Pyramid schemes have existed for decades, but in 2025 they have evolved into new forms — from crypto “investment clubs” to influencer-backed “digital earnings platforms.” The core idea, however, hasn’t changed: a few people at the top make money, while the majority lose.

These systems often promise high returns with no effort, but the mechanism behind them is simple. New participants pay to join; that money funds the older participants’ payouts. Once recruitment slows, the system collapses.

What makes these schemes dangerous is their disguise. They now appear as “network marketing,” “AI trading bots,” or “affiliate programs.” The modern digital world gives them a professional look — logos, websites, apps — but the structure remains the same.

Governments across the world, including Azerbaijan, Turkey, and Russia, have strengthened laws to fight such schemes. Yet they keep reappearing because of one thing: human greed.

If someone promises 200% monthly profit “guaranteed,” remember: it’s not an investment — it’s a trap.