3 Daily Cash claims to sell advertising packs while also promising a 150% return on "purchases" after 50 days. The scheme, which appears to be run by Rachel Goldberg from Vancouver, Canada, registered its 3dailycash.com domain on January 18, 2012. Registration details remain private.

Further investigation links 3 Daily Cash to other investment schemes, including 4 Daily Pay, Banner Money Ads, and AdsRealm. These connections indicate Goldberg's operational involvement across multiple similar ventures.

The 3 Daily Cash platform offers no retail products or services for members to market. Instead, members invest money into the program. Each $10 investment grants advertising credits for use on the 3 Daily Cash website's ad network.

The compensation plan centers on an investment structure that pays a 150% return after 50 days, at a rate of 3% daily. Investments are accepted in $10 increments, up to a $10,000 cap. A $10,000 investment would yield $15,000 after 50 days.

Daily returns accumulate in a "cash balance." Members can withdraw a minimum of $10 from this balance. Referral commissions are paid on two levels: 10% for direct recruits and 5% for those recruited by direct referrals.

Membership to 3 Daily Cash is free. However, users earn nothing without investing money. The company states "free members can earn via 3Dailycash's rewarding affiliates/referrals sharing program." These earnings appear as virtual currency in a free member's cash balance. To withdraw any funds, the free member must first invest at least $10 into the scheme. This makes the claim that free members can earn actual money without investing false.

3 Daily Cash describes itself as an "online advertising program" offering a "platform for marketers/business owners to advertise their businesses/programs." Yet, no revenue comes from outside sales or actual advertising services. New money injected by members funds the 150% returns for existing participants.

The company's refund policy further supports this model. It states, "When you purchase an ad Pack, you are essentially purchasing advertising with 3dailycash and you will instantly be credited with 10,000 advertising credits... As such, 3dailycash does not offer any refund." If advertising credits went unused, a refund should be simple. The lack of one confirms the money functions as an investment, not a purchase. Once $10 enters 3 Daily Cash, it pays out someone else's 150% return. Your own 150% return later comes from other new investments.

The option to reinvest the cash balance suggests 3 Daily Cash relies on members not cashing out simultaneously. The scheme covers withdrawals with real money while others reinvest virtual earnings. Creating 150% from 100% is impossible, especially with company fees. If all members withdrew their funds at once, insufficient money would exist to pay everyone.

Typically, daily returns might drop, causing members to give up and cash out. 3 Daily Cash, however, guarantees the daily return percentage. The FAQ explicitly states members "receive 3% daily on your advertising pack for 50 consecutive days" for a $10 investment. Guaranteeing a 3% daily return will inevitably lead to problems as cash balances grow. The returns generated on these balances will far exceed the actual cash entering the scheme. When this happens, 3 Daily Cash will collapse.