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

The FundsPay website domain (“fundspay.net”) was privately registered on March 15th, 2018.

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.

FundsPay Products

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

The FundsPay Compensation Plan

FundsPay affiliates invest funds on the promise of an advertised ROI:

  • Plan 1 – 140% ROI after 24 hours
  • Plan 2 – 11% ROI per hour for 12 hours
  • Plan 3 – 200% ROI after 24 hours
  • Plan 4 – 400% ROI after 48 hours

There doesn’t appear to be any minimum or maximum investment amounts, which makes some of FundsPay’s offered investment plans redundant.

FundsPay pay referral 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.

FundsPay cap referral commissions at five levels.

Referral commissions are paid out as a percentage of funds invested across these five levels as follows:

  • level 1 (personally recruited affiliates) – 12%
  • level 2 – 2%
  • levels 3 to 5 – 1%

Joining FundsPay

FundsPay affiliate membership is free, however free affiliates can only earn referral commissions.

Full participation in the FundsPay MLM opportunity requires an investment (no minimum specified).

Conclusion

FundsPay claim to generate external revenue through

Forex market trading Stock market trading, Cryptocurrency market trading and investing in various funds and activities.

The company however provides no evidence of any of these activities taking place, or any other external source of revenue used to pay affiliates.

This leaves new investment as the sole verifiable source of revenue entering FundsPay.

Using newly invested funds to pay existing affiliates makes FundsPay a Ponzi scheme.

As with all Ponzi schemes, once affiliate recruitment slows down so too will new investment.

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

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