Loanledger fails to provide verifiable ownership or executive information on its website.

Loanledger operates from three known website domains:

  1. loanledger.net – privately registered on November 12th, 2025
  2. loanledger.is – privately registered on November 15th, 2025
  3. loanledger.org – privately registered on November 14th, 2025

Despite being less than two months old, on its website Loanledger falsely represents is was launched in 2020.

The story of Loanledger began back in 2020, when our founder and CEO, William Carter, brought together a team of professional traders and software engineers to explore how artificial intelligence could reshape modern investing.

As for “William Carter”…

…Carter appears on Loanledger’s website and in its marketing videos, but doesn’t exist outside of Loanledger itself:

A BehindMLM reader has written in to advise Carter is played by “Ryan” from Canada:

As above, “Ryan” is or has been teaching English in Ukraine.

On social media, “Ryan” goes by Ryan Joseph Kingwell. On September 29th, 2025, Kingwell posted footage of a staged Loanledger marketing video on Instagram:

In one shot we can see “Alex” wearing a Feelmake Video t-shirt:

Feelmake Video is a video production studio in Kiev, Ukraine. This tracks with the majority of Boris CEO scams being run by eastern European scammers (Russia, Ukraine and Belarus).

Ryan Kingwell made his only appearance on Loanledger’s YouTube channel on Ocotber 21st, 2025. Kingwell playing Boris CEO “William Carter” might have already been replaced.

On November 10th, 2025, Loanledger introduced “Oliver Tate”:

The actor playing Tate has an eastern European accent and has probably been recruited within Ukraine.

On December 17th, serial promoter of Ponzi schemes Vaughan Morrill cited “Oliver Tate” as Loanledger’s creator:

The above screenshot is taken from Vaughn’s “Unlimited Freedom” channel. The same video, in which Morrill is cited as Loanledger’s “media partner”, was uploaded to Loanledger’s YouTube channel on December 15th.

In an attempt to appear legitimate, Loanledger provides UK and Australian company certificates on its website and in its marketing materials.

“Loanledger AI Systems LTD” was registered in the UK on May 12th, 2025. The same company name was registered in Australia on May 16th.

Due to the ease with which scammers are able to incorporate shell companies with bogus details, for the purpose of MLM due-diligence these certificates are meaningless.

Case in point, Loanledger AI System LTD was registered in the UK and Australia by William Carter. We’ve already established Carter doesn’t exist.

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.

Loanledger’s Products

Loanledger has no retailable products or services.

Promoters are only able to market Loanledger promoter membership itself.

Loanledger’s Compensation Plan

Loanledger promoters invest USD equivalents in cryptocurrency.

This is done on the promise of advertised passive returns:

  • Silver 1 – invest $10 to $3000 for 15 days and receive 0.7% daily
  • Silver 2 – invest $10 to $3000 for 25 days and receive 0.8% daily
  • Silver 3 – invest $10 to $3000 for 35 days and receive 1.1% daily
  • Silver 4 – invest $10 to $3000for 55 days and receive 1.4% daily
  • Silver 5 – invest $10 to $3000 for 90 days and and receive 1.7% daily
  • Gold 1 – invest $3000 to $25,000 for 25 days and receive 1.7% daily
  • Gold 2 – invest $3000 to $25,000 for 35 days and receive 2% daily
  • Gold 3 – invest $3000 to $25,000 for 55 days and receive 2.3% daily
  • Gold 4 – invest $3000 to $25,000 for 90 days and receive 2.5% daily
  • Platinum 1 – invest $25,000 to $250,000 for 25 days and receive 2.5% daily
  • Platinum 2 – invest $25,000 to $250,000 for 35 days and receive 2.7% daily
  • Platinum 3 – invest $25,000 to $250,000 for 55 days and receive 3.2% daily
  • Platinum 4 – invest $25,000 to $250,000 for 90 days and receive 3.8% daily

The MLM side of Loanledger pays referral commissions on cryptocurrency invested by recruited promoters.

Loanledger Promoter Ranks

There are eleven promoter ranks within Loanledger’s compensation plan.

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

  • Basic – sign up as a Loanledger promoter
  • Starter – generate $10,000 in downline investment
  • Junior – generate $30,000 in downline investment
  • Business – generate $50,000 in downline investment
  • Captain – generate $100,000 in downline investment
  • Mentor – generate $250,000 in downline investment
  • Master – generate $500,000 in downline investment
  • Lead – generate $1,000,000 in downline investment
  • Ace – generate $3,000,000 in downline investment
  • Grandmaster – generate $10,000,000 in downline investment
  • Boss – generate $30,000,000 in downline investment

Referral Commissions

Loanledger pays referral commissions via a unilevel compensation structure.

A unilevel compensation structure places a promoter at the top of a unilevel team, with every personally recruited promoter placed directly under them (level 1):

If any level 1 promoters recruit new promoters, they are placed on level 2 of the original promoter’s unilevel team.

If any level 2 promoters recruit new promoters, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

Loanledger caps payable unilevel team levels at twelve.

Referral commissions are paid as a percentage of cryptocurrency invested across these twelve levels based on rank:

  • Basic promoters receive 5% on level 1 (personally recruited promoters), 0.5% on levels 2 and 3, 0.3% on level 4 and 0.2% on level 5
  • Starter promoters receive 6% on level 1, 0.5% on levels 2 to 5, 0.3% on level 6 and 0.2% on level 7
  • Junior promoters receive 7% on level 1, 1% on levels 2 and 3, 0.5% on levels 4 to 6 and 0.3% on level 7
  • Business promoters receive 8% on level 1, 2% on level 2, 1% on level 3, 0.5% on levels 4 to 6, 0.3% on level 7 and 0.2% on level 8
  • Captain promoters receive 9% on level 1, 2% on level 2, 1% on levels 3 and 4, 0.5% on levels 5 to 7% and 0.3% on level 8
  • Mentor promoters receive 10% on level 1, 3% on level 2, 2% on level 3, 1% on levels 4 and 5, 0.5% on levels 6 to 8 and 0.3% on level 9
  • Master promoters receive 11% on level 1, 4% on level 2, 2% on level 3, 1% on levels 4 and 5, 0.5% on levels 6 to 9 and 0.3% on level 10
  • Lead promoters receive 12% on level 1, 4% on level 2, 3% on level 3, 2% on level 4, 1% on levels 5 and 6, 0.5% on levels 7 to 11 and 0.3% on level 12
  • Ace promoters receive 14% on level 1, 4% on level 2, 3% on level 3, 2% on levels 4 and 5, 1% on levels 6 to 10, 0.5% on level 11 and 0.3% on level 12
  • Grandmaster promoters receive 15% on level 1, 5% on level 2, 3% on level 3, 2% on levels 4 and 5, 1% on levels 6 to 11 and 0.5% on level 12
  • Boss promoters receive 16% on level 1, 6% on level 2, 4% on level 3, 2% on levels 4 and 5 and 1% on levels 6 to 12

Rank Achievement Bonus

Loanledger rewards promoters for qualifying at Starter and higher with the following Rank Achievement Bonuses:

  • qualify at Starter and receive $100
  • qualify at Junior and receive $200
  • qualify at Business and Captain and receive $500
  • qualify at Mentor and receive $1500
  • qualify at Master and receive $3000
  • qualify at Lead and receive $5000
  • qualify at Ace and receive $15,000
  • qualify at Grandmaster and receive $30,000
  • qualify at Boss and receive $50,000

Joining Loanledger

Loanledger promoter membership is free.

Full participation in the attached income opportunity requires a minimum $10 investment.

Loanledger solicits investment in various cryptocurrencies.

Loanledger Conclusion

Loanledger represents it generates external revenue through a vague AI trading ruse:

Our proprietary artificial intelligence performs high-frequency arbitrage strategies across multiple cryptocurrency exchanges.

No verifiable evidence is provided to confirm Loanledger generates external revenue of any kind.

Furthermore, in addition to be run by ficitional exeucitves, Loanledger’s business model fails the Ponzi logic test.

If Loanledger was actually capable of legitimate generating 3.8% daily on a consistent basis, what does it need your money for?

As it stands, the only verifiable source of revenue entering Loanledger is new investment. Using new investment to pay daily ROI withdrawals would make Loanledger a Ponzi scheme.

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

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

Math guarantees that when a Ponzi schemes inevitably collapses, math majority of participants lose money.