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

Mosca’s website domain (“moscaworld.com”), was privately registered on November 3rd, 2024.

Further research reveals four Mosca ringleaders; Greg Baldwin (founder and CEO), Spencer Iverson, Jonathan Green and Derek Brown.

Baldwin appears to be a random crypto bro from Ohio. This corresponds with a rented office suite address in Ohio provided on Mosca’s website.

Baldwin not having a publicly verifiable MLM history is a minor red flag.

Spencer Iverson and Jonathan Green are long-time business partners. Along with Derek Brown, they’re promoting Mosca through “FortuneHub”.

BehindMLM last came across Iverson and Green as co-founders of TRVL in 2021.

TRVL was a typical discounted travel MLM pyramid scheme. Having failed to gain traction, TRVL was sold off to DreamTrips International within a year of launching.

Of note is recent promotion of E1ULife through FortuneHub.

E1ULife is an MLM crypto pyramid turned gifting cycler fronted by David Golden, son of convicted fraudster Dwayne Golden.

Why FortuneHub promoting illegal MLM crypto schemes is noteworthy will become apparent as we get into Mosca’s business model.

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.

Mosca’s Products

Mosca has no retailable products or services.

Affiliates are only able to market Mosca affiliate membership itself.

Mosca’s Compensation Plan

Mosca affiliates pay membership fees. Commissions are paid when others are recruited who do the same.

There is a bit of a discrepancy in how much Mosca affiliates pay. Marketing presentations (Jan/Feb 2025) detail:

  • Basic Membership $145 to join and then $28 a month after roughly 4 weeks
  • Enterprise Membership $445 to join and then $127 a month after roughly 3 weeks (note this is a $28 a month position plus $99 a month position)

Mosca’s website details two membership options:

  • Basic Membership – $225
  • Enterprise Membership – $525

It appears pricing has gone up since Jan/Feb but to keep things simple we’ll go with the presentation figures.

Mosca appears to pay recruitment commissions via a 3×10 matrix.

A 3×10 matrix places an affiliate at the top of a matrix, with three positions directly under them:

These three positions form the first level of the matrix. The second level of the matrix is generated by splitting these first three positions into another three positions each (9 positions).

Levels three to ten of the matrix are generated in the same manner, with each new level housing three times as many positions as the previous level.

Positions in the matrix are filled via direct and indirect recruitment of $28 a month fee-paying affiliates. Commissions are paid per position filled in the matrix.

Note that Mosca doesn’t disclose specific amounts per affiliate recruited, the figures below are calculated based on dollar amounts presented in Mosca marketing presentations.

Basic Membership

  • level 1 (3 positions) – $10.60 per position filled
  • level 2 (9 positions) – $4.20 per position filled
  • level 3 (27 positions) – $2.62 per position filled
  • level 4 (81 positions) – $2.12 per position filled
  • level 5 (243 positions) – $1.95 per position filled
  • level 6 (729 positions) – $1.90 per position filled
  • level 7 (2187 positions) – $1.25 per position filled
  • level 8 (6561 positions) – $1.04 per position filled
  • level 9 (19,683 positions) – 97 cents per position filled
  • level 10 (59,049 positions) – $2.19 per position filled

Enterprise Membership

  • level 1 (3 positions) – $49.66 per position filled
  • level 2 (9 positions) – $19.22 per position filled
  • level 3 (27 positions) – $12.14 per position filled
  • level 4 (81 positions) – $9.79 per position filled
  • level 5 (243 positions) – $9.01 per position filled
  • level 6 (729 positions) – $8.75 per position filled
  • level 7 (2187 positions) – $5.79 per position filled
  • level 8 (6561 positions) – $4.80 per position filled
  • level 9 (19,683 positions) – $4.47 per position filled
  • level 10 (59,049 positions) – $10.11 per position filled

For both tiers commissions are paid out as long as monthly affiliate fees are paid.

Joining Mosca

Mosca membership is available at two tiers:

  • Basic Membership – $145 (presentations) or $225 (website), and then $28 a month after roughly 4 weeks
  • Enterprise Membership – $445 (presentations) or $525 (website), and then $127 a month after roughly 3 weeks

The more a Mosca affiliate pays in fees the higher their income potential.

Note that all payments within Mosca are made in cryptocurrency.

Mosca Conclusion

Mosca is a simple MLM crypto pyramid scheme. Affiliates sign up, pay a fee and get paid on recruitment of affiliates who also pay fees.

Sitting at the top of the Mosca pyramid is Greg Baldwin and friends who, through preloaded admin positions, receive a cut from thousands of people recruited under them.

Instead of being honest about its illegal business model, Mosca’s marketing dresses it up as “the future of finance”:

Even Mosca’s name, which stands for “Mobius Savings & Credit Association”, is a deception. Mosca is neither a savings or credit association.

It should also be noted that “mobius” is a common term associated with MLM pyramid and gifting fraud schemes. Some examples BehindMLM has reviewed over the years are 50/50 Crowdfunding, UniHelps, Majestic Cares, 3X Funding and 128 BTC.

“Mobius” refers to a Mobius loop, defined as “a surface that can be formed by attaching the ends of a strip of paper together with a half-twist.” In MLM gifting schemes it’s just a buzzword fraudsters use to con their marks.

You’ll often find the “infinity” symbol used as a representation of infinite recruitment (see Mosca’s logo).

As with all MLM pyramid schemes, once affiliate recruitment dries up so too will commissions.

This will see those at the bottom of Mosca’s pyramid scheme stop paying monthly fees. This will in turn see those above them stop getting paid.

Unless new victims are found quickly, these affiliates will also eventually stop paying their monthly fee.

Once enough Mosca affiliates stop paying monthly fees, an irreversible collapse is triggered.

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