Xifra Lifestyle Review  –  Ponzi Scheme  –  MLM Scam

Website & Company Information

The web domain of the company was privately registered on the 14th of October 2019 and was later updated in 2020–05–26. The website provides no information about who owns or runs the company.

After some research, we found George Goodman, who was presented as the CEO in the marketing videos of the company. George communicates in the Spanish language. Outside of Xifra, we couldn’t find any digital footprint of George, suggesting that the character doesn’t really exist outside the company’s marketing materials.

Xifra Lifestyle provides a corporate suite address in Mexico on its website and they are targeting audiences from the South American regions.

As always, if the company is not being transparent about its corporate structure, then you must think twice before handing over your hard-earned money to anonymous people on the internet.

Xifra Lifestyle’s Products

A range of nutritional supplements are offering bundled with Xifra Lifestyle affiliate membership. They are as follows:

  • CBD Plus and CBD Premium — CBD oil
  • Xtrong — male bedroom enhancer
  • +DTX — detox supplement
  • Gen-X — weight loss supplement

The products correspond with Xifra Lifestyle’s affiliate membership options as follows:

  • Bronze — $160 monthly subscription, take four boxes of +DTX or Xtrong
  • Silver — $280 monthly subscription, pick either eight boxes of +DTX or four boxes of both +DTX and Xtrong
  • Gold — $520 monthly subscription, take either sixteen boxes of +DTX, or eight boxes of +DTX, four boxes of Xtrong and two boxes of Gen-X, or eight boxes of +DTX, four boxes of Xtrong, two boxes of Gen-X and two bottles of CBD Plus

Xifra Lifestyle’s Compensation Plan

The affiliates of the company convert their funds into bitcoin and then invest bitcoin on the promise of a daily 0.5% to 2% daily ROI, capped at 200%.

  • X300 — $300
  • X500 — $500
  • X1000 — $1000
  • X3000 — $3000
  • X5000 — $5000
  • X10000 — $10,000
  • X15000 — $15,000
  • X25000 — $25,000
  • X50000 — $50,000

‘Plantation fund’ investment plans are also available:

  • X2500 — $2500
  • X5000 — $5000
  • X10000 — $10,000
  • X15000 — $15,000
  • X25000 — $25,000
  • X50000 — $50,000
  • X75000 — $75,000
  • X100000 — $100,000

The said fund facilitates a monthly ROI of 10% for 24 months (240%).

Xifra Lifestyle Affiliate Ranks

Xifra Lifestyle’s compensation plan features a total of twelve affiliate ranks

Along with their respective qualification criteria, they are as follows:

  • Affiliate — sign up as a Xifra affiliate
  • Senior Brand Partner — generate $4000 accumulated investment on both sides of your binary team ($4000/$4000)
  • Executive — generate $10,000 accumulated investment volume on both sides of your binary team ($10,000/$10,000)
  • Sapphire Executive — generate $20,000 accumulated investment volume on both sides of your binary team ($20,000/$20,000)
  • Ruby Executive — generate $40,000 accumulated investment volume on both sides of your binary team ($40,000/$40,000), and personally recruit two Executives (one on each side of your binary team)
  • Emerald Executive — generate $80,000 accumulated investment volume on both sides of your binary team ($80,000/$80,000), and personally recruit two Sapphire Executives (one on each side of your binary team)
  • Diamond Executive — generate $120,000 accumulated investment volume on both sides of your binary team ($120,000/$120,000), and personally recruit two Ruby Executives (one on each side of your binary team)
  • Blue Diamond — generate $320,000 accumulated investment volume on both sides of your binary team ($320,000/$320,000), and personally recruit two Emerald Executives (one on each side of your binary team)
  • Black Diamond — generate $740,000 accumulated investment volume on both sides of your binary team ($740,000/$740,000), and personally recruit two Diamond Executives (one on each side of your binary team)
  • Royal Black Diamond — generate (undisclosed) accumulated investment volume on both sides of your binary team and personally recruit two Blue Diamonds (one each side of your binary team)
  • Crown Black Diamond — generate $2,000,000 accumulated investment volume on both sides of your binary team ($2,000,000/$2,000,000), and personally recruit two Black Diamonds (one on each side of your binary team)
  • Royal President — generate $4,000,000 accumulated investment volume on both sides of your binary team ($4,000,000/$4,000,000), and personally recruit two Royal Black Diamonds (one on each side of your binary team)

Referral Commissions

The company also pays referral commissions on invested funds down two levels of recruitment:

  • level 1 (direct recruit) — 8%
  • level 2–2%

But if you opt for the Plantation fund, you will get referral commissions from three levels of your downline:

  • level 1–10%
  • level 2–3%
  • level 3–2%

Residual Commissions

Xifra Lifestyle pays residual commissions via a binary compensation structure.

Apart from residual and referral commissions, Xifra also offers a matching bonus. The Matching Bonus is paid via a unilevel compensation structure.

The company caps the matching bonus at five unilevel team levels, based on rank:

  • Executives get a 3% match on level 1 (direct recruit)
  • Sapphire Executives get a 3% match on level 1 and 2% on levels 2 and3
  • Emerald Executives to Black Diamonds get a 3% match on level 1, 2% on levels 2 and 3 and 1% on level 4
  • Royal Black Diamonds and higher get 3% on level 1, 2% on levels 2 and 3 and 1% on levels 4 and 5

Rank Achievement Bonus

Starting at the Sapphire Executive rank, Xifra Lifestyle rewards affiliates with the following Rank Achievement Bonuses:

  • qualify as a Sapphire Executive and get a Mont Blanc pen
  • qualify as a Ruby Executive and get a “last generation iPhone”
  • qualify as an Emerald Executive and get a MacBook Air
  • qualify as a Diamond Executive and get a “cruise trip around the world with 3 destination options”
  • qualify as an Emerald Executive and get a Rolex Yacht-Master II
  • qualify as a Black Diamond and get an Audi A3
  • qualify as a Royal Black Diamond and get a Mercedes Benz GLC
  • qualify as a Crown Black Diamond and get a Porsche 911
  • qualify as a Royal President and get a Lamborghini, Rolls Royce or Ferrari

Joining Xifra Lifestyle

Joining the basic Xifra Lifestyle affiliate membership costs $115. However, full participation in the attached income opportunity requires a minimum investment of $300 and it goes as high as $50,000. Plus a $15 membership fee (fixed).

Note: The company solicits investments in Bitcoin.

Conclusion

The company claims of generating external revenue through trading and cannabis plantations. We couldn’t find any evidence that would prove that they are really involved in the mentioned activities.

In fact, with all the huge promises they are making currently, it has pushed them to fall into the securities offering category.

Since they promise passive returns, Xifra Lifestyle provides no evidence it has registered with financial regulators in any jurisdiction. This means that they are committing securities fraud.

As we see, the only valid source of income entering into the company is the new investments and using these investments to honour existing withdrawals makes it a Ponzi Scheme.

Once recruitment slows down, so will the withdrawals — triggering a system collapse where the majority of the investors are destined to lose money.