You have to pay fees to unlock Level 2 referrals and so on.
Well,that's not exactly how zarfund works.I got to know the following from one of their members who was trying to convince me to join but I didn't for obvious reasons.
It starts with 0.03... that's like the minimum investment you start with.
After getting 2 referrals, you earn 0.06.
After which you spend 0.05 to upgrade to level 2.. And from Level 2... you collect more commissions..your level increases to 3 after paying some more.Gets bigger until the day site decides to turn into a scam.All this while,your coins are in their wallet,they literally have nothing to lose.Stay away.