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

The PolyNetwork website domain (“polynetwork.org”) was privately registered on October 2nd, 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.

PolyNetwork Products

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

The PolyNetwork Compensation Plan

PolyNetwork affiliates acquire AI points from the company’s anonymous owners.

AI points are sold to PolyNetwork affiliates for $1 to $1.60.

Once acquired, AI points are then “lent” back to PolyNetwork on the promise of an advertised 120 day ROI, capped at 45% a month.

  • invest $100 to $9999 and receive a daily variable ROI
  • invest $10,000 to $24,999 and receive a daily variable ROI plus 0.083% bonus daily ROI
  • invest $25,000 to $49,999 and receive a daily variable ROI plus 0.108% bonus daily ROI
  • invest $50,000 to $100,000 and receive a daily variable ROI plus 0.133% bonus daily ROI

PolyNetwork claim the daily variable ROI rate will “fluctuate from 0.5% to 2%”.

Referral Commissions

Referral commissions are available on funds invested by recruited PolyNetwork affiliates, paid down three levels of recruitment (unilevel):

  • level 1 (personally recruited affiliates) – 8%
  • level 2 – 2%
  • level 3 – 1%

Residual Commissions

PolyNetwork pay 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 week PolyNetwork tally up new investment volume on both sides of the binary team.

An affiliate is paid a percentage of matched volume, based on how much they’ve convinced others to invest:

  • less than $10,000 in downline investment volume = 3% residual commission rate
  • $10,000 to $99,000 downline investment volume = 5% residual commission rate
  • $100,000 or more downline investment volume = 8% residual commission rate

Note that unmatched volume on the stronger binary side is rolled over the following week.

Binary commissions are capped for each Poly Network affiliate at $28,000 a week.

Leadership Rewards

PolyNetwork reward affiliates for convincing others to invest with one-time bonuses achieved at certain milestones.

  • Platinum ($200,000 in total downline investment volume with at least $100,000 from one personally recruited affiliate’s downline) = $2000 bonus
  • Sapphire ($500,000 in total downline investment volume and at least one personally recruited Platinum affiliate) = $5000 bonus
  • Ruby ($1,000,000 in total downline investment volume and at least two personally recruited Sapphire affiliates) = $10,000 bonus
  • Diamond ($5,000,000 in total downline investment volume and at least one personally recruited Ruby affiliate) = $50,000 bonus
  • Ambassador ($10,000,000 in total downline investment volume and at least two personally recruited Diamond affiliates) = $100,000 bonus

Joining PolyNetwork

PolyNetwork affiliate membership is free, however free affiliates can only earn referral and residual commissions.

Full participation in the PolyNetwork MLM opportunity requires a minimum $100 investment.


There’s a lot of fluff about AI on the PolyNetwork website, like this:

The intent of AI is to create an alternative protocol for building decentralized applications, providing a different set of tradeoffs that we believe will be very useful for a large class of decentralized applications, with particular emphasis on situations where rapid development time, security for small and rarely used applications, and the ability of different applications to very efficiently interact, are important.

Unfortunately none of it has anything to do with PolyNetwork, which operates as just another ICO lending Ponzi scheme.

Tellingly, PolyNetwork declares lending scams a “hot trend” and compares itself to the First Coin and BitConnect Ponzi schemes:

PolyNetwork offer affiliates who invest in AI points a monthly ROI of up to 45%. The company also pays referral and residual commissions, both tied to the recruitment of new affiliates.

With no external ROI revenue source, PolyNetwork is simply shuffling around newly invested funds to pay off existing investors.

This is Ponzi fraud and is illegal the world over.

Lending ICO Ponzis like PolyNetwork play out as follows:

Admins (who are typically anonymous) offload worthless pre-generated points in exchange for real money. In this case it’s AI 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 PolyNetwork admins pull a runner with what’s left.

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

This can be readily observed via the recent collapse of BitConnect.

Following BitConnect’s collapse, BCC points which were artificially valued at over $400 at one point have crashed down to around $10.

By deploying the same fraudulent business model, PolyNetwork guarantees its investors losses in the long-run.


Update 14th March 2018 – As expected, the PolyNetwork Ponzi scheme has collapsed.

Investors have reported withdrawal problems over the past month. Those able to withdraw have had withdrawals blocked in the past week.

PolyAI’s ethereum wallet(s) have been cleaned out in the past 24 hours and the company’s social media profiles have been deleted.

Another “it’s on the blockchain so it can’t be a scam” scam has gone bust. #RIP