Jifu operates in the travel MLM niche.

The company is based out of Idaho and headed up by co-founders Jeffery Boyle (CEO) and Bradley Boyle (President).

After graduating with a JD from the University of Idaho in 2006, Jeffery Boyle launched Jus International.

Boyle (right) served as Jus International’s CEO and President until May 2009.

In late 2011 Jus International abandoned its MLM operations and continued its retail operations as Havvn.

In 2013 Boyle was appointed CEO and President of Sanki Global.

He left that position in 2015. Jifu was founded in late 2018.

In between his MLM executive roles Boyle markets himself as an MLM trainer and coach.

He has several long-running businesses he offers his training and coaching services through, including Boyle Network, Networking Star and his own personal website.

Similar services appear to be offered to Jifu affiliates through the Jifu Institute.

Bradley Boyle, who I assume is related to Jeffrey Boyle, has no online corporate history to speak off (MLM or non-MLM).

Bradley Boyle’s Jifu corporate bio only cites him as “the ultimate travel guide”.

Read on for a full review of the Jifu MLM opportunity.

Jifu Products

Jifu markets membership that provides access to the “Jifu Travel Portal”, a discount travel booking engine.

Jifu claims its travel portal has the “SAME resorts, SAME hotels (and) SAME rentals” as “every major travel site”.

Jifu’s presentation of a retail membership appears to specifically engineered to turn potential retail customers into affiliates.

If a visitor clicks on the purple “join as a member” button, they have to enter in referring affiliate details.

After this they’re presented with Jifu affiliate membership options, ranging in price from $40 to $1000.

Buried in between these options is “Jifu Exclusive Travelers Club Membership”, which is the $50 and then $25 a month retail option.

It’s incredibly easy to miss. And there’s no indication to visitors that this is the option they want to choose if they don’t want to sign up for the business opportunity.

The Jifu Compensation Plan

Jifu’s compensation plan revolves around the sale of memberships to retail customers and recruited affiliates.

Jifu Affiliate Ranks

There are twelve affiliate ranks within Jifu’s compensation plan.

Along with their respective qualification criteria, they are as follows:

  • Manager – sign up with or upgrade to a Silver pack or higher, recruit two affiliates or enroll two retail customers and generate at least 500 CP in weekly weaker binary team side volume
  • Manager 2 – maintain two recruited affiliates or enrolled retail customers and generate at least 1000 CP in weekly weaker binary team side volume
  • Manager 3 – recruit and maintain four affiliates or enroll four retail customers and generate at least 2000 CP in weekly weaker binary team side volume
  • Manager 4 – maintain four recruited affiliates or enrolled retail customers and generate at least 4000 CP in weekly weaker binary team side volume
  • Director – sign up with or upgrade to a Diamond pack, recruit and maintain six recruited affiliates or enrolled retail customers and generate at least 8000 CP in weekly weaker binary team side volume
  • Director 2 – maintain six recruited affiliates or enrolled retail customers and generate at least 20,000 CP in weekly weaker binary team side volume
  • Director 3 – recruit and maintain at least eight affiliates or enrolled retail customers and generate at least 40,000 CP in weekly weaker binary team side volume
  • Director 4 – maintain eight recruited affiliates or enrolled retail customers and generate at least 80,000 CP in weekly weaker binary team side volume
  • Executive – sign up or have upgraded to a Diamond pack, recruit and maintain twelve affiliates or enrolled retail customers and generate at least 200,000 CP in weekly binary team side volume
  • Executive 2 – recruit and maintain sixteen affiliates or enrolled retail customers and generate at least 400,000 CP in weekly binary team side volume
  • Ambassador – recruit and maintain twenty affiliates or enrolled retail customers and generate at least 600,000 CP in weekly binary team side volume
  • Ambassador 2 – recruit and maintain twenty-four affiliates or enrolled retail customers and generate at least 1,000,000 CP in weekly binary team side volume

Recruited affiliates and enrolled retail customers must be up to date with their fee payments to count towards rank qualification.

CP stands for Commissionable Points, which are generated via the sale of Jifu retail and affiliate memberships.

Retail Commissions

Jifu affiliates receive $25 when they sell a membership to a retail customer.

A residual $5 commission is paid on retail memberships sold by personally recruited affiliates.

Recruitment Commissions

Jifu affiliates are paid to recruit new affiliates.

Recruitment commissions are paid both as a fixed commission, and a percentage of generated “Commissionable Points” (CP) on recruitment of Gold, Platinum and Diamond affiliates.

Recruitment of a Silver pack affiliate is paid down two levels (unilevel); $50 on level 1 and $10 on level 2.

Level 2 affiliates are those recruited by affiliates you’ve personally recruited.

Recruitment of Gold, Platinum and Diamond pack affiliates generates the following CP amounts:

  • recruitment of a Gold pack affiliate = 350 CP
  • recruitment of a Platinum pack affiliate = 550 CP
  • recruitment of a Diamond pack affiliate = 950 CP

Corresponding recruitment commission rates for recruitment of Gold, Platinum or Diamond pack affiliates are as follows:

  • Starter pack affiliates are paid 10%
  • Silver pack affiliates are paid 20%
  • Platinum pack affiliates are paid 25%
  • Diamond pack affiliates are paid 30%

Platinum and Diamond pack affiliates are paid the above percentages for six months after they sign up.

To continue to be paid either 25% or 30%, Platinum and Diamond pack affiliates must qualify as a Manager 4 or Director 4 respectively.

If this rank isn’t achieved, a Platinum pack affiliate’s commission rate drops to 20%. A Diamond pack affiliate’s commission rate drops to 25%.

Residual Commissions

Manager and higher ranked Jifu affiliates qualify for residual commissions.

Jifu pays residual commissions via a binary compensation structure.

A binary compensation structure places an affiliate at the top of a binary team, split into two sides (left and right):

The first level of the binary team houses two positions. The second level of the binary team is generated by splitting these first two positions into another two positions each (4 positions).

Subsequent levels of the binary team are generated as required, with each new level housing twice as many positions as the previous level.

Positions in the binary team are filled via direct and indirect recruitment of affiliates. Note there is no limit to how deep a binary team can grow.

At the end of each week Jifu tallies up new CP generated on both sides of the binary team.

Residual commissions are paid as a percentage of generated CP on the weaker binary team side.

  • Managers through Manager 4 earn a 15% residual commission rate
  • Directors and higher earn a 20% residual commission rate

Once paid out on, CP is matched on both sides of the binary team and flushed.

Leftover CP on the stronger binary team side is capped based on rank and carried over into the following week.

Matching Bonus

Jifu pays a Matching Bonus on residual commissions paid to downline affiliates.

The Matching Bonus is paid out using the same unilevel compensation structure as residual recruitment commissions.

  • Manager 2 ranked affiliates earn a 20% match on level 1 (personally recruited affiliates)
  • Manager 4 ranked affiliates earn a 20% match on level 1 and 15% on level 2
  • Director ranked affiliates earn a 20% match on level 1, 15% on level 2 and 10% on level 3
  • Director 2 ranked affiliates earn a 20% match on level 1, 15% on level 2, 10% on level 3 and 5% on level 4
  • Director 3 ranked affiliates earn a 20% match on level 1, 15% on level 2, 10% on level 3 and 5% on levels 4 and 5
  • Director 4 ranked affiliates earn a 20% match on level 1, 15% on level 2, 10% on level 3, 5% on levels 4 and 5 and 1% on level 6
  • Executive ranked affiliates earn a 20% match on level 1, 15% on level 2, 10% on level 3, 5% on levels 4 and 5 and 1% on levels 6 and 7
  • Executive 2 ranked affiliates earn a 20% match on level 1, 15% on level 2, 10% on level 3, 5% on levels 4 and 5 and 1% on levels 6 to 8
  • Ambassador ranked affiliates earn a 20% match on level 1, 15% on level 2, 10% on level 3, 5% on levels 4 and 5 and 1% on levels 6 to 9
  • Ambassador 2 ranked affiliates earn a 20% match on level 1, 15% on level 2, 10% on level 3, 5% on levels 4 and 5 and 1% on levels 6 to 10

Note that the percentages above are cited as paid “up to” in the Jifu compensation plan.

No explanation is provided.

Rank Achievement Bonus

Jifu rewards affiliates with the following Rank Achievement Bonuses for qualifying at the Manager and higher ranks.

  • qualify as a Manager and receive 500 TRC
  • qualify as a Manager 2 and receive 1000 TRC
  • qualify as a Manager 3 and receive 2000 TRC
  • qualify as a Manager 4 and receive 4000 TRC
  • qualify as a Director and receive 10,000 TRC
  • qualify as a Director 2 and receive 20,000 TRC
  • qualify as a Director 3 and receive 40,000 TRC
  • qualify as a Director 4 and receive 80,000 TRC
  • qualify as an Executive and receive 200,000 TRC
  • qualify as an Executive 2 and receive 400,000 TRC
  • qualify as an Executive 3 and receive 600,000 TRC
  • qualify as an Executive 4 and receive 1,000,000 TRC

TRC stands for Travel Reward Credits.

Travel Reward Credits received through Rank Achievement Bonuses must be ‘used to redeem products and services in the JIFU Travel Portal.‘

Jetsetter Bonus

The Jetsetter Bonus is a 15% match on Travel Rewards Credits earned residual commissions, capped at 60,000 TRC ($600) a week.

Once 1,200,000 TRC has been banked ($60,000), TRC accumulated through the Jetsetter Bonus can be used ‘on everything offered
in the JIFU Travel Portal, including Flights, Cruises, Hotels, and Rental Cars.‘

Leader Bonus Pools

Jifu takes 1% of company-wide generate CP and places it into three 1% Leadership Bonus Pools.

Leadership Bonus Pools correspond to rank and are paid out based on shares at each rank as follows:

  • Directors receive one share in the Directors pool
  • Director 2 affiliates receive two shares in the Directors pool
  • Director 3 affiliates receive three shares in the Directors pool
  • Director 4 affiliates receive four shares in the Directors pool
  • Executives receive one share in the Executives pool
  • Executive 2 affiliates receive two shares in the Executives pool
  • Ambassadors receive one share in the Ambassador pool
  • Ambassador 2 affiliates receive two shares in the Ambassador pool

Note that the Leader Bonus Pool are only paid out if Jifu as a company achieves $1,000,000 in monthly membership sales revenue.

Joining Jifu

Jifu affiliate membership options range from $100 to $1000, each with a monthly fee.

  • Silver Affiliate Pack – $100 and then $30 a month
  • Gold Affiliate Pack – $400 and then $40 a month
  • Platinum Affiliate Pack – $600 and then $80 a month
  • Diamond Affiliate Pack – $1000 and then $120 a month

Higher priced Jifu affiliate packs provide access to the MLM opportunity, Buddy Passes and increased income potential.

Note there is also a $40 Entry Affiliate Pack, however this option only qualifies an affiliate for two level retail and recruitment commissions (Silver affiliate membership sales only).

Conclusion

Jifu markets its travel portal on the concept that major travel service providers are ripping consumers off.

Did you know? The entire online travel booking system is dominated by a DUOPOLY.

What is a DUOPOLY? Think monopoly, but with TWO PLAYERS.

The most popular travel portals are a duopoly, which are typically owned by Priceline and Expedia.

EVERY. MAJOR. TRAVEL. SITE.

Travel consumers are told they are getting the best deal, when really, the duopoly, accesses unsold inventory and MARKS IT UP.

Introducing JIFU. JIFU accesses the SAME wholesale, unsold inventory as the DUOPOLY.

SAME resorts. SAME hotels. SAME rentals. But WITHOUT the inflated prices.

In fact, JIFU gives its members exclusive access to unsold or vacancy pricing with no hidden costs or markup. You heard that right.

Jifu’s compensation plan isn’t entirely disconnected from purchased travel services, but it’s pretty close.

The only thing tying Jifu affiliates to purchased travel services are Travel Rewards Credits.

Every month when paying your Member or Member Affiliate fees or travel through the JIFU portal, you accumulate “Travel Reward Credits” or “TRC.”

Every $100 spent on enrollment for the Gold, Platinum and Diamond Packs, monthly fees or actual travel gives you a minimum of $1 in TRC.

You’ll be surprised how quickly they add up. You can book travel applying TRCs or simply cash them out through JIFU when you reach 50,000 TRC or the equivalent of $500 in TRCs.

Note that not all earned TRCs can be cashed out, with some such as those acquired through rank advancement only able to be used to book travel services.

Also note that nowhere in Jifu’s compensation plan is retail sales of memberships or booked travel required.

As a Jifu retail customer, you sign up for a retail membership (practically hidden among more lucrative affiliate membership options), for $50 and then $25 a month.

Considering access to Jifu’s Travel Portal is just $25 a month, it raises the question why affiliate packs are priced at up to $1000.

The obvious answer is commissionable volume, but there are some other differences – most of which are not regulatory compliant.

First off we have pay to play. The more a Jifu affiliate pays in fees each month, the higher their income potential via Jifu’s compensation plan.

Diamond pack affiliates, for example,

immediately qualify for additional enhanced First Order Bonus (recruitment commissions), and Matching Commissions.

Pay to play is just an excuse to charge affiliates higher fees. It’s often a key indicator of a pyramid scheme.

As opposed to fees paid, commission qualification in an MLM opportunity should only always be tied to sales performance.

The other major difference is bundled Buddy Passes.

Jifu’s Buddy Passes are supposed to be retail marketing tools, but they can also be used to recruit new affiliates.

When redeemed, a Buddy Pass holder gets access to the Jifu Travel Portal – but only 50% of offered discounts.

E.g. if a regular Jifu affiliate or retail customer gets a $100 discount off something, a Buddy Pass member will only get $50 off.

Silver affiliates get ten Buddy Passes to hand out each month. Diamond affiliates get one hundred.

Seeing as Buddy Passes are given out, in and of themselves they don’t count as sales to retail customers (assuming they aren’t just handed out to prospective affiliates).

Does bundling Buddy Passes to Jifu affiliate membership fees justify some affiliates paying $100 and others $1000 – probably not.

Especially when monthly fees on a $1000 Diamond membership drop to just $120 (the same 100 Buddy Passes are bundled each month).

That leaves Travel Reward Credits, which for some reason Jifu affiliates get just for signing up.

Diamond pack affiliates get 9000 TRC for signing up and then 3600 TRC a month – for doing nothing more than paying fees.

These TRCs have to be put towards the travel booking engine and can’t be redeemed for cash – so at least there’s that.

Still does nothing to encourage retail sales though.

Jifu Travel’s compensation plan equates 50,000 TRC to $500, so they seem to be a 1% internal value.

That is the 9000 TRC a Diamond pack affiliate gets when they sign up equates to $90 in travel booking credit. The monthly TRC value is $36.

Worth paying hundreds of dollars more for when signing up? Hardly.

Let’s face it, the drawcard for Jifu’s higher priced affiliate packs is income potential – and that’s a regulatory red flag.

One thing I want to touch on is that some Jifu rank can can be qualified for via Travel Reward Credits.

The Gold rank, for example, can be qualified for by accumulating 600 TRC through Buddy Pass.

Whether that’s actually going to happen in any significant number, or whether affiliates will just pay $400 is another matter.

Considering higher ranks require higher affiliate pack purchases and retail can be ignored, I’m leaning towards payment of $400.

Another regulatory red flag is Jifu’s misrepresentation of available recruitment commissions.

It is stated in Jifu’s compensation plan that

Compensation under the plan is not paid for recruiting activities.

All commissions and bonuses are derived from end users enjoying the benefits of the company’s products and services.

Whether intention or not, this is a flat-out lie.

The First Order Bonus is literally a recruitment bonus paid on the recruitment of new Jifu affiliates.

Call it whatever you want, it is what it is and for Jifu to pretend otherwise is disingenuous.

The good news is evaluating whether your potential Jifu upline is running a pyramid scheme or legitimate retail orientated business is straight-forward.

Seeing as booked travel services has nothing to do with the majority of Jifu’s compensation plan, they can be ignored.

All you need to ask your potential Jifu upline is how many active retail $25 a month retail customer memberships they have.

You’re not interested in Buddy Pass members or expired retail customers or travel booking figures.

All you want to know is how many active $25 a month retail memberships this affiliate has.

If they won’t answer that or the number is incredibly low (weigh it up against how many active fee-paying affiliates they’ve recruited if you want), you can surmise that retail is not a focus of that affiliate’s business.

And if that’s the case company-wide, it means Jifu itself would be operating as a pyramid scheme.

Another calculation you can do to gauge retail viability is also ask what affiliate membership tier that affiliate is paying for each month.

Look up the corresponding Buddy Passes they get each month, weigh that against how many months the affiliate has been a Jifu affiliate and compare to their active retail memberships.

Personally given how little booked travel has to do with Jifu compensation, and that retail is entirely optional – I’d be surprised to see significant retail memberships outside of Buddy Passes (which last for six months).

Unless retail travel booking quotas exist, typically the majority of travel booked in a travel MLM is by affiliates.

More often than not just to snap some photos for Facebook (think WorldVentures’ “you should be here” cringe marketing).

To clarify, there’s nothing wrong with affiliates booking travel – but there also needs to be significant corresponding services booked by retail customers as well.

And yes that’s even if booked travel isn’t a primary commission driver in Jifu’s compensation plan.

What better way is there to gauge the retail viability of Jifu’s memberships than by booked travel?

 

Update 12th November 2024 – Since this review was published Jifu has introduced a forex and crypto trading education subscription.

This appears to be closely modeled on IM Mastery Academy’s pyramid scheme, which was recently noted by Dutch journalists;

The fact that no agency is tackling these practices also became apparent when a concerned mother reported to the Netherlands Authority for the Financial Markets (AFM) last week.

Her son recently became a member of JIFU and told her that many young people who are members of JIFU used to be members of IM Academy.

For October 2024 SimilarWeb tracked ~143,000 monthly visits to Jifu’s website (down 41% month on month).

51% of Jifu’s website traffic originated from Germany, 10% from Portugal, 9% from Italy and 7% from Switzerland.

Jifu seems to be spreading across Europe and, if what’s going on in the Netherlands is standard, poaching IM Mastery Academy promoters.

In what is believed to be an attempt to distance itself from multiple regulatory fraud warnings and an ongoing FTC investigation, IM Mastery Academy renamed itself to Iyovia earlier this month.