Nov 12th, 2014 Archives

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

Hi everybody! After an unexpected delay which I’ll tell you about later I’m finally getting around to reviewing one of the newest and most promising programs on my monitor, I’m pleased to finally be listing what many observers seem to be expecting will turn into the next big thing. It’s called Raisean, I imagine many of you are already aware of it since it launched just at the end of October, and I’d have to agree that if it manages to survive the annual slowdown in the industry coming before Christmas then yes, Raisean could very well become the first real giant of January and 2015. Exciting times ahead then, so let’s hope things work out well. Raisean has already attracted a lot of attention even prior to joining the MNO monitor so I guess a lot of investors are banking on this being a success. I also have all the day’s main news stories from around the biggest programs in the industry as featured on the MNO monitor coming in the second half of today’s update as usual so keep reading for that, I’m sure there’s going to be something useful in there for you. But first to Raisean and what the program has to offer. We’ll see if you agree that it might be worth taking a gamble on or not. After three weeks online no one is even close to a profit just yet, so remember it’s still a fair enough assumption to treat them as a totally new program.
There’s a lot to like about Raisean, so much so that it’s difficult to know where to start, but I think it could be argued that the single best feature of the program is its investment plan – the starting point for most investors anyway. Raisean have organized things in a more unconventional manner that most. There’s basically just one plan, however there’s such a degree of flexibility that the eventual outcome can improve results for some of the more active members.

I’m going to give you a slightly simplified version of how the payment system works in Raisean by the way. In actual fact the accruals are made to members in real time, paid per second. So you can watch the payments racking up in tiny increments over the course of the day and withdraw whenever you like, subject to the program’s minimum withdrawal rules. However for the sake of making things easier I’m going to talk about how the interest rates build up to their daily total as that will make things much clearer to understand.

So here’s how it all works. I suppose if you absolutely have to compare Raisean to other programs then you could probably describe it as long term. In reality though Raisean doesn’t actually have a fixed investment term as such. Instead they have an earnings target, and pay their members a variable interest rate every day until such a time as you reach that target. There are ways to increase the target which I will explain in a moment, but for all investors the basic entry level return is 150%, i.e. that’s the minimum everyone can expect no matter what the circumstances. You will need a minimum deposit of just $10 to join, and all members regardless of size will receive the same interest rate even though that rate will change from one day to another. Members receive that payment every day (clocking up by the second) until such a time as it accumulates to 150% of your deposit. Your principal is included in that figure, so it’s your own money back plus 50% net profit for yourself.

There are two modes of interest rate. The full rate that Raisean pay on business days, Monday to Friday, and a reduced rate paid over the weekend and for holidays. For most of the week then the accumulative rate over the course of any 24 hours can vary from 1% to 7%. During the course of the weekend this will be pared back to a (still lucrative) rate of 1% to 2%. The final rate of any given day will be posted on the Raisean website every evening at midnight, server time. You can see the historical rates there as well which will give you a rough idea of how long it might take you to reach the eventual returned of 150% returned. For example, if we assume the average daily payments up to now were to continue at the current pace, you’d be looking at something just barely above 3.1% per day. Taking into account the fact that payments drop over the weekend, under current conditions members might expect to break even in around a month and finish with their investment after maybe seven weeks or so. By no means should you take that for granted of course, a lot will depend on simple factors like what day of the week you join Raisean, but that’s a fairly basic snapshot of how things might work out at the moment. You may expect that to change over the coming weeks and months, however the basic premise remains unchanged – Raisean will pay you every day for how ever long it takes you to get a 150% return on your investment.

Members can, on meeting certain criteria, get a substantially higher return on their investments. Up to 170% in fact. The daily interest rates will not increase, these remain the same for all Raisean investors, what happens is that you simply remain a member for a longer period of time. Bigger spenders will be able to take advantage of this for a start, however there’s no need to worry if you can’s afford the higher amounts as Raisean are happy to reward the smaller investors just as much if they are prepared to work on the promotion of the program.

There are four levels of membership in Raisean, or “rankings” as they are described on the website. What I have just described above is the basic entry level which applies to all members. Members in the next level up, Rank One, will be rewarded with a slightly extended term, remaining members of Raisean until they reach a target earning 155%. So how do you go about earning this extra 5%? Well, there are three ways to go about it. Wealthier investors can simply buy their way in, because if you make a deposit larger than $1,000 Raisean will automatically move you into this group. If you can’t afford that kind of money then don’t worry, Raisean won’t discriminate in favor of the richer members. Smaller investors can also take advantage of the improved rate if they are prepared to work at it. You can claim the higher rate by having ten active investors in your downline, or else by having more than two active extended deposits of your own.

Rank Two is the next step up. The interest rate itself does not increase on a day-by-day basis, just the number of days you receive it for. Raisean‘s target earning for members in this group is 160%, or 10% over the basic members. For this to be achieved members have a choice of three courses of action. Bigger investors can get it by making a deposit of $5,000 or more. Alternatively if you can’t afford that you can simply work for it by building a downline of 50 active investors. Raisean also offer this rate to members with more that four active extended deposits.

For the maximum possible return of 170%, members will have to be in the very upper tier of the program in Rank Three. This includes the biggest spending players with at least $10,000 in Raisean, or a downline containing at least 100 active members. Being realistic here I doubt very many of you could achieve either of those criteria, as the deposit is just unaffordable and a downline of that size would only be seen in the very biggest monitors. The rate is offered however to members of Raisean with more than six active deposits.

I have to say I’ve always been a big fan of programs that keep tighter control over their own cash flow like this, and by changing the rates from day to day according to the fortunes of the program the admin can keep the whole thing running for longer, ultimately helping a lot more people get into profit. You see even when the rate drops as it will from time to time the ultimate earning target – for most members that’s still 150% – won’t change. It might take you longer to get there, but you still know what the final outcome will be. Cash flow is of paramount importance in this industry, or rather the responsible management of it is, and I think all reasonable investors would join me in supporting the professional approach taken by the Raisean admin in the long term handling of his program’s resources and helping as many members as possible to benefit.

So if you like the look of the investment options then what better way to compliment them than a good selection of payment processors. Raisean will accommodate deposits and withdrawals for anyone who prefers the more traditional style payment handlers like PerfectMoney, EgoPay, and Payeer. Alternatively if you favor the newer digital e-currencies then Raisean accept both BitCoin and LiteCoin. If this includes you then there’s one important point you need to remember before joining. BitCoin is of course widely accepted throughout the HYIP industry these days as regular players will know. Most programs however do not use the “BitCoin currency” as such though, they simply convert it into dollars at the exchange rate of the day, and pay you accordingly. What differentiates Raisean from such programs, and I believe this is a positive thing, is that digital e-currencies are treated exactly as they are, i.e. currencies in their own right, and will not be converted backwards and forwards into dollars all the time. So join with BitCoin and get paid with BitCoin, not whatever the dollar equivalent happens to be on the day.

As I explained earlier, Raisean‘s interest rates are building up in real time in your account by the second. Therefore there’s no restrictions on when you can withdraw. I mean you don’t have to wait until the total rate of the day has been reached, you can just take out whatever they have paid you up to now whenever you like. The only restriction is that Raisean have a minimum withdrawal policy. For the regular processors – PM, EgoPay, or Payeer – that’s going to be $1. For digital currencies that will be 0.0025 BTC for BitCoin, and 0.25 LTC for all LiteCoin transactions. Payments to members will have to be requested from inside your members account area, and in what will doubtlessly prove an enormously popular move among investors the Raisean admin will try to make sure that all transactions are completed instantly. Just log in, make the request, and have the money in under a minute.

At this point I think it might be a good idea to say a quick few words on the process of actually making a withdrawal from Raisean. Don’t worry, it’s not complicated, in fact if anything it’s actually a lot easier than most programs, but because Raisean is so different than most of what you’ll be familiar with it won’t hurt to just mention it briefly anyway. There’s really nothing to it and it’s remarkably simple. From inside your members area you’ll see the various list of functions down the right hand side of the page. Just click the one that says “New Payout”. This will open a new box showing how much you will be allowed to withdraw at that particular moment. There’s a warning, more of a reminder actually, that you won’t be allowed to proceed without the minimum withdrawal amounts meeting the requirements mentioned above. However as long as everything is in order then the transaction will be completed in under a minute. You also have the function within your members area to view an historical record of all previous withdrawals and the information you might need to check up on such as dates, batch numbers, et cetera.

That brings me on to the subject of the script and also the wider topic of the general design and security features of Raisean. The script is unique and custom made, and developed specially for the program from scratch. I know I said this already in an earlier post, but it’s also probably the best one I’ve seen myself for a while now, maybe even the last 12 months. To see how everything works, despite being unique it’s actually very easy and straight forward anyway, investors can use a sort of “demo account” to check out the inner workings of the members area and the process of joining, depositing, and withdrawing before they decide to spend any money. Raisean also include a detailed step-by-step guide for potential members to get up and running with the program so you can refer to that as you go.

For a hosting provider, unfortunately this has been a source of huge concern for both admin and investors alike. I don’t like to be negative, but in the interests of fairness and honesty I can only comment on the state of things as the average investor will find them on the day of the review. There’s no point in denying it, it’s pretty common knowledge by now anyway, but Raisean has been the victim of some massive DDoS attacks in the last couple of days. The chosen provider, BlackLotus, are keeping Raisean on a dedicated server but have so far proved ineffective in mitigating this. So far I’m not aware of any major changes being made, so even though Raisean is back online and paying instantly, but unless the admin makes some drastic changes and moves to a more capable service provider who can deal with this then there’s every chance the problems will return time and time again. Having said that, I do admire the Raisean admin’s determination to keep the program online. He’s clearly sitting on top of a potential industry giant here after all, so it’s good news for everyone that he’s taking this so seriously. Ultimately though some big changes are going to have to be made in order to restore the damage to investor’s confidence.

For an added layer of safety Raisean also have the superior extended version of the SSL encryption certificate from Comodo. That’s the Green-Bar one which is of course a major improvement on the regular version used by most online HYIPs. That should allow a little extra peace of mind for the investors, allowing safer browsing and more secure transactions.

The admin has done much to make Raisean more accessible to the widest possible audience. One of their features is to have the website translated into no less than five different languages, not counting the default English version. Members can browse Raisean in German, French, Italian, Spanish, and Russian, and I can tell you that these are all professionally written translations and not just an online automated tool. To say nothing of the time, hard work, and expense this involves (helping to demonstrate just how determined the admin is to take Raisean to the very top) it also gives an improved level of confidence to a wider spectrum of investors and encourages a truly global participation. The romantics among you may say “love is the international language”, and I would like to agree. But hey, money comes in a very close second place!

If you have any further questions for the Raisean admin, someone I’ve found enormously responsive, approachable, and easy to deal with in the short space of time I’ve been monitoring his program, then there are numerous ways to get in touch. There’s the usual customer support form where you can fill out your details and submit it through the website’s contacts page. You can also write directly to the admin at the e-mail address listed there if that’s what you prefer. Raisean have profiles on most of the major social media websites like Twitter, Facebook, Google+, and the Russian language VK so if you use any of those services regularly you may be able to connect there. Maybe of less practical use are the two postal addresses which, while perhaps entirely genuine in the sense that they do exist, are not likely to be much more than virtual hosted offices and not where anyone from Raisean is physically located. Raisean have a list of regional representatives, something I’m sure experienced players will have seen in many programs in the past. Generally these are regular investors who act as customer service representatives in exchange for a higher ref commission rate as payment. It might be easier for you to contact someone in your own locality or that speaks the same first language as you if you see one listed there.

You can occasionally chat live with the admin himself, by the way. He has an account on the MNO ShoutBox and makes himself available there from time to time in order to take a couple of questions from my readers, so it’s worth your while checking that out as well. Even if you just leave a comment I’m sure he’ll respond the next time he’s logged in.

As for the content (texts) and alleged business activities behind the program and supporting the payments, everything is quite original just like the entire Raisean website. What’s less convincing is the predictable lack of effort in actually proving that any of the information there is genuine and that Raisean may not be anything other than a regular online HYIP. For the record we are told that the business activities mean Raiseandelivers computing power and infrastructures for public cloud services”, something I don’t recall being said before. But just like most other programs when it comes to verifiable evidence that’s a whole other matter. And remember, without suggesting anyone is being dishonest here the fact of the matter is that even if every word was true there can never be any guarantee whatsoever that it necessarily has to be profitable. So if you are going to join Raisean then proceed as you would when dealing with any anonymous web based venture. Set yourself a sensible spending limit, spend only what you can comfortably afford to lose, and at least try to keep any investments with Raisean as a smaller part of a wider more diverse portfolio.



Despite all the turbulence and high level of volatility surrounding the HYIP industry over the last few weeks, it seems that the list of the Top Five Popular Programs is still relevant as ever as all the programs from that list are still paying fine. You can click here to read about the Top Five Popular Programs on MNO and possibly make your own pick. You can also vote for what’s been the most profitable program for you personally on the MNO TalkBack page (so far you see OneStability there in the lead). One of the popular programs on MNO for the last few weeks remains Linberger (reviewed here). As of today the program has successfully completed two full cycles, promptly paying investors on the 10% for 12 days and 144% after 12 days plans via PerfectMoney, EgoPay, Payeer, and BitCoin and entering their third cycle already. Only time will tell for how long the admin of Linberger, Klaus, manages to run the program, but even now we can safely say that Linberger will stay in investors’ minds as a great investment opportunity not to be missed. If you wish to be reminded about the investment plans offered by Linberger and some other important points to know before investing please check out the latest newsletter from the admin issued earlier today:

Quick Newsletter for Today – 3rd Cycle Starts
Greetings from Linberger & Sons Ltd. ! Our company is pleased to announce that we are on the start of our 3rd investment cycle. To those who invest almost daily then this is not just the 3rd cycle but could even be your 13th cycle.
We would like to clearly explain a few things so we decided to send a newsletter about it. There are many inquiries via e-mail asking whether the deposit they made initially is returned on top of what has been returned to their accounts over the course of each plan. For your information, the rates we have published and offered are already inclusive of the principal deposit. This should mean that if you deposited $100, then your $100 will have become $120 in total if you deposited in the 10% daily for 12 days plan and $144 if you have deposited it in the 144% after 12 days plan. Whatever you receive back, less your principal deposit is your actual profit from that plan.
In order for you to continue earning, you will need to make a new deposit after your deposit expires. If you even wish you make succeeding deposits while you have running active deposits, you can also do this to maximize your profits to another level.
Let us remind you again also to please enter your account details in your Linberger profile. Without the payout accounts entered in your profile, we will be unable to proceed with processing your requests.


FutureStocks (reviewed here) remains one of the fast growing short-term programs, run by a very active admin who promotes his program like hell by posting numerous newsletters almost on a daily basis. Well, I guess that’s the price you need to pay to maintain interest in the program. It’s been paying on short-term plans like 102.5%-110% after 1 day, 54.5%-65% for 2 days, 125%-170% after 5 days, 160%-300% after 10 days, 260%-680% after 20 days, 450%-1800% after 30 days for deposits starting from a $10 minimum via PerfectMoney, EgoPay, Payeer, and BitCoin. To sustain the payouts on those plans constant growth is an essential requirement and I’m glad the admin does his best to maintain the pace by letting his creative juices flow. From the latest developments in the last 24 hours and announced by the admin in the two latest newsletters I can see a new public chat feature where you can chat with your fellow investors and share your ideas with them or the admin himself who’ll also be present there. A comparison with the FutureStocks chat feature might be to say it’s something similar to the MNO ShoutBox, but in this case entirely dedicated to one program which I believe is a really nice idea. The link to the public chat can be found in the first of the two newsletters reposted below while the other one deals with the rules of the video contest which will be running over the next week or so and whose winners will be awarded a $100 prize:

FutureStocks; Public chat available!
Hello FutureStocks members,
Do you want to share your experience with other FS participants in a public chat room? Now you have an opportunity to do so. Click on this link to visit our Public
Chat page:
Chat with FS admin and other FS members in live conversation.
Best wishes, FutureStocks Admin

FutureStocks; Video contest announced!
Hello FutureStocks members,
Create Video about FutureStocks and earn $100.
1. Create video about FutureStocks
2. Upload it on youtube and mail it to
1. What’s FutureStocks and why you should join it.
2. How to register?
3. How to deposit?
4. How to withdraw?
1. One person can have only one video.
2. Use language that you prefer.
3. Be creative.
4. Contest starts today on 11/11 and ends after one week on 18/11, when we will announce the contests winner.
* Best video producer will be awarded with $100 in his desired electronic currency.
Best wishes, FutureStocks Ltd


I must confess I was about to post just some news from Bidex today after they issued a newsletter last night on the addition of a Russian language version to their site, but to my surprise the program is seemingly in trouble with some investors reporting payouts overdue for over 24 hours now. Well, even though the terms and conditions of Bidex clearly state that they have at least three business days to process the payouts, I find it strange that some investors are still being paid quickly (mostly for small payouts) while some had to wait for over a day. I suspect selective payouts and therefore, have contacted the admin of Bidex for an explanation as to why some get payments faster than others. I’ve also taken the precautionary measure as a good monitor of moving Bidex to Waiting status on the MNO monitor for now. Please note that the status will be subject to change depending on whether the payouts resume in proper fashion or the admin continues to make excuses for delays. Please keep an eye on MNO for any further information. For the moment, please note that it’s not advisable to make any investments in Bidex and if you have any active deposits there you may as well try to withdraw it for any slim chance of getting paid. The recent unfortunate example of Bidex just proves once again that the era of perpetual programs seems to be running out of time as (if my doubts are justified) the program managed to last for slightly over a 15 day cycle after which you could withdraw without the imposed 10% fee.


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky listGrandAgroFinance.
From MNO Premium listAssuredAssets, OneStability, EastOilLaxoTradeLinberger, CryptoFarmFutureStocksMaestroCapitalGroupSilveksGHashRaisean.
From MNO Standard list: CompassBusiness.
From MNO Basic list: OgdenOrganization, MarkApter, SuccessRoadToWealth.

That’s all for today, guys. See you all tomorrow with the latest news from the HYIP industry and all you need to know to become a successful HYIP investor. Don’t miss anything on my blog by subscribing to receive every article to your email address everyday and follow MNO on Twitter and Facebook. Also, keep the votes coming in the MNO TalkBack page and name the most profitable program for you from the current MNO Top Five. The results will be drawn and analyzed over the coming weekend. Bye for now!

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