Other than a rosy story about “Chinese families”, Chang Cheng International Finance Alliance provide no information on their website about who owns or runs the business.

The alliance Chang Cheng began its way as a family business.

Of course, then it wasn’t any international alliance – there existed a few Asian families, connected by longtime friendship, which had long-standing traditions in several areas – trading in securities, legal support of business transactions, banking sphere.

In this format Chang Cheng worked for more than 15 years.

Since 2013 one of the founders’ sons has taken over the management of the company – he is a young lawyer and entrepreneur.

He made a decision to expand the family business by attracting partners worldwide and later it led to creation of the international financial alliance.

Naturally there are no specifics provided.

The Chang Cheng IFA website domain (“ccc.life”) was privately registered on May 15th, 2017.

Prior to that date there is no record of Chang Cheng IFA existing anywhere in the world.

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.

Chang Cheng IFA Products

Chang Cheng IFA has no retailable products or services, with affiliates only able to market Chang Cheng IFA affiliate membership itself.

The Chang Cheng IFA Compensation Plan

Chang Cheng IFA affiliates invest bitcoin on the promise of a 200% ROI paid weekly:

  • Ordinary Bond Package – invest 0.02 BTC and receive a 5.5% weekly ROI
  • Bronze Package – invest 0.5 BTC and receive an 8% weekly ROI
  • Silver Package – invest 5 BTC and receive a 10.5% weekly ROI
  • Gold Package – invest 25 BTC and receive a 13% weekly ROI

Chang Cheng IFA restrict affiliates from withdrawing ROI payments via a “loyalty rating”.

A loyalty rating is measured in dollars and goes up when commissions are earned and ROI payments are made.

When an affiliate withdraws money, the loyalty rating drops by the dollar amount withdrawn.

If the loyalty rating drops to zero, funds cannot be withdrawn.

This system effectively prevents a Chang Cheng IFA affiliate from withdrawing their invested capital.

Residual Commissions

Residual commissions are earned on invested funds and ROI payouts to downline affiliates.

Chang Cheng IFA pay residual commissions via a unilevel compensation structure.

A unilevel compensation structure places an affiliate at the top of a unilevel team, with every personally recruited affiliate placed directly under them (level 1):

If any level 1 affiliates recruit new affiliates, they are placed on level 2 of the original affiliate’s unilevel team.

If any level 2 affiliates recruit new affiliates, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

Chang Cheng cap payable unilevel levels at five.

Referral commissions on invested funds are paid out as a percentage as follows:

  • Beginner (invest in any Chang Cheng IFA package) – 5% on level 1 (personally recruited affiliates) and 2% on level 2
  • Specialist (invest in a Bronze or higher package and have at least 0.5 BTC invested across levels 1 and 2 of your unilevel team) – 5.5% on level 1, 2.5% on level 2 and 1% on level 3
  • Expert (invest in two Bronze or higher packages and have at least 5 BTC invested across levels 1 and 2 of your unilevel team) – 6% on level 1, 3% on level 2, 1.5% on level 3 and 0.5% on level 4
  • Magister (invest in a Silver or higher package and have at least 50 BTC invested across levels 1 and 2 of your unilevel team)  – 6.5% on level 1, 3.5% on level 2, 2% on level 3, 1% on level 4 and 0.5% on level 5

Referral commissions on ROI payouts are paid only on level 1 affiliates:

  • Beginner – 2%
  • Specialist – 2.5%
  • Expert and Magister – 3%

Rank Achievement Bonuses and Bonus Cards

Rank Achievement Bonuses are mentioned in the Chang Cheng IFA compensation plan, however no specifics are provided.

Bonus cards permit an affiliate to withdraw money without taking a hit to their loyalty rating.

Other than being prepaid cards of some sort, specifics are again not provided.

Joining Chang Cheng IFA

Chang Cheng IFA affiliate membership is tied to investment in at least one of the following packages:

  • Ordinary Bond Package – 0.02 BTC
  • Bronze Package – 0.5 BTC
  • Silver Package – 5 BTC
  • Gold Package – 25 BTC

The primary difference between the packages is increased income potential via the Chang Cheng IFA compensation plan.


The ruse behind Chang Cheng IFA’s 200% ROIs is the trading of government bonds.

Our alliance deals with investment in one of the most conservative and profitable segments of financial market – trading in historical (rare) government bonds.

The trading of government bonds to generate a 200% ROI fails the Ponzi logic test.

If the anonymous owners of Chang Cheng IFA were able to consistently generate a 13% weekly ROI, why would they be soliciting investment from random people over the internet?

13% a week equates to annual ROI of 676%.

Considering Chang Cheng IFA claims this has been going on for “more than 15 years”, surely those behind Chang Cheng IFA are the richest people on the planet by now?

In the absence of any proof whatsoever of bond trading taking place, the only verifiable source of revenue entering Chang Cheng IFA is affiliate investment.

The use of newly invested funds to pay off existing investors makes Chang Cheng IFA a Ponzi scheme.

Like all Ponzi schemes, once affiliate recruitment dies off so too will investment revenue. This will see Chang Cheng IFA collapse, resulting in the majority of investors losing money.