FineCoin provide no information on their website about who owns or runs the business.

The FineCoin website domain (“”) was privately registered on December 9th, 2017.

FineCoin claims to be “the first and safest European lending platform”, however the USD is used as a currency throughout the FineCoin website.

The reality is FineCoin could be run by anyone from anywhere.

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.

FineCoin Products

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

The FineCoin Compensation Plan

FineCoin affiliates acquire FINE points from the company’s anonymous owners.

FINE points are sold to FineCoin affiliates for 45 cents to $1.20 each.

Once acquired, FineCoin affiliates “lend” acquired FINE points back to the company on the promise of an advertised ROI.

  • invest $100 to $1000 and receive a variable daily ROI for 240 days
  • invest $1001 to $10,000 and receive a variable daily ROI plus bonus 0.1% daily ROI for 180 days
  • invest $10,001 to $25,000 and receive a variable daily ROI plus bonus 0.25% daily ROI for 120 days
  • invest $25,001 to $50,000 and receive a variable daily ROI plus bonus 0.35% daily ROI for 99 days

FineCoin pay referral commissions on invested funds down three levels of recruitment (unilevel):

  • level 1 (personally recruited affiliates) – 5%
  • level 2 – 3%
  • level 3 – 2%

Joining FineCoin

FineCoin affiliate membership is tied to a minimum $100 investment.


FineCoin as a cryptocurrency brings nothing new to the table.

FineCoin gives you the ability to store, lend and transfer all your money with close to no fees.

FINE points exist solely for as a speculative investment vehicle for FineCoin affiliates, which brings us to the company’s lending ROI business model.

FineCoin claim to generate external ROI revenue via a “trading bot”.

Our developers have built a trading bot that diversifies and makes profits continuously and on a daily basis, allowing you to make profit by daily payouts and a large return on your investment.

FineCoin provide no evidence of a trading bot existing.

That leaves new investment the only verifiable source of revenue entering FineCoin.

Using newly invested funds to pay existing affiliates a daily ROI makes FineCoin a Ponzi scheme.

Lending ICO Ponzis like FineCoin play out as follows:

Admins (who are typically anonymous) offload worthless pre-generated points in exchange for real money. In this case it’s FINE points.

The admins then use some of this money to pay promised ROIs for as long as new affiliates sign up.

Once affiliate recruitment dries up so does the ROI reserve.

When a predetermined threshold is reached, the anonymous FineCoin admins pull a runner with what’s left.

Early FineCoin investors make a bit of money (mostly via recruitment of new investors). But same as any other Ponzi scheme, the reality of such scams is that the majority of participants eventually lose money.