U.Center fails to provide ownership or executive information on its website.

U.Center’s website domain (“u.center”), was privately registered on March 12th, 2026.

In the footer of it’s website, U.Center refers to itself as “the Learning Home of the U-TOPIA Ecosystem”.

U-topia operates from the domain “u-topia.com”, first registered in 1999. The private registration was last updated on April 28th, 2026.

U-topia is headed up by co-founders Emmanuel Quezada (CEO) and Owen Man Cheong Ma (CRO).

Per their social media profiles, Quezada and Ma are based out of Dubai and Singapore respectively.

A business profile on Tracxn additionally cites Jeremy Mahieu and Nicolas Prevost as U-topia founders.

Mahieu is also based in Dubai and still cites himself as a U-topia “partner” on social media. Nicolas Prevost is based out of France and appears to have moved on around February 2025.

Originally from Mexico, prior to U-topia Emmanuel Quezada was working as a model in Australia.

In late 2021, Quezada launched U-topia as a metaverse grift:

Somewhere along the way U-topia launched a “pay to play” crypto game NFT grift…

…which was attached to u-coin.

By early 2025 Quezada had transitioned from “we’re going to the moon” to an AI children’s education grift:

The whole scheme seems to have imploded later in 2025. The current U.Center reboot was launched in or around March 2026.

This ties into the March 12th registration of U.Center’s domain.

Owen Man Cheong Ma is a bit of a shadowy figure. As U.topia’s Chief Revenue Officer, it’s assumed Ma handles the money side of the business.

Due to the proliferation of scams and failure to enforce securities fraud regulation, BehindMLM ranks Dubai as the MLM crime capital of the world.

BehindMLM’s guidelines for Dubai are:

  1. If someone lives in Dubai and approaches you about an MLM opportunity, they’re trying to scam you.
  2. If an MLM company is based out of or represents it has ties to Dubai, it’s a scam.

If you want to know specifically how this applies to U.Center and by extension U-topia, read on for a full review.

U.Center’s Products

U.Center has no retailable products or services.

Promoters are only able to market U.Center promoter membership itself.

U.Center’s Compensation Plan

U.Center promoters invest in a “shareholder program” for between $100 to $2500.

  • invest $100 and receive 76.9 U.Center virtual shares
  • invest $250 and receive 201.9 U.Center virtual shares
  • invest $500 and receive 415.3 U.Center virtual shares
  • invest $1000 and receive 869.2 U.Center virtual shares
  • invest $2500 and receive 1925 U.Center virtual shares

Investing in U.Center virtual shares is done on the promise of “lifetime dividends”.

The MLM side of U.Center pays on recruitment of promoter investors.

U.Center Promoter Ranks

There are twenty promoter ranks within U.Center’s compensation plan.

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

  1. F1 – sign up as a U.Center promoter
  2. F2 – generate $1000 in downline investment volume
  3. F3 – generate $2000 in downline investment volume
  4. F4 – generate $4000 in downline investment volume
  5. F5 – generate $8000 in downline investment volume
  6. F6 – generate $16,000 in downline investment volume
  7. F7 – generate $32,000 in downline investment volume
  8. F8 – generate $64,000 in downline investment volume
  9. F9 – generate $128,000 in downline investment volume
  10. F10 – generate $256,000 in downline investment volume
  11. F11 – generate $512,000 in downline investment volume
  12. F12 – generate $1,000,000 in downline investment volume
  13. F13 – generate $2,000,000 in downline investment volume
  14. F14 – generate $4,000,000 in downline investment volume
  15. F15 – generate $8,000,000 in downline investment volume
  16. F16 – generate $16,000,000 in downline investment volume
  17. F17 – generate $32,000,000 in downline investment volume
  18. F18 – generate $64,000,000 in downline investment volume
  19. F19 – generate $128,000,000 in downline investment volume
  20. F20 – generate $256,000,000 in downline investment volume

Referral Commissions

U.Center promoters earn referral commissions via 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.

U.Center caps payable unilevel team levels at five.

Referral commissions are paid as a percentage of funds invested across these five levels based on rank:

  • F1 ranked promoters earn 10% on level 1 (personally recruited promoters)
  • F2 ranked promoters earn 10% on level 1 and 5% on level 2
  • F3 ranked promoters earn 10% on level 1, 5% on level 2 and 2.5% on level 3
  • F4 ranked promoters earn 10% on level 1, 5% on level 2, 2.5% on level 3 and 1.25% on level 4
  • F5 ranked promoters and higher earn 10% on level 1, 5% on level 2, 2.5% on level 3, 1.25% on level 4 and 0.625% on level 5

Deep Ripple Bonus

The Deep Ripple Bonus pays an additional 1% on invested funds across ranks F6 to F11.

Once a referral commission has been paid out, U.Center looks further up the unilevel team for the first F6 ranked promoter. That promoter receives a 1% Deep Ripple Bonus on the invested amount.

U.Center then starts a new search for the first F7 ranked promoter. That promoter also receives a 1% Deep Ripple Bonus. In this manner five 1% Deep Ripple Bonuses are paid to F6 to F11 ranked promoters on each referral commission paid out.

Share Match Bonus

U.Center rewards recruiting promoters with a match on shares invested down three levels of recruitment:

  • level 1 – 1% match
  • level 2 – 3% match
  • level 3 – 6% match

Note these levels are the same unilevel team levels used to pay referral commissions.

Leadership Bonus

U.Center’s Leadership Bonus isn’t entirely clear, or at least I wasn’t able to make full sense of it based on official compensation documentation I had to access outside of U.Center itself (compensation plan details are hidden from consumers).

Here’s the official Leadership Bonus description;

Three groups of three ranks each (G1/G2/G3) – 0.3%/0.6%/0.9% per group. Pays top-down – highest super-leaders first.

The Leadership Bonus is paid to ranks F12 to F20. I think there’s three groups at each rank, paying 0.3% to 0.9% on their generated investment volume.

I’d assume an F13 ranked promoter, for example, would only receive the Leadership Bonus on F12 and F13 groups in their downline.

I’m not 100% sure on what “highest super-leaders first” getting paid means. Maybe U.Center screws lower-ranked promoters out of commissions somehow.

Joining U.Center

U.Center promoter membership starts at $25.

Full participation in the attached income opportunity requires a $100 to $2500 investment in U.Center virtual shares.

U.Center Conclusion

With U.Center’s original metaverse, NFT shitcoin and “educating children on AI” ruses failing, Emmanuel Quezada and the gang have rebooted with a finance theme.

The long and the short of it is U.Center’s fourth reboot sees it committing banking and securities fraud.

U.Center’s finance reboot sees U-topia pitch itself as a bank:

The problem with this is neither U.Center or U-topia are registered to offer banking services in any jurisdiction. Any provided banking services is done so illegally.

U.Center and U-topia marketing makes a big deal about its Visa network cards:

This is nothing new for MLM finance scams. The typical route is registering one or more inconspicuously named shell companies in dodgy jurisdictions. These shell companies are then signed up with a dodgy merchant, who gives the scam access to, in this instance, VISA’s network.

If I had to guess this is probably where Owen Man Cheong Ma out in Singapore comes in.

Everything then works, until it doesn’t.

VISA’s internal systems detect suspicious activity. They put pressure on the merchant, who eventually cuts off the scam. Cue “we grew to big for our processor” excuses while said scam scrambles to find a replacement.

More organized scammers will set up their own dodgy merchant, but this costs money and takes time and effort.

Once a forensic fingerprint is established, reboots are usually shut down pretty quick and the scam, cut off from financial networks, collapses.

Legally speaking we’re looking at banking/finance fraud and potential money laundering charges.

With respect to securities fraud, Through its U.Center opportunity U-topia is soliciting investment in virtual shares.

Having failed to register its share offering in any jurisdiction, U-topia pitching consumers on virtual U.Center shares is outright illegal in and of itself.

The promise of “lifetime dividends” confirms a passive returns investment opportunity (see Howey Test), making the MLM side of U.Center a securities offering.

Neither U-topia, U.Center or any of its executives are registered to offer securities in any jurisdiction.

Potential charges with respect to the U.Center virtual shares are securities fraud, wire fraud and money laundering.

I should note here that, with nothing marketed or sold to retail customers, U.Center’s MLM opportunity is a pyramid scheme. That’ll be additional fraud charges.

MLM companies committing securities fraud typically goes hand-in-hand with Ponzi schemes. In U-Center this would see it paying “lifetime dividends” with invested funds.

According to U.Center’s website, “lifetime dividends” are “starting in October 2026”. So as of yet it’s too early to make a call.

I am noting U-topia’s website mentions “yield opportunities”, which is crypto bro speak for Ponzi schemes. Don’t have any details on that yet so again, can’t make a definitive call.

One last note – while Dubai is typically a safe haven for these types of fraud, in May 2026 Emmanuel Quezada jumped ship for Thailand:

This is most certainly due to the current US/Iran situation in the middle-east. Thailand is a pretty established “second home” for eastern European scammers, raising the question of their potential involvement in U.Center and U-topia.

I’m having a hard time believing a former Mexican model from Australia has set this all up on his own, but I digress.

All said and done; U.Center and U-topia finance, banking and securities law violations are verifiable (just ask for registration evidence and audited filings), and that’s reason enough to stay well away.