The MMM Returns website brands the opportunity as a “Sergey Mavrodi venture”.

I am Sergey Panteleevich Mavrodi, legal professor and administrator for an [sic] self sustaining owned global social financial revolution system called MMM Returns.

Mavrodi is a convicted felon who first popped up on BehindMLM’s radar in 2015.

Through MMM Global, Mavrodi (right) scammed millions of dollars out of people until the Ponzi scheme collapsed in April, 2016.

Various local chapters of the scam have sprung up and collapsed in China, South Africa, Asia (India), Zimbabwe and Nigeria.

Nigeria was the last “major” MMM Ponzi launch. After collapsing last December the scheme rebooted in January. Existing investors have since been shafted in favor of promising ROI payments on new investment.

Needless to say affiliate recruitment isn’t doing to well, with MMM Returns an attempt to restart yet another iteration of MMM Global.

Read on for a full review of the MMM Returns MLM opportunity.

The MMM Returns Product Line

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

The MMM Returns Compensation Plan

MMM Returns affiliates invest 0.05 to 1 BTC on the promise of a 3% daily ROI for 50 days (150%).

To qualify for the daily ROI payout, MMM Returns affiliates must “accomplish 1 simple daily task”.

The explicit nature of the task is not disclosed, but a marketing slide does refer to it as a “FB task”. This suggests MMM Returns affiliates will be required to spam Facebook daily.

Referral Bonus

MMM Returns pay affiliates 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.

Commissions are paid out as a percentage of funds invested by affiliates in the unilevel team as follows:

  • level 1 (personally recruited affiliates) – 1%
  • level 2 – 0.9%
  • level 3 – 0.8%
  • level 4 – 0.7%
  • level 5 – 0.6%
  • level 6 – 0.5%
  • level 7 – 0.4%
  • level 8 – 0.3%
  • level 9 – 0.2%
  • level 10 onward – 0.1%

Residual Commissions

Residual commissions in MMM Returns are paid out 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.

There is no limit on how deep a binary team can grow. Subsequent levels of the binary team are generated as required, with each new binary level housing twice as many positions as the previous level.

At the end of each day MMM Returns tallies up newly invested bitcoin on both sides of the binary team.

A 5% commission is paid on matched investment, capped at 5 BTC a day.

Matching Bonus

MMM Returns affiliates receive a 0.5% matching bonus on all commissions earned by fifty affiliates upline from them (the affiliate who recruited them, the affiliate who recruited that affiliate and so on).

Joining MMM Returns

MMM Returns affiliate membership is tied to a 0.05 to 1 BTC investment.


It doesn’t take a mathematical genius to figure out that a 130% ROI on top of referral and residual commissions, combined with new investment as the sole source of revenue, isn’t sustainable.

Rather than acknowledge that though, Sergey Mavrodi blames the collapse of MMM Global on “hackers”.

I did not close MMM Global. I wanted to continue it for some more time but hackers created panic and lot of accounts were stolen, so I was forced to shut down MMM Global.


Despite mathematics dictating the majority of participants in a Ponzi scheme lose money, Mavrodi offers up his own “alternative facts”.

Some people curse me, some use bad words.

Remember about 90% (of) participants around the globe have earned through my system and around 10% of participants have not.

I suspect if those percentages are accurate (which they probably aren’t), all Mavrodi has done is flip them to fit his own fictional narrative (ie. upwards of 90% of MMM Global investors lost money).

This fictional narrative continues with MMM Returns, which is essentially a reboot of the same scam.

Having milked investors globally and through various local chapters, one would think people might have wised up to Mavrodi’s playbook.

Whether that’s the case remains to be seen, with MMM Returns currently in its infancy stages.

What will likely fuel early growth are investors who lost money in various MMM branded schemes, desperate to make their money back.

For his part, Mavrodi capitalizes on these losses and plays the role of the ever-present benefactor.

I operated MMM Global for 5 years successfully; now MMM Returns will be for next ten years vision 2030; I promise you mark my words.

The reality is that, no more so than he could in all the other MMM branded scams, Sergey Mavrodi cannot beat basic mathematics.

Once again he himself will be the primary recipient of invested funds. Early investors will steal funds from those they convince to join and when MMM Returns inevitably collapses (well before 2030), once again the majority will be out of pocket.

How many more times does this scenario have to play out before people accept Mavrodi is no different to any of the other Ponzi admins out there?