $750 minimum. For this amount your money is held for a 100 business day term which is 20 calendar weeks and is described as earning 5% interest per day. The reality is that this 5% is kept by LuxEarn and is not allowed to be withdrawn by you at all until expiry. This gives a 500% profit on your investment, on top of your principal which is then returned by LuxEarn separately. I think experienced readers will know what the odds are of succeeding in such a venture, but for the newbies I’ll just say please don’t learn this lesson the hard way and leave it at that.

Remaining plans in this category currently open at unrealistic amounts of money so check your LuxEarn account area for more details if interested. In the event of this being reduced however I will again just briefly run through the terms and rates. Remember that accounts are credited per business day, but withdrawals can only be made on expiry. So, for $52,500 LuxEarn offer 5.5% interest per day for 80 business days, which in reality is actually 440% net profit plus principal paid once on expiry. For amounts starting from $55,000 the offer is 6% per day for 60 business days, or 360% profit plus principal on expiry. For $57,500 the offer is 6.5% per day for 40 business days, or 260% net profit with your principal on expiry. And finally for $60,000 you can see your account credited with 7% interest per day for 30 business days, which translates into one single payment of 210% profit on expiry plus your principal returned. There are no maximum limits to what you may invest in any of these plans, though obviously the minimum requirements are already, for the moment anyway, considerably beyond most people’s abilities.

Next up is a section called The VIP Plans. In practice these work the same way as the last group insofar as they make just one single payment on expiry to LuxEarn members. The difference here is that it’s explicitly stated as such, not described as making a daily payment which you are not allowed to withdraw. To join in here LuxEarn ask a minimum deposit of $850. The return after 100 business days unfortunately is 14,000%. I say “unfortunately” because if you are realistic about it you will know this is impossible.

Remaining plans start from a $55,000 minimum so there’s no need to go into detail about them here. Check your LuxEarn members area if you would like to see the details, I’ll just give a brief overview so you have a general idea of what’s going on in case prices come down. The $55,000 you are asked for is held for an 80 business day term, and returned along with an 8,000% profit plus principal returned on expiry. A shorter term plan of 60 business days can be joined for $57,500 which sees LuxEarn offer 4,000% net profit on expiry plus principal. For $60,000 you get a term of 40 business days with an on expiry payout of 1,600% profit with your principal. And for amounts of $62,500 and upwards LuxEarn offer investors 800% profit plus principal on expiry of 30 business days. No maximum limits are placed on any of these plans.

For the category referred to as The Royal Plans LuxEarn return to describing them as making daily interest payments though in fact you really only get one single payment on expiry. The minimum to join is $950, which the plan description says earns 8% interest per day, Monday to Friday only, for 100 business days. That adds up to a single payment of 800% net profit on expiry, and LuxEarn then add your principal on top of that.

Just for your information the remaining plans in this group continue with a $57,500 minimum deposit so see your LuxEarn account if you want to know more. That amount sees your account credited with 9% interest for 80 business days, with the actual payment being offered at 720% on expiry plus principal. This rate goes up to 10% per day for 60 business days if investing $60,000, or 600% profit plus principal on expiry. A deposit of $62,500 will get you a daily rate of 11% for a 40 business day term, or 440% profit on expiry plus your principal, while a sum of $65,000 can earn your account 12% per day for 30 business days which allows you to make one single withdrawal 360% profit on expiry plus principal. Again there are no upper limits on what you can spend here.

Next we come to a group called The Maximum Plans. All utterly unaffordable, but again as there’s every chance the LuxEarn admin might change this at some point in the future I’ll give a brief description of the term lengths and interest rates. As with most of the other plans in LuxEarn, you will see them explained in your account as crediting you with daily interest payments though will not allow you to withdraw anything until expiry. The minimum amount currently required for a deposit is $57,500. This gets you 14% interest per day for 60 business days. This comes to 840% profit on expiry plus your principal. For $60,000 you can join for 40 business days and earn 15% interest per day, Monday to Friday. That’s 600% net profit on expiry, plus your principal. For 16% interest per business day during a 30 business day term, LuxEarn currently require a $62,500 minimum deposit. That would then earn you a final payout of 480% on expiry. For a $65,000 deposit your account is offered a daily accrual of 17% interest over a 20 business day term, yielding an on expiry payout of 340% plus principal. And for $67,500 and upwards LuxEarn offer 18% interest paid into your account for a 15 business day term, withdrawn only on expiry when reaching 270% in total. No maximum investment limits apply to any these options.

And finally we have The Exclusive Plans. As they come with a $70,000 minimum spend I doubt anyone has much interest in hearing about these either, but I’ll just tell you a brief description in the event of the admin reducing this amount. Again the terms are worded in such a way as to give the impression of daily earnings when in fact it’s only a daily crediting of your account. Actual withdrawals don’t happen until expiry. So for the $70,000 minimum LuxEarn offer 21% interest per day for a 40 business day term. That adds up to 840% on expiry and your principal added to that. For $72,500 you can get 22% interest per day for 30 business days, or 660% on expiry plus principal. For $75,000 the rate increases to 23% daily for a shorter term of 20 business days or 460% profit on expiry. For $77,500 LuxEarn credit your account with 24% per day for a term running 15 business days, allowing you to withdraw 360% profit plus principal on expiry. And lastly you will need at least $80,000 to join a plan for 10 business days and see your account credited with 25% interest per day. That’s 250% net profit paid on expiry plus your principal. No upper limits on spending are placed on any plan here either.

If anything in there appeals to you the next thing you need to know is what your payment options are. LuxEarn have a fairly good list of processors with the most popular ones included, leaning a bit more towards cryptocurrencies as that seems to be the direction the industry is headed. You can use any of PerfectMoney or Payeer as the more traditional payment handlers, and BitCoin, LiteCoin, Ethereum, BitcoinCash and Dash for those who favour cryptocurrencies. Payouts to members need to be requested from inside your private LuxEarn members account area. Technically these are promised to be completed manually within 48 hours during business days, and possibly even stretch to 72 hours if you are withdrawing over the weekend. From personal experience however my own withdrawals have all been done within a reasonably short space of time so far, so I’m guessing the longer waiting periods might apply mostly to things like principal returns. By the way, while no great fan of the practice myself, compounding is allowed if you want. Rates are fixed at 25%, 50%, 75%, or 100%. By default it’s already set to 0% so just leave it at that if you don’t approve of compounding either.

On the more technical side of things, particularly in relation to design and security, it probably comes as no surprise to anyone that LuxEarn is running off a script from GoldCoders. Most of the regular HYIP investors will recognize it as such, and it has all the trademark features and I will just confirm for you that it’s under license. Hosting is on a dedicated server with the support and protection from DDoS attacks provided by DDoSGuard. An extra layer of security is added with a superior Green Bar Extended Validation SSL certificate from Comodo to allow for safer browsing and more secure transactions. Also, the program’s domain name has been registered for a full ten years, 2015 to 2025. Not that it’s a difficult thing to do or that I’m expecting it to still be here by then, but it does show a certain level of professionalism from the admin.  On a purely aesthetic level though, for what it’s worth the LuxEarn website is excellent, well above average even if it is only a matter of personal opinion. It’s been designed to a highly accomplished level and even features a series of professionally made videos that form a sort of guide to the whole program.

If there are any further questions for the admin that you think he might explain better to you than this review or any other account related issues you need to have dealt with then LuxEarn can be contacted through several methods. Assuming you have read the FAQ page and can’t find an answer there, you can either fill out your details on the online e-mail support form and submit it or alternatively you can simply write directly to the admin at the e-mail address listed. Although you should probably start by trying the Live Chat support as they might be able to deal with your queries in real time before you go composing any lengthy mails. There’s a postal address in Australia where LuxEarn claim a company registration, something which can be safely ignored as it doesn’t give you any form of protection were it to be true, and not where you would find anyone involved with the program physically located. Of more practical use is the list of social media networks where LuxEarn have active profiles. You can currently find them on Telegram, Twitter, and YouTube. Currently the LuxEarn website is only available in English, though it’s expected that there are other translated versions in the pipeline. There’s a regional representative scheme in place where other investors act as promoters and support operators in return for improved ref commission rates. Check out the list if you think there might be someone in your area or speaks your language you want to contact, or ask the admin if you are interested in becoming one yourself.

For the business activities, by which I mean alleged business activities, LuxEarn are, we are told, “a international investment company” focusing on but not exclusive to cyber technology. It’s all a bit vague and more style over substance in that regard, but nothing the experienced HYIP player will pay all that much attention to. Just remember that even if any of the HYIPs you join were genuinely involved with a real business there would still be absolutely no guarantee their activities would bring you a profit. Remember that millions of dollars are lost in business markets every day just as surely as its won. So don’t delve too deeply into that side of things if LuxEarn is something you are interested in joining. Just treat it like any other HYIP and behave accordingly. Set yourself a sensible spending limit that you can afford to lose, and try and keep LuxEarn if you have anything there as a smaller part of a wider more diverse portfolio.

If you have already come to a conclusion about LuxEarn then perhaps you wouldn’t mind sharing your thoughts with your fellow MNO readers. Are you more or less likely to join LuxEarn now that it’s all been explained? Please answer the following opinion poll question, keeping in mind that it’s 100% anonymous and untraceable, as I think it will be interesting to look back on the results in the coming weeks/months when we have a better idea what direction LuxEarn is going in. It will also demonstrate to HYIP admins (and not just this one) what investors expectations and standards are before joining a program. So:

Will you make an active deposit in LuxEarn?

View Results

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Those of you who joined InstantBitex already might have noticed that you now have 1000 free units in their own InstantBitex cryptocurrency which is abbreviated as IBX. So obviously that the admin has been busy lately with legitimizing his own business by creating his own cryptocurrency. Members with IBX are also promised their balances will be bought off once IBX appears on the Coinmarketcap website. Here is what he said on the program’s Telegram channel in response to a question asked by one member:

Hi once our exchange get listed in coinmarketcap we will buy all Airdrop IBX for a price of 0.00000900. So you can hold your IBX until we join coinmarketcap”.

The first announcement of the so-called token airdrop was mentioned on the InstantBitex‘s Facebook page a couple of days ago:

Airdrop of InstantBitex– Intelligent Cryptocurrency trading platform.
Get 1000 IBX token airdrop on registration”.

As I’m no expert on cryptocurrencies (far from it actually!) I cannot really claim all the members of InstantBitex will benefit from this incentive, but it doesn’t hurt to join the program even if you don’t have any intention to invest anything starting from the $25 minimum and get paid from 0.5% to 1% per business day “forever”. If interested in investing you can always read more on InstantBitex in the more detailed review posted here, as the admin really deserves some credit for trying to create something unique and looking more legitimate than other alleged businesses that HYIP admins usually try to back up their stories with.

From other latest news in InstantBitex posted over the weekend the admin gave a link to the site’s API for public viewing and a link to a video review of InstantBitex in Indonesian was given, so if you speak the language and would like to know more on the investment process you might as well give it a look. Both short news pieces from InstantBitex are reposted below for your convenience (and yes, they do trade cryptocurrencies on the website too, just check it out!):

InstantBitex – Intelligent Crypto Currency Trading Exchange. Our API –”.

InstantBitex – Intelligent Cryptocurrency Exchange.
Thank you.


Here is the list of the programs from my monitor that paid me for the last 72 hours:
From MNO Sticky list: –
From MNO Premium list: InstantMiningLimited, LuxEarn (the first payment received).
From MNO Standard list: –
From MNO Basic list: ArbingSportBet, InvestmentSlots.

That is all for today, guys. I know that it’s not much going on in the HYIP industry at the moment, so it’s very possible I won’t be posting again until next week from Brno where I’m going to start my delayed summer vacation from. If there is something really important happening or any promising new programs coming our way I will certainly try to introduce it earlier than that, so it’s better to stay tuned and follow MNO on Telegram, Facebook, or Twitter, or subscribe to get regular updates directly to your mailbox from this page. Please keep voting in the MNO TalkBack opinion poll dedicated to “sleepers”, and as opinions on them are currently divided I will allow you more time to have your say. I will draw the final results in a few days from now. Remember that you can always contact me with your questions or listing requests at directly, via this contact form, or just chat with me live on Telegram @mnoblog. I will be pleased to share any advice on matters connected to the currently very quiet HYIP industry. After all, that’s what I have been doing it (and doing it right, I must say!) over eleven years now! Have some profitable investment experience and talk to you all again soon on MNO – For Money Lovers!

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