Home Block Coin provide no information on their website about who owns or runs the company on their website.

The Home Block Coin website domain (“homeblockcoin.com”) was privately registered 19th October, 2017.

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.

Home Block Coin Products

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

The Home Block Coin Compensation Plan

Home Block Coin affiliates acquire HBC points from the company’s anonymous owners.

Home Block Coin sell HBC points to affiliates for a minimum of $1 per point.

Once acquired, Home Block Coin affiliates “lend” HBC points back to the company on the promise of a daily variable ROI (capped at 48% a month).

  • invest $100 to $1000 and receive a daily variable ROI for 239 days
  • invest $1001 to $5000 and receive a daily variable ROI plus bonus 0.15% daily ROI for 179 days
  • invest $5001 to $10,000 and receive a daily variable ROI plus bonus 0.25% daily ROI for 120 days
  • invest $10,001 to $100,000 and receive a daily variable ROI plus bonus 0.3% daily ROI for 99 days

Referral Commissions

Home Block Coin 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.

Home Block Coin cap payable unilevel levels at seven, with referral commissions paid out as a percentage of both funds invested and ROI payments.

Investment referral commission rates

  • level 1 (personally recruited affiliates) – 8%
  • level 2 – 3%
  • level 3 – 2%
  • levels 4 to 7 – 1%

ROI referral commission rates

  • level 1 – 5%
  • levels 2 to 4 – 1%
  • levels 5 and 6 – 0.5%
  • level 7 – 0.3%

Joining Home Block Coin

Home Block Coin affiliate membership is free, however free affiliates can only earn referral commissions.

Full participation in the Home Block Coin MLM opportunity requires a minimum $100 investment.


Home Block Coin bills itself as an “investment of a lifetime”.

The company claims to generate external ROI revenue through a “trading bot” and “volatility software”.

Home Block Coin however provide no evidence of either bot existing. Neither is evidence of external revenue generated via any other means provided.

Furthermore Home Block Coin’s claims fail the Ponzi logic test.

If Home Block Coin’s anonymous owners had means to legitimately generate a monthly ROI of up to 48% (that’s 576% annually without compounding), why would they share generated returns with randoms over the internet?

As it stands the only verifiable source of revenue entering Home Block Coin is new affiliate funds.

Using newly invested funds to pay existing affiliates a monthly ROI of up to 48% makes Home Block Coin a Ponzi scheme.

Referral commissions paid out add an additional pyramid layer to the scheme, as both commission payouts are tied to direct and indirect recruitment.

Lending ICO Ponzis like Home Block Coin play out as follows:

Admins (who are typically anonymous) offload worthless pre-generated points in exchange for real money. In this case it’s HBC 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 Home Block Coin admins pull a runner with what’s left.

Early Home Block Coin investors make a bit of money, mostly via recruitment of new investors. But same as any other Ponzi scheme, the reality of lending scams is that the majority of participants eventually lose money.