MaoPay fails to provide ownership or executive information on its website.

MaoPay’s website domain (“maopay.ai”), was privately registered on April 4th, 2025.

On its website MaoPay provides a purported corporate address in Hong Kong.

The address corresponds to an office tower. It’s unclear whether this address has anything to do with MaoPay.

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.

MaoPay’s Products

MaoPay has no retailable products or services.

Promoters are only able to market MaoPay promoter membership itself.

MaoPay’s Compensation Plan

MaoPay promoters invest USD equivalents in cryptocurrency.

This is done on the promise of advertised passive returns:

  • Starter Plan – invest $100 to $1000 and receive 0.5% to 1% a day for 20 days
  • Optimal Plan – invest $1000 to $10,000 and receive 0.7% to 1.2% a day for 30 days
  • Premium Plan – invest $10,000 to $100,000 and receive 1% to 1.5% a day for 40 days
  • Elite Plan – invest $100,000 to $1,000,000 and receive 1.2% to 1.7% a day for 50 days
  • Venture VIP – invest $100 to $1,000,000 and receive 1.5% to 2.5% a day for 200 days
  • Venture Premium – invest $100 to $1,000,000 and receive 2% to 3% a day for 300 days

The MLM side of MaoPay pays on recruitment of promoter investors.

MaoPay Promoter Ranks

There are ten promoter ranks within MaoPay’s compensation plan.

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

  1. Associate Partner – generate $10,000 in downline investment volume
  2. Silver Leader – generate $25,000 in downline investment volume
  3. Gold Executive – generate $50,000 in downline investment volume
  4. Platinum Strategist – generate $100,000 in downline investment volume
  5. Diamond Director – generate $250,000 in downline investment volume
  6. Senior Vice President – generate $500,000 in downline investment volume
  7. Regional Director – generate $1,000,000 in downline investment volume
  8. Strategic Leader – generate $2,500,000 in downline investment volume
  9. Master Distributor – generate $5,000,000 in downline investment volume
  10. Chief Strategist – generate $10,000,000 in downline investment volume

Referral Commissions

MaoPay 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.

MaoPay caps payable unilevel team levels at twenty.

Referral commissions are paid as a percentage of initial cryptocurrency investments across these twenty levels as follows:

  • level 1 (personally recruited promoters) – 7% of 100% of the invested amount
  • level 2 – 3% of 90% of the invested amount
  • level 3 – 2% of 90% of the invested amount
  • level 4 – 2% of 80% of the invested amount
  • levels 5 and 6 – 1% of 80% of the invested amount
  • levels 7 to 10 – 1% of 70% of the invested amount
  • levels 11 to 15 – 1% of 60% of the invested amount
  • levels 16 to 20 – 1% of 50% of the invested amount

Residual Commissions

Using the same unilevel team, MaoPay pays reduced commission rates on subsequent investments:

  • levels 1 and 2 – 3%
  • levels 3 and 4 – 2%
  • levels 5 to 7 – 1%

Rank Achievement Bonus

MaoPay rewards promoters for qualifying at Associate Partner and higher with Rank Achievement Bonuses:

  • qualify at Associate Partner and receive $100
  • qualify at Silver Leader and receive $250
  • qualify at Gold Executive and receive $500
  • qualify at Platinum Strategist and receive $1000
  • qualify at Diamond Director and receive $2500
  • qualify at Senior Vice President and receive $5000
  • qualify at Regional Director and receive $10,000
  • qualify at Strategic Leader and receive $25,000
  • qualify at Master Distributor and receive $50,000
  • qualify at Chief Strategist and receive $100,000

Ambassador Program

MaoPay rewards “Ambassador” qualified promoters with a referral commission bonus.

There are three ranks within the Ambassador Program:

  1. Ambassador – recruit one leader and receive a 1% bonus on downline investment over $10,000, 2% on investment over $25,000 and 3% on investment over $50,000
  2. Country Ambassador – recruit four leaders and receive a 2% bonus on downline investment over $25,000, 4% on investment over $50,000, 6% on investment over $100,000 and 8% on investment over $250,000
  3. Global Ambassador – recruit seven leaders and receive a 5% bonus on downline investment over $50,000, 7% on investment over $100,000, 9% on investment over $250,000, 12% on investment over $500,000 and 15% on investment over $1,000,000

Note MaoPay don’t define what a “leader” is.

Joining MaoPay

MaoPay promoter membership is free.

Full participation in the attached income opportunity requires a minimum $100 investment.

MaoPay solicits investment in various cryptocurrencies.

MaoPay Conclusion

MaoPay represents it generates external revenue via “AI-powered algorithmic solutions and analytics”.

MaoPay fails to provide verifiable evidence it generates external revenue of any kind.

Furthermore, MaoPay’s business model fails the Ponzi logic test.

If MaoPay already engages in AI trading to generate 3% a day, what does it need your money for?

As it stands, the only verifiable source of revenue entering MaoPay is new investment.

Using new investment to pay ROI withdrawals would make MaoPay a Ponzi scheme.

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

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

Math guarantees that when a Ponzi scheme collapses, the majority of participants lose money.