December 2014 Archives

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

Hi everyone! It was a slow enough day for news stories in the industry, but oddly enough I still have plenty to catch up on that I hope will be of some interest to you. The main focus of today’s article is of course LoanTrust, a brand new program that’s only just opened and you may remember was just introduced on my blog last night. I also have a couple of updates from two of the payment processors that serve the HYIP industry – not nearly as much as they used to, mind – so I hope there’s something useful in there for you as well. First of all however it’s LoanTrust. It’s an interesting program, I think anyway, and has a pretty wide mix of investment plans. So let’s see what they’re all about and whether you think you have a place for them in your portfolios.

Before I get to the exact details of the plans I just want to point out that they don’t really work in quite the same way as your more traditional HYIP style plans. I mean yes, the basic premise is still there that you the investors gives the program your money, and the admin pays it back with interest. It’s just that with LoanTrust you don’t just see one single interest payment going in to your account once per day like you might usually expect. With this program the money is pouring into your account, quite literally on a constant and permanent basis. You can watch it growing right in front of your eyes, going up and up by the second, and then simply make a withdrawal at any time you are ready to do so, and as often as you wish.

In order to keep things simple and help you with your own calculations I’m going to describe the interest rates as they are for a full calendar day period, just remember that in reality the interest is clocking up in real time and is rising by the second. You can see it yourself in your account area, with what for all intents and purposes looks like a stopwatch measuring how your profits are increasing per millisecond in tiny increments that you can withdraw at any time.

There’s no less than seven different plans to choose from in LoanTrust, all running for various different length terms and with one having no expiry date at all. For reasons of affordability I’m guessing that it’s this one that’s going to appeal to most investors, the others coming with some pretty hefty minimum price tags. So it’s with this perpetual style plan that I want to begin. First of all you can join it for just $10, and are welcome to spend anything up to a possible maximum of $1,000. In return, LoanTrust are offering members 2% interest per day for how ever many days you decide you would like to remain a member. The only condition is that LoanTrust have a minimum lock-in requirement of 5 calendar days. You cannot withdraw your principal before that point, so that would mean the minimum profit you can take away from LoanTrust is 10%, i.e. five payments of 2%. As for anything higher than that, well, I can’t really say because that’s an entirely personal decision which is going to be different for each individual investor. You can either join with your own strategy in mind, perhaps a certain financial target or a fixed date in mind for which you intend leaving the program, or else you can just “go with the flow” as they say, and think about what you want to do with the program on a day-by-day basis as circumstances change. You know, decide when the best time is to leave the program when the day actually arrives. Meanwhile you can collect 2% interest for every day you keep an active investment.

There’s a lot of flexibility in there for sure and members are given more control over their accounts. If on the other hand you prefer a more regimented and structured approach with plans having fixed term lengths, the the remaining plans might be better suited to you, if you can afford them that is because the next plan on the list requires you to spend a minimum of $200 before you can join. The term runs for 10 calendar days with LoanTrust paying members back 2.5% interest per day. This comes to a very tasty 25% by the end of the term. Nowhere even close to a profit by itself obviously, that will only happen once LoanTrust return your principal as promised. The maximum limit for investments in this plan is capped at $2,000.

Entry into plan number three then starts from a minimum deposit of $500, and the term runs for 20 calendar days. LoanTrust offer their members here a daily interest payment of 3% on their deposits. By the end of the term that should add up to 60% in total, which then becomes your net profit once the LoanTrust admin returns your principal. Investors are allowed to have a a maximum spending limit of $5,000 in this plan.

Plan number four opens with a minimum deposit of $1,000, so as you can see we are really moving into the realm of the bigger spenders and more serious players now. If that includes you, then LoanTrust are offering a daily interest payment of 3.5%, made for the term’s duration of 30 calendar days. At the end of this period the payments should accumulate to 105% in total, at which point LoanTrust should then return your principal. So it’s slightly better than double your money. Maximum spending limit for this one is capped at $10,000.

For a $2,000 investment members are invited to join LoanTrust‘s fifth plan. Running for a duration of 40 calendar days, the interest rate for this one increases to 4% per day. By completion members should have collected a total of 160% in interest payments, which becomes your net profit once LoanTrust return your principal. The maximum spending limit here is $20,000.

Next up, plan six, will set you back a $5,000 minimum if you wish to join. The term runs for 50 calendar days, and sees LoanTrust offering potential investors a daily interest payment of 4.5%. Fast forward to the end of the term and you should have a total of 225% returned in interest payments, and your principal then added on top of that.

And finally for anyone with a spare $10,000 lying around the house with nothing better to do with it, there’s LoanTrust‘s last plan. The term is 60 calendar days during which members are awarded a daily interest payment of 5%. If your first reaction was that that might be a bit high to come up with on a consistent basis for such a long term, you have to remember that a lot of these plans are simply way too expensive to attract any investors, so the high interest payments are never going to put a strain on the program’s cash flow as they are highly unlikely to ever actually need to be made. Anyway, for the record if anyone was to make a (successful) investment here the interest alone would come to 300%, and then see LoanTrust adding your original principal on top of that. Maximum spending limit is $100,000.

If you like any of those plans enough to sign up and try your luck, then the next thing we need to discuss will be what your payment options are. At the moment LoanTrust is as good as any other program online, accommodating the greatest possible number of investors by allowing all the most popular payment methods. If you have a preference for the more traditional style payment processors then you can use any of PerfectMoney, EgoPay, or Payeer. If you would rather use a more modern digital e-currency then LoanTrust will also accept BitCoin, something that will also prove particularly useful in bringing in bigger spending US based investors affected by the restrictions placed on them by regular payment processors (namely PM and EgoPay). What’s even better about LoanTrust however is the use of instant withdrawals, something I can definitely confirm having received my own one already. Just log in to your LoanTrust private members account area, make the request, and you’ll have the money in a matter of seconds. You’ll also be given an instant confirmation with the main details of the transaction for your own records, such as batch numbers and so on. By the way, BitCoin users please note that LoanTrust are working off a fixed exchange rate of $500 to one BTC.

At this point I should probably include a few words about the process of moving money through the program. It’s all quite straightforward really, and has nothing overly complicated. First you create an account with the program obviously, and then you click the “create deposits” tab when you sign in. This then gives you two options, one of which is “invest from balance” which I think is self-explanatory, and another which (misleadingly I think) says “invest from wallet”. Please note that the “wallet” they are referring to here is actually your payment processor account, and LoanTrust will redirect you there when you go to spend. You’ll see the four payment options accepted by the program listed across the middle of the page. Click on the banner of the provider you with to use first (which will then be highlighted in blue) before then filling in the details of what plan you want and how much you’ll be spending.

Then to make a withdrawal, you should first go to the page marked “deposits”. Here you will see your earnings clocking up in real time. Remember you don’t actually have to wait for them to reach the full 2% or 3% or whatever the rate is in the plan you have joined. You can take it out anytime. Just click the “take profit” button which you can find directly beneath the amount you are allowed to take. This transfers the money to your balance. So now you simply click the “withdraw” tab at the top of the page, fill in the request form from there to receive an instant payout and confirm your request.

As for the more technical side of things such as design and security, LoanTrust is also up to a sufficiently high standard. Hosting is on a dedicated server with the support and protection from DDoS attacks provided by BlackLotus, one of the leading providers serving the HYIP industry. I’m sure many of you might have recognized the script if you’ve already been checking out the LoanTrust website, but just in case, I can tell you it’s under license from H-Script. For some strange reason this has always been a popular product among Russian admins, though it is of course available to buy for anyone who wants it. I only mention this at all because the LoanTrust website itself is bilingual, available in both English and Russian (which is clearly the stronger of the two languages by the way). For safer browsing and more secure transactions LoanTrust are also able to provide an SSL encryption certificate from Comodo. Additional account security can be found under the heading “personal settings” in your account area. It’s from here that you can make any adjustments regarding access your members area from different IP addresses.

If you have any further questions for the LoanTrust admin, comments, queries, account related issues, and so on, then there are a number of ways you can connect. Like most programs, the LoanTrust website has an online support submission form. Just fill in your details and away it goes. Alternatively you can simply write directly to the admin at the e-mail address provided. The LoanTrust website does have a Live Chat feature (which opens in an entirely separate website so won’t be hit by downtime) however I have yet to see an operator there myself. You can also try the program’s Skype account for Live Chat or phone support, assuming the admin is actually logged in himself at the time. It’s always worth checking anyway before composing any lengthy e-mails.

As for any kind of business plan or investment activities backing the whole thing up and funding the payments to members, this has for the most part been skipped. And to be perfectly honest about it, I really don’t mind. In fact I prefer it this way. No pretense and no nonsense, just LoanTrust presenting itself to you as an online HYIP. Experienced players usually already know exactly what they are letting themselves in for with the programs they join, and in the case of LoanTrust then everyone else should know too – it’s a form of gambling and a high risk, and that’s what you need to accept if you want to make any money. Otherwise just go somewhere else if you don’t like it, it really is that simple. Personally I have to say I do like the look of the program and would be cautiously optimistic. A lot of it depends on the admin’s intentions of course, but if he’s genuine and wants to run a good program then LoanTrust could be it. You still need to follow the usual industry rules and stay well within sensible spending parameters of course, there’s never any guarantees in this business as you know, so never spend what you can’t comfortably afford to lose, and if you do join then at least try to keep LoanTrust as a smaller part of a wider more diverse portfolio.



Those who checked their accounts in LetsHaveCash would have read the email from the admin addressing a very important achievement by the website in getting into the top 10,000 websites in the world according to their traffic as monitored by Alexa. For those who are not aware I’ll just briefly explain that Alexa is itself a large company, owned by Amazon, and providing information on commercial web traffic. The higher the number of daily visitors a site gets on average basis the lower its Alexa rating, so the highest Alexa rating goes to Google which is ranked #1 as it has a highest amount of visitors. So you can imagine that even getting into the 10,000 most popular websites in the world is noteworthy. For instance, MNO at the moment has an Alexa rating, of around 23,000, so congratulations to the admin of LetsHaveCash for becoming so popular worldwide. Hopefully it’s just the beginning of a long journey and the members joining the program will be able to benefit from its three investment plans – 2.2% for 90 days, 3% for 50 days, 2% for 100 days. Currently LetsHaveCash offers investments starting from $10. This can be done via many payment methods including PerfectMoney, EgoPay, BitCoin, Payeer, OkPay, and even SolidTrustPay. Note that LetsHaveCash also processes all payouts instantly while charging withdrawal fees up to 8% depending on your chosen payment method, so please read my full review of the program published here before committing anything to it. In the newsletter the admin also announced a new investment plan called Cube will come into effect very soon. More information on that will be on MNO whenever it happens. The latest newsletter is posted in full below:

LetsHaveCash is now within world’s first 10,000 worldwide online website with Alexa 9837!!!
Dear Members,
Another great day passed and making some great works for our valued members. We want to thank our members on behalf of admin for their cooperation. We want to announce that LetsHaveCash now lies in the first 10,000 online popular websites of the whole world. Our worldwide rank is now 9837 and it is going down every day. That’s means we are getting popular day by day.
It is our goal to bring LetsHaveCash within world’s first 1000 website online. And we know we can do that with the help of our valued members. So keep supporting us. Present Alexa rank is a pride for us and for this reason we want to celebrate this incident with some bonus and offer for our members.
We will very soon declared some bonus and offer to celebrate our present Alexa rank (under 10000) which is 9837 and we will let our members know about that. Please keep in touch.
And REMEMBER: “Cube” plan is coming very soon. That’s a great plan for everyone. We hope everybody will like that.
Regards. LetsHaveCash BackOffice
Year end and upcoming Christmas Greetings for everyone. We are feeling good to write you. And we want to thank our entire member. In 2015, LetsHaveCash will be the top program with highest paying status.
Join now and ** Get $30 DEMO on SIGNUP ** MAKE a GOOD Pay Plan “LIVE & REAL”!!!
Around “5 Months Old & Crossing MILESTONES” Already!
On July 5, 2014 LHC “LetsHaveCash” Came Into EFFECT!
64000+ Registered Account “And It Is INCREASING”!!
On Average 600-800 Members Join Per DAY!
Deposits Crossing $24,50,000!
Instant Withdrawals Almost $770,000!
Now The Payplan…
The CRAZIEST Earner Pack is Doubler!
It will DOUBLE your money in just three months.
$10 per AdPack Position, Multiple Purchases Allowed
Earn 3% daily even on purchased amount for 50 Days
You have to do nothing at all. Just wait and see your earning increase.
Increase Earnings with Daily Compounding by purchasing more Doublers.
Three-step Referral Bonuses: 8%, 3%, 1%
Instant Withdrawal!
BUY Six Position One at A Time and Get a CUBE.
When CUBE expires, Enjoy a FREE Position.
For Doubler: Invest $60 and Earn $160 with FREE Position.
For AdPack: Invest $120 and Earn $270 with FREE Position.
And From January 1, 2015, CPA Camp Is Starting. REMEMBER THIS!
SolidTrustPay, Perfect Money, EgoPay, OkPay, Payeer, Bitcoin ACCEPTED!
– More Options Added In Coming Weeks
Log-In & SNAP UP Your $60 or $120 CUBE SPOTS NOW: LetsHaveCash
Note: Support ticket responses will not be showed up here, they will go to your email address directly.


With less to report tonight from the HYIP industry I decided to update you on what’s going on with the payment processors. SolidTrustPay (currently accepted by LetsHaveCash only) who are well known for their very helpful phone support announced today that the service will be suspended for one day while the staff have their annual office Christmas party. Anyone affected is asked to contact the online support center which is hosted on a dedicated website for any queries. I believe that at the time of writing everything should be back to normal, and the phone support for SolidTrustPay clients will be available as usual tomorrow during regular business hours:

Short Phone Support Closure – Wednesday, December 3rd
Please be advised that SolidTrust Pay’s Phone Support Staff will be unavailable today at 11am, until later this afternoon at 3pm EST. Our support staff will be having their annual Christmas party during this time, but will be back in the afternoon, ready to help, and full of Christmas cheer!
For assistance during this time, please visit our Support Centre and submit a ticket for online help. Our staff will be responding to ticket requests as quickly as possible.
We apologize for any inconvenience this may cause you. We look forward to returning to regular Phone Support hours and thank you for your continued patience.


The administration of Payza which is currently accepted by two programs on the MNO Premium List – LaxoTrade and SafeKapital – recently issued a new blog post. It’s a tutorial on the importance of entering the right information in your account profile and keeping it genuine and up-to-date so as to make full use of all the services provided by them to verified account holders. The full manual on how to complete the Payza account profile containing images explaining everything in detail was posted on their official blog, and for your convenience I’m re-posting it below:

How to: Complete your Payza Account Profile
To get the most out of your Payza account there are a few things you’ll want to do. While it’s definitely important to verify you account, to set up your Payza personalized avatar for increased security, and to connect a bank account or credit card to your account for quick and easy deposits and withdrawals, the first thing you should do is complete your Payza account profile.
You must complete your account profile before you can transact money using Payza, so apart from validating your email address, it really is the first thing you should do after you open an account. So how do you complete your Payza profile? Just follow the steps below and you’re profile will be completed in minutes!
When you log in to your Payza account for the first time, you’ll see a prompt asking you to complete your Payza account profile:
Clicking the “Complete profile setup” link will open a pop up where you’ll be asked a few questions about yourself:
Simply fill in your work details, address, phone numbers, and date of birth, then set up a security question and answer along with a Transaction PIN. In just a couple of minutes your profile will be complete and you’ll be able to take full advantage of all the features Payza has to offer.


Here is the list of the programs from my monitor that paid me for the last 24 hours:
From MNO Sticky list: –
From MNO Premium listOneStability, AssuredAssetsFXMutual, DailyProfitSilveks, WellGoTradersGHashRaisean, VentureWealth, LetsHaveCash, LoanTrust.
From MNO Standard list: CompassBusiness.
From MNO Basic list: ForexShare, OgdenOrganization, SuccessRoadToWealth, MarkApter, NewLibertyReserveBITC1RoxInvest.

That’s all for tonight, guys. Stay tuned for more updates from the biggest programs in the HYIP industry every day only on the MNO blog. Tomorrow I might be publishing the long-anticipated interview with the admin of Raisean as he promised to reply by then. I can’t be 100% sure that it’s definitely going to happen, but if the admin keeps his word as given on the MNO ShoutBox today we’ll be able to find out more about the program’s plans for the future (especially how it’s going to survive into 2015) as well as trying to alleviate some concerns raised by some investors unsatisfied with Raisean‘s recent change of direction and reduced interest payments for the last few weeks. Anyway, you can see it all yourselves tomorrow if I get a reply. Stay tuned and see you later!

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