Perso Hybrid markets itself as “a different way of doing bank”.

The company website identifies Jocsan Perso as CEO but doesn’t reveal where it is being operated from.

Perusal of Perso HybridBank’s official Facebook page reveals the company is based out of Sinaloa, Mexico.

According to Jocsan Perso’s corporate bio, he

has been a full-time trader since 2004 in major international markets and a binational leader in the world’s largest Marketing Network.

He has sold more than 30 million dollars in products and has had personal gains of over 500 thousand dollars.

In actuality, Perso (right) has a criminal history in crystal meth trafficking.

Perso’s actual name is Jocsan Octavio Perez Soto. “Perso” appears to be a portmanteau of Perez and Soto.

In 2013 Tijuana’s State Preventative Police busted Perso with 3.4 kg of crystal meth.

Once the agents were stationed in the perimeter of action, police intervention took place, during which a policeman observed at first sight that a plastic container was located on the passenger seat, which today it is known that it contained a white and granulated substance that apparently is a synthetic drug known as “crystal”.

While the vehicle that was in the driver’s seat descended from the vehicle, who said to be called Jocsan Octavio Pérez Soto, 30 years old, originally from Culiacán, Sinaloa.

The estimated street value of the haul at the time was $82,000.

Sort of puts Perso’s claim of selling “$30 million dollars in products” into perspective hey.

Read on for a full review of the Perso HybridBank MLM opportunity.

Perso HybridBank Products

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

The Perso HybridBank Compensation Plan

Perso HybridBank affiliates invest funds on the promise of an advertised 120 day ROI.

  • invest $240 and receive $400
  • invest $600 and receive $1000
  • invest $1200 and receive $2000
  • invest $2400 and receive $4000
  • invest $6000 and receive $10,000
  • invest $11,800 and receive $20,000
  • invest $23,000 and receive $40,000

Note that any Perso HybridBank ROI or commission withdrawal requests in cryptocurrency attract a 15% fee.

Recruitment Commissions

Perso HybridBank rewards affiliates who recruit by paying them 12% of invested funds.

Residual Commissions

Perso HybridBank 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.

As affiliates are recruited into a binary team, the amounts they invest are tallied up.

Perso HybridBank pays a 10% residual commission on investment volume generated on the weaker side of the binary team.

Note that the frequency of binary payments is not specified, however it is typically daily or weekly.

Leadership Bonuses

Perso HybridBank rewards affiliates for reaching residual commission milestones as follows:

  • earn $500,000 in residual commissions and receive a Kia Soul LX
  • earn $750,000 in residual commissions and receive a Mercedes
  • earn $1,000,000 in residual commissions and receive a Range Rover

Joining Perso HybridBank

Perso HybridBank affiliate membership is tied to a $400 to $23,000 investment.

Perso HybridBank appears to accept both fiat and cryptocurrency.


So a former drug trafficker is busted, *insert lost years here* and decides to reinvent himself as a “full-time trader”.

Yep, just another day in the MLM cryptocurrency niche.

Official Perso HybridBank marketing material states the company has “60 professional traders” trading in forex, cryptocurrency binary options and the stock exchange.

Naturally the company provides no evidence of any trading place, or any form of external revenue generation being used to pay affiliates.

And to really drive home a point, Perso claims he’s been a full-time trader since 2004.

So what was a successful trader doing driving around a 1999 model SUV loaded with crystal meth in 2013?

There is no evidence of any trading taking place or anything but newly invested funds being used to pay existing Perso HybridBank affiliates.

Not withstanding if Jocsan Perso was actually able to legitimately generate a 150%+ ROI every 120 days, he’d be quietly building a fortune.

People able to legitimately create that kind of money aren’t selling access to randoms over the internet for $220.

I also have to point out that Perso is from Sinaloa, home of the notorious Sinaloa Cartel.

The United States Intelligence Community considers the Sinaloa Cartel “the most powerful drug trafficking organization in the world” and in 2011, the Los Angeles Times called it “Mexico’s most powerful organized crime group.”

I wasn’t able to link Jocsan Perso or Perso HybridBank to the cartel, but given his drug trafficking history it’s definitely a possibility.

Best case scenario? You invest in Perso HybridBank and lose your money when it inevitably collapses.

Worst case scenario? You invest in Perso HybridBank and get into business with one the most notorious criminal organizations in the world.

Where do I sign up?