PoolPay$ fails to provide ownership or executive information on its websites.

PoolPay$ operates from two website domains:

  1. poolpays.com – privately registered on September 9th, 2025
  2. poolpays.app – privately registered on an unknown date

Despite only existing for a few months, on its website PoolPay$ falsely claims it

has already moved over $80 million during its pre-launch from 2023 to July 2025.

Of note is PoolPay$’s website defaulting to Portuguese. This suggests whoever is running PoolPay$ is probably fluent in Portuguese.

One name we can tie to PoolPay$ is Thiago Malcher, author of PoolPay$’s official marketing presentation:

I wasn’t able to find anything further on Malcher with respect to PoolPay$. Thiago however is a common Portuguese name.

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.

PoolPay$’s Products

PoolPay$ has no retailable products or services.

Promoters are only able to market PoolPay$ promoter membership itself.

PoolPay$’s Compensation Plan

PoolPay$ promoters invest 10 USDC or more on the promise of a passive return:

  • invest for 1 day and receive 0.5%
  • invest for 5 days and receive 0.6% a day
  • invest for 10 days and receive 0.7% a day
  • invest for 20 days and receive 0.9% a day

The MLM side of PoolPay$ pays on recruitment of promoter investors.

PoolPay$ Promoter Ranks

There are twenty promoter ranks within PoolPay$’s compensation plan.

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

  1. Rank 1 – sign up as a PoolPay$ promoter and invest 100 USDC
  2. Rank 2 – invest 200 USDT and recruit two Rank 1 or higher promoters
  3. Rank 3 – invest 300 USDC and recruit three Rank 1 or higher promoters
  4. Rank 4 – invest 400 USDC and maintain three personally recruited Rank 1 or higher promoters
  5. Rank 5 – invest 500 USDC and maintain three personally recruited Rank 1 or higher promoters
  6. Rank 6 – invest 600 USDC and recruit five Rank 1 or higher promoters
  7. Rank 7 – invest 700 USDC and maintain five personally recruited Rank 1 or higher promoters
  8. Rank 8 – invest 800 USDC and maintain five personally recruited Rank 1 or higher promoters
  9. Rank 9 – invest 900 USDC and maintain five personally recruited Rank 1 or higher promoters
  10. Rank 10 – invest 1000 USDC and maintain five personally recruited Rank 1 or higher promoters
  11. Rank 11 – invest 1100 and recruit seven Rank 1 or higher promoters
  12. Rank 12 – invest 1200 USDC and maintain seven personally recruited Rank 1 or higher promoters
  13. Rank 13 – invest 1300 USDC and maintain seven personally recruited Rank 1 or higher promoters
  14. Rank 14 – invest 1400 USDC and maintain seven personally recruited Rank 1 or higher promoters
  15. Rank 15 – invest 1500 USDC and maintain seven personally recruited Rank 1 or higher promoters
  16. Rank 16 – invest 1600 USDC and recruit ten Rank 1 or higher promoters
  17. Rank 17 – invest 1700 USDC and maintain ten personally recruited Rank 1 or higher promoters
  18. Rank 18 – invest 1800 USDC and maintain ten personally recruited Rank 1 or higher promoters
  19. Rank 19 – invest 1900 USDC and maintain ten personally recruited Rank 1 or higher promoters
  20. Rank 20 – invest 2000 USDC and maintain ten personally recruited Rank 1 or higher promoters

While not explicitly clarified, I believe required investment amounts must be active in order to qualify toward rank promotion.

ROI Match

PoolPay$ pays a ROI Match through 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.

PoolPay$ caps payable unilevel team levels at twenty.

The ROI Match is paid as a percentage of the daily return paid across these twenty levels based on rank:

  • Rank 1 promoters earn a 20% match on level 1 (personally recruited promoters)
  • Rank 2 promoters earn a 20% match on level 1 and 8% on level 2
  • Rank 3 promoters earn a 20% match on level 1, 8% on level 2 and 3% on level 3
  • Rank 4 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on level 4
  • Rank 5 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 and 5
  • Rank 6 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 6
  • Rank 7 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 7
  • Rank 8 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 8
  • Rank 9 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 9
  • Rank 10 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 10
  • Rank 11 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 11
  • Rank 12 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 12
  • Rank 13 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 13
  • Rank 14 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 14
  • Rank 15 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 15
  • Rank 16 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 16
  • Rank 17 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3 and 2% on levels 4 to 17
  • Rank 18 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3, 2% on levels 4 to 17 and 3% on level 18
  • Rank 19 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3, 2% on levels 4 to 17, 3% on level 18 and 5% on level 19
  • Rank 20 promoters earn a 20% match on level 1, 8% on level 2, 3% on level 3, 2% on levels 4 to 17, 3% on level 18, 5% on level 19 and 8% on level 20

Joining PoolPay$

PoolPay$ promoter membership is free.

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

PoolPay$ Conclusion

PoolPay$ represents it generates external revenue through gaming operations:

PoolPay$ doesn’t provide any evidence of registration with a gaming authority, so it’s assumed the represented gaming operations are unlicensed.

Also not provided is verifiable evidence PoolPay$ generates external revenue of any kind, gaming or otherwise.

PoolPay$’s business model also fails the Ponzi logic test. If PoolPay$ is already generating external revenue from purported gaming activity, what does it need your money for?

As it stands the only revenue entering PoolPay$ is new investment.

Using new investment to pay ROI withdrawals would make PoolPay$ a Ponzi scheme.

Additionally, with nothing marketed or sold to retail customers, the MLM side of PoolPay$ operates as a pyramid scheme.

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

This will starve PoolPay$ of ROI revenue, eventually prompting a collapse.

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