Julie Wilson, who also uses the name Jules, co-owns My OPI with Bradley Wells. This online income opportunity launched in early March 2014, just months after Wilson's previous venture, Prosperity Cash Machine, failed. That earlier scheme required a $175 payment to join a matrix-based recruitment operation before its collapse in late 2013.
My OPI functions similarly, without actual products or services to sell. Affiliates buy "Ad Pack" positions for $10 each. They receive a promise of a $12 return on each pack, a guaranteed 120% profit. While the company claims these packs include advertising credits, the primary method for earning money involves recruiting new members and urging them to purchase more packs.
The compensation plan lacks transparency. Wilson has not published it on the My OPI website. Records show she altered the plan three times within a single month, introducing a matrix structure, then removing it, and later reinstating it. Matrix positions cost $15, but their specific payout remains unclear. The company made multiple undisclosed changes to the compensation plan without public announcement.
Withdrawal restrictions highlight the scheme's design. Affiliates who fail to recruit three new members cannot access their full earnings. Their withdrawals are capped at 80% of their balance at any given time. Even those who meet the recruitment quota face daily limits: a maximum of $500 for accounts under $5,000, and a minimum of $1,000 for larger balances. Affiliates may submit only one withdrawal request per day.
Internal company messaging confirms its focus on pack buying. Recruitment materials tell potential members that the path to large earnings is simple: "Purchase more Ad Packs and when you earn profits, put half of it into more Ad Packs and withdraw the other half." The site claims that top earners hold 700 or more Ad Packs.
This structure matches that of a Ponzi scheme. Money from new recruits finances returns for earlier participants. The system functions only as long as recruitment rates accelerate. When recruitment slows, which inevitably happens, the structure collapses, and most participants lose their investments.
Wilson has a history of building such operations. Her past suggests a method of extracting money from participants before moving to another scheme. My OPI follows this pattern. It offers no real product and lacks a sustainable income source. Every incentive structure points towards extracting cash from new recruits rather than generating legitimate financial returns.