A visit to Roy Club’s website reveals the site default loads in Russian.

Switching the site language to English reveals Roy Club fails to provide business ownership information.

Roy Club’s website domain (“roy.club”) was initially registered in March 2019. The private registration was last updated in January 2020.

In addition to Roy Club’s website loading up in Russian, other signs that point to Roy Club being run from Russia include:

  • a list of Roy Club “curators”, the overwhelming majority of which are based in Russia;
  • Roy Club’s social media profiles are all in Russian; and
  • Alexa ranking Russia as the primary source of traffic to Roy Club’s website (73%)

Despite all signs pointing to Roy Club being a Russian company run by Russians, a corporate address in Belarus is provided on Roy Club’s website.

Supposedly some guy going by Pavel Taranenko runs Roy Club’s Belarus office.

Roy Club are prolific on their YouTube channel, having uploaded hundreds of videos since the channel was created in 2014 (probably a renamed or purchased account).

Note that the location of Roy Club’s YouTube channel is Russia.

One of the earliest videos uploaded to Roy Club’s YouTube channel features Alexey Muratov:


Update 3rd February 2022 – Roy Club has deleted the video referenced above from their YouTube channel.

I did have the video linked but consequently have disabled the link. /end update


Muratov is behind the Prizm Ponzi scheme. He is a former MMM Global scammer.

Prizm launched in 2017. Roy Club launching in 2019 appears to be an attempt to reboot investment into the Ponzi scheme.

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.

Roy Club’s Products

Roy Club has no retailable products or services.

Roy Club affiliates are only able to market Roy Club affiliate membership itself.

Roy Club’s Compensation Plan

Roy Club solicits investment in cryptocurrency on the promise of “up to 40% a month”.

Roy Club solicits investment in UMI and Prizm (PZM).

(40% a month)

A 10% investment fee is charged on each Roy Club investment. Roy Club uses this 10% fee to fund its MLM opportunity.

The MLM side of Roy Club pays on investment by recruited affiliates.

Roy Club Affiliate Ranks

There are nine affiliate ranks within Roy Club’s compensation plan.

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

  • Member – sign as a Roy Club affiliate and invest 20 UMI or 100 PZM, maintain either 18 UMI or 90 PZM in Roy Club
  • Bronze – invest 100 UMI or 1000 PZM, maintain either 90 UMI or 900 PZM in Roy Club
  • Silver – invest 300 UMI or 3000 PZM, maintain either 270 UMI or 2700 PZM in Roy Club
  • Golden – invest 1500 UMI or 15,000 PZM, maintain either 1350 UMI or 13,500 PZM in Roy Club
  • Ruby – invest 5000 UMI or 50,000 PZM, maintain either 4500 UMI or 45,00 PZM in Roy Club
  • Sapphire – invest 10,000 UMI or 100,000 PZM, maintain either 9000 UMI or 90,000 PZM in Roy Club
  • Emerald – invest 25,000 UMI or 250,000 PZM, maintain either 22,500 UMI or 225,000 PZM in Roy Club
  • Diamond – invest 50,000 UMI or 500,000 PZM, maintain either 45,000 UMI or 450,000 PZM in Roy Club
  • Guru – invest 100,000 UMI or 1,000,000 PZM, maintain either 90,000 UMI or 900,000 PZM in Roy Club

Referral Commissions

Roy Club pays referral commissions via a 6×8 matrix.

A 6×8 matrix places an affiliate at the top of a matrix, with six positions directly under them.

These six positions form the first level of the matrix. The second level of the matrix is generated by splitting these six positions into another six positions each (36 positions).

Levels three to eight of the matrix are generated in the same manner, with each new level housing six times as many positions as the previous level.

Positions in the matrix are filled via direct and indirect recruitment of Roy Club affiliates.

A 5% residual commission is paid on funds invested across the matrix.

How many matrix levels a Roy Club affiliate earns referral commissions on is determined by rank:

  • Bronze ranked affiliates earn referral commissions on one matrix level
  • Silver ranked affiliates earn referral commissions on two matrix levels
  • Golden ranked affiliates earn referral commissions on three matrix levels
  • Ruby ranked affiliates earn referral commissions on four matrix levels
  • Sapphire ranked affiliates earn referral commissions five matrix levels
  • Emerald ranked affiliates earn referral commissions on six matrix levels
  • Diamond ranked affiliates earn referral commissions on seven matrix levels
  • Guru ranked affiliates earn referral commissions on eight matrix levels

Joining Roy Club

Roy Club affiliate membership appears to be free.

Full participation in the attached income opportunity requires a minimum 100 UMI or 1000 PZM.

Note that Roy Club charges a 10% fee on whatever amount is invested.

Roy Club Conclusion

Roy Club is your typical MLM Ponzi scheme. Commissions paid on recruitment adds a pyramid scheme on the backend.

Roy Club affiliates invest cryptocurrency, do nothing, get more cryptocurrency and then withdraw previously invested funds.

This is your classic Ponzi scheme.

Paying on investment made by recruited Roy Club investors is a pyramid scheme.

Together these two fraudulent business models make Roy Club a Ponzi/pyramid hybrid.

Roy Club having ties to Prizm and Alexei Muratov should be a big enough red flag in and of itself.

After an initial pump to ~$2.80 in August 2017, PZM dumped and has continued to dump to its current $0.007107 value.

Roy Club recently launching UMI suggests Prizm is on its last legs.

Public trading on UMI on the one dodgy exchange began on July 9th.

Reading between the lines, it appears Roy Club’s PZM Ponzi scheme wasn’t going anywhere, so they launched their own UMI shitcoin.

While Russia makes up the majority of traffic to Roy Club’s website, the second and third largest sources are the Netherlands (15%) and Saudi Arabia (3%) respectively.

This suggests Prizm and Roy Club are expanding out of Russia. If you’re in the Netherlands, Saudi Arabia or anywhere else outside of Russia, your Roy Club investment will transfer straight to Russian PZM and UMI bagholders.

Considering Roy Club’s sketchy factor is through the roof, I’d imagine overall recruitment outside of Russia will be limited.

Then again, the MLM crypto space is filled with some of the dumbest people on the planet.

Either way, the majority of investors in Ponzi schemes like Prizm and Roy Club lose money.

The best way to avoid Ponzi losses is to ignore the bullshit marketing and not invest to begin with.


Update 12th April 2022 – Aleksey Muratov and his various Ponzi schemes have been tied to terrorism in eastern Ukraine.


Update 17th May 2022 – Both the Prizm and Roy Club Ponzi schemes have collapsed.