Bruce Bjert Olsson, identified in AdIncomeMatrix's frequently asked questions as the owner, operates the platform from Spain, according to his LinkedIn profile. The domain adincomematrix.com was registered on February 28, 2015, using a private registration service, obscuring the registrant's identity. This setup provides minimal transparency for a financial operation promising returns.
The company's FAQ claims it belongs to a group called the "Residual Income Group." This group admits it has never managed a program of this type before. Its members cite experience in affiliate marketing, pay-per-click advertising, and mailer ads. They also claim to have "participated in other RevShare Programs as members," a term often associated with pyramid or Ponzi schemes in the multi-level marketing industry.
AdIncomeMatrix offers no tangible products or services for retail sale. Its entire model revolves around selling affiliate memberships and "Income Hybrid Packs." These packs are the sole mechanism for participation and purported earnings.
Once an individual joins, they purchase $20 "Income Hybrid Packs." Each pack includes advertising credits intended for displaying ads on the AdIncomeMatrix website. This advertising component functions as a superficial justification for the money flow within the system.
Each $20 pack is conceptually split, fueling two distinct internal schemes. Half of the purchase money funds a matrix cycler, while the other half supports a revenue-sharing position. This dual structure creates multiple pathways for funds to circulate among participants, rather than generating external revenue.
Ten dollars from each pack creates a $2 position daily for five days within the matrix cycler. This system operates on a four-tier structure. Matrix 1 is a 3x1 grid; filling three spots earns $1.50 and advances the participant to Matrix 2. Matrix 2, also a 3x1 grid, earns $3, generates a new Matrix 1 position, and moves the participant to Matrix 3. Matrix 3 is a 4x1 grid, earning $5, creating another Matrix 1 position, and advancing to Matrix 4. The final tier, Matrix 4, is a 5x1 grid, paying $36 and cycling the participant back to Matrix 1. A mandatory rule requires 30% of all Matrix 4 payouts to be reinvested into buying more packs.
The remaining $10 from each initial pack funds a revenue-share position. This position promises a 150% return, or $15, for each $10 invested. The speed at which this payout occurs directly depends on the volume of new pack purchases by other participants. The same 30% reinvestment rule applies to revenue-share payouts, forcing participants to continually feed money back into the system.
AdIncomeMatrix also incorporates a referral commission system. Participants earn 7% on pack purchases made by individuals they directly recruit. A second level of commission pays 3% on purchases made by those recruited by their direct referrals. While joining the platform is technically free, earning any income requires the purchase of at least one $20 pack, making the effective entry cost $20.
This model closely resembles subscription matrix cycler schemes that historically collapse. Both the matrix cycler and the revenue-sharing components depend entirely on new money from subsequent investors to pay earlier participants. There is no evidence of external revenue generation beyond new member investments.
The "no refunds" policy explicitly states, "We share the revenue from your purchase with all members, so we cannot afford to offer refunds." This statement directly confirms that participant funds are redistributed among members, a hallmark of a Ponzi scheme. When the influx of new money ceases, payouts inevitably stop. The mandatory 30% reinvestment requirement only postpones this collapse; it does not prevent it.
The AdIncomeMatrix FAQ attempts to address the inherent instability of matrix schemes. It acknowledges that such programs fail when position purchases decline. The FAQ then claims AdIncomeMatrix has "covered" this by implementing a daily subscription plan and generating auto-generated positions from higher matrix levels. This claim is misleading. Spreading position creation over five days does not introduce new capital; the initial $20 enters as a single sum. Additionally, "phantom positions" created from matrix cycles increase the system's liabilities without contributing new revenue, thereby accelerating the financial drain on the scheme.
Despite the structural indicators of an investment fraud, Olsson denies these characteristics in the FAQ. He asserts, "We are not an INVESTMENT, MLM, HYIP or PONZI program. The formula behind this model is proven and works every time." The only thing this model consistently demonstrates is its capacity to transfer funds from later investors to earlier ones, often including the scheme's operators. Public information indicates Olsson and four associates function as administrators of the AdIncomeMatrix Facebook group. AdIncomeMatrix operates as a Ponzi scheme, where the $20 packs represent investments, and returns rely solely on continuous new investments. When these new funds dry up, the scheme will cease to pay its participants.