XAB Club fails to provide ownership or executive details on its website.

In fact as I write this, XAB Club’s website is nothing more than a promoter login form:

For reference, XAB Club’s website domain (“xabclub.com”), was privately registered on November 18th, 2025.

Further research reveals marketing videos dating back to October 2025, naming Rehan Gohar as XAB Club’s co-founder and CEO:

Rehan Gohar meanwhile is a serial MLM crypto Ponzi fraudster.

Rehan Gohar and brother Rizwan Gohar were behind the BizzTrek pyramid scheme, launched back in 2018.

BizzTrek collapsed around mid 2019. This prompted the launch of BizzTrade, a forex themed Ponzi scheme.

BizzTrade collapsed in mid 2020, prompting a reboot with “BizzCoin” and crypto trading.

BizzCoin’s crypto Ponzi collapsed towards the end of 2020. 2021 was mostly spent feeding BizzTrade victims various excuses.

In December 2021 BizzTrade Pro launched. BizzCoin was swapped out for BizzCoin Pro, and the Ponzi scamming continued.

BizzTradePro lasted until April 2022, prompting the Gohar brothers to launch NextGen Academy.

NextGen Academy began to collapse by early 2023, prompting the launch of My Car Club in March 2023.

Following a regulatory enforcement action in Australia tied to money laundering, NextGen and My Car Club collapsed in or around May 2023.

After lying low for some time, Rehan Gohar resurfaced in 2025 with XRP AI Bot.

XRP AI Bot was a typical AI trading bot Ponzi, with the AI trading bots purportedly created by “Jack Muller”, aka “Jan Van Muller”.

A visit to XRP AI Bot website today reveals the Ponzi has collapsed:

Van Muller is back as CEO of XAB Club, making it an effective XRP AI Bot reboot. “XAB” itself is an abbreviation of “XRP AI Bot”.

XAB Club marks Rehan Gohar’s sixth MLM crypto Ponzi launch (technically BizzTrek was just a pyramid 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.

XAB Club’s Products

XAB Club has no retailable products or services.

Promoters are only able to market XAB Club promoter membership itself.

XAB Club’s Compensation Plan

XAB Club promoters invest the cryptocurrency XRP. This is done on hte promise of advertised passive returns:

  • Basic – invest 10 to 499 XRP and receive up to 1% a day
  • Eco – invest 500 to 999 XRP and receive up to 1.05% a day
  • Boost – invest 1000 to 1999 XRP and receive up to 1.1% a day
  • Turbo – invest 2000 to 4999 XRP and receive up to 1.15% a day
  • Hyper – invest 5000 or more XRP and receive up to 1.2% a day

XAB Club caps returns at 300%, or 400% including earned MLM commissions and bonuses. Once either cap is reached, reinvestment is required to continue earning.

Note that XAB Club charges a 10% fee on all withdrawals.

The MLM side of XAB Club pays on recruitment of promoter investors.

XRP AI Bot Promoter Ranks

There are nine promoter ranks within XRP AI Bot’s compensation plan.

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

  • Ambassador 1 – generate 1000 XRP in downline investment volume
  • Ambassador 2 – generate 2500 XRP in downline investment volume
  • Ambassador 5 – generate 5000 XRP in downline investment volume
  • Ambassador 10 – generate 10,000 XRP in downline investment volume
  • Ruby – generate 20,000 XRP in downline investment volume
  • Sapphire – generate 50,000 XRP in downline investment volume
  • Diamond – generate 100,000 XRP in downline investment volume
  • Black Diamond – generate 500,000 XRP in downline investment volume
  • Crown Diamond – generate 1,000,000 XRP in downline investment volume

Referral Commissions

XAB Club pays 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.

XAB Club caps payable unilevel team levels at twenty.

Referral commissions are paid as a percentage of XRP invested across these two levels based on how much a XAB Club promoter themselves has invested:

  • Basic tier promoters earn 8% on level 1 (personally recruited promoters)
  • Eco tier promoters earn 8% on level and 2% on level 2
  • Turbo tier promoters earn 8% on level 1, 2% on level 2, 1% on levels 3 to 6 and 0.5% on levels 7 to 10
  • Hyper tier promoters earn 8% on level 1, 2% on level 2, 1% on levels 3 to 6 and 0.5% on levels 7 to 15
  • Tycoon tier promoters earn 8% on level 1, 2% on level 2, 1% on levels 3 to 6 and 0.5% on levels 7 to 20

Team Bonus

The Team Bonus pays a bonus referral commission on downline investment over a rolling 90-day period.

  • Ambassador 1s receive a 6% Team Bonus
  • Ambassador 2s receive a 7% Team Bonus
  • Ambassador 5s receive an 8% Team Bonus
  • Ambassador 10s receive a 9% Team Bonus
  • Rubys receive a 10% Team Bonus
  • Sapphires receive an 11% Team Bonus
  • Diamonds receive a 12% Team Bonus
  • Black Diamonds receive a 13% Team Bonus
  • Crown Diamonds receive a 15% Team Bonus

Note that in addition to rank qualifying, XAB Club promoters must also personally invest at least 500 XRP to qualify for the Team Bonus.

Joining XAB Club

XAB Club promoter membership is free.

Full participation in the attached income opportunity requires a minimum 10 XRP investment.

XAB Club Conclusion

There’s not much to XAB Club, it’s basically a 1:1 reboot of Rehan Gohar’s collapsed XRP AI Bot Ponzi scheme.

As it stands, the only verifiable source of revenue entering XAB Club is new investment.

Using new investment to pay ROI withdrawals would make XAB Club a Ponzi scheme.

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

This will starve XAB Club of ROI revenue, eventually prompting a collapse.

The math behind Ponzi schemes guarantees that when they collapse, the majority of participants lose money.

To see this in action, look no further than the Gohar brothers’ many previous collapsed Ponzi schemes (take your pick).