Step 1: Attraction – It starts with an ad or influencer video promising “financial freedom.”

Step 2: Recruitment – You’re told to invest or invite others to earn. A small commission keeps you motivated.

Step 3: Expansion – The system grows fast. Early members post screenshots of profits, creating fake trust.

Step 4: Collapse – When new users stop joining, money flow stops. The top 5% withdraw funds, the rest lose everything.

These systems repeat every few months under new names — “AI trading,” “crypto yield,” “affiliate network.” Different skin, same bones.