CoopInc, aka Cooperative Income or CoopIncome, fails to provide ownership or executive information on its website.

In one marketing video embedded onto CoopIncome’s website however, we see David T. Rosen presenting.

Rosen, a Canadian resident, first popped up on BehindMLM’s radar in 2015, as founder of the PIE 24/7 pyramid scheme.

In early 2018 Rosen launched Cooperative Crowdfunding, a matrix-based gifting scheme. This was followed by 50/50 Crowdfunding in late 2018.

In late 2019 Rosen rebooted 50/50 Crowdfunding as CoopCrowd.

After the first iteration of CoopCrowd collapsed, Rosen launched Coop5050 in late 2020.

Coop5050 began to collapse in late 2021, prompting Rosen to announce a CoopCrowd reboot.

CoopCrowd 2022 launched in early 2022 and collapsed mid-year.

In early 2023, Rosen launched CoopBusiness, a 3×10 matrix based pyramid scheme.

CoopBusiness lasted a few months, prompting Rosen to launch Coop20 in August.

Coop20 was expanded in October 2023, and it’s this iteration we’re reviewing today.

Read on for a full review of CoopInc’s MLM opportunity.

CoopInc’s Products

CoopInc has no retailable products or services.

Affiliates are only able to market CoopInc affiliate membership itself.

CoopInc’s Compensation Plan

CoopInc affiliates purchase positions in a 3×6 matrix:

  • CoopInc20 – $20 every 28 days
  • CoopInc28 – $28 every 28 days
  • CoopInc20/28/280 – $280 every 28 days

“20”, “28” and “280” refer to three matrix tiers:

  • CoopInc20 = 3×6 matrix
  • CoopInc28 = 3×10 matrix
  • CoopInc 280 = 3×10 matrix

A 3×6 matrix places an affiliate at the top of the matrix, with three positions directly under them.

These three positions form the first level of the matrix. The second level of the matrix is generated by splitting each of these first three positions into another three positions each (9 positions).

Levels three to six of the matrix are generated in the same manner, with each new level housing three times as many positions as the previous level.

A 3×10 matrix expands a 3×6 matrix to ten levels. These additional four levels follow the same “three times as many positions” formula.

Recruitment Commissions

CoopInc affiliates receive 25% of position fees paid by personally recruited affiliates.

Residual Commissions

Regardless of the matrix tiers, commissions are paid as a percentage of each directly or indirectly recruited affiliate’s buy-in.

Exact commission percentages are determined by which level of the matrix a position is filled.


  • level 1 – 15%
  • level 2 – 5%
  • level 3 – 10%
  • levels 4 and 5 – 5%
  • level 6 – 10%

CoopInc28 and Coop280

  • level 1 – 10%
  • levels 2 to 4 – 5%
  • level 5 – 2.5%
  • level 6 – 5%
  • levels 7 and 8 – 2.5%
  • level 9 – 5%
  • level 10 – 7.5%

Note that once a matrix is filled, a new matrix is opened up at the same tier (CoopInc20, CoopInc28 or CoopInc280).

Also note that CoopInc affiliates who don’t recruit only earn residual commissions on

  • three matrix levels for CoopInc20 and
  • two matrix levels for CoopInc28 and CoopInc280

Unlocking all six or ten matrix levels requires the following qualification criteria to be met:


  • recruit one affiliate to unlock matrix level 4
  • recruit three affiliates to unlock matrix level 5
  • the three affiliates who you recruited recruiting three affiliates of their own unlocks level 6

CoopInc28 and CoopInc280

  • recruit one affiliate to unlock matrix level 3
  • recruit two affiliates to unlock matrix level 4
  • recruit three affiliates to unlock matrix level 6
  • one of the affiliates you recruited recruiting three affiliates of their own unlocks level 7
  • two of the affiliates you recruit recruiting three affiliates of their own unlocks level 8
  • three of the affiliates you recruit recruiting three affiliates of their own unlocks all 10 levels

Bonus Royalties

25% of each position payment is put aside for “Bonus Royalties”.

Other than Bonus Royalties being tied to recruitment (recruit three affiliates who recruit three affiliates), nothing else is disclosed.

Joining CoopInc

CoopInc affiliate membership is $20.

CoopInc Conclusion

CoopInc is a continuation of David Rosen defrauding consumers through a long-running series of pyramid schemes.

New affiliates sign up and pay money, and that money is paid to whoever recruited them and other affiliates who joined before them.

They in turn receive money from either directly or indirectly subsequently recruited affiliates.

Rosen markets this fraudulent business model on the premise consumers can make $10.7 million dollars every 28 days.

While technically true, this is unrealistic to the point it is unlikely that even one CoopInc affiliate will get anywhere near this.

Rosen’s CoopInc marketing claims would most certainly violate the FTC Act for deceptive income claims. Ditto whatever the Canadian equivalent of that is too.

As with all MLM pyramid schemes, once recruitment inevitably dries up so too do commissions.

Under CoopInc’s 28-day subscription model, this will eventually see those at the bottom of the pyramid stop paying.

When that happens those above them stop getting paid, eventually resulting in them also ceasing payments.

Once enough CoopInc affiliates stop paying fees, an irreversible collapse is triggered.

Math guarantees that when a pyramid scheme inevitably collapses, the majority of participants lose money.

Look no further than any of Rosen’s past pyramid schemes for evidence of this in action.