Closed

[Chareal]

Closed

[Charles-Tim]

So basically this is a Ponzi or Pyramidal scheme?

What are you offering? With all what you have posted, I am convinced that your offer on this forum is a Ponzi scheme. Or in short, to be more clear, this is a pyramidal scheme where you will use someone's money to pay another person, and later the scheme fold up as it is not sustainable.

Is that it?

Edit:
I have given you a negative feedback, you can go to reputation board for appeal. Create a topic there for it.

[alani123]

What generated revenue other than user deposits?

What makes you apart from a pyramid scheme?

[Charles-Tim]

What generated revenue other than user deposits?

What makes you apart from a pyramid scheme?

In short, this is a Pyramidal Scheme, people's money will be used to pay other people profit until the whole scheme collapsed which I have posted above. The best that people can do is to just avoid this user and its service if they do not want to be gotten scammed. If people can be stupid to fall for a Ponzi scheme, they should be able to know a pyramidal scheme and avoid it.

[alani123]

What generated revenue other than user deposits?

What makes you apart from a pyramid scheme?

In short, this is a Pyramidal Scheme, people's money will be used to pay other people profit until the whole scheme collapsed which I have posted above. The best that people can do is to just avoid this user and its service if they do not want to be gotten scammed. If people can be stupid to fall for a Ponzi scheme, they should be able to know a pyramidal scheme and avoid it.

Yeah they could have said something more clear when I gave them a chance to answer.
Maybe at least say we plan to integrate advertising. It's a make-believe plan but at least it could have been considered part of revenue.

All I see as a revenue stream here is user deposits. 

[Baseplate]

Merit Finance is structured so that only activated (paid) members enter the matrix, which ensures the system flows smoothly and sustainably. Members earn through referral bonuses, tier milestones, and matrix cycle rewards. This is different from other platforms where unpaid users can destabilize the system.

So like Bitconnect essentially, they functioned similarly to you....

[alani123]

What generated revenue other than user deposits?

What makes you apart from a pyramid scheme?

In short, this is a Pyramidal Scheme, people's money will be used to pay other people profit until the whole scheme collapsed which I have posted above. The best that people can do is to just avoid this user and its service if they do not want to be gotten scammed. If people can be stupid to fall for a Ponzi scheme, they should be able to know a pyramidal scheme and avoid it.

Yeah they could have said something more clear when I gave them a chance to answer.
Maybe at least say we plan to integrate advertising. It's a make-believe plan but at least it could have been considered part of revenue.

All I see as a revenue stream here is user deposits. 

You’re right to point that out — and I appreciate you being direct about it.

At the current stage, the system is primarily driven by user participation (activations), so I understand why it looks like that from the outside.

The reason we didn’t include things like advertising or other external revenue streams is because we prefer to present what is already structured, rather than listing ideas that are not yet implemented.

That said, the long-term direction is not to rely solely on deposits. Additional revenue layers — such as platform-based promotions, partnerships, or other internal activities are part of the expansion plan as the system grows.

So your observation is valid for the current stage, but it’s not intended to be the final structure.

Writing your responses with the use of an LLM just to post on a forum isn't a good sign. Just saying.
Is your app also vibe coded? 😁

[Charles-Tim]

Merit Finance is all about what you do, the activity you put in, like activating, participating in the matrix, and completing tasks that’s what drives earnings. So at the end of the day, it’s the system and your actions that matter, not how the explanation was written.

Yes, you are right about your scam and we can actually understand what you meant but trying to let you explain yourself very well so that we can know if what you are actually talking about is true or not, but you let us know that it is a pyramidal scheme and you are not even hiding it at all. All I can just say is that people should stay away from your offer. Pyramidal scheme is a scam in one way or the other.

[Baseplate]

I understand why you drew the comparison to Bitconnect. Matrix-based systems in crypto often raise that concern.

One key difference with Merit Finance is that it is an activity-driven platform. Earnings are directly tied to what a member does: activating Level 1, participating in the matrix, completing tasks, and claiming engagement rewards. In other words, you earn based on your activity, not just by being placed in the system.

Another important difference is how inactive or uninterested users are handled. Unlike most matrix platforms, users are not automatically placed into the matrix upon registration. Only members who activate Level 1 are added, which keeps the matrix flowing and prevents blockages that often frustrate other platforms’ users.

Combined with structured engagement rewards, this system is designed to maintain a healthy flow, encourage active participation, and create a fairer environment for all members.

Of course, as with any platform, it’s important for users to understand the mechanics fully and participate according to their own risk assessment.

You're not making me confident in your system when you rely on AI to write your responses to us...

[Don Pedro Dinero]

But the thing is, Merit Finance isn’t like those classic pyramid schemes. You only earn by actually doing stuff — activating your account, filling your matrix, completing tasks, staying active.

Fixed that for you, yeah, it looks totally like a pyramid scheme. In classic pyramid schemes, people are also actively involved in various activities, including recruiting new unsuspecting victims to expand the base of the pyramid. They don’t just sit on the sofa waiting for money to fall into their laps.

I totally agree with Charles-Tim on this one.