customize-cash-logoCustomize Cash was launched earlier this month and lists Frederick Spears as operator, owner and CEO.

Through his company “I Wanna Be Rich”, Spears operates out of Ontario, Canada.

Late last year Spears launched The Viral Franchise, which saw participants gift each other $7 payments.

This model is obviously dependent on new recruits signing up, with a decline likely prompting the launch of Customize Cash.

Read on for a full review of the Customize Cash MLM business opportunity.

The Customize Cash Product Line

Customize Cash has no retailable products or services, with affiliates only able to market Customize Cash affiliate membership itself.

The Customize Cash Compensation Plan

The Customize Cash compensation plan sees affiliates gift $5 payments to each other.

These payments are made through Paypal and tracked through a two-level deep 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 affiliates on level 1 recruit new affiliates of their own, these affiliates are placed on level 2 of the original affiliate’s unilevel team.

Theoretically a unilevel team can expand down an infinite number of levels, but in the Customize Cash compensation plan payments are capped across two levels.

When a Customize Cash affiliates signs up, they pay $5 to the affiliate who recruited them and $5 to their upline (the affiliate who in turn recruited them).

This qualifies them to receive gifting payments from affiliates they recruit (first level) and from any affiliates those affiliates recruit (2nd level).

Commission qualification is monthly, with all Customize Cash affiliates required to make a $10 payment each month if they wish to continue to receive gifting payments.

Joining Customize Cash

Affiliate membership with Customize Cash is $10 a month.


Customize Cash sees Frederick Spears dig himself deeper into the MLM underbelly’s cash gifting niche.

Whereas Viral Franchise saw affiliates gift $7 amounts, in Customize Cash that’s been upped to $10 but the premise is pretty much the same.

You buy in for $10, gift the person who recruited you and the person who recruited them $5 each, which then in turn qualifies you to receive gifting payments from those under you.

Then, as long as everyone continues to make $10 payments each month, participants continue to receive gifting payments on a monthly basis.

The reality of Customize Cash is identical to that of the Viral Franchise, that being once recruitment of new gifters dies down, the scheme collapses.

First those at the very bottom of the company-wide unilevel stop paying their monthly $10 fee, which in turn means those above them stop getting paid.

They too then cease making monthly payments, which affects those above them and before you know it not enough people are paying each month to make Customize Cash worthwhile to run.

Oh and it’s worth pointing out that participants also run the risk of jeopardizing their Paypal accounts, should they cotton on to what is happening.

Reload schemes rarely last as long as their predecessors, so anybody who might have had a decent enough run in The Viral Franchise shouldn’t be expecting a similar experience this time around.

Whether Spears follows up with a third attempt when Customize Cash inevitably slows down remains to be seen.