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

The Secular Coin website domain (“”) was privately registered on December 12th, 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.

Secular Coin Products

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

The Secular Coin Compensation Plan

Secular Coin affiliates acquire SECU points from the company’s owners.

SECU points are sold to affiliates for 60 cents to $1 each.

Once acquired, SECU points are “lent” back to Secular Coin on the promise of an advertised ROI of up to 48% a month.

  • invest $100 to $1000 and receive a monthly ROI for 180 days
  • invest $1001 to $5000 and receive a monthly ROI plus 0.15% bonus daily ROI for 150 days
  • invest $5001 to $10,000 and receive a monthly ROI plus 0.25% bonus daily ROI for 120 days
  • invest $10,001 to $100,000 and receive a monthly ROI plus 0.3% bonus daily ROI for 90 days

Referral Commissions

Secular Coin pay referral commissions via a unilevel compensation structure.

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

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

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

Secular Coin cap payable unilevel levels at ten, with commissions paid out as a percentage of invested funds across these ten levels:

  • level 1 (personally recruited affiliates) – 7%
  • level 2 – 3%
  • levels 3 and 4 – 1%
  • level 5 – 0.5%
  • level 6 – 0.3%
  • level 7 – 0.2%
  • levels 8 to 10 – 0.1%

Residual Commissions

Secular Coin pay residual commissions out 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 day Secular Coin tally up new investment volume on both sides of the binary team.

  • if matched investment volume equals $100,000 or less, a 3% residual commission is paid out
  • if matched investment volume equals more than $100,000, a 3% residual commission is paid out

Matched volume is flushed once paid out, with leftover volume on the stronger binary side carried over.

Joining Secular Coin

Secular Coin affiliate membership is free, however free affiliates can only earn referral commissions.

Full participation in the Secular Coin MLM opportunity requires a minimum $100 investment in SECU points.


“Secular Coin” certainly struck me as a peculiar name for an altcoin.

I mean do we really need a cryptocurrency that markets itself on being non-religious?

Is religious alignment an unspoken problem in the cryptocurrency community Secular Coin hopes to remedy?

As amusing as that would be, sadly no.

Instead the naming of Secular Coin appears to be a mistake attributable to the admin’s poor grasp of the English language.

On the Secular Coin website the admin claims “secular means forever”.

I don’t know what dictionary was used, but this definition doesn’t appear on any list I was able to find.

The closest was the economic definition of ” a fluctuation or trend) occurring or persisting over an indefinitely long period”, but that’s a far cry from claiming a synonymous relationship with “forever”.

The poorly named altcoin isn’t the only casualty of the admin’s attempts at English either.

The Secular Coin whitepaper is riddled with gems like this:

Our vision is to build up the long-lasting community that helping the members to creat the fortune way, gain fortune and grow fortune.

Yeah, that’s verbatim.

Other than a complete butchering of the English language, Secular Coin presents as yet another entry into the ICO lending Ponzi niche.

The only explanation offered for external ROI revenue was a vague reference to the “magic power of the cryptocurrency revolution”.


The only verifiable source of revenue entering Secular Coin is newly invested funds.

Using newly invested funds to pay existing affiliates a daily ROI makes Secular Coin a Ponzi scheme.

Lending ICO Ponzis like Secular Coin play out as follows:

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

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