An online investment program calling itself 6 Daily Pay promises investors a 144% return over 12 days. The scheme's website offers no details about its operators, but a March 2012 domain registration lists "Linda Fred" operating from an unverified Montreal, Quebec address.
6 Daily Pay sells no tangible product or service. Members instead invest sums between $10 and $20, receiving "advertising credits" for an in-house platform. These credits cannot be purchased independently; they are only available as part of an investment. Free members can recruit others for commissions, but cannot withdraw earnings without first making their own investment into the program.
The program presents two investment tiers. The first plan offers a 6% daily return over 25 days, with investments ranging from $10 to $10,000. A second, more aggressive plan promises 12% daily for 12 days, translating to a 144% total return. This second tier accepts investments from $20 to $5,000. However, 30% of all generated returns must be reinvested back into the scheme.
Referral commissions extend two levels deep. Direct recruits, considered Level 1, generate an 8% commission on their investments. Participants also earn 4% from anyone recruited by their direct referrals, designated as Level 2.
The company describes itself as "an online advertising program" providing "a good platform to advertise their businesses." This marketing language contradicts the program's actual structure. Advertising credits are merely bundled with investments and hold no independent value or utility. Since 6 Daily Pay generates no external revenue, returns paid to existing investors depend entirely on funds from new participants. This structure defines a Ponzi scheme.
The refund policy further illuminates the scheme's mechanics. "Please understand that you are purchasing our product Advertising Credits/Ad Units and this is made available to you instantly by our system. As such, we do not offer any refund," the policy states. If these were legitimate advertising services, unused credits would typically qualify for a refund. But the money is already distributed to earlier investors.
6 Daily Pay accepts payments only through Solid Trust Pay and Liberty Reserve. The company explicitly avoids Alertpay, citing "strict conditions" and claiming it does not want members to "lose their money because of Alertpay policy." This choice of payment processor prioritizes operational anonymity over financial transparency for participants.