Jan 15th, 2015 Archives

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

Hi everybody! To start with today I don’t have the review I initially promised you in my last update, this being due to some minor technical problems with the site in question. Not to worry however, I’ve merely postponed it until tomorrow when things should stabilize and return to normal. Meanwhile it’s not as if I don’t have a ton of other work to keep me occupied and you, the readers, entertained (I hope!). So before this evenings news section I want, a bit earlier than planned, to look at another new program that just joined the MNO Premium List by the name of SolCapital. This has, I believe, some potential to become a very popular pick among MNO readers, something I’m basing on the recent opinion poll I ran where over 50% of you said medium term programs (which is what SolCapital is) would most likely be the type of thing you’d be most enthusiastic about in 2015. That’s not the only reason mind, SolCapital isn’t a bad looking program by any means regardless of being short, medium, or long term, so I hope you’ll agree to at least take a look at it and think it over about whether you think it might be worth adding to your portfolios or not.

Investment plans with SolCapital can be divided into two categories – those that make daily interest payments, and those that pay you on expiry. Generally speaking on expiry style plans are always going to be more of a risk for obvious reasons, so that’s why admins try to lure you into joining by making them just that little bit more lucrative. So if the temptation is too much for you, then I’d suggest you think about splitting your deposit between the two groups while definitely keeping the larger portion for the daily payment ones. I’m jumping a bit too far ahead here of course and should really be starting with the numbers before recommending one plan over the other, though I think you’ll see what I mean.

You can join SolCapital for a $10 minimum, and the plan, no matter which one you favor, runs for 15 business days which is 3 weeks. If you join the daily payments plan therefore that means you will receive a daily interest payment between Monday and Friday. The exact rate will depend on the size of your deposit, and starts from 8% for anyone spending up to $250. SolCapital include your principal as part of the payments, so the final return of 120% is your own money back plus 20% net profit. Quite achievable in the HYIP industry as long as a program is professionally managed in my opinion.

Bigger spending investors can earn up to 150% (that is to say their money back plus 50% net profit) in return for spending more. The term of 15 business days doesn’t change, it’s just that SolCapital increase the interest rates as follows:
Investments from $251 to $1,000 can earn 8.5% per business day (27.5% profit), for $1,001 up to $2,000 the rate is 9% per business day (35% profit), amounts between $2,001 and $5,000 are offered 9.5% interest per business day (42.5% profit), and anything bigger than that to a $50,000 maximum limit is offered 10% per business day, also with principal included, or 50% net profit.

For the on expiry plan SolCapital keep the 15 business day term, 3 weeks, and just pay you once at the end of it. You can still join for a $10 minimum, and for anything up to $250 the payment is 140% with principal included, so 40% net profit.

SolCapital improve on that offer if you’re prepared to spend more, and so promise the following returns:
150% on amounts between $251 and $1,000, 160% if you spend between $1,001 and $2,000, 170% for deposits ranging between $2,001 and $5,000, and for the biggest investors the maximum return of 180% is reserved for anyone spending upwards of that to a $50,000 upper limit. Obviously your principal is again included in all of the figures listed above.

Should you decide to join SolCapital then the next thing to look at is what are your payment options. Most of the popular processors are included, namely PerfectMoney, BitCoin, and Payeer. For the record I can also tell you that officially EgoPay is one of those listed, however I guess this was listed before the current situation (ie the EgoPay scam as covered in this article) developed so that last one is likely to be removed soon I would hope. With some admins taking the opportunity to replace EgoPay with Payza, hopefully SolCapital will follow suit and do the same, keeping the list of payment options as wide as possible for their members. Withdrawals are processed manually by the admin and need to be requested by members from inside their SolCapital account areas. Once done you are asked to allow a further 24 hour waiting period to allow all pending transactions to be completed.

Looking at the more technical design and security aspects of SolCapital, the program measures up to acceptable industry standards with hosting on a dedicated server with support and protection from DDoS attacks by DDoSGuard. Most regular investors will agree that the SolCapital website has a familiar, easy to navigate feel about it which stems from them running off a licensed GoldCoders script, something I guess most of the experienced readers will have recognized without my telling them. For an added layer of security the website is also utilizing a superior Green Bar SSL encrypted connection by Comodo for safer browsing and more secure transactions.

If the need arises for you to try and contact the SolCapital admin with any question you think weren’t addressed in this review or any account related issues you need to have dealt with then there’s a couple of channels open to you. The best method for most of you will be to either fill in your details on the online customer support form and submit it through the contacts page, or else just write to the SolCapital admin directly at the e-mail address listed. There’s a postal address which I’m going to suggest you ignore as it’s unlikely to be genuine (not past being a serviced, virtual office at best) however it does include a phone number which you can try first if you actually think someone will answer and talk to you about the program. The SolCapital website has a LiveChat feature which I haven’t seen open to use for members yet (take a quick look anyway to be sure if you’re writing any e-mails to the admin, just in case) and a regional representatives scheme which, at the time of writing, doesn’t yet contain any contact names. Social media fans will be able to connect with the program using their Facebook profile.

On the subject of website content, texts, and any alleged business plan that’s supposed to be backing the whole thing up, SolCapital is, we are told, involved with ForEx trading. Texts are a bit thin to say the least, meaning there’s really not that much to read on the website and not much information on any of this you could independently research and verify for yourself, not that I’d suggest wasting your time with it anyway. It does appear original at least, but has nothing to prove its authenticity. Which pretty much means you need to be treating SolCapital much the same way you might treat any other program you monitor in the online HYIP world – that is to say, a form of gambling. For the sake of less experienced readers and first time investors I’ll just remind you that even a real business can never guarantee the safety of your money, so don’t expect anything in the HYIP industry (of all places!) to change that. Set yourself a sensible spending limit which is well under an amount you can comfortably afford to lose if things don’t work out for you, and if joining SolCapital at all then at least think about keeping them as a smaller part of a wider more diverse investment portfolio.



First I would like to express my gratitude to everyone who took part in the MNO TalkBack opinion polls and help give a better understanding the current trends in the HYIP industry. The most recent poll that closed today asked “What type of program will be your first choice for new investments in 2015?” with possible answers being short, medium, or longer term. Results were pretty tight, though first place with 41% of the vote went to medium-term programs where you see your first profits in 6 to 30 days. Second spot went to long-term programs with 36% of the voters preferring programs where you see your first profit in not less than 30 days. The remaining 23% of votes went to shorter term programs offering you profits in 1 to 5 days. The results clearly indicate a shift from the shorter to longer term programs. And so far, I see that the HYIP admins are trying their best to satisfy that demand by offering many interesting programs the biggest of which can be seen on the MNO monitor.

For the next poll I can’t help but mention the hot topic of this week – the big EgoPay scam – and have already posted an article on it which you can read here. So now I want to ask you a couple of questions regarding EgoPay and its possible replacement as Payza becomes the fourth most accepted payment processor in the industry. With PerfectMoney able to go anytime due to its high level of anonymity and unknown owners who can’t be traced (not by the general public anyway), the plummeting and unstable rates for BitCoin, and Payeer’s not really convenient deposit and withdrawal methods for international buyers, Payza could really be a decent alternative and offer the HYIP market a viable alternative while also accommodating US residents. At the same time it has a strict verification process for HYIP admins so will also be seen as a sort of mark of quality for the programs that use it. Anyway, it is possible to verify an account with Payza as many admins have just confirmed by introducing Payza as a payment method (for example MajesticSwan earlier today), with surely many to follow soon.

So my first question for the poll is this – Did you lose much money in the EgoPay scam? – and possible answers are:
1) Yes, I lost a lot of money. Vote for this if you kept more funds there than you should have, if you were using EgoPay as an alternative method of storing money, or were just unlucky to have money there that you didn’t get to withdraw.
2) Yes, I lost a little money. Take this option if you just had money resting there that you were using to pass in and out of whatever HYIPs you happened to be playing at the time
3) No, I had zero funds there. Take this option if you rarely used EgoPay, if you knew well enough to empty your account on a regular basis, or were just lucky enough to have gotten everything out at the right time.
4) No, I didn’t have an EgoPay account. I think this option is fairly self-explanatory!

For the second question I want to ask you this – Do you think Payza is likely to replace EgoPay in the near future? And the possible answers you can cast your vote for will be:
1) Yes, Payza is a strong payment processor with lots of potential.
2) Maybe, if Payza softens its approach towards accepting new HYIPs.
3) No, Payza will not be able to compete with PerfectMoney, Payeer, and BitCoin.

Thanks in advance for your votes, and with your active participation I think we’ll have a proper result sometime next week. Also if you have any suggestions for future articles on any aspect of the payment processor aspect of the HYIP industry, please do not hesitate to contact me at abramsonp@gmail.com


The admin of MajesticSwan has I think become the first admin to realize that EgoPay has totally lost all value (read more on that in the article here), and has decided to take the proactive measure of refunding all deposits made using it. Not only that, he also offered a proper replacement for anyone who wants to try again using Payza. If you haven’t yet read my review of the program posted here, I remind you that MajesticSwan is expected by many to be an early leader in the HYIP industry this year. The program offers a high level of flexibility to investors by allowing them to withdraw principals at any time with no fees and makes variable daily returns of 1% to 3% and a compounding rate that can be adjusted any time. No wonder that just in its first ten days online MajesticSwan gained widespread recognition for its fast withdrawals and prompt support. I believe that the decision to get rid of EgoPay in favor of Payza has been absolutely right, as EgoPay is at the moment nothing but junk money that can’t be exchanged or withdrawn, thus having zero value to anyone, be they investors or admins. Payza in turn is growing in popularity and, in my honest opinion, has a good chance to become one of the most accepted in the HYIP industry given its multiple funding and withdrawal methods and compliance with US and UK markets. Here is the latest from MajesticSwan:

MajesticSwan 2nd Newsletter
Dear clients, friends and fans,
We hope you are all doing well. We have a few important updates to report today:
– The first thing we want to mention about is the addition of a new payment option – Payza. It has been successfully added and integrated into our website. Payza is a very popular payment method especially among USA users because it has a lot of convenient funding options such as Credit or Debit cards and Bank Wire transfers. We hope you enjoy it and find it useful.
– It has come to our attention that EgoPay customers started to experience difficulties withdrawing/exchanging their EgoPay funds from their EgoPay accounts and it’s now obvious that this company has some major problems. We decided to stop accepting deposits via EgoPay and removed it from our website. EgoPay deposits were fully refunded to our members.
Have a great day and enjoy intelligent investing with MajesticSwan.
MajesticSwan Team, MajesticSwan Limited.


Now back to the above reviewed SolCapital. The admin was very active over the last 24 hours and issued two newsletters. The first is regarding the program’s successful launch a few days ago and the advertising campaign which is looking to take the HYIP industry by storm with the help of the best promoters. A second update dealt with the launch of the program’s own regional representative program with the admin looking for best promoters in their local areas who can explain to newbies all about the advantages of joining SolCapital in return for a higher level of referral commissions as payment. Read more on that in the newsletters reposted below:

SolCapital successful launch!
Hello dear customers,
We would like to inform you that SolCapital has been launched successfully, and everything is running very smoothly. We have already joined some of the industry’s most popular blog, Money-News-Online, so stay tuned as you can expect a full detailed review from them in the upcoming days.
Thanks to our marketing department’s originality and creativity, every day we are receiving new members from different sources and different places around the world. With that said, fasten your seat belts, because we truly believe that we can take the industry by storm and reach its pinnacle in just a few weeks.
Quote of the day, Winston Churchill – “An organization’s ability to learn, and translate that learning into action rapidly, is the ultimate competitive advantage.”
Best Regards, SolCapital Ltd

SolCapital: Regional Representatives are welcome to join!
Hello, We have designed Regional Representative program to satisfy those customers who are looking for support in their region as well for those who are looking to earn more with us. In order to become our regional representative, you have to have past experience as a regional representative and ability to support and promote our project. You have to send an email (full name, username, country, phone, Skype and other contact sources) to representatives@solcapital.biz.
You will be awarded with the minimum of 10% affiliate commission, regular customers receives 5%. Your obligations are to support people in your region as well as promote our project in your region. You application will be discussed with the administrative department after you mail in your details.
Best Regards, SolCapital Ltd


While I’m perfectly aware that OneStability is still paying to my readers within the promised 24 hour waiting period, I simply can’t close my eyes to the clear warning signs there now. With yet another short-term investment plan introduced yesterday that promises 115% after one day for all deposits starting from $250 I can imagine that the next 24 hours will be critical. I myself am very skeptical of the program’s chances for survival, as every time in my memory such stunts were pulled they didn’t end well. So I advise readers at the moment to stay away from OneStability and not make any further investments, even if it is still on Paying status on my monitor. A few days ago the admin raised eyebrows by introducing a new plan paying 120%-125% after 5 days for deposits of $50 and higher which would be open for the following five days. The thing is that this 5 day plan will close for new investors at exactly the same moment it’s time to pay, and the newly added 115% after 1-day plan repeats the pattern as it too closes tomorrow, at exactly the same time the first withdrawals are due to be paid. So you can clearly see how the new investment plan is suspicious and cannot be recommended under any circumstances. In the newsletter issued yesterday, the admin of OneStability Richard (interviewed here) also mentions the newly introduced deposit and withdrawal fees for Neteller, SolidTrustPay, PayPal, Skrill, and Bank wires, while the other payment processors accepted by the program – Payza, PerfectMoney, BitCoin, and Payeer which the admin can withdraw for himself very easily without any questions or chargebacks will not incur any fees. So let’s wait for a day or two and see if OneStability (originally reviewed here) stands a chance to survive and continue with their previous 5% for 30 days, 4.2% for 45 days, and 2.2% daily forever with the principal withdrawal possibility after 7 days plans. I’ll keep you informed of any further developments, and for now you can read the latest news from the admin who, by the way, publicly promised personal support to my downlines in his program while calling MNO the best investment resource for investors (so if you have any issues please contact him directly with the subject MNO REF, he’ll know if MNO is your upline or not by the way):

Dear Clients,
OneStability is been going through our numbers and concluded that since the beginning OneStability achieved the best profit margin in the history of the company. It proves that business model that has been provided by Richard Altman works! It’s been concluded that with such company growth it’ll become soon the biggest investment company in the world and will produce income for a huge amount of people. In order to take part in this wonderful celebration we prepared specially for you great opportunity to invest in our 1 Day plan called “Emporium Plan”. It’ll pay you 115% after 1 day! The good news is that withdrawals for this plan are INSTANT and you will not have to wait for request to be processed as usual! Emporium Plan has presented only for 1 day and will be discontinued on January 16th 23:59PM.
We’d like to remind you about recently added payment processors and their fees:
– Neteller: 2% Fee for deposits, 0% Fee for withdrawals
– STP: 3% Fee for deposits, 1% Fee for withdrawals
– BankWire: 1.5% Fee for deposits, 2% Fee for withdrawals
– Skrill: 1% Fee for deposits, 0% Fee for withdrawals
– PayPal: 3% Fee for deposits, 1% fee for withdrawals
So that’s all we had for now. Thank you very much for being with us! We are fortunate to have your continued support. Stay with the best – stay with OneStability!
Sincerely, OneStability Team


When I thought it couldn’t possibly get any more brazen, yet another attempt to scam as many newbies as possible was made by the shameless admin of LetsHaveCash who is still pretending to be dealing with pending withdrawals while still accepting new deposits (or should I say “donations”). You might be aware from my previous post that LetsHaveCash stopped paying two days ago and the admin suddenly switched off all the instant withdrawals, claiming maintenance and working on an app as an excuse. Of course, that’s a pure lie and now after 48 hours everyone can see this perfectly well. Anyway, I consider the topic for LetsHaveCash which is currently on Problem status on the MNO monitor closed but just for your information and to make sure you recognize it if you see it I’m including it below. I’d also suggest that the secion of affected investors complain LetsHaveCash‘s Payza and SolidTrustPay accounts to their respective administrations so as to minimize his ability to withdraw or to exchange the what ever funds he might still have there. It won’t prevent the scam, but at the very least you shouldn’t just lie down and make it easy for the guy either:

LetsHaveCash – Message from LHC Admin
Dear Member,
This is Admin expressing deep condolences for the running inconveniences. We are on tight schedule on our grand maintenance. We are working on Multi-server architectural database design. And this maintenance will be over within next 24 hours.
* By this time, some of processors deposit and withdraw will be active. You can deposit any amount and will get withdraws manually.
* 3% Instant Cash Back on PM deposit will be active.
* Buy 12 Stock NPR and Get Royal Membership which includes $1000 bonus and grand priviledges.
* If your withdraw goes pending, nothing to worry, everything will be fine.
* CPA Camp will no more be available after 24 hours.
We are again sorry for this temporary maintenance issue. We are upgrading the system for better service of LetsHaveCash.
Regards. LetsHaveCash Admin


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 listOneStabilityCoinAssetsLoanTrust, MajesticSwanSilveks,  BITC1BTPerfex, AtrexTrade, CryptoStrategy, RollNRich, SolCapital.
From MNO Standard list: CompassBusiness, HashCoin.
From MNO Basic list: ForexShare, OgdenOrganizationPhenixPro, TheBornClub, RoxInvest, RevshareMatrix.

That’s it for today, guys. Thanks for reading MNO and see you all tomorrow when I’ll hopefully be able to finally review RollNRich. Once their issues are fixed, fingers crossed, I can give a more detailed description of this original program the admin of which, by the way, already ordered the top tower banner on the MNO blog for one month, so that speaks volumes about his longer term intentions. I’ve also received the answers to my interview questions from the admin of BITC1 (reviewed here) and hope to publish it sometime over the weekend. Meanwhile don’t forget to vote in the latest opinion poll on the MNO TalkBack page and see you all tomorrow on the MNO blog where information comes first!

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