Method & math
Two things make us list an entry. Everything else is context, and we try to say plainly which of the two we are looking at.
Test 1 — a guaranteed return is promised
Investment returns cannot be promised, because a return is the compensation for a risk that has already been taken. When the promise is explicit — “guaranteed”, “risk-free”, “no loss”, “capital protected”, “you cannot lose” — the proposition is not an investment. We record the exact wording the promoter used.
Test 2 — a return is quoted per day
A daily rate of return is not something a professional operation quotes, at any size. This is the cleanest test there is, and it works even on very small numbers:
| Quoted rate | Annualised | Doubles every | What it would mean |
|---|---|---|---|
| 0.1% per day | 44.03% a year | 693.5 days | $100 → $144.03 in a year |
| 0.3% per day | 198.43% a year | 231.4 days | $100 → $298.43 in a year |
| 0.5% per day | 517.47% a year | 139.0 days | $100 → $617.47 in a year |
| 1% per day | 3,678.34% a year | 69.7 days | $100 → $3.8K in a year |
| 2% per day | 137,640.83% a year | 35.0 days | $100 → $137.7K in a year |
| 3% per day | about 4.85e+06% a year | 23.4 days | $100 → $4.8M in a year |
| 5% per day | about 5.42e+09% a year | 14.2 days | $100 → $5.4B in a year |
| 10% per day | about 1.28e+17% a year | 7.3 days | $100 → $128,330.6T in a year |
For scale: a well-run regulated strategy in public markets has historically produced something in the region of 5–15% a year. One tenth of one percent per day is already about 44% a year. The higher the daily number, the shorter the arithmetic takes to become impossible.
The math we publish
Every figure on an entry page is produced by the same small routine, so it can be checked by hand:
- Annualised — the quoted rate compounded over its own period for a year: (1 + r)n − 1.
- Doubling time — ln(2) / ln(1 + r) periods, then converted to days.
- Milestones — how long $1,000 takes to reach $10,000, $100,000 and $1,000,000 at that rate, and the payout the scheme commits to each day once it gets there.
- Numbers are rounded for display only; the underlying arithmetic is exact.
The strength-of-evidence check
This is a second, separate number, and it is deliberately not a safety rating. It asks one question: if you were outside the project with no special access, how much of it could you actually confirm? It is scored out of 100:
| Dimension | What it asks | Maximum |
|---|---|---|
| Registered operating entity | Is there a named legal entity, in a stated jurisdiction, that can be looked up in a company register? | 30 |
| Regulatory standing | Do the relevant regulators list it as licensed, authorised, warned against or subject to action? | 25 |
| Promoter & referral structure | Who is pushing it, and does the structure pay them per sign-up rather than per result? | 25 |
| Who holds the money | Are customer funds held by a regulated third party, or moved by transfer, wallet or private account? | 20 |
| Total | How much is checkable from outside | 100 |
| Score | Grade | What it means |
|---|---|---|
| 70+ | Documented | The core claims — who operates it, who supervises it, where the money sits — can be independently checked. |
| 45+ | Partly documented | Some of the core claims can be checked; important parts still cannot. |
| 20+ | Thin | Very little of what is claimed about the operator, supervision or custody can be checked by an outsider. |
| 0+ | Nothing independently verifiable | Nothing in the claims about the operator, supervision or custody can be checked from public records. |
Read a low score as a warning, not as a technicality. It means the operator, the supervision, the promoters behind it, or the custody of funds could not be confirmed from outside — and an operation that cannot be confirmed from outside is one you should not put money into. A high score is not a clearance either: a well-documented operation can still be a bad proposition, and the arithmetic above is unaffected by paperwork.
What is deliberately not here
- No court-style verdicts. We describe what is publicly stated and what is publicly checkable, and when that leaves the money unaccounted for we say so in plain terms. Staying away from legal conclusions is not a reassurance: nothing here is meant to leave you comfortable.
- No investment advice, and no recommendation either way.
- No naming of the third-party websites, channels or accounts we monitor. The promoter's own material is what is quoted.
- No registration or filing numbers of the schemes themselves — those exist for domestic Chinese-language businesses and say nothing about an operation soliciting users globally.
Corrections
Every change to the register is logged in the changelog, including removals. If you are named here and something is wrong, use the corrections page. Reviewed 26 October 2026.