Someone has gone to a fair bit of effort in the presentation of Moni Finex’s management team.

Moni Finex is part of MoniFinex Global, which is supposedly headed up by owner and CEO Moni Micha.

Moni Micha is played by this guy:

I say played because prior to Moni Finex launching earlier this year, Moni Micha didn’t exist.

Which is strange, when you consider MonFinex Global claims Micha

received an offer as an advisor which continued for 10 forex trading companies in a row, those are at the top in the market even now.

For clarity, here’s when MoniFinex’s Global’s associated websites were created:

  • Moni Micha bio site – September 27th, 2018
  • MoniFinex Global – March 22nd, 2019
  • Moni Finex – September 27th, 2018
  • MoniFinex Forex – May 20th, 2019
  • MoniFinex Coin – March 22nd, 2019

All the MoniFinex Global domains are registered privately.

What stands out in particular is the fact that that the Moni Finex domain was registered prior to Moni Global.

The original intent was obviously to launch Moni Finex. At some point whoever is behind Moni Finex decided to create a bunch of companies, all under the MoniFinex Global umbrella.

Moni Micha’s accent is distinctly eastern European, which coincides with the claim he was born in the Ukraine.

At the time of publication Alexa pegs Thailand (37%) and the US (28%) as top sources of traffic to the Moni Finex website.

In their marketing material, Moni Finex provide four certificates of incorporation; Seychelles the Commonwealth of Dominica, the UK and Delaware in the US.

We can write off the first three as they are scam-friendly jurisdictions with little to no regulation.

I ran a search for “monifinex” on Delaware’s Divisions of Corporations website, and nothing came up.

The Deleware certificate provided in Moni Finex’s marketing material appears to be bogus.

Looks like we’ve got another dodgy Russian/Ukrainian company scamming people halfway across the world.

Read on for a full review of the Moni Finex MLM opportunity.

Moni Finex Products

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

Moni Finex’s Compensation Plan

Moni Finex affiliates invest funds on the promise of an advertised ROI.

  • Silver Package – invest $100 to $9999 and receive a 1.5% daily return for 200 days (300%)
  • Gold Package – invest $10,000 to $49,999 and receive a 1.75% daily return for 200 days (350%)
  • Platinum Package – invest $50,000 or more and receive a 2% daily return for 200 days (400%)

A 10% recruitment commission is paid on funds invested by personally recruited affiliates.

Residual Commissions

Moni Finex 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 day Moni Finex tallies up new investment volume on both sides of the binary team.

Affiliates are paid a 10% residual commission on matched funds.

Note that Moni Finex cap residual commissions based on how much an affiliate has invested:

  • Silver Package affiliates can earn up to $2500 a day
  • Gold Package affiliates can earn up to $5000 a day
  • Platinum Package affiliates can earn up to $50,000 a day

Joining Moni Finex

Moni Finex affiliate membership is tied to a minimum $100 investment.

The more an affiliate invests the higher their income potential via Moni Finex’s compensation plan.


Moni Finex claims to run a

one of its kind blockchain and cryptocurrency based Index Fund Services’ Marketplace driven by hypergrowth technologies like Artificial Intelligence and Machine-Learning.

Uh huh.

The reality of Moni Finex’s claim is that there’s no evidence to support it.

An example of such evidence would be disclosures made as part of legally required regulatory filings.

Without such, the only verifiable source of revenue entering Moni Finex Global is new investment.

Furthermore Moni Finex’s business model fails the Ponzi logic test.

If “Moni Micha” and friends were able to legitimately generate returns of up to 2% a day, they’d do it quietly and soon be among the richest people on the planet.

Whoring out the golden goose for as little as $100 a pop makes no sense.

Having pillaged investors in Thailand, Moni Finex now appears to have set its sights on the US.

To that end the company uploaded a video titled “Moni Finex New USA Headquarters” a week ago.

According to the YouTube description, the video depicts “Moni Finex(‘s) new headquarter [sic] in the United States”.


Update March 30th 2020 – As at the time of this update, the referenced Moni Finex video previously embedded here has been removed from YouTube. /end update


No idea if the video was actually shot in the US but quite obviously once again Moni Finex are using actors.

And not very convincing ones at that.

The actor they’ve got playing Moni Finex’s Director in the video has been named “Marcos Bryan”.

Like Moni Finex, Bryan doesn’t exist outside of Moni Finex’s marketing material.

A bunch of executive names are given on Moni Finex’s website. None of these individuals as represented by Moni Finex exist either.

In their compensation plan material, Moni Finex readily admits its offering an investment opportunity:

Our Investment Packages

We offer a diverse portfolio of investment options to easily fit into your budget sections accordingly.

The passive nature of Moni Finex’s investment opportunity qualifies it as a securities offering.

In the US securities offering are regulated by the SEC.

Neither Moni Finex, MoniFinex Global, Moni Finex (the actor) or Marcos Bryan are registered with the SEC.

This means that, regardless of everything else, Moni Finex are operating illegally in the US.

Moni Finex also provides no indication it has registered with Thailand’s SEC either.

Moni Finex appears to have been given a ten month or so shelf-life.

The company began promoting itself on YouTube on January 1st, 2019.

As I write this MoniFinex Coin, MoniFinex Forex, MoniFinex Mining and MoniFinex Coin have messages on their respective websites advising an October 1st launch date.

Based on those company names, cryptocurrency mining and forex scams have yet to launch.

They, along with Moni Finex, will be tied to MoniFinex Coin, through which MoniFinex Global’s exit-scam will be executed through.

In other words, the usual MLM crypto rubbish.

As with all MLM Ponzi schemes, once affiliate recruitment slows down so too will new investment.

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

The math behind Ponzi schemes like Moni Finex guarantees that when they collapse, the majority of participants lose money.