September 2018 Archives

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Hello all, and welcome again to another business week on MNO, your one-stop-shop for only the best money making opportunities in the HYIP world. OK, so it’s not Monday and the usual way to start your working week, but in this case I needed a little extra time. And I think you’ll agree why when you see the program I want to discuss today, the latest addition to the MNO monitor’s Premium List CryptoVilla. Just to clarify, the nature of CryptoVilla‘s investment plans meant I wasn’t able to request a formal interest payment before today, hence the delay in being able to approve it as an official paying program. But the program seems to have piqued the interest of a lot of readers who have contacted me asking what it’s all about and how it works. The thing is, it’s easy to be a bit intimidated by CryptoVilla at first glance. I don’t want to say the program is unnecessarily over-complicated, it’s just that it bears very little resemblance to regular online HYIP sites. Don’t worry though, I’ll do everything I can to demystify the CryptoVilla website and explain the investment process for you here. Actually the basic premise behind, or concept if you prefer that word is just the same and as simple as any other online HYIP – you invest money in CryptoVilla in the hope that you will withdraw more than you spend. That’s the way it is with this and every other program on my monitor, the only difference is the CryptoVilla admin has decided to organise things a little differently that what most of you would probably be more familiar with.
So, where do I start? Usually the investment plans would be the best place, but first I think it necessary to outline some background information on the program and how CryptoVilla operates. There are reams of information on the website, maybe that’s a bit overwhelming for some, but let’s be honest we know a lot of this can be ignored. Experienced investors always know to just watch the numbers and leave the rest.

To begin with then CryptoVilla is itself an alleged crypto-currency such as BitCoin or Ethereum. That’s what you are buying and investing in. The price is something to be speculated on, so may go up or down. The idea is that it will go up, thus financing the payments to investors. Investments can only be made via either BitCoin or Ethereum, so no straight forward “dollar” based processors in use here. Your deposit is then channeled through the CryptoVilla currency (CVL). Basically, you buy CVL tokens with your BitCoin or Ethereum funds which will then be converted to a new token BTN in your account. The interest payments can be exchanged to Ethereum funds and withdrawn instantly to your Ethereum account. Although BitCoin can be used to join CryptoVilla, Ethereum is the only currency you can be paid with, so unless you have a wallet there or intend to open one soon, you have no further business continuing here.

I’ll get to the actual practicalities of how to make an investment in just a moment, but first let’s just stick to the simple stuff – the numbers. Plans are described using dollars for simplicity sake, despite “dollars” playing no real role in the operation of CryptoVilla. You will need the equivalent of $50 to make a minimum deposit, so that’s above the industry average and may put a lot of the smaller players off joining, at least until the admin can build up a trusted reputation anyway. There are three distinct plans to choose from. For most readers I suppose only the first one will be considered seriously as the others carry much higher minimums. In this case you are committed to a 30 calendar day term, with CryptoVilla making interest payments once every five days for the duration. For this plan can get a payment of 21.66% every five days for a 30 day plan. That means six payments in total of 130% by the time it finishes, or your own money back plus 30% net profit.

A longer term option offers a smaller payment of 11.11% every five days but as the term now stretches to 90 calendar days this allows for a much bigger profit, though a longer waiting time to start earning it. There should be 18 payment days in the given term, allowing you to pocket a return of 200% on your investment. As CryptoVilla are including your principal as part of the interest payments that means a full 100% net profit for you plus your own money and a break even point of 45 days. Sounds good, but as the minimum investment required to join is currently $2,000 it’s only going to attract the biggest spending HYIP players out there, and the number of those still around is getting pretty thin these days. But who knows, the autumn is definitely seeing a level of recovery this year.

The third plan also offers a payment every five days but will now set you back at least $10,000 to join. The rate further drops to about 8.88% interest this time with the term now running for 180 calendar days. With your principal included in the payments that comes to 320% return, or a 220% net profit. You would break even after 12 payments, so that’s 60 days until you are making a passive income from your CryptoVilla investment.

As for your payment options, I think I’ve got that pretty much covered already. But just to recap, you can use either BitCoin or Ethereum to join CryptoVilla, but can only be paid to Ethereum. Payments will need to be requested from inside your members account area, but once done should be processed instantly by the script. Do be aware however that CryptoVilla impose a 2% withdrawal fee on your earnings. Never a popular thing with investors, to the admin’s credit he has in fact cut this in more than half since the program began operating. But still, as this will eat into your profits make sure to factor it into any calculations you make before joining.

OK, so the plans as you can see for yourself are really quite simple. A little unorthodox maybe with the payments spread over five day intervals, but overall still very straight forward. What isn’t so simple is the process of buying your way into one of them, but I’ll explain it for you as best I’m able to here.

Remember how I said CryptoVilla is positioning itself as a digital currency? Well, that’s the first thing you are going to be buying. Tokens are abbreviated to CVL and will be how I refer to them from now on. Initially at the time of writing the original version of this review I said the rate pegged to the US dollar at a flat rate of 1:1, so in other words $100 was equal to 100 CVL, the minimum cost of joining at that time. By now the value has doubled to a 2:1 rate, so now with the minimum cost of joining the program tumbling to 25 CVL the dollar equivalent is now a more achievable $50.

Once you have your CVL however things take another twist. They are now exchanged automatically for another form of token, this time called a CryptoVilla Booking Token and abbreviated to BTN. It’s these so called BTNs that are at the core of the alleged day-to-day business we are told CryptoVilla is involved with, facilitating peer-to-peer property rentals over the net (sort of like AirB’n’B or CouchSurfing). Indeed it’s been claimed by the CryptoVilla admin that some 79,000,000 CVL tokens have been “burned” so far, half of which go back into the conversion of BTNs which is what’s keeping the rate so competitive.

It’s also been reported that soon (watch MNO for a more exact starting point) CVL tokens will be listed on exchanges, where it can then be traded for BTC or ETH. Until then, you still can buy CVL token on the CryptoVilla platform, but after it gets listed you’ll have to purchase it exclusively on external exchanges. It’s the admin’s belief that the CVL token will have a strong demand on the exchanges and therefore result in constant growth. Now you can withdraw CVL tokens to external ERC-20 supported Ethereum wallets (i.e., You can also transfer CVL tokens into your CryptoVilla balance using the top-up function.

By the way, that’s just the official exchange rate right now at the time of writing. In fact the price of the so called CVL tokens is going to gradually get more and more expensive in stages. Essentially that means that while the percentage profits might still be the same, the cost of buying an investment does not necessarily have to increase. Well, in two of the three plans it did, with the minimum cost of joining having doubled in line with exchange rates. The reason it didn’t happen in the more affordable first plan was simply because the admin made a smart business decision to slash the minimum cost of investing there from 100 CVL (which would have seen prices jump to $200) back to the now more sensible 25 CVL or $50. He may yet do the same with the other plans, I really can’t say, but if he does I’ll report it here on MNO.

When you are ready to proceed then, from inside your account area you should first click on the Finance Tab on the left hand panel. This opens a couple of different options for you, including Convert and Wallet. This is where you decide the plan you wish to join, the amount of CVL you wish to purchase, and how you then convert this into BTN. To sweeten the deal for first time investors and to encourage larger deposits, anyone making a purchase of at least 300 CVL (i.e. a $600 investment) is offered a bonus of an extra 100 CVL for a limited time. For those feeling more generous you can claim a one time bonus of 200 CVL on a purchase of 1,000 CVL, or a bonus of 1,000 CVL if your first purchase is to a value of 5,000 CVL. This will at least cover the cost of your 2% withdrawal fee anyway. There is of course an alternative way to use your earnings, though I’m not sure that experienced investors would take it all that seriously. You can, ostensibly anyway, hold on to your CVL or BTN tokens and not withdraw them. According to the official line of business you can use these tokens as payment to arrange private vacation accommodation worldwide. Speaking as a HYIP monitor here I can’t say I’d personally recommend anything other that making as many cash withdrawals as possible from any program, but for the sake of the review I’m just pointing out that CryptoVilla make the offer and it’s up to you what you do with it. Choice is always yours.

To convert your tokens you again stay with the Finance Tab, and click the “Convert” sub-heading. On this page you “how many days” (i.e. the 30, 90, or 180 day investment plans), then enter the amount of CVL you want to convert, then choose to get Ethereum (there are no other options as I’ve explained), and finally just hit the button marked “Convert”.

Now that you know how to join and make an investment with CryptoVilla, what happens five days later when the time comes to get paid? Simply go back to the Finance tab in your account area, and under that click the Wallet button. At the top of the page you will then see, in Ethereum, how much you are owed. Assuming you are withdrawing the full amount, you need to write this into the blank withdrawal box on the right side of the page. By default the other box next to this will display the amount you will actually receive, as this takes into account CryptoVilla‘s 2% withdrawal fee. You then choose the Ethereum wallet you want this payment to go to. If you haven’t entered your wallet details yet (for example you may have joined with BitCoin and neglected or forgotten to enter your Ethereum details for payment) you can still do it now by clicking the button to add a new wallet. Once done, the Withdraw button will now be active. You will need to enter a person PIN code as well, I’ll explain where you get this in a moment, but once you hit the withdraw button that should be it, payment is handled instantly.

Moving on now to the more technical side of things such as design and account security, CryptoVilla is running off a totally customised script developed especially to suit the program’s unique needs. Hosting is on a dedicated server with DDoS protection from OVH, quite a well known service provider and popular with regular more mainstream online businesses. For an extra layer of security you will see that the CryptoVilla website carries a superior Green Bar Extended Validation encryption cert from GeoTrust for safer browsing and more secure transactions. The CryptoVilla domain name has been registered for five years in advance, not a difficult or expensive thing to do but always a sign of a professional admin who knows how to deal with issues today before they become problems tomorrow. The whole concept behind the program, its business model, future goals, terms & conditions, etc. are outlined in a pretty hefty 38 page PDF document that all investors are urged to read through when they have the time. This is called the WhitePaper and opens in a separate window when you click the tab for it on top of your screen on any CryptoVilla page.

There is one other security feature I need to tell you about, and please note that is VERY important that you pay very close attention to this. It concerns a PIN code that you will need to write down and save. This PIN code is an eight digit number randomly generated and assigned to you on joining CryptoVilla. You will then need this code to manage your member’s account area, make any changes, etc. Nothing unusual about that you might think, many programs have had similar protective measures against hackers in the past, but what’s different here is that you will not be receiving a copy of this PIN by email. It just appears on the screen in front of you, it’s then your responsibility to store it as you see fit. Just grab a pen and keep a hard copy by writing it down in a notebook before emailing it to yourself. Also to make the CryptoVilla more accessible to a wider audience it is now multilingual. The site is now available in six languages – English, Turkish, Czech, Hungarian, Polish, and Russian. I can only assume the other language versions are flawless because the Russian one is written either by a native speaker or a least a professional up to a fluent standard.

If you have any further questions for the admin or any account related issues then points of contact with the program’s online support are mostly not included on the website’s support tab but rather on the WhitePaper PDF file. Quite an abundance of them actually, with CryptoVilla profiles on many of the more popular social networking sites such as Facebook, Twitter, Instagram, Medium, and Reddit. Obviously before trawling through any of them you should start by reading the FAQ first. If there’s still something you are unclear about, personally I found the most effective means of communication with the CryptoVilla admin to be Telegram. I also noticed a phone number you can try if you expect an answer. The international code is from Singapore but don’t think that really means anything these days, online “virtual numbers” are quite easy to set up and can be made to look as if you are calling any telephone line in the world when in reality you are only getting through to someone’s laptop. Lastly there is a separate support page where you can raise and track support tickets, however at the time of writing there is no secure connection there so be careful about accessing it and what information you enter. For the record CryptoVilla has been incorporated as a company in Singapore. Not the UK where most HYIPs get their cheap certificates this time, but nonetheless not to be taken as some sort of official government backed sanction to run a business and no guarantee or protection from losses. It may very well encourage more HYIP industry newbies to get involved with CryptoVilla though and give a little boost to initial cash and deposit reserves.

By the way, there is quite a helpful video that tries to explain the business workings behind CryptoVilla available on their website. If you don’t want to go browsing to find it then it’s been embedded on the MNO monitor for easier access. It’s not so much a “how to” guide, rather an explanation of the plans, how they work, and why your investment is converted from one currency to another and back again.

Claims of any real business activity as already mentioned above, online vacation rentals, are at least original. Certainly nothing that I remember seeing before but just for the newbies, don’t go looking for anything you can independently research and verify. CryptoVilla are to be treated as any other high risk HYIP, no better and no worse, though as longer term programs go I have to commend them on organizing something really unique here, but whether the concept catches on and there is a demand in the market for what they are selling isn’t going to be clear for a while. Original concepts like this aren’t created overnight and the admin has clearly put lots of time and effort into making something so profoundly different. Nevertheless you are strongly advised to stay well under a sensible spending limit you can both afford to lose if things go wrong and also easily earn back from other income sources. And if you do decide to join CryptoVilla then try and keep them as a smaller part of a wider more diverse portfolio.

Just before we move on to the news section I want to finish up with CryptoVilla, at least for today anyway, by asking what readers think of it. You can weigh up the pros and cons of joining, and decide whether it’s a risk you think worth taking. I hope then that you won’t mind answering the following opinion poll question, which is as always 100% anonymous and only takes a second to complete. Thanks to everyone who votes, as it will make interesting reading maybe not today but several weeks from now when we look back on CryptoVilla and see how it has developed by then:

Will you make an active deposit in CryptoVilla?

View Results

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Staying on the subject of CryptoVilla, the admin has been quite active on Facebook where all important updates on the program are usually published. Even if you have not read the above-posted review of CryptoVilla and haven’t seen the video embedded on the MNO monitor, you should definitely visit the Facebook page to read the explanations provided on how the program works and what the main benefits of joining it are. Two of the latest updates I have decided to re-post below just to give you a taste of what can be found on CryptoVilla‘s Facebook page:

CryptoVilla is a quite comfortable and effective cryptocurrency trading platform!
Minding all the complex mojo, dealing with us provides a lot more, than any other platform out there. It’s not only about trading. Yeah, you can grow your income by trading CVL tokens to Ethereum tokens, but in the same time you can just spend them on real estate booking.
Speaking of villas and other lodgings, you’ll need to convert your CVL tokens to BTN tokens first. There are three conversion plans: 30-day, 60-day, and 180-day plans with 120%, 180%, and 250% growth respectively. Depending on your choice, you’ll get from 1.2 BTN to 2.5 BTN tokens per each CVL token converted.
So, don’t waste your time, and look up for a villa, palazzo, house on haunted hill, or hifi-flat and get started with a CryptoVilla plan!

CryptoVilla has a secure transaction system that reduces any transaction-related risks to zero.
When you buy Cryptovilla tokens (CVL), you automatically get enlisted in the global exchange system – you can trade them and increase your investment’s value. After converting them to booking tokens (BNL), you can simply focus on booking lodgings, while not losing even a single penny.
Try it out and see for yourself


What can be a better measure of popularity than some malicious people’s doings trying to take advantage of the fame of a good program by impersonating them? As they say, imitation is the sincerest form of flattery, though I don’t think paying a compliment was the intention here. Well, it appears to be the case with LuxEarn whose admin has reported on some suspicious activities of an individual who had the talent to create a Telegram group and even a bot to make others part with their hard-earned cash. The admin of LuxEarn therefore had to act immediately and just a couple of days ago he issued a statement where members were strongly discouraged from falling into the crooks’ hands while all the official social media accounts actually owned by LuxEarn were reminded. If you’re an investor of LuxEarn please be aware of this attempted scam and read carefully what the admin had to issue in the update re-posted below:

Fake Telegram bot and group!
Dear Friends!
We was informed that some person, using the name of our company, has created the group in Telegram and a Telegram bot, that offers investments on behalf of our company. We want to warn you that they are do not have any relation to our company.
Our company does not have any groups in Telegram, and moreover our company has no any Telegram bots. All financial transactions occur ONLY through LuxEarn, the only official website of the LuxEarn Proprietary Ltd company. All other domain zones are NOT official and they can not be trusted!
Dear friends, once again we want to pay your attention to the fact that we have ONLY 3 (Three) official social media:
Twitter, here is the only proper link:
Youtube here is the only proper link:
Telegram Channel (NOT A GROUP, BUT A CHANNEL!!!) here is the only proper link:
All other social media are NOT OFFICIAL and they cannot be trusted!
We also want to pay your attention to the fact that our staff never contact you and would never ask to provide your personal information. If somebody contact you on behalf of our company and are asked to provide any personal information – in any case DO NOT DISCLOSE your personal information!
With love and best regards, LuxEarn team

If you haven’t read the detailed review of LuxEarn posted here, I should remind you that the program accepts a wide variety of payment processors in BitCoin, Ethereum, LiteCoin, BitcoinCash, Dash, PerfectMoney, and Payeer. The minimum deposit starts at $25, however, for the majority of the plans you’ll need a much higher amount. The huge variety of investment offers include the following options all of which also promise to return your principal on expiry – 2.75% for 40 business days, 2.25% for 60 business days, 1.25% for 80 business days, 1.1% for 100 business days, 0.5% for 356 business days, 250% after 10 business days, 270%-360% after 15 business days, 340%-460% after 20 business days, 210%-800% after 30 business days, 260%-1600% after 40 business days, 500% after 50 business days, 360%-4000% after 60 business days, 440%-8000% after 80 business days, 800%-14000% after 100 business days. Note that LuxEarn‘s accounts can be credited either every business day, or once at the end of the term, so read the terms and conditions carefully before committing yourself to any investment.


Here is the list of the programs from my monitor that paid me for the last 120 hours:
From MNO Sticky list: –
From MNO Premium list: InstantMiningLimited, LuxEarn, CoinFinance, BitBoots, CryptoVilla (the first instant payment received).
From MNO Standard list: –
From MNO Basic list: ArbingSportBet.

That’s about all I have to tell you about from the HYIP industry for today, guys. All the programs that are listed on the MNO monitor are paying fine and there were no scams among the Premium listed programs for over two months now. If you think it’s not a sign of the highest quality of the monitored programs then check out some of the other monitors who report scams almost every single day. This is exactly what the main difference with MNO is – I only list the most superb investment programs with the highest advertising budget by deliberately weeding out possible fast scams with the prices I charge for my service. I also know of lots of admins queuing to launch their programs in October, so make sure you won’t miss any of the promising newcomers to be listed on the MNO monitor soon. In order to stay updated please follow MNO on Telegram, Facebook, and Twitter or subscribe to the regular blog updates to be sent directly to your confirmed email address here. I can be contacted via three main methods – either submit your query via this contact form, or write to me directly at, or just chat with me live on Telegram @mnoblog. By the way, the latest poll on the MNO TalkBack page where I’m asking my readers to help me determine the best way of contact is still running and you can make your vote count here. I will draw the results of the poll and will also share with you the latest updates from the most popular HYIPs in the next MNO blog article to be published in a few days time. Stay tuned, guys, and talk to you all again on MNO – For Money Lovers!

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