4×4 Cash Review: Ad-credit rev-share matrix hybrid
There is no information on the 4×4 Cash website indicating who owns or runs the business.
The 4×4 Cash website domain (“4x4cash.com”) was registered on the 11th of July 2015, however the domain registration is set to private.
As always, if an MLM company is not openly upfront about who is running or owns it, think long and hard about joining and/or handing over any money.
The 4×4 Cash Product Line
4×4 Cash has no retailable products or services, with affiliates only able to market 4×4 Cash affiliate membership itself.
Once signed up 4×4 Cash affiliates are then able to purchase matrix and revenue-sharing positions.
Bundled with each of these positions are a series of advertising credits, which can be used to display advertising on the 4×4 Cash website.
The 4×4 Cash Compensation Plan
The 4×4 Cash compensation plan sees affiliates purchase matrix and revenue-sharing positions in order to participate in the income opportunity.
Matrix commissions in 4×4 Cash are paid out via a 2×2 matrix.
A 2×2 matrix places an affiliate at the top of the matrix, with two positions directly under them (level 1):
The second level of the matrix is then created by splitting the first two positions into another two positions, for a total of six positions in the matrix.
Positions in the matrix cost $44, with a $44 commission paid out when all six positions are filled.
This is referred to as a “cycle”, with cycled positions also then being re-entered back into a new 2×2 matrix (the first cycle is effectively a refund on the initial position purchase).
In addition to cycle commissions, a $4.40 referral commission is also paid when recruited affiliates (down four levels of recruitment) cycle out of a matrix.
Revenue-sharing positions in 4×4 Cash first require one of the following three 30-day membership purchases:
- Silver – $4.90
- Gold – $9.90
- Platinum – $24.90
Free 4×4 Cash affiliate membership is available, however free affiliates are only able to invest $5 at a time (no specific ROI is provided on the 4×4 Cash website).
How much a 4×4 Cash affiliate spends on their membership in turn determines how much of a ROI they can earn from revenue-sharing positions:
- Silver – 115%
- Gold – 120%
- Platinum – 128%
As to the revenue-sharing positions themselves, they too are restricted based on how much an affiliate spends on membership each month:
- Starter ($5) – no membership required
- Pro ($10) – requires paid membership
- Elite ($25) – requires Gold and Platinum membership
- Ultimate ($50) – requires Platinum membership
Joining 4×4 Cash
Affiliate membership with 4×4 cash is either free or paid ($4.90 to $24.90 a month).
Free affiliates can purchase matrix and $5 revenue-sharing position, with paid membership required to participate in the upper-tiers of the compensation plan.
4×4 Cash serve up the familiar advertising-credits based Ponzi scheme model, spliced as a matrix-pyramid hybrid.
The revenue-sharing component of the scheme is straight-up Ponzi, with newly invested affiliate funds used to pay off existing investors (including monthly fees).
The matrix-side of the opportunity also operates as a Ponzi, offering a 100% return on the initial investment per cycle.
Subsequent cycles are required to actually get into profit, requiring a minimum 12 new positions per profitable ROI paid out.
The pyramid scheme aspect enter the equation by merit of both components of the 4×4 Cash compensation plan requiring a steady stream of new recruits.
These recruits must either invest in revenue-sharing positions or purchase matrix positions, otherwise 4×4 Cash collapses.
Although not explicitly clarified on the 4×4 Cash website, I suspect there’s also some pay to play going on too, as I find it hard to believe those investing in at the $50 level (plus $29.90 a month) are given the same ROI priority as free members.
When the inevitable collapse hits, 4×4 Cash affiliates will notice their daily ROI drop, in line with their matrix positions taking longer to cycle before collapsing altogether.
At that point anyone with funds still trapped in the system loses out, with the anonymous 4×4 Cash admin doing a runner.