ZiNRAi fails to provide ownership or executive information on its website.

While ZiNRAi’s website does have a “leadership” section, it has been disabled:

Further research reveals marketing spam hitting the internet about a month ago, naming Jason Brown as ZinRAi’s founder:

The reason ZiNRAi hides Brown’s ownership from consumers is likely due to his Iyovia fraud settlement with the FTC last month.

In May 2025 the FTC filed suit against Iyovia, fka IM Mastery Academy and iMarketsLive, alleging $1.2 billion in fraud.

In addition to being a promoter, Jason Brown was Vice President of Field Operations.

Along with business partner Matthew Rosa, had significant enough roles to warrant the FTC naming them as Iyovia defendants.

Brown has made deceptive earnings claims in selling IML’s Trading Training Services and Business Venture.

As an IML vice president and close advisor of Chris Terry, Brown is aware of deceptive earnings claims made routinely by other
salespeople and instructors.

[Brown] hired a third party to post fake positive reviews about IML under a pseudonym.

[Brown] has directed IML’s compliance consultant to find ways to disable the social media accounts of individuals who have criticized IML’s practices online.

And [Brown] has advised top salespeople at IML on how to post deceptive earnings claims online in ways that will evade law enforcement.

Through their company Global Dynasty Network, the FTC alleged Brown and Rosa defrauded consumers out of more than $33 million.

Brown and Rosa jointly settled the FTC’s case against them for $36 million on August 7th.

I wasn’t able to find anything linking Rosa to ZiNRAi, so it appears Brown has struck out on his own.

ZiNRAi provides a corporate address in Bonita Springs, Florida on its website.

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.

ZiNRAi’s Products

ZiNRAi sells membership access to “financial literacy” courses

As above, ZiNRAi’s course topics include forex, cryptocurrency, digital marketing and e-commerce.

No details about who is behind ZiNRAi’s courses or presenting them is provided.

Access to ZiNRAi’s courses retails at $199.95 and then either $184.95 every 28 days for an “all access” plan, or $249.95 every 28 days for “VIP access”.

ZiNRAi don’t disclose the difference between the $184.95 “all access” and $249.95 “VIP access” ongoing memberships on its website.

An offsite ZiNRAi FAQ states:

Both memberships provide access to the full ZiNRAi experience. The VIP package includes a travel benefit or exclusive bonus offer, while the All Access package does not.

There is no indication on ZiNRAi’s website whether the “VIP access” package includes a “travel benefit” or “exclusive bonus offer”.

ZiNRAi’s Compensation Plan

ZiNRAi’s compensation plan pays on the sale of ZiNRAi course memberships to retail customers and recruited promoters.

ZiNRAi Promoter Ranks

There are twelve promoter ranks within ZiNRAi’s compensation plan.

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

  • Core 600 – personally refer and maintain 4 active downline membership sales and maintain 12 active membership sales across the binary team
  • Core 1250 – maintain 4 active membership sales and maintain 40 active downline membership sales across the binary team
  • Core 2500 – personally refer and maintain 6 active membership sales and maintain 110 active membership sales across the binary team
  • Core 5000 – maintain 6 active membership sales and maintain 240 active downline membership sales across the binary team
  • Crown 10 – personally refer and maintain 8 active membership sales and maintain 500 active membership sales across the binary team
  • Crown 15 – personally refer and maintain 10 active membership sales and maintain 880 active downline membership sales across the binary team
  • Crown 25 – maintain 10 active membership sales and maintain 1250 active downline membership sales across the binary team
  • Crown 50 – personally refer and maintain 14 active membership sales and maintain 2500 active downline membership sales across the binary team
  • Legend 100 – personally refer and maintain 16 active membership sales and maintain 10,000 active downline membership sales across the binary team
  • Legend 200 – maintain 16 active membership sales and maintain 10,000 active downline membership sales across the binary team
  • Legend 400 – maintain 16 active membership sales and maintain 22,000 active downline membership sales across the binary team
  • Legend 700 – personally refer and maintain 20 active membership sales and maintain 44,000 active downline membership sales across the binary team

Note that personally referred memberships and downline membership sales must be split evenly across the binary team. For details on the binary team, refer to “Residual Commissions” below.

Also note that for personally referred memberships, 50% of required memberships must be retail customer memberships.

Bearing in mind the price the ongoing $184.95 “all access” and $249.95 “VIP access” membership fees, 55% of total fee volume generated by a ZINRAi promoter must be retail membership volume.

Residual Commissions

ZiNRAi pays residual commissions via a binary compensation structure.

A binary compensation structure places a promoter 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 promoters. Note there is no limit to how deep a binary team can grow.

Residual commissions are tied to rank:

  • Core 600s earn $150 a week
  • Core 1250s earn $312.50 a week
  • Core 2500s earn $625 a week
  • Core 5000s earn $1250 a week
  • Crown 10s earn $2500 a week
  • Crown 15s earn $3750 a week
  • Crown 25s earn $6250 a week
  • Crown 50s earn $12,500 a week
  • Legend 100s earn $25,000 a week
  • Legend 200s earn $50,000 a week
  • Legend 400s earn $100,000 a week
  • Legend 700s earn $175,000 a week

Joining ZiNRAi

ZiNRAi promoter membership is $24.99 a month.

ZiNRAi Conclusion

If we’re evaluating ZiNRAi strictly as an MLM opportunity, it’s actually pretty decent. Simple compensation plan, required retail customers and 55% of personal volume must be retail.

If ZiNRAi’s promoters don’t generate significant retail sales volume, they don’t get paid. This rules out ZiNRAi operating as a pyramid scheme.

The problem for Jason Brown is he was a key player in an MLM company that defrauded consumers out of $1.2 billion.

In settling Iyovia, IM Mastery Academy and iMarketsLive fraud charges with the FTC, Brown agreed to specific terms – quite a few of which he is already violating with ZinRAi.

First? The obvious: Jason Brown’s name isn’t anywhere on ZiNRAi’s website. That Brown owns and runs ZinRAi is simply not disclosed to consumers.

As part of his FTC settlement, Brown is subject to three years of “order acknowledgement”.

For 3 years after entry of this Order, Jason Brown and Matthew Rosa, for any business that such Settling Defendant, individually or collectively with any other Settling Defendants, is the majority owner or controls directly or indirectly, and Global Dynasty Network, LLC, must deliver and/or reasonably attempt to deliver a copy of this Order to:

(1) all principals, officers, directors, and LLC managers and members;

(2) all employees having managerial responsibilities for conduct related to the subject matter of the Order and all agents and representatives who participate in conduct related to the subject matter of the Order; and

(3) any business entity resulting from any change in structure as set forth in the Section titled Compliance Reporting.

What’s key here is point two, specifically “all agents and representatives who participate in conduct related to the subject matter of the Order”.

There is significant overlap between Iyovia’s courses and ZiNRAi’s courses. Such that it’s pretty obvious ZiNRAi is Brown’s take on Iyovia and IM Mastery Academy and iMarketsLive before it.

At time of publication, there is no disclosure on ZiNRAi’s website regarding Brown’s Iyovia FTC settlement.

Having to disclose your $36 million settlement with the FTC for fraud is obviously not good for business, but that doesn’t excuse Brown from his FTC settlement obligations.

Brown is also required to disclose ownership of ZiNRAi to the FTC as part of ongoing compliance reporting for ten years (ending 2035).

No idea if that’s happened given Brown can’t even bring himself to disclose ownership of ZiNRAi on the company’s website.

Other potential problems for ZiNRAi exist by way of it violating the FTC Act in the exact same way the FTC alleged Iyovia, IM Mastery Academy and iMarketsLive did.

As previously noted, ZiNRAi fails to disclose who’s behind their courses. Within the context of the FTC’s Iyovia lawsuit;

Defendants have asserted that the “core value” of IML’s Trading Training Services is in the GoLIVE sessions, led by IML instructors.

Many of these instructors, however, lack any formal investment training, instead obtaining their “training” from IML or by watching videos on YouTube.

Moreover, many of the instructors do not possess securities industry licenses or accreditation. And, contrary to Defendants’ marketing claims, many of the instructors lack real-world trading experience and success.

Are ZiNRAi’s courses put together by people who watched a few YouTube videos and are now posing as eDuCaToRs? Do ZiNRAi’s eDuCaToRs have securities industry licenses or accreditation?

No idea because ZiNRAi hides that information from consumers.

Yesterday ZiNRAi announced its ZiNRAideas app was available on the Apple App Store:

I didn’t know what ZiNRAideas was because there’s no mention of ZiNRAideas on ZiNRAi’s website. The only reference you’ll find to ZiNRAideas is buried in ZinRAI’s website privacy policy and terms of use PDFs;

This policy describes the types of information we may collect from you or that you may provide when you visit the websites, zinrai.com, zinraielevate.ai, Zinraiq.com, ZiNRAideas.com, www.quadrex.live, www.coinheist.live and any other Zinrai sites on which you are viewing this Privacy Policy, (collectively referred to in this Privacy Policy as the “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

Turns out there’s more than just one ZiNRAi spinoff that’s not disclosed on ZiNRAi’s primary website – we’ll circle back to those in a minute.

A visit to ZiNRAi’s ZiNRAideas website… doesn’t reveal much:

A visit to ZiNRAideas on the Apple App Store reveals ZiNRAideas provides app users with forex and crypto trading signals, which they can copy and paste into a trading account.

Ah, I can see why Brown might not want to be upfront about ZiNRAideas on ZinRAi’s website.

  • is whoever is behind ZiNRAi’s trading signals have securities industry licenses or accreditation?
  • did Jason Brown disclose his Iyovia FTC settlement with the Apple Store as per his settlement terms?

The answers to these questions is again hidden from consumers. What we do know is neither ZiNRAi or Jason Brown are registered with the CFTC (FINRA).

As to ZiNRAi’s other associated websites:

  • zinraielevate.ai – “launching soon” parked website page, possibly already abandoned

  • zinraiq.com – “personalized trading dashboard”, assuming this is a trading platform ZiNRAIdeas signals are supposed to fed into

The “quadrex.live” and “coinheist.live” website domains are currently both disabled.

Has Jason Brown disclosed ZiNRAideas, ZiNRAielevate, ZiNRAiq, Quadrex and CoinHeist to the FTC as part of his compliance reporting requirements? No idea.

Simply put, there’s more than enough red flags with ZiNRAi for an easy avoid recommendation.

I suspect the only people in ZiNRAi at the moment are from Brown’s Iyovia, IM Mastery Academy and iMarketsLive downline. This itself is problematic as Brown is prohibited from using his Iyovia, IM Mastery Academy and iMarketsLive information for any purpose.

After the FTC filed suit, it took owners Chris and Terry Isis all of three weeks to come to terms with Iyovia not being viable without fraud. Iyovia collapsed on May 22nd, twenty-one days after the FTC filed suit.

In an ideal world Jason Brown discloses his ownership of ZiNRAi and his $36 million FTC fraud settlement. That alone should be enough to keep most honest consumers away.

If not, consider everything else detailed in this review before deciding whether to sign up.

Given the close proximity of ZiNRAi to Iyovia, IM Mastery Academy and iMarketsLive, you’ll probably find people in ZinRAi’s who’ll wax lyrical about how great their time under Brown in these companies was.

These aren’t the people who collectively lost $1.2 billion dollars. They’re the ones who made money defrauding consumers, and through ZiNRAi they’re looking to do it again.

ZiNRAi does have retail volume qualifiers in place but personally given how deeply Brown was involved in Iyovia’s fraud, dating back to iMarketsLive, I’d be steering well-clear.

At the very least go watch some YouTube videos. It’s not like you’re going to be any worse off than ZinRAi’s purported educators.