Lalit Bajpai, a promoter from Nasik, India, is once again promoting an online scheme, this time named Online Money University. Bajpai, who claims 11 years of experience in network marketing and online business, has a history of pushing Ponzi schemes. Months before launching Online Money University, he was selling Revshare4DreamCar, which promised an unrealistic 225% return. Previous ventures included Triple Threat, MyZoomAds, My Paying Ads, and MMM Global, all of which have since collapsed.

Online Money University operates without a genuine product or service. Instead, affiliates are tasked with recruiting new members into a matrix structure. A $20 membership fee grants access to a library of digital content, such as e-books and videos, designed to give the appearance of legitimacy.

The scheme's compensation plan is centered on recruitment. Members pay to occupy positions within a 5x5 matrix. This structure expands to 3,905 positions in total. Each position filled within this matrix yields a $2 commission for the affiliate. This small amount serves to keep participants engaged while the primary focus remains on recruiting new members.

Recruitment commissions are the main source of income. The structure uses a unilevel system, where personally recruited affiliates form the first level. Their recruits form subsequent levels, down to five levels deep. The payout is $6 for each recruit on level one and $2 for each recruit on levels two through five.

This compensation model is mathematically unsustainable. For most participants, particularly those not at the top of the structure, the scheme guarantees financial loss. Breaking even requires a constant influx of new recruits who also recruit, creating a demand for infinite growth within a finite market. Such growth is impossible, and when recruitment inevitably slows, the entire structure collapses.

Bajpai is aware of this outcome, having previously promoted similar schemes that vanished when regulatory scrutiny arose. Online Money University represents a continuation of this pattern, presented with claims of "business opportunities" and bundled with low-value digital assets.

The operational mechanics are characteristic of a pyramid scheme. Revenue is generated solely from new members' entry fees, not from sales of products or services to external customers. Commissions are paid using funds from these new recruits, rather than from genuine sales revenue. When the flow of new recruits stops, the scheme ceases to function.

For the overwhelming majority of individuals who join Online Money University, the result will be financial loss and wasted time. Only those positioned at the very top of the recruitment pyramid are likely to see any profit, mirroring the outcome of Bajpai's past ventures.