Numiv Coin provide no information on their website about who owns or runs the business.

The Numiv Coin website domain (“”) was privately registered on October 8th, 2017.

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.

Numiv Coin Products

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

The Numiv Coin Compensation Plan

Numiv Coin affiliates purchase pre-generated NUM points from the company’s anonymous owners.

Numiv Coin sell NUM points to affiliates for 80 cents to $1 each.

Once acquired, NUM points are “lent” back to Numiv Coin on the promise of an advertised 90 day ROI:

  • invest $120 to $1050 and receive a daily variable ROI
  • invest $1051 to $5050 and receive a daily variable ROI plus 0.15% daily bonus
  • invest $5051 to $10,050 and receive a daily variable ROI plus 0.25% daily bonus
  • invest $10,051 to $50,000 and receive a daily variable ROI plus 0.3% daily bonus

Numiv Coin cap the total ROI paid out each month at 40%.

Numiv Coin pay a direct 7% commission on funds invested

Referral Commissions

Numiv Coin pay referral commissions via a 3×9 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.

Numiv Coin cap payable unilevel levels at nine, with referral commissions paid out as a percentage of funds invested across these nine levels:

  • level 1 (personally recruited affiliates) – 7%
  • levels 2 to 9 – 5%

Joining Numiv Coin

Numiv Coin affiliate membership is free, however free affiliates can only earn referral commissions.

Full participation in the Numiv Coin MLM opportunity requires a minimum $120 investment.


Numiv Coin appear to be perfectly aware they’re operating illegally, as the company provides the following disclaimer at the beginning of their whitepaper;

Numiv coin will not be intended to constitute securities in any jurisdiction.

Scroll down a bit and you can see Numiv Coin clearly spell out their lending investment opportunity as a security:

A classic example of MLM pseudo-compliance. It doesn’t fool regulators and it shouldn’t fool you.

Whereas other lending platforms at least pretend to have an external ROI revenue source, Numiv Coin provide none.

The only money flowing into the company is new affiliate investment, which the company uses to pay existing affiliates a 40% monthly ROI.

On top of that direct and residual commissions on invested funds add an additional pyramid layer to the scheme.

Lending ICO Ponzis like Numiv Coin play out as follows:

Admins (who are typically anonymous) offload worthless pre-generated points in exchange for real money. In this case it’s NUM points.

The admins then use some of this money to pay promised ROIs for as long as new affiliates sign up.

Once affiliate recruitment dries up so does the ROI reserve.

When a predetermined threshold is reached, the anonymous Numiv Coin admins pull a runner with what’s left.

Early Numiv Coin investors make a bit of money (mostly via recruitment of new investors). But same as any other Ponzi scheme, the reality of such scams is that the majority of participants eventually lose money.

A good case study in the collapse of an ICO lending Ponzi scheme is BitConnect.

Launched in early 2017, a year later BitConnect’s admins did a runner and the public value of otherwise worthless BCC points crashed.

Ultimately Numiv Coin’s NUM points will go the same route.