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Hello everybody! One of the most interesting websites in terms of professional design and organization I’ve come across in recent weeks is definitely AtomicBitcoin, a recently launched perpetual style program that, after two weeks online, is just putting the very first members into profit now. The program has now been added to the MNO monitor’s Premium List as of late last week (one of many new names there already since the New Year) so before today’s news section I’d like to have a look at AtomicBitcoin in closer detail and see what you guys think about this automatically paying program, and if you like it enough to add it to your own portfolios.

I’ll get to the investment plans in just a moment, however there’s something very important you need to be aware of first. Despite having reasonable list of payment processors, acceptable by current HYIP standards anyway, AtomicBitcoin themselves work exclusively through BitCoin. That means while you can make a deposit using PerfectMoney, Payeer, or AdvCash, AtomicBitcoin will then convert your dollars into BitCoin, and all subsequent withdrawals made by members must be made to a BitCoin wallet. So if you don’t already own a BitCoin wallet then it’s absolutely 100% essential that you create one before joining AtomicBitcoin because you won’t be able to get paid without one. For the sake of convention I’m going to describe the plans using dollars, you can just as easily deposit direct from BitCoin so check the AtomicBitcoin members area for those numbers.
So, for everyone else who already has a BitCoin wallet up and running and is ready to get started, you can join AtomicBitcoin with a $10 minimum. There are three plans to choose from, all of which are “perpetual”, i.e. they have no expiry date and will continue to pay members for how ever long the program manages to stay online. Your choice is basically whether you want hourly, daily, or weekly payments. The more frequently you withdraw the higher the interest rate being offered, however this also comes with a far higher risk. You should also remember that there is no option to withdraw your principal and leave AtomicBitcoin early. Once you are in that’s it, you stay in until the program ultimately finishes. Keep that in mind when deciding how much you really want to spend here, make sure you are fully committed to it, and don’t spend anything you might need back urgently in the event of a personal emergency.

The first plan is what I imagine is going to be by some distance the most popular with investors. It’s not on the face of things the most profitable option, but the rates are still generous enough nonetheless and it’s also the safest option. AtomicBitcoin ask for a $10 minimum to join, and in return are offering an hourly interest payment of 0.3%. Doesn’t sound like a lot at first glance maybe, but throughout the course of a day these payments add up to 7.2% which is substantially more than the average long term program, for example. Maximum spending limits are capped at $20,000.

It’s impossible of course to give a practical example of how a “typical” (if there is such a thing) investment might work here. It really does come down to literally not just the day but the very hour you join. Just for the sake of comparison against the other plans though, were you to invest $100 here you should expect AtomicBitcoin to pay you back $0.30¢ every hour, yielding $7.20 over the course of a day, and $50.40 for a week. What you eventually end up with once AtomicBitcoin eventually runs its course is anyone’s guess of course, I can just tell you the more important statistic that you need to program to stay online for at least 334 hours (or 14 days) in order for you to reach the break-even point. That’s when you’ll have earned an amount equivalent to your principal so you can’t possibly lose any money from that point on. Everything you withdraw after that is net profit.

If you don’t feel like making hourly withdrawals and are prepared to take an increased risk for a marginally better profit, AtomicBitcoin‘s second investment plan offers daily interest payments. The spending guidelines are unchanged, so a $10 minimum is all you need to get started or spend up to $20,000 if you want. The daily rate paid to members here is 7.5%. That’s just a 0.3% improvement on what’s being offered to hourly investors, so you need to ask if it’s worth the risk. Over the course of a week the payments would come to 52.5% Anyway, the same $100 deposit in this plan sees AtomicBitcoin return $7.50 per day for an indefinite period, meaning you just need them to be around for 14 or longer to break even and see your first profit. Your final earnings are naturally unpredictable, but as long as the program survives long enough for you to break-even then it’s all net profit after that.

Finally for the shall we say more leisurely investors, AtomicBitcoin have a weekly payment plan, i.e. you collect one single payment every week for as long as the program survives. You can join for a $10 minimum or anything up to a $20,000 maximum. You are offered an interest rate of 60% per week this time, which might look nice on paper but requires a huge leap of faith if you want to profit, not to mention patience and nerves of steel. As with the other two plans you still only need 14 days to reach the break-even point, the risk you are taking here is that if anything goes wrong before that you have a far smaller chance of getting at least some of your principal back in payments.

If you like any of those options enough to join AtomicBitcoin, then the next thing you need to know about is what your payment options are. As I already explained above, you don’t have to invest using BitCoin if you don’t want to, but you are going to need BitCoin for sure when you get paid because this is the only place AtomicBitcoin will send your payments. You can also use PerfectMoney, Payeer, or AdvCash to join AtomicBitcoin if you prefer the more traditional style payment handlers. One advantage to this system of course is the free currency exchange which is a nice bonus if you, apart from looking to invest, are also looking to move funds from let’s say PerfectMoney to BitCoin. This is also handy for anyone just getting started with BitCoin for the first time and interested in building up some funds there for future activities, HYIP related or otherwise.

It might be an unconventional way of organizing payments, but one thing I think a lot of you are going to like is that payments are all automatic. They don’t require any involvement from investors, so no need to log into your AtomicBitcoin account area and make any requests. Payments are fully automated, so all you really need to do is keep an eye on your BitCoin wallet to make sure you get it. You can however trace your investments and payments via the member’s area, as well as making any additional investments that will be treated separately.

Just be aware that if you are in the hourly plan, AtomicBitcoin while crediting your account with the interest every hour, don’t actually process withdrawals every hour. Interest payments are accumulated in your account for three hours, and then the withdrawal gets processed. So 24 hourly interest payments are actually grouped together in eight withdrawals, made once every three hours during the day. Smaller investors take note that to qualify for automated withdrawals you should have a minimum of 0.0001 BTC (approximately $0.08 at current exchange rates) owed to you.

Incidentally, don’t panic if you see that your payment has been processed but hasn’t shown up in your BitCoin wallet yet. Regular BitCoin users will know what I’m talking about here, and it really has very little to do with AtomicBitcoin themselves. Once they have processed your payment it doesn’t necessarily show up in your BitCoin wallet as fast as it would in one of the usual payment processors you see, it can in fact take several hours before it gets confirmed in the chain. So a little patience will go a long way here.

Looking at the more technical aspects of the AtomicBitcoin website then such as design and site security, this one is a real eye-catcher. Everything is up to a fairly high standard anyway, to be fair this is the minimum you’d be entitled to expect, with hosting on a dedicated server with the tech support and protection from malicious attacks provided by DDoSGuard. For an extra layer of protection AtomicBitcoin comes with a superior Green Bar SSL certificate from Comodo to allow for safer browsing and more secure transactions. It’s with the custom-made script however that the program is running off where AtomicBitcoin will really grab investors attention. Unique and developed especially to meet the needs of the program from scratch, it really is quite unlike anything I remember seeing in recent times. It’s very easy to navigate though, as you shall see from the members area. If you click the “My Account” tab you will see an interactive “atom” diagram appear on your screen. The various sections of this diagram are highlighted with all the information you need, including how to make your first deposit.

If you still have any further questions for the AtomicBitcoin admin that you think may not have been addressed in this review, or any account related issues that you need to have dealt with then there are a couple of ways to get in touch. Mainly you can write directly to support at the e-mail address listed on the contacts page. For other channels AtomicBitcoin are using the Telegram instant messaging service (it has nothing to do directly with HYIPs, but regular readers will have seen a couple of other websites using their services). You can download the Telegram app if you want, or use the website version if you would rather not. A postal address in the UK is included, where AtomicBitcoin have registered themselves as a company. A simple, straightforward, and affordable process without any questions asked and I think most regular readers know this will be more like a serviced workspace used for registration purposes and not where you would find anyone connected with running AtomicBitcoin physically located.

For the record, just in case anyone is interested, the alleged business activities behind AtomicBitcoin supporting payments to members involve trading crypto-currencies. All well and good I suppose if you could actually prove it. As with most online HYIPs there’s not a great deal you can do to research and verify any of this, so really, it’s best to just skip it as experienced players will already know. For the sake of newbies however I will just point out that even if this was true there is still no guarantee that it has to be profitable, and with interest rates as high as they are there is no way they can be sustainable forever. So remember to always behave responsibly, think of it like gambling as opposed to investing (which is what it is anyway!), and spend accordingly. Set yourself an affordable spending limit you can easily afford to lose, and earn back without any difficulties from other sources if things don’t go your way. And of course if joining AtomicBitcoin then try and keep them as a smaller part of a wider more diverse portfolio.

I can’t really think of anything else to add here, so before moving on to the news section I just want to ask what everyone else’s opinion is of AtomicBitcoin? Do you like your chances of seeing a profit enough to join? Please take a moment to participate in the following poll, which is as always completely anonymous and untraceable, and will I hope show some interesting results in the coming weeks and months. It will be good to look back and see, once we know exactly what direction the program takes for better or worse, how many people’s gut instinct was right:

Will you make an active deposit in AtomicBitcoin?

View Results

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As you might know from the detailed review of Mexeer on MNO posted here, the site positions itself as not only a successfull HYIP, but more so as an e-currency and exchanger. Well, at least the admin wants us all to think so and treat it differently from other HYIPs, perhaps even let your guard down in the hope of larger deposits. Who knows? It might prove a good move for Mexeer in the future, as we saw many successful stories of such original programs in the past that surpassed even the bravest expectations, mostly by passing themselves off as a real online business. Possibly Mexeer will be able to repeat one of these stories of success and we will see it developing into one of the biggest programs of 2017. I’ll certainly keep my fingers crossed for that!

Before getting to the latest update from Mexeer, allow me to refresh your memory on the basic principles of the program. So, in order to make an investment with Mexeer you will have to convert the currency of your choice to their own currency called MEX subject to exchange fees depending on the type of currency you use. That actually constitutes deposit and withdrawal fees you will pay on your investment with Mexeer that can be made in any of the three available plans – 2% for 75 days, 2.3% for 74 days, or 2.5% for 72 days. You can join from a $30 minimum either via regular payment processor like PerfectMoney, Payeer, or AdvCash, or go with one of the modern digital crypto-currencies like BitCoin, LiteCoin, DogeCoin, and a few other lesser known names. Then you get paid on every calendar day by requesting manual payments to be processed within a 72 hour maximum until your investment plan expires leaving you with a 50% to 80% net profit.

As Mexeer is an e-currency and an exchanger (or at least they maintain the facade of one), it’s the next logical step from them is collaborating with exchangers to form a third-party link between the MEX currency and people wishing to use them for some reason and get paid directly to their bank account or card, for instance. The latest newsletter from Mexeer reposted below is therefore largely dedicated to that subject and lists all the necessary requirements a partner exchanger must satisfy before being accepted. I hope that in the near future we will see some famous names from the exchange business come onboard and take advantage of the business opportunities presented in the following update:

We open to cooperation with exchange offices!
Due to the active development of the platform and the expansion of Mexeer platform geography we are open now to connect exchanger offices.
To exchange offices – it is an opportunity to get free traffic to new users and acquire MEX discount up to 6%.
For users – an opportunity to top up and withdraw funds to the local bank cards and bills, as well as other e-currencies.
Requirements to exchange offices:
– The presence of the deposit at least 3000%.
– Ability to work with cash or payment cards.
– General reserve exchanger should be at least $10,000.
– The maximum capacity of the commission to exchange MEX no more than 4%.
– Loan repayment by electronic currency which accepts by our platform no later than 5 days.
Administration Rights
– Application review for candidates is carried out for a few days;
– The administration reserves the right to disable the listing of exchangers in the process;
– The administration reserves the right to refuse to place in the rating of the exchanger on your own, without explanation.
We are focused on long-term and mutually beneficial cooperation with our partners.


Unfortunately I have to report that ArdexFunds is most likely a scam now, guys. The site has been offline since yesterday and the admin seems to have not made any attempt eeither to bring it back online, or answer his members. And that comes just days after I received a few complaints from investors who were not a part of my downline in ArdexFunds, but nevertheless invested really crazy amounts of money (someone was even talking about an almost $80K investment there). The question was never if, but when ArdexFunds was going to scam. There is still a possibility of them resuming to collect more money and it might be just a technical hiccup the admin has no idea how to solve yet. That’s why I took all the necessary precautions by moving ArdexFunds to Problem status on the MNO monitor and by issuing this warning on my blog. I cannot really fault the admin who managed to run ArdexFunds successfully by paying to all my referrals like clockwork over this incredible term of almost 14 months. It was a great money-making opportunity for everyone while it lasted and we will all surely miss ArdexFunds and look forward to the admin’s next venture. Meanwhile, everyone who emailed me today with their queries regarding ArdexFunds please note that I cannot do anything at this point or help you recover your money from there as the admin keeps ignoring my emails meaning that he doesn’t care anymore and has most likely abandoned ArdexFunds completely by now. This is the first big closure in 2017, but after a very long and successful run it was a great performer while it lasted. I hope for more such programs coming our way on MNO this year. Stay tuned for more great opportunities right here, on the MNO blog and monitor!


Although Payza was recently dropped from the list of the accepted payment processors by the biggest investment program in the HYIP industry Zinc7 (reviewed here), it’s still accepted by another long-running hit BandeiraCorp and I’m looking forward to see if other admins will take it onboard soon. The thing is Payza is often the only user-friendly payment processor for Americans whose tough anti-fraud legislation scared off many payment processors who refuse to work with American citizens following the closure of LibertyReserve by the US government a few years back cauising the major turbulence in the HYIP industry. Payza and Bitcoin and its interchangeable ability still have an unwavering demand from a certain category of HYIP investors who should be catered for by programs prepared to fill the gap and serve such people who wish to work directly with bank accounts and credit cards. Payza has been developing nicely this last year, but the harsher requirements for HYIP admins seem to have put them off and made it impossible to use for many admins – a trend I hope they will overcome this year. So, if you’re a Payza client or merchant and look for the latest info on their new features, below are the two latest blog posts for Payza merchants with an ultimate guide for processing online payments while the second update puts one of the fastest growing world economies – Bangladesh – in the spotlight:

The New Payza Business Manual is Your Ultimate Guide for Processing Online Payments
Now that you’re set up, our complementary manual will show how e-commerce merchants can best use our digital payment platform.
We are eager to share our latest information resource from the Payza Reference Center. Once you’ve completed the steps of our Merchant Setup Guide and start receiving payments, you can continue receiving guidance from our detailed Payza Business Manual. The manual provides in-depth, step-by-step instructions to assist you with day-to-day payments and business administration duties, as well as a consolidated overview of features available to you as a member of our payment platform.
You can consult the manual whenever you like, here, where you will find helpful guides for the following services and features:
Just like our Setup Guides in the Reference Center, we organized the manual into easy to navigate sections to help you when submitting customer support inquiries. If you encounter difficulties managing your payments, simply indicate the section in the guide you are experiencing difficulties with when you submit a customer support ticket.
(You can find our setup guide for Personal Accounts here.)
Your opinions matter: Tell us what you think
We made this manual for you, our merchants. Though we have a good understanding of your needs, we know that we can strengthen the content of our manual further with your feedback.
We encourage all Payza merchants to view the guide and suggest edits for sections that are unclear, missing information, or are simply not up to par with your expectations. We review all comments and suggested edits daily; rest assured, your inputs will guide us in keeping this manual robust and complete, as well as guide us in developing future resources for Payza members.
To provide your feedback, simply click the Suggest Edits icon at the top right of the page, below the search tool.
Stay tuned and expect an equivalent manual for Payza Personal accounts in the near future

Country Spotlight: Understanding Consumers and Cross-Border E-Commerce in Bangladesh
After the five *BRICS countries, economist Jim O’Neill identified a second group of eleven countries with a high potential of becoming among the world’s largest economies in the 21st century. One of these “Next Eleven” is Bangladesh, a South Asian country of 161 million people.
As the first and largest e-wallet provider to operate in the country, Payza has a close relationship with Bangladesh. We’ve invested heavily in the local e-commerce market and we are proud to say our investment has paid off for Payza and Bangladeshis alike. Today, the online retail market is growing more rapidly than ever and there couldn’t be a better time for international sellers to expand their business into this exciting country.
Unless otherwise noted, figures in this article are sourced from:
Ahmed Saad Ishtiaque and Adib Sarwa; University of Liberal Arts Bangladesh
Lh Jewel; Digital Marketing Bangladesh
– Ministry of Foreign Affairs Denmark; Bangladesh eCommerce Country Fact Sheet
Bangladeshi Consumers
– Internet penetration:5% penetration
– Mobile penetration: 23%
– Online shoppers: 5 million
– E-commerce sales: USD 38.1 million
– E-commerce annual growth rate: 200%+ (2013-2016)
Despite its relatively small size, Bangladesh is the eighth most populous country in the world, fifth in Asia, and third most populous Muslim-majority country. It’s also one of the world’s most densely populated countries with triple the density of neighboring India. The country’s primary language, Bengali, is the seventh most spoken language in the world.
If you visit Bangladesh today, you will not find the impoverished country it once was. Instead, you will step out of the airport to find a vibrant consumer culture, fresh from celebrating the 45th anniversary of Bangladeshi independence. Between 1990 and 2014, the country’s poverty rate went down by more than half, with the rate of extreme poverty dropping to 12.9% in 2016, a remarkable achievement in poverty reduction.
The new emergence of a consumer class in Bangladesh has led to a 72% growth in e-commerce transactions over the course of 2016, with business-to-consumer (B2C) accounting for 90% of all transactions. With over 60% of online shoppers between the ages of 25 and 34, the market is young and tech-savvy, though cash-on-delivery still remains the most common payment method.
Besides the usual success of online hotel and travel bookings, the most popular e-commerce categories for Bangladeshi consumers are electronics, books, clothing and, uniquely, food. Online food delivery platforms such as Foodpanda and HungryNaki have gained an impressive following in the last few years, while online grocery shopping platforms Chaldal and Direct Fresh are also experiencing strong growth.
Drivers and Barriers
Driver: Emerging Consumer Class
Today, only 7% of the country’s population is classified as middle or affluent class (MAC), but that number is rapidly rising. More importantly, consumer wealth is being dispersed regionally, with projections indicating that the number of cities with MAC populations over 100,000 will double within the next ten years.
Barrier: Debt Concerns
When markets shift out of poverty, there is always an increased level of consumer wariness. The new influx of disposable income in Bangladesh has made consumers optimistic – 60% expect their incomes to rise this year – but also wary of going into debt for fear of not being able to repay it.
Driver: Mobile
While most transactions are still in cash, two-thirds of MAC consumers in Bangladesh own Internet-enabled smartphones, allowing them to make the leap to mobile payments. Mobile banking is already quite popular, as is researching products prior to purchase, allowing the opportunity for retailers to reach Bangladeshi consumers via m-commerce.
Barrier: Loyalty
While brand loyalty is good for e-commerce as a whole because it brings in repeat customers and builds trust, it does make it more challenging for new market entrants. However, while Bangladeshi consumers cite brands as a top motivating factor for their purchases, they are also budget and quality conscious. Retailers new to Bangladesh can attract customers by undercutting the established competition or offering a better-made product.
Bangladeshi E-Commerce Facts
One of the fastest-growing markets worldwide.
– Rapid upward mobility: over 30 million more Bangladeshis are expected to make the leap out of poverty by 2025.
– Total e-commerce transactions grew by 72% in 2016.
– Total m-commerce market value doubled in 2016.
– Two-thirds of all e-commerce traffic comes from the two largest cities, Dhaka and Chittagong.
– 49% of online shopping traffic comes from new customers.
What we are witnessing in Bangladesh is an example of the leapfrog effect. A young and newly affluent population is rapidly adopting e-commerce, primarily by leaping straight from cash payment to online shopping via their mobile devices. While internet and mobile penetration are still relatively low and poverty relatively high, both of those facts are changing rapidly and experts agree that the market potential of Bangladesh is one of the highest in the world. By investing in this growing market, retailers can get a leg up on the competition and start building brand loyalty.
Expanding into a new international market is a risky venture but a very rewarding one if done right. For the latest information about how you can build and maintain a strong e-commerce enterprise and keep it compatible with legislation and buying habits at home and abroad, subscribe to the Payza Blog and follow us on Facebook and Twitter for the latest industry news.
*BRICS countries: Brazil, Russia, India, China, South Africa.


Here is the list of the programs from my monitor that paid me for the last 48 hours:
From MNO Sticky list: SoftMining.
From MNO Premium listZinc7RightRise, Razzleton, BandeiraCorpElizionBeyondPetroleumMexeerSoftmeetBit, IsafTechDateBitcoinAtomicBitcoin, DowerlyLensenGroup.
From MNO Standard listPalmills.
From MNO Basic list: Xabo.

That’s all for tonight, guys. As I’m flying from Wellington to Queenstown today I’m half way through my New Zealand vacation, exploring this beautiful country and feeling blessed at being able to explore the world while taking care of my favorite hobby – MNO blog and monitor. Of course, it would be nothing like this without my readers and followers to who I’m eternally grateful for giving me this great opportunity to express myself and help others succeed in the sometimes tough HYIP business. Thanks a lot for your support and I will, in turn, will do my best to help you with any questions you might have about the HYIP world in general or specifically any MNO monitored program. Please don’t hesitate to contact me either by writing directly to abramsonp@gmail.com or using this contact form and specifying the subject of your query for a faster response. Remember your feedback is always welcome and I will try to reply to your emails within 24 hours whenever possible. Another great way to keep in touch with MNO and your fellow investors is to follow me on Facebook and Twitter, and participate in sometimes heated discussions on the MNO ShoutBox. And of course, do not forget of the MNO Daily News subscription which you can do on this page and receive free daily updates in their entirety directly to the email address specified on signing up. MNO’s own Telegram News Channel is in the works from my programmer Andrew and will hopefully be launched within the next couple of weeks. I’ll keep you updated on the progress. Please also vote on your preferred method of reading MNO on the TalkBack page which will help me improve my site to serve you even better again. I’ll be back on Wednesday with the latest news from the most popular programs in the HYIP industry and a detailed look at BitcoinWorld once the first payment is received. See you soon, guys!

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