September 2018 Archives

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

Hello all, I hope you’re all keeping well after the weekend and are looking forward to some new opportunities for the coming business week! It’s still a bit early to anything with 100% certainty but there is definitely a reason for cautious optimism in the air right now with the HYIP industry arguably as close to recovery as it has been any other time this year. In fact it even occurs to me that as of today it’s been two full calendar months since I last reported a scam on the MNO monitor‘s Premium List which means first of all that this is still the best place for online investors but also that there is at least some stability out there even if it isn’t especially busy. With that in mind then I’d like to kick off today’s MNO news update with a closer look at CoinFinance, a new medium/long term program just added to the MNO monitor last week. In many ways CoinFinance goes down as an old fashioned “classic” style HYIP in the sense that it’s pretty straight forward and has nothing overly complicated going on there, without sacrificing quality however as it’s still quite well put together. So let’s see what it’s all about then and whether or not you think you have a place for CoinFinance in your autumn portfolios.

I suppose the best place to start is usually with the plans, that being the most important area of CoinFinance that most of you will want to hear about first. You basically only have one to choose from really, though this is split into five groups depending on how much money you would like to invest. So clearly some of them are much riskier than others in financial terms, though in reality this won’t be an issue for most readers as only one option has anything like a particularly affordable minimum spending requirement for joining.

First of all then all plans run for 70 business days, which is 14 calendar weeks or just over three months. CoinFinance accept a minimum deposit of $10. Spend anything up to $999 and they offer to pay you back at a rate of 3% per business day, that’s Monday to Friday, and then return your deposit on expiry. This eventually yields 210% net profit as well as your own money on top.

Or to put it another way, if you invested $100 you’d be hoping for a repayment of $3 per day, Monday to Friday, for the coming 14 weeks. This would then allow you to reach the break even point, i.e. earn back an amount equivalent to your initial investment therefore making it impossible for you to lose any of your own money, after 34 payments. This is just a day short of 7 full weeks so less than half way through the term which isn’t bad at all. On completion of the term you should come away with $210 in interest payments at which time the CoinFinance admin should then return your original hundred to add to that.

And that’s more or less how things continue, the 70 business day term being constant but the interest rates rising as members take a bigger financial risk. CoinFinance offer slightly improved interest rates for those taking a bigger gamble, with for instance 3.5% for70 business days being offered to investors spending from $1,000 up to $9,999. This allows for a final profit of 245% with your principal then added to that on expiry. The break-even point is reached after 29 payment days, just short of six full weeks.

Just for the sake of completing the numbers and for anyone who’s interested, rates for investors making less realistic deposits into to CoinFinance, starting from $10,000 to $49,999 the offer is increased to 4% for 70 business days, giving a total profit of 280% in addition to your principal then being returned. For deposits from $50,000 to $99,999 the rate is 4.5% for 70 business days, allowing a final profit of 315% plus your principal to be added to that. And lastly for those spending upwards of a $100,000 minimum (maximum capped at $1,000,000) CoinFinance are offering 5% interest for 70 business days, or 350% net profit in addition to your principal back on expiry.

Incidentally, aside from making cash investments there are other less risky ways to make money from CoinFinance, though generally speaking you will still need to have an active account with them. They’ve started running what’s known as a Bounty scheme, the idea of which is to turn as many investors as they can into promoters. It doesn’t really matter what your skill set is like when it comes to doing more technically demanding tasks, there’s something in there for everyone. Small rewards of just a single dollar can for example be claimed by simply keeping your ref link open on social media profiles. Bigger rewards can be earned from more elaborate promotional work, such as making YouTube video reviews or if you organise and manage social groups on the likes of Facebook and Telegram. If any of this is of interest to you then you can find more details on the CoinFinance website under the tab marked Bounty, or simply get in touch with the admin.

Payment options may or may not suit every investor out there, but they do follow recent HYIP industry trends of shifting away from the more traditional third party dollar based processors in favour of crypto-currencies. This now seems like more or less standard practice for many new programs getting started these days anyway. CoinFinance currently use BitCoin, LiteCoin, Ethereum, BitcoinCash, Dash, and DogeCoin. Your investment will convert to USD on deposit and back to your chosen cryptocurrency on every withdrawal, so your real profit value will be heavily influenced by the market volatility in cryptocurrency trading. Keep that in mind when investing as earnings could rise or fall depending on the day-to-day exchange rate. On the plus side, all withdrawals to BitCoin, LiteCoin, and DogeCoin lower than $500 should be processed instantly, which essentially means all transactions as far as 99% of readers are concerned. Requests to other crypto-currencies and anything over $500 are paid manually by the admin within 24 hours. Just log into your private members account area, make the withdrawal request as you normally would, and as long as you are within those parameters the transaction will be set in motion immediately by the script. Smaller investors please take note – CoinFinance have a minimum withdrawal policy of $1, so make sure you have enough because if you don’t your request is not going to be handled.

Other than that I guess the security and design features don’t really throw up many surprises either, with CoinFinance being fairly typical of what you might find with HYIPs like this. Nothing particularly memorable but no obvious problems to complain about either and everything up to an acceptable industry standard. The website is running off a script under license from GoldCoders for example so it will have an instantly recognizable feel for most of the regular players who’ll find it easy enough to navigate. For an extra layer of security CoinFinance have also implemented SSL encryption by GeoTrust with an Extended Validation certificate for safer browsing and more secure transactions. Hosting is on a dedicated server with the support and protection of DDoSGuard which has been quite a hit among the HYIP admins lately.

If you have any further questions for the CoinFinance admin regarding his program or any account related issues you need to have dealt with then naturally you should always go to the FAQ section first. If that doesn’t help then check to see if there is a Live Chat operator online as we are told this is a 24/7 service. For more direct access to the admin you can get in touch either by filling in your details on the online customer support form and submitting it through the contacts page, or else simply by writing directly to the one of the listed e-mail addresses yourself (the exact address will depend on what your issue is). A postal address is listed in the UK where CoinFinance has also been registered as a company, something which can be done quite easily and cheaply online but creates a better impression for HYIP industry newbies to spend a bit more. It comes with a phone number as well so feel free to try it if you expect someone might answer.

There’s really no more than that I can say about CoinFinance for now I don’t think. Just that if you are looking for anything like a business plan backing the whole thing up or further information about how they make money it’s just what you usually see on HYIP websites. In this case we are told that this is trading and investing in the cryptocurrency markets. It’s not a difficult thing to do I suppose, the admin may very well do a bit of this in his own time, but that still means there’s no real excuse for you to start treating CoinFinance like anything other than what it really is – an internet based HYIP, untraceable, and a risk. It might be a lucrative risk, then again it might not. So approach it with some degree of common sense and be realistic in what you honestly think such a program can genuinely deliver. Set yourself a sensible spending limit that you can easily afford to lose (because you can lose as well as win) and if joining CoinFinance at all then try and keep them as a smaller part of a wider more diverse portfolio.

If you’ve given it any consideration then I’d just like to finish up by asking what you guys think of the whole thing. Please answer the following opinion poll question, keeping in mind that it’s 100% anonymous and untraceable. I think it will be interesting to look back on the results in the coming weeks/months when we have a better idea when the industry starts to become more active again as the autumn progresses how things work out with CoinFinance.

Will you make an active deposit with CoinFinance?

View Results

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With an almost total lack of news to report from the monitored programs today (not a bad thing at all considering they all keep their Paying Status on the MNO monitor) allow me to concentrate on the results of the last poll which ran recently on the MNO TalkBack as well as posting a new question for you to consider.

So, before the results are discussed and analysed I’d like to remind you (as if this was really necessary!) that this past summer has been disastrous in terms of good quality programs and experienced admins running them. More or less there was close to no investment activities or much interest from online audiences and that was unprecedented even comparing it with the worst periods in the HYIP industry that I can remember myself (and that’s over 12 years now!). There were certainly many complex reasons behind this so I was asking readers the question why they think it happened and what they thought was the main factor that influenced such a sudden slump. The exact question sounded asked the following – Do you think that the current low activity rate in the HYIP industry is mostly due to…

Almost half the people who voted in the poll that was available on the MNO TalkBack page over the last seven days (47% to be exact) believe the slowdown happened due to “the absence of big programs capable of leading”. That is very true I must add because we all know that without proper leadership the HYIP industry is not as strong as it is with even just one or maybe a couple of really big programs that lead the course and show and inspire other admins an example of what can be achieved with the right management and positive mindset. In the past I even wrote an article on the subject which still remains relevant today (click here to read it) and I’m pleased that many of my readers share the same opinion. A combination of all factors involved and responsible for the current industry slump was voted for by exactly a third of the readers who voted in the poll – 33%. They believed that it’s because of a “lack of interest due to a combination of the above” the industry has been in its worst shape over the last few months. 13% go on to blame “lots of fast scams and low-budget programs” for the poor state of things, while only 7% believe that the recent “closure of Payza and issues with AdvCash” in which it literally departed the HYIP industry due to external business pressures could be somehow connected to the current slump in activities as well. All of the people who voted in the poll are right at least partially and there could be many other things that contributed to the dire state of things in the industry we’ve all been witnessing for over the last few months. There is just no doubt in my mind (and in the minds of some of the experienced HYIP admins that have contacted me lately thinking of launching further “big” projects) that this situation will improve significantly in the future, whether it’s a matter of a few days, weeks, or even months. We will wait and see but will certainly look forward to better times when it happens!

The new question for the TalkBack is in regards to the five programs currently found on the Premium List of the MNO monitor. I would like to phrase it in such a way that my readers could vote for the program which they believe they have the best chance to be in profit from. The exact question will therefore read like this:

Which of these five HYIPs do you think most likely to be profitable?
BitBoots (reviewed here)
CoinFinance (reviewed here)
InstantBitex (reviewed here)
InstantMiningLimited (reviewed here)
LuxEarn (reviewed here)

As you can see, in the poll I’m also including the links to the program’s respective reviews so you can refresh your memory of what they’re all about. The names of the five programs are also given in alphabetical order, so not to influence your impartial decision in any possible way. Note that you can vote for the program you think might give you the best shot at getting profits on this page and that the poll will be open for votes on the MNO TalkBack page for at least next seven days or even longer. All votes are completely anonymous and untraceable and you may only vote once, so please make your choice and vote here. Thanks in advance for your active participation, guys!


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: InstantMiningLimited, LuxEarn, CoinFinance, BitBoots.
From MNO Standard list: –
From MNO Basic list: ArbingSportBet.

That’s all for today everyone. While there seems to be little going on in the HYIP industry at the moment from my previous experience I know this can change overnight. That’s why it’s of utmost importance to watch the MNO monitor closely for any possible additions you might enjoy. In order to always stay in the loop and not to miss any interesting high-budget program please make sure you follow MNO on Telegram, Facebook, and Twitter, or just subscribe to get the regular blog articles directly to your mailbox. You may contact me if you have any questions or advertising requests via the following methods – submit this contact form, email me directly at or just chat with me in real-time on Telegram @mnoblog. I am always pleased to hear from you, guys, and if you wish to share your thoughts on the latest question posted on the MNO TalkBack and pick your favourite investment opportunity don’t hesitate to click here and have your opinion count. I’ll be back with the next news update from the HYIP industry and a possible introduction of a new program on my monitor in a few days time. Have a nice week ahead of you and remember that MNO is For Money Lovers!

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