Polar Tensor fails to provide ownership or executive information on its website.

Instead of providing this crucial due-diligence information, Polar Tensor provides purported shell company details for the US, Poland, Nigeria, Panama and Hong Kong.

Due to the ease with which scammers are able to incorporate shell companies with bogus details, for the purpose of MLM due-diligence shell company registration in any jurisdiction is meaningless.

Polar Tensor operates from two known website domains:

  1. polar-tensor.com – privately registered on April 28th, 2025
  2. polar-tensor-marketing.com – privately registered on March 5th, 2026

Polar Tensor’s marketing suggests the company launched in or around November 2025.

Said marketing reveals Polar Tensor crediting “Felix Bick” as its founder:

Felix Bick of course doesn’t exist outside of Polar Tensor and curated social media accounts.

The Felix Bick FaceBook account, for example, was purchased/created on or around April 2025, the same month Polar Tensor’s primary website domain was registered.

We can confirm this by noting the profile has been curated since April 8th, 2025. Posts created before this date were also created in April 2025 but are backdated:

 

Update 21st March 2026 – Polar Tensor’s “Felix Bick” appears to be an AI creation.

In the “German accent” marketing video linked below, Bick is in front of a green screen. The AI filter appears to struggle rendering the imposed face on either side of Bick’s mouth as well his neck:

The right side of Bick’s face (when viewed from the camera) also appears to glitch out. Bick appears to have a double ear and the edge of the AI face filter doesn’t fully cover the actor’s full facial area.

It’s unclear whether the German accent is also AI. Polar Tensor marketing videos featuring Bick’s voice in Spanish, Italian, Russian and Croatian.

Another name we can attach to Polar Tensor is US resident Bob Bearden:

Bearden hosted a Polar Tensor “founder call” on February 17th, 2026.

Bearden is known to BehindMLM as a TSS Golden Team Leader in the NovaTech FX Ponzi scheme.

NovaTech FX collapsed in February 2023. The SEC filed suit against NovaTech FX co-founders in August 2024. NovaTech FX investor losses have been pegged at over $640 million.

Bearden reemerged in early 2024 as a “partner” in the Defi Synergy Ponzi scheme. Defi Synergy collapsed in March 2024.

After Defi Synergy Bearden resurfaced a few months later with Fun Saver Network:

Evidently Fun Saver Network didn’t work out and now Bearden has resurfaced again with Polar Tensor. /end update

 

Of note is a FaceBook link on one of Polar Tensor’s websites natively setting German locale and language (de_DE):

This suggests whoever is actually running Polar Tensor has ties to Germany. It also syncs with the actor playing Felix Bick having a German accent.

As of February 2026, SimilarWeb was tracking ~63,000 monthly visits to Polar Tensor’s primary website domain.

Top sources of Polar Tensor website traffic over the same period were Germany (69%) and the US (31%).

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.

Polar Tensor’s Products

Polar Tensor has no retailable products or services.

Promoter are only able to market Polar Tensor promoter membership itself.

Polar Tensor’s Compensation Plan

Polar Tensor promoters invest the cryptocurrency tether (USDT).

This is done on the promise of a weekly variable passive return.

Note Polar Tensor charges a 10% investment fee and a 50% to 30% weekly ROI fee:

  • Starter – invest 100 USDT or more and be hit with a 10% investment fee and 50% weekly ROI fee
  • Basic – invest 500 USDT or more and be hit with a 10% investment fee and 40% weekly ROI fee
  • Advanced – invest 2000 USDT or more and be hit with a 10% investment fee and 35% weekly ROI fee
  • Professional – invest 8000 USDT or more and be hit with a 10% investment fee and 30% weekly ROI fee
  • Elite – invest 25,000 USDT or more and be hit with a 10% investment fee and 25% weekly ROI fee
  • Enterprise – invest 100,000 USDT or more and be hit with a 10% investment fee and 20% weekly ROI fee

Polar Tensor also charges a 10% withdraw fee if a promoter withdraws their investment within 12 months. This drops to 5% after 12 months. Investment withdrawals made after 24 months don’t have a fee.

The MLM side of Polar Tensor pays on recruitment of promoter investors.

Tensor Polar Promoter Ranks

There are ten promoter ranks within Tensor Polar’s compensation plan.

Along with their respective qualification criteria, they are as follows:

  1. Iron – generate 100 USDT in downline investment
  2. Bronze – generate 500 USDT in downline investment (max 50% GV from any one recruitment leg)
  3. Silver – generate 2500 USDT in downline investment (max 50% GV from any one recruitment leg)
  4. Gold – generate 8000 USDT in downline investment (max 50% GV from any one recruitment leg)
  5. Platinum – generate 25,000 USDT in downline investment (max 40% GV from any one recruitment leg)
  6. Titanium – generate 100,000 USDT in downline investment (max 40% GV from any one recruitment leg)
  7. Sapphire – generate 300,000 USDT in downline investment (max 25% GV from any one recruitment leg)
  8. Ruby – generate 1,000,000 USDT in downline investment (max 25% GV from any one recruitment leg)
  9. Emerald – generate 3,000,000 USDT in downline investment (max 20% GV from any one recruitment leg)
  10. Diamond – generate 8,000,000 USDT in downline investment (max 20% GV from any one recruitment leg)

Referral Commissions

Polar Tensor pays referral commissions via a unilevel compensation structure.

A unilevel compensation structure places a promoter at the top of a unilevel team, with every personally recruited promoter placed directly under them (level 1):

If any level 1 promoters recruit new promoters, they are placed on level 2 of the original promoter’s unilevel team.

If any level 2 promoters recruit new promoters, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

Polar Tensor caps payable unilevel team levels at fifteen.

Referral commissions are paid as a percentage of the 10% investment fee charged to recruited promoters across these fifteen levels as follows:

  • level 1 (personally recruited promoters) – 20%
  • level 2 – 15%
  • level 3 – 10%
  • level 4 – 5%
  • level 5 – 4%
  • levels 6 and 7 – 3%
  • levels 8 to 10 – 2%
  • levels 11 to 13 – 1%
  • levels 14 and 15 – 0.5%

Note beyond level 1 Polar Tensor promoters must recruit to qualify for additional levels. Recruit one promoter investor to qualify for referral commissions on level 2, recruit two promoter investors to qualify for referral commissions on level 3 and so on.

Recruited promoter investors must have invested at least 100 USDT to qualify towards referral commission level qualification.

ROI Match

Polar Tensor pays a ROI match via the same unilevel compensation structure used to pay referral commissions (see above).

Whereas referral commissions are capped at fifteen unilevel team levels, Polar Tensor caps the ROI Match at ten unilevel team levels:

  • level 1 – 10% match
  • level 2 – 5% match
  • level 3 – 4% match
  • level 4 – 3% match
  • levels 5 and 6 – 2% match
  • levels 7 to 10 – 1% match

Note as with referral commissions, recruitment is required to qualify for the ROI Match.

To qualify for the level 1 ROI Match, one promoter investor must be recruited. To qualify for the level 2 ROI Match, two promoter investors must be recruited.

As with referral commissions, recruited promoter investors must invest at least 100 USDT to count towards qualification.

Infinity Reward

The Infinity Reward is paid as a percentage of the 10% investment fee Polar Tensor charges all promoters.

  • Gold ranked promoters earn a 5% Infinity Bonus
  • Platinum ranked promoters earn a 7.5% Infinity Bonus
  • Titanium ranked promoters earn a 10% Infinity Bonus
  • Sapphire ranked promoters earn a 12.5% Infinity Bonus
  • Ruby ranked promoters earn a 15% Infinity Bonus
  • Emerald ranked promoters earn a 17.5% Infinity Bonus
  • Diamond ranked promoters earn a 20% Infinity Bonus

Note the Infinity Bonus is coded, 20% of all 10% investment fees is always paid out. This allows higher ranked Polar Tensor promoters to earn the difference between their Infinity Bonus rate and that of lower ranked promoters in their downline.

Joining Polar Tensor

Polar Tensor promoter membership is free.

Full participation in the attached income opportunity requires a minimum 100 USDT investment.

Polar Tensor Conclusion

Polar Tensor is a typical MLM crypto Ponzi, albeit with a bit more effort put into deception.

On its websites, Polar Tensor provides a purported KPMG audit, SEC filing and three legal opinions. Below we break down each of Polar Tensor’s deceptions point by point.

Polar Tensor’s KPMG audit is meaningless for two primary reasons;

Firstly the purported audit is “based on the information provided by the company”. It can be summarized as “you represented claims to us and we confirmed you represented those claims to us”.

Secondly, having not been filed with financial regulators in any jurisdictions, the audit is utterly meaningless (more on that in a bit).

Second point, Polar Tensor’s SEC filing.

On September 9th, 2025, as a Panama shell company, Polar Tensor filed a Form D with the SEC. The Form D is a “Notice of Exempt Offering of Securities”.

With this filing Polar Tensor at least acknowledges its passive returns investment scheme is a securities offering – it is certainly not exempt from US federal securities law.

To determine whether a company is offering a security, the SEC analyzes whether or not an investment contract exists. To determine whether an investment contract exists, the SEC relies on the Howey Test.

For purposes of the Securities Act, an investment contract (undefined by the Act) means a contract, transaction, or scheme whereby a person invests his money in a common enterprise and is led to expect profits solely from the efforts of the promoter or a third party,

In Polar Tensor we have consumers investing 100 USDT or more (an investment of money) into Polar Tensor (a common enterprise), on the promise of a weekly passive return (expectation of profits), purportedly generated via an AI trading bot (the efforts of the promoter).

Having established Polar Tensor’s passive returns investment scheme is an investment contract and thus a securities offering, we can confirm it is not exempt from federal securities regulation in the US.

Polar Tensor’s passive weekly returns investment requires it to register with the SEC and file periodic audited financial reports.

Polar Tensor is not registered with the SEC. Nor is Polar Tensor’s purported KPMG audit, which also doesn’t audit Polar Tensor’s financial claims, filed with the SEC.

This is bonafide verifiable securities fraud.

Furthermore, Polar Tensor’s choice to commit securities fraud leaves consumers unable to verify the company’s financial representations. Namely that external profits are being generated via purported AI trading bot activity.

We provide AI-powered automated trading execution technology for cryptocurrency markets. Our platform offers access to predefined, non-discretionary spot trading strategies powered by our proprietary Polar One AI system.

Unaudited marketing claims on social media are not a substitute for audited financial reports filed periodically with the SEC.

Outside of the US, website traffic analysis from SimilarWeb clearly indicates Polar Tensor is active in Germany. Polar Tensor fails to provide evidence it has registered its passive returns investment scheme with BaFin. This is another instance of securities fraud.

Indeed, having failed to register with financial regulators in any jurisdiction, Polar Tensor commits securities fraud in every jurisdiction it solicits investment in.

Moving onto Polar Tensor’s three provided legal opinions.

Polar Tensor’s first legal opinion is purportedly

prepared and reviewed by lawyer Mihhail Šerle (employee of Gofaizen & Sherle OÜ, a company incorporated in Estonia registry code: 16295888), who has an LL.M at Tallinn University (Republic of Estonia).

Like Polar Tensor’s audit, it is meaningless because it is “based on received documents, information and publicly available sources (incl.
Republic of Panama legislation)”.

Polar Tensor’s first legal opinion does not address Polar Tensor committing verifiable securities fraud (in Panama or elsewhere).

Polar Tensor’s second legal opinion is purportedly authored by Brittany Peck, a Missouri Bar registered attorney working for The Legal Agency LLC.

The legal opinion is meaningless for two primary reasons. Firstly Peck’s opinion is “based on the information and the Business Model Description provided by the Client.”

To illustrate just how little work Peck did in putting together her Polar Tensor legal opinion, here’s the part where the Howey Test is referenced;

Based on the Client’s described business model, clients do not invest capital into a common enterprise operated by the Client.

As per Polar Tensor’s business model, that’s a straight out fabrication that Peck failed to independently verify.

Peck goes on to waffle about “the client does not guarantee profits” – but guaranteeing profits is not part of the Howey Test. Only the expectation of profits has to be satisfied.

And this prong is easily satisfied by Polar Tensor’s own marketing;

Had Peck of spent five seconds actually verifying representations made to her, Polar Tensor’s evident securities fraud would be obvious.

Polar Tensor’s third legal opinion was put together by “Łukasz Foligowski, attorney at law (radca prawny), practising in Poland”.

The opinion pertains to Fieres Limited SP ZOO, Polar Tensor’s purported Polish shell company.

Foligowski’s opinion does not analyze Polar Tensor’s passive returns investment opportunity is therefore meaningless.

It should be noted that Poland’s national securities regulator is the Polish Financial Supervision Authority (UKNF). Polar Tensor makes no representation it has registered its securities offering with UKNF.

As it stands, the only verifiable source of revenue entering Polar Tensor is new investment.

Using new investment to pay ROI withdrawals would make Polar Tensor a Ponzi scheme. Additionally, with nothing marketed or sold to retail customers, the MLM side of Polar Tensor operates as a pyramid scheme.

As with all MLM Ponzi schemes, once Polar Tensor promoter recruitment dries up so too will new investment.

This will starve Polar Tensor of ROI revenue, eventually prompting a collapse.

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