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Introduction: The New Face of Online Earning in Nigeria(LIORA WEBSITE) If you've been searching for a legitimate way to earn money online in Nigeria — one that pays in Naira, uses AI, and doesn't require you to invest in crypto or refer 50 people before you see one Kobo — you've probably come across LIORA, also known as LIORA APP or LIORA Platform. Or maybe you've been searchng for questions like; WHAT IS LIORA? IS LIORA PLATFORM LEGIT OR SCAM? WHAT IS LIORA PLATFORM ABOUT? HOW TO REGISTER ON LIORA HOW DOES LIORA PLATFORM WORK IN NIGERIA? LIORA APP LIORA WEBSITE, etc. Well, LIORA Platform (also known as LIORA Network, LIORA Website or LIORA App) is an AI-powered earning platform that brings together multiple...Read More
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Introduction: The New Face of Online Earning in Nigeria(JOVIA NETWORK) If you've been searching for a legitimate way to earn money online in Nigeria — one that pays in Naira, uses AI, and doesn't require you to invest in crypto or refer 50 people before you see one Kobo — you've probably come across JOVIA, also known as JOVIA NETWORK or JOVIA Platform. Or maybe you've been searchng for questions like; WHAT IS JOVIA? IS JOVIA NETWORK LEGIT OR SCAM? WHAT IS JOVIA NETWORK? HOW TO REGISTER ON JOVIA HOW DOES JOVIA PLATFORM WORK? JOVIA APP JOVIA WEBSITE, etc. Well, JOVIA NETWORK (also known as JOVIA Platform, JOVIA Website or JOVIA App) is an AI-powered earning platform that brings together multiple...Read More
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Introduction: The New Face of Online Earning in Nigeria(evermore.net.ng) If you've been searching for a legitimate way to earn money online in Nigeria — one that pays in Naira, uses AI, and doesn't require you to invest in crypto or refer 50 people before you see one Kobo — you've probably come across Evermore, also known as Evermore AI or Ever AI. Evermore is an AI-powered earning platform that has quietly been building a reputation across Nigeria, Ghana, Kenya, and Cameroon as a place where ordinary people can earn steady income by doing AI training tasks. In this guide, I'll break down everything you need to know about the Evermore AI Platform — what it is, how to register, how much you can realistically earn, the subscription model, and whether it's actually worth your time. Let's dive in. What is Evermore? Evermore AI (also known as Ever AI Platform or EvermoreAI) is an AI-powered earning platform that brings together multiple income streams in one dashboard. You can read the official overview at Evermore — About Us. At its core, Evermore operates on a simple principle: AI systems like EverAI need human feedback to improve. Every time you rate an AI response as "good" or "bad", every time you correct a fact the AI got wrong, every time you complete a short survey — you're teaching the AI. And Evermore pays you for that teaching. Unlike many "online earning" platforms that overpromise and underdeliver, Evermore is transparent about its model: you pay a one-time subscription, you get access to the platform, and you earn by completing tasks. The platform runs on the Evermore website at Evermore AI Platform — Official Homepage. There's also a mobile download page for the Evermore App at Download the Evermore AI App. What Kinds of Tasks Can You Do on Evermore? Evermore offers six earning categories — which is unusual for a platform in this space. Most platforms offer one or two task types; Evermore gives you a full menu. Here's what's available: 1. Rate EverAI Responses — Up to $16.2/hr You review EverAI's answers to real user questions and rate them as good or bad. Simple, but important work — the AI uses your feedback to get smarter. 2. Correct EverAI Memory — Up to $18.6/hr The AI sometimes "remembers" things wrong. Your job is to supply the correct information. This is one of the highest-paying categories on the platform. 3. Opinion & Survey Tasks — Up to $17.2/hr Complete short surveys and share your opinion on products, content, and services. Easy to fit into small breaks. 4. Audio Transcription — Up to $12/hr Listen to short audio clips and type out what you hear. Good for fast typists. 5. AI Content Rating — Up to $14.6/hr Rate AI-generated content — articles, images, responses — for quality and accuracy. 6. Click n Earn — Up to $12.3/hr Complete simple online activities. Lowest-paying, but the easiest to start with. The combined earning potential is up to $19.2/hr when you stack categories intelligently. Full details are on the Evermore homepage. Important: All rewards are paid three times a week, so you don't wait weeks for a payout. That's a big deal in the Nigerian online earning space. How Does Evermore Compare to Other "Online Earning" Platforms? I'll be blunt here because there's a lot of noise in this space. Most platforms in Nigeria either: Promise ridiculous daily returns (e.g., "earn ₦50,000 daily for ₦5,000 investment" and turn out to be Ponzi schemesRequire you to recruit downlines before you earn (MLM-style) Pay in points that take months to convert to actual cash Have no real task pipeline — you sign up and then… nothing Evermore is different in three specific ways: 1. One-time subscription, no hidden fees. You pay once and get 12 months of access. No monthly deductions, no "upgrade to unlock" upsells. 2. Real task volume from a real AI product. The tasks come from EverAI — an actual AI system that needs training data. This is a real business model, not a pyramid. 3. Multi-currency payouts. You can withdraw in NGN, USD, GHS, KES, XAF, or EUR — so you're not forced into a single currency. You can read the full breakdown on the Evermore FAQ page. How to Register on Evermore (Step-by-Step) Registration is straightforward. Here's the exact process: Step 1: Go to the Evermore Registration Page Navigate to Evermore Registration — Create Account. You'll see a tabbed form with "Create account" and "Sign in". Step 2: Fill In Your Details You'll need to provide: Full name (as it should appear on your account) Username (public handle, e.g., @yourname) Phone number (for verification and support) Country (Nigeria, Ghana, Kenya, Cameroon, Uganda, Benin, South Africa, or "Others" ![]() Email address (used for login) Password (minimum 8 characters) Referral ID — optional, only if someone referred you Step 3: Submit and Confirm Click "Create My Account". You'll be automatically logged in and taken to your Evermore dashboard. Step 4: Activate Your Account This is the important step. On your dashboard, you'll see a button that says ACTIVATE ACCOUNT. Clicking it takes you to the Evermore Payment Page, where you complete the ₦14,850 (or ₦15,000 depending on current pricing) payment via Squad checkout. Step 5: Wait for Approval Evermore's team reviews your payment proof and approves your activation — typically within a few hours. You'll receive a confirmation email. Once approved, all six earning categories unlock, and your personal Telegram agent is assigned. Full registration guide: Evermore FAQ — Registration, Activation & Payouts The Subscription: What It Costs and What You Get Evermore runs on one subscription — the Evermore Premium Subscription. Price: ₦14,850 (≈ $10) Validity: 1 year (12 months) Payment method: Squad checkout Activation: Admin-verified Includes: All 6 earning categories What you get for that ₦14,850: Access to all six earning categories with combined potential up to $19.2/hr A personal Evermore agent on Telegram who guides you Priority access to new task drops Evermore Academy access (courses on high-income AI economy skills) Multi-currency wallet supporting NGN, USD, GHS, KES, XAF, and EUR Priority support Three-times-weekly payouts Read the full subscription breakdown in the Evermore blog article: Evermore Blog — Tips, Guides & Updates For comparison: ₦14,850 is roughly the cost of two restaurant meals in Lagos. If you can earn even $20/week on Evermore, the subscription pays for itself in under two weeks. How Much Can You Actually Earn on Evermore? Let me be realistic here — the $19.2/hr figure is the combined potential, not a guarantee. Here's the honest breakdown: Beginner (first month): 1–2 hours/day on Rate EverAI Responses + Click n Earn Realistic earnings: ₦15,000 – ₦40,000/month Intermediate (2–3 months in): 2–3 hours/day, stacking 3–4 categories Realistic earnings: ₦40,000 – ₦90,000/month Advanced (experienced user): 4+ hours/day, optimizing for high-paying tasks Realistic earnings: ₦90,000 – ₦200,000+/month These aren't magic numbers — they depend on how much time you put in, how well you handle the task quality checks, and how quickly you complete tasks. The Evermore Top Earners page shows live earnings across the platform. How Do Payouts Work? Evermore pays three times a week. That's a critical detail — most Nigerian online platforms pay weekly or monthly, which means you wait a long time to see your first payout. Supported currencies: NGN (Nigerian Naira) USD (US Dollar) GHS (Ghanaian Cedi) KES (Kenyan Shilling) XAF (Central African Franc) EUR (Euro) Withdrawal process: Once your earnings reach the withdrawal threshold, you request a payout from your dashboard wallet. Funds are routed to your preferred local bank account. The Evermore finance team verifies task completion through your personal agent before processing. Read the full FAQ on payouts here: Evermore FAQ — Payouts & Withdrawals The Evermore App: Earn From Your Phone For those who prefer mobile, there's an official Evermore App for both Android and iOS. Key mobile features: Real-time task rewards Live push notifications for new task drops Secure mobile wallet Full access to all six earning categories Optimized data speeds for Nigerian networks Download it here: Download the Evermore AI App — Android & iOS Is Evermore Legit or a Scam? This is the question everyone asks, so let me answer it directly. Evermore is Legit. Signs That Proofs That Evermore is legitimate: Transparent pricing (₦14,850, one-time, publicly listed) Admin-verified activation (real people review your payment) Multi-currency payouts (real banking infrastructure) Published FAQ answering hard questions Public leaderboard of top earners Readable Terms & Conditions and Privacy Policy Active Telegram community for members Signs That Proofs That Evermore Is NOT a scam: It doesn't promise daily fixed returns It doesn't require you to recruit downlines It doesn't hide the payment amount behind "contact us for pricing" It has a real product (an AI that needs training) It has a real website with clear information What you should still do: Never share your Evermore password with anyone Always use the official site: evermore.net.ng Never pay to a bank account that isn't officially listed on the payment page Join the official VIP Telegram group for updates and to verify announcements You can also read the official safety guidance on the Evermore FAQ page. Evermore Academy: Learning High-Income Skills One feature that sets Evermore apart from typical earning platforms is the Evermore Academy — an in-platform skills training hub. Courses cover: Financial market trading basics AI automation Copywriting Content creation Other high-income digital skills The idea is simple: while you earn from tasks, you also upgrade your skills so you can eventually earn more per hour. It's a long-term play, not just a short-term gig. Learn more on the Evermore homepage. Common Questions About Evermore (FAQ) Q: Is Evermore available in Nigeria? Yes. Nigeria is Evermore's primary market. The platform supports Nigerian bank accounts and NGN payouts. Q: Do I need to pay to join Evermore? Yes — there's a one-time Evermore Premium Subscription fee (₦14,850 / ≈ $10) that unlocks access for 12 months. Q: Can I earn without paying? No. Evermore is a subscription-based platform. This is part of why it avoids the Ponzi structure that plagues "free" earning platforms. Q: How fast are withdrawals? Payouts process three times a week. Exact timing depends on your bank and your task verification status. Q: Do I need special skills? No. Most tasks are simple: rate, review, answer, transcribe. If you can read and follow instructions, you can earn. Q: Can I use Evermore on my phone? Yes. The Evermore App is available for Android and iOS, or you can use the mobile-friendly website. Q: What's the minimum withdrawal? Check the current threshold in your dashboard — it's listed in your wallet section. Q: Is there a referral program? Yes. You can refer friends using your unique Referral ID. Details in your dashboard. Q: What if I have a problem? You'll be assigned a personal Telegram agent after activation — this is your direct line to support. Q: Is Evermore the same as "Ever AI"? Yes. "Ever AI," "EverAI," "EvermoreAI," and "Evermore AI Platform" all refer to the same service. Full FAQ: Evermore FAQ — Everything You Need to Know Pros and Cons of Evermore Pros: Six different earning categories (unusual variety) Payouts three times a week Multi-currency withdrawals (NGN, USD, GHS, KES, XAF, EUR) Personal Telegram agent assigned to every member Transparent one-time subscription No recruitment/downline requirement Mobile app available Skills Academy included Cons: Requires upfront payment (not "free to start" ![]() Earnings depend on how much time you invest Payment must go through specific channels (Squad checkout only) Some tasks require focus (not passive income) Final Thoughts: Should You Try Evermore? If you're looking for a legitimate, transparent, subscription-based platform to earn from AI tasks in Nigeria or anywhere in Africa, Evermore is worth trying. The ₦14,850 entry fee is a real commitment, so don't jump in expecting to be a millionaire in a week. But if you: Actually put in the hours Focus on the higher-paying categories (Correct EverAI Memory, Opinion & Surveys) Treat it like a part-time job rather than a lottery ticket …then Evermore can realistically become a steady side income stream. To get started: Register at Evermore Registration — Create Account Activate at [url=https://evermore.net.ng/payment.html]Evermore Payment Page[/url] Read the FAQ: Evermore FAQ Follow the top earners: Evermore Top Earners Leaderboard Download the app: Download the Evermore AI App Have you tried Evermore? What was your experience? Drop your questions and earnings reports in the comments below — I'll reply to as many as I can.
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Evermore AI: The New Face of Online Earning in Nigeria If you've been searching for a legitimate way to earn money online in Nigeria — one that pays in Naira, uses AI, and doesn't require crypto investment or downline recruitment — you've probably come across Evermore, also known as Evermore AI or Ever AI. In this guide, we'll cover: what Evermore is, the six task categories and their pay rates, the ₦14,850 subscription, how much you can realistically earn, how payouts work, the Evermore App for Android & iOS, whether Evermore is legit or a scam, and the Evermore Academy. Let's dive in. What is Evermore? Evermore AI (also known as Ever AI Platform or EvermoreAI) is an AI-powered earning platform that brings together multiple income streams in one dashboard. At its core, Evermore operates on a simple principle: AI systems like EverAI need human feedback to improve. Every time you rate an AI response, correct a fact the AI got wrong, or complete a short survey — you're teaching the AI. And Evermore pays you for that teaching. Unlike many "online earning" platforms that overpromise and underdeliver, Evermore is transparent: you pay a one-time subscription, you get access for 12 months, and you earn by completing tasks. Official homepage: Evermore AI Platform — Official Homepage. Mobile app: Download the Evermore AI App. What Kinds of Tasks Can You Do on Evermore? Evermore offers six earning categories — unusual for a platform in this space. Most platforms offer one or two; Evermore gives you a full menu: 1. Rate EverAI Responses — up to $16.2/hr 2. Correct EverAI Memory — up to $18.6/hr 3. Opinion & Survey Tasks — up to $17.2/hr 4. Audio Transcription — up to $12/hr 5. AI Content Rating — up to $14.6/hr 6. Click n Earn — up to $12.3/hr The combined earning potential is up to $19.2/hr when you stack categories intelligently. Rewards are paid three times a week. How Does Evermore Compare to Other "Online Earning" Platforms? Most Nigerian platforms either: Promise ridiculous daily returns and turn out to be Ponzi schemes Require you to recruit downlines (MLM-style) Pay in points that take months to convert Have no real task pipeline Evermore is different in three ways: 1. One-time subscription, no hidden fees. Pay once, get 12 months of access. 2. Real task volume from a real AI product. Tasks come from EverAI — a real AI that needs training data. 3. Multi-currency payouts. Withdraw in NGN, USD, GHS, KES, XAF, or EUR. Read the full breakdown on the Evermore FAQ page→ READ MORE
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Lately, there’s been a lot of talk about PINNACLE, a platform that seems to be gaining attention online. Like any new opportunity, it has sparked debates, with some people wondering if it’s worth trying or just another platform to avoid. Some have asked questions like; IS PINNACLE LEGIT OR SCAM? HOW DOES PINNACLE WORK? HOW DO I REGISTER ON PINNACLE? COUPON CODE AND MORE From what I’ve seen, there are mixed opinions. Some folks are cautious, pointing out that platforms like these often raise questions about sustainability. Others, however, seem intrigued by its simplicity and potential. As always, it’s good to stay informed and make decisions based on solid research. If you’re thinking about checking out PINNACLE, I’d recommend reading up on it first. A review I came across provides an in-depth breakdown, highlighting the platform’s features and what users can expect. It also touches on the risks and benefits, giving you a clearer picture. You can CLICK HERE to read the full review
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Lately, there’s been a lot of talk about Proxima, a platform that seems to be gaining attention online. Like any new opportunity, it has sparked debates, with some people wondering if it’s worth trying or just another platform to avoid. Some have asked questions like; IS PROXIMA LEGIT OR SCAM? HOW DOES PROXIMA WORK? HOW DO I REGISTER ON PROXIMA? COUPON CODE AND MORE From what I’ve seen, there are mixed opinions. Some folks are cautious, pointing out that platforms like these often raise questions about sustainability. Others, however, seem intrigued by its simplicity and potential. As always, it’s good to stay informed and make decisions based on solid research. If you’re thinking about checking out Proxima, I’d recommend reading up on it first. A review I came across provides an in-depth breakdown, highlighting the platform’s features and what users can expect. It also touches on the risks and benefits, giving you a clearer picture. You can CLICK HERE to read the full review
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Lately, there’s been a lot of talk about Rodajobs, a platform that seems to be gaining attention online. Like any new opportunity, it has sparked debates, with some people wondering if it’s worth trying or just another platform to avoid. Some have asked questions like; IS RODAJOBS LEGIT OR SCAM? HOW DOES RODAJOBS WORK? HOW DO I REGISTER ON RODAJOBS? COUPON CODE AND MORE From what I’ve seen, there are mixed opinions. Some folks are cautious, pointing out that platforms like these often raise questions about sustainability. Others, however, seem intrigued by its simplicity and potential. As always, it’s good to stay informed and make decisions based on solid research. If you’re thinking about checking out Delux, I’d recommend reading up on it first. A review I came across provides an in-depth breakdown, highlighting the platform’s features and what users can expect. It also touches on the risks and benefits, giving you a clearer picture. You can CLICK HERE to read the full review
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Lately, there’s been a lot of talk about Delux, a platform that seems to be gaining attention online. Like any new opportunity, it has sparked debates, with some people wondering if it’s worth trying or just another platform to avoid. Some have asked questions like; IS DELUX LEGIT OR SCAM? HOW DOES DELUX WORK? HOW DO I REGISTER ON DELUX? COUPON CODE AND MORE You can CLICK HERE to read the full review From what I’ve seen, there are mixed opinions. Some folks are cautious, pointing out that platforms like these often raise questions about sustainability. Others, however, seem intrigued by its simplicity and potential. As always, it’s good to stay informed and make decisions based on solid research. If you’re thinking about checking out Delux, I’d recommend reading up on it first. A review I came across provides an in-depth breakdown, highlighting the platform’s features and what users can expect. It also touches on the risks and benefits, giving you a clearer picture. You can CLICK HERE to read the full review
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THIS REVIEW COVERS EVERYTHING YOU NEED TO KNOW ABOUT UPHORIA AND ANSWERS IMPORTANT QUESTIONS LIKE; IS UPHORIA LEGIT OR SCAM? HOW DOES UPHORIA WORK? HOW DO I REGISTER ON UPHORIA? COUPON CODE AND MORE Are you looking for a legit way to earn money online? If so, you may want to check out this new opportunity called UPHORIA. CLICK HERE TO READ MORE... UPHORIA is presented as an e-commerce marketplace and learning platform. It allows users to buy and sell products globally while also providing import/export training. The company claims you can earn ongoing income through commissions, bonuses and other reward systems. Now obviously anytime a new "work from home" style program emerges, legitimacy is a concern. That's why I recommend doing your research before investing any money. A good place to start is by reading real reviews from existing UPHORIA users. On this article, we have compiled a detailed review covering user experiences, earnings potential and withdrawal processes. The article gives insights into how the various income streams work as well as CLICK HERE To Finish reading on UPHORIA
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THIS REVIEW COVERS EVERYTHING YOU NEED TO KNOW ABOUT PHENOM AND ANSWERS IMPORTANT QUESTIONS LIKE; IS PHENOM LEGIT OR SCAM? HOW DOES PHENOM WORK? HOW DO I REGISTER ON PHENOM? COUPON CODE AND MORE Are you looking for a legit way to earn money online? If so, you may want to check out this new opportunity called PHENOM. CLICK HERE TO READ MORE... PHENOM is presented as an e-commerce marketplace and learning platform. It allows users to buy and sell products globally while also providing import/export training. The company claims you can earn ongoing income through commissions, bonuses and other reward systems. Now obviously anytime a new "work from home" style program emerges, legitimacy is a concern. That's why I recommend doing your research before investing any money. A good place to start is by reading real reviews from existing PHENOM users. On this article, we have compiled a detailed review covering user experiences, earnings potential and withdrawal processes. The article gives insights into how the various income streams work as well as CLICK HERE To Finish reading on PHENOM
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THIS REVIEW COVERS EVERYTHING YOU NEED TO KNOW ABOUT ZENWEALTH AND ANSWERS IMPORTANT QUESTIONS LIKE; IS ZENWEALTH LEGIT OR SCAM? HOW DOES ZENWEALTH WORK? HOW DO I REGISTER ON ZENWEALTH? COUPON CODE AND MORE Are you looking for a legit way to earn money online? If so, you may want to check out this new opportunity called ZENWEALTH. CLICK HERE TO READ MORE... ZENWEALTH is presented as an e-commerce marketplace and learning platform. It allows users to buy and sell products globally while also providing import/export training. The company claims you can earn ongoing income through commissions, bonuses and other reward systems. Now obviously anytime a new "work from home" style program emerges, legitimacy is a concern. That's why I recommend doing your research before investing any money. A good place to start is by reading real reviews from existing ZENWEALTH users. On this article, we have compiled a detailed review covering user experiences, earnings potential and withdrawal processes. The article gives insights into how the various income streams work as well as CLICK HERE To Finish reading on ZENWEALTH
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THIS REVIEW COVERS EVERYTHING YOU NEED TO KNOW ABOUT GROWZA AND ANSWERS IMPORTANT QUESTIONS LIKE; IS GROWZA LEGIT OR SCAM? HOW DOES GROWZA WORK? HOW DO I REGISTER ON GROWZA? COUPON CODE AND MORE Are you looking for a legit way to earn money online? If so, you may want to check out this new opportunity called GROWZA. CLICK HERE TO READ MORE... GROWZA is presented as an e-commerce marketplace and learning platform. It allows users to buy and sell products globally while also providing import/export training. The company claims you can earn ongoing income through commissions, bonuses and other reward systems. Now obviously anytime a new "work from home" style program emerges, legitimacy is a concern. That's why I recommend doing your research before investing any money. A good place to start is by reading real reviews from existing GROWZA users. On this article, we have compiled a detailed review covering user experiences, earnings potential and withdrawal processes. The article gives insights into how the various income streams work as well as CLICK HERE To Finish reading on GROWZA
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Everything You Need to Know About ANCHOR Are you interested in earning money online? Consider exploring a new possibility called ANCHOR LT. CLICK HERE TO READ MORE... ANCHOR LT is positioned as a comprehensive e-commerce platform and educational hub. It enables users to engage in global buying and selling activities while also providing training on import and export processes. The company asserts that users can earn passive income through various channels, including commissions, bonuses, and reward systems. Whenever a new "work from home" opportunity emerges, concerns about legitimacy inevitably arise. That's why it's essential to conduct thorough research before investing any funds. A good starting point is to read authentic reviews from existing ANCHOR users. On this article, we have compiled a comprehensive review that delves into user experiences, earning potential, and withdrawal processes. The article provides insight into how the various income streams function and addresses any issues or complaints. Its aim is to present a balanced perspective, highlighting both the advantages and disadvantages, to help you decide if ANCHOR LT is right for you. Rather than simply promoting this opportunity, I want to empower Nairaland members to make informed decisions. Therefore, before joining, ensure you read honest reviews to gain a deeper understanding of what to expect. This information aims to provide a neutral overview, giving you a clear understanding of what to expect if you decide to pursue the ANCHOR LT program. As with any remote work opportunity, it's crucial to thoroughly research and evaluate the program beforehand to reduce potential CLICK HERE To Finish reading on ANCHOR
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Everything You Need to Know About EARNALL Has the idea of making money online intrigued you? If so, you may want to check out this new opportunity called EARNALL. CLICK HERE TO READ MORE... EARNALL is presented as an e-commerce marketplace and learning platform. It allows users to buy and sell products globally while also providing import/export training. The company claims you can earn ongoing income through commissions, bonuses, and other reward systems. Now obviously anytime a new "work from home" style program emerges, legitimacy is a concern. That's why I recommend doing your research before investing any money. A good place to start is by reading real reviews from existing EARNALL users. On this article, we have compiled a detailed review covering user experiences, earnings potential, and withdrawal processes. The article gives insights into how the various income streams work as well as addressing any issues or complaints. It aims to give a well-rounded picture of both the positives and negatives to help you decide if EARNALL is for you. Rather than just hype up this opportunity, I want Nairaland members to make an informed decision. So before joining, be sure to check out the honest reviews. This should provide objective information so you know what to realistically expect if pursuing this program. As with any work-from-home venture, do your due diligence upfront to minimize risk. Let me know if you have any other questions! CLICK HERE To Finish reading on EARNALL
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and turn out to be Ponzi schemes