The Affluence Network website names Troy R J Hogg (aka Troy James or TJ) as owner of the company.

The Affluence Network has existed in one format or another since 2010, however the latest incarnation of the business was only launched in early 2017.

Prior to launching The Affluence Network, Hogg founded the GC Money Tree pyramid scheme. Under the guise of selling carbon credit certificates, GC Money Tree affiliates paid a fee and received commissions for recruiting others who did the same.

Read on for a full review of The Affluence Network MLM opportunity.

The Affluence Network Products

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

The Affluence Network affiliate membership provides access to internet marketing tools, courses and a PLR product library.

The Affluence Network affiliates are also given “crypto tokens”.

These tokens are very different than any other token or cryptocurrency available globally as they are backed by physical bullion or other top level cryptocurrencies.

The company claims crypto tokens are ‘exchangeable or saleable on over 7 Cryptocurrency Exchanges‘, however no specific details are provided.

The Affluence Network Compensation Plan

The Affluence Network compensation plan pays affiliates when they recruit new affiliates.

The compensation plan is broken down into separate plans for each The Affluence Network affiliate membership level.

Note that all commissions paid out by The Affluence Network are done so in bitcoin. The company also charges a 10% “processing fee” on all payable commissions.


Recruitment commissions at the Bronze affiliate membership level are paid out via a binary compensation structure.

To qualify for commissions, a Bronze The Affluence Network affiliate must recruit at least two other Bronze affiliates.

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 that there is no limit to how deep a binary team can grow.

Commissions are paid per affiliate recruited into the binary team, at a rate of $10 per month per affiliate placed on the smaller side.

Binary commissions are capped at $2500 a month, with a new position generated once an affiliate hits this cap.

Each new binary position must be maintained via payment of an additional $97 monthly fee.

Silver, Gold, Platinum and Diamond

Silver, Gold and Diamond commissions are paid out via a 2-up model and are paid out when binary commission qualified Bronze ranked affiliates “upgrade” to Silver.

Each Bronze affiliate who upgrades generates a commission for the affiliate who recruited them.

The 2-up model sees the third, fifth and seventh commission generated passed up to the first immediate upline affiliate.

In turn, affiliates placed below (commission earning positions) must also pass up their third, fifth and seventh generated commissions.

In addition to paying the Silver membership fee, a The Affluence Network affiliate qualifies for Silver commissions when two of their personally recruited binary commission qualified Bronze affiliates also pay the Silver membership fee.

At the Silver level, $73.50 is paid out each month. The same amount passed up if the commission generated is a passed-up sale.

To qualify for commissions at the Gold level, the Gold membership fee must be paid as well as three personally recruited Silver qualified affiliates also upgrading.

At the Gold level, $98.50 is paid out each month. The same amount is passed up if the commission generated is a passed-up sale.

To qualify for commissions at the Platinum level, the Platinum membership fee must be paid as well as three Gold qualified affiliates also upgrading.

At the Platinum level, $123.50 is paid out each month. The same amount is passed up if the commission generated is a passed-up sale.

To qualify for commissions at the Diamond level, the Diamond membership fee must be paid as well as three Platinum affiliates also upgrading.

At the Diamond level, $148.50 is paid out each month. The same amount is passed up if the commission generated is a passed-up sale.

Joining The Affluence Network

Full The Affluence Network affiliate membership requires five separate fee payments each month:

  • Bronze – $97 a month
  • Silver – $147 a month
  • Gold – $197 a month
  • Platinum – $247 a month
  • Diamond – $297 a month


From what I gather, The Affluence Network’s crypto tokens are basically points the company attaches to purchased cryptocurrency.

The Affluence Network affiliates have no control over what a crypto token is tied to, but can exchange the token for a represented dollar value through the company.

I can’t see a legitimate public cryptocurrency exchange accepting “crypto tokens” (which are worthless in and of themselves), so all that’s probably happening is a regular cryptocurrency exchange on the backend.

Why does any of this matter?

Because The Affluence Network market their crypto tokens as an investment opportunity.

The Affluence Network has not one, but eight of our own Crypto Currencies.

Although there are several uses for the tokens coming available within TAN, they are a better store of worth because their value will grow with every passing day.

At the time of publication Alexa estimate that 80% of traffic to The Affluence Network website originates out of the US.

The Affluence Network does not appear on the SEC’s Edgar database, meaning the company is potentially offering an unregistered security.

On top of that, The Affluence Network’s compensation plan is entirely focused on pyramid recruitment.

Nothing is marketed to or sold to retail customers, with 100% of commission revenue generated via affiliate recruitment and payment of affiliate fees.

The pass-up commission structure primarily benefits early created positions. Early created positions in a pass-up model receive the majority of pass-ups company wide.

The earliest created position in a pass-up plan is that which belongs to the admin.

You can independently verify this by visiting The Affluence Network without an affiliate referral code, which will default you to the admin account. If you then click “join now”, the affiliate name attached to the admin account is revealed to be “Troy James”.

As with all pyramid schemes, once affiliate recruitment dries up so too will commission payouts.

Can I get a refund?

No. All purchases are non-refundable. All sales are final.

At that point the majority of The Affluence Network affiliates realize they’re not recovering their monthly membership fees, resulting in widespread losses.