DF Finance fails to provide company ownership or executive information on its website.

In fact as I write this, DF Finance’s website is nothing more than an affiliate registration/login form:

Our source material for this review is thus a DF Finance marketing video, narrated by none other than Ronae Jull.

Jull appeared on BehindMLM’s radar last year as “Hope Hill”, the HyperFund Ponzi scheme’s Compliance Officer.

Being a Ponzi scheme HyperFund didn’t of course need a Compliance Officer, but that was part of the marketing pitch.

Jull appears to have lay relatively low after HyperFund collapsed and was rebooted as Hyperverse.

A few weeks ago a reader reported Jull officially left Hyperverse on May 1st. The DF Finance marketing video I’m working off was recorded just over a week ago.

It is unclear whether Jull is just promoting DF Finance or if she’s part of the executive team.

DF Finance’s website domain (“dfkxk.com”), was privately registered on March 2nd, 2022.

Despite only existing for a few months, DF Finance falsely claims it has “been in operation for more than five years”.


Update 30th May 2022 – DF Finance’s claims about being around for years are still bogus, but I wanted to note the company’s multiple domains.

For whatever reason, DF Finance appears to cycle through domains every so often. Domains take the format of “df(random three letter string; dfaaa.com, dfxyc.com, dfaac.abc etc.).

None of those are actual DF Finance domains, with actual three-letter strings used appearing to be random.

I suspect this is an attempt to evade regulators and authorities. /end update


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.

DF Finance’s Products

DF Finance has no retailable products or services.

Affiliates are only able to market DF Finance affiliate membership itself.

DF Finance’s Compensation Plan

DF Finance affiliates invest tether (USDT) on the promise of a daily return:

  • VIP 2 – invest $255 and receive $12 a day
  • VIP3 – invest $600 and receive $30 a day
  • VIP4 – invest $1525 and receive $76 a day
  • VIP5 – invest $3050 and receive $152 a day
  • VIP6 – invest $7050 and receive $354 a day
  • VIP7 – invest $15,250 and receive $747 a day
  • VIP8 – invest $42,500 and receive $1700 a day
  • VIP9 – invest $87,500 and receive $3498 a day

Higher investment tiers are available but require “special permission”.

To qualify for returns DF Finance affiliates must complete a set number of daily “tasks”.

The more a DF Finance affiliate invests the more tasks they must complete each day. This caps out at 200 tasks at the VIP9 investment tier.

There doesn’t appear to be any ROI cap. DF Finance does advise affiliates when they invest that their “deposit will be refunded to the bound USDT address within 6 months.”

This suggests that returns are paid for up to 6 months on each investment made.

DF Finance Team commissions are earned on returns paid to downline affiliates.

DF has made a three-level marketing plan to recruit more agents.

This suggests DF Finance pays commissions down three levels of recruitment.

Specifics are unfortunately not provided.

Joining DF Finance

DF Finance affiliate membership is free.

Full participation in the attached income opportunity is tied to a minimum $255 investment in tether (USDT).

Reinvestment appears to be required at least once every six months.

DF Finance Conclusion

DF Finance’s marketing ruse revolves around pretending it has partnerships with established brands.

DF provides software as a service for retailers.

The company’s platform includes online store creation, search engine optimization, hosting, marketing and security from small enterprises to large enterprises.

On the agency side, we help DF users and merchants to make purchase data every day.

DF Finance has also been recognized by Amazon, eBay (and) BestBuy.

This is of course all baloney. Despite representations, DF Finance has no partnerships with Amazon, eBay or BestBuy.

The scheme’s marketing ruse revolves around generating orders for these companies. It claims to charge merchants, like Amazon, eBay and BestBuy, a fee, which it passes on to investors.

This is again baloney. The “orders” boil down to investors clicking a button in their DF Finance app and getting notification of a made-up generated order.

Ronae Jull claims generating fifty orders (clicking the button fifty times), takes “about 10 minutes”.

Let’s say you were going to start today at VIP3. It requires a $600 deposit in USDT.

For that you’re given fifty tasks daily, takes ya about ten minutes. You earn a commission of sixty cents for each task. Your daily commission totals $30, and your monthly obviously would then be $900.

DF Finance’s marketing ruse further falls apart if you ask why affiliates have to invest to participate in the scheme. Aren’t the merchant fees funding returns?

At a bare minimum, DF Finance’s passive investment opportunity constitutes a securities offering.

DF Finance provides no evidence it has registered its securities offering with financial regulators. This means the company is committing securities fraud and operating illegally.

Promoters like Ronae Jull are also not registered with the SEC. Promoting unregistered securities also constitutes securities fraud.

At the end of the day the only verifiable source of revenue entering DF Finance is new investment. Behind the marketing ruse is DF Finance running a self-contained Ponzi scheme within an app.

As with all MLM Ponzi schemes, once affiliate recruitment dries up so too will new investment.

This will starve DF Finance of ROI revenue, eventually prompting a collapse.

The math behind Ponzi schemes guarantees that when they collapse, the majority of participants lose money.


Update 29th May 2022 – Turns out Ronae Jull is a convicted felon.

In 1998 Jull was indicted on multiple counts of fraud related to… wait for it, running a Ponzi scheme.


Update 9th June 2022 – DF Finance has collapsed.