hyip programs that are paying. We do not endorse any programs listed here. hyip programs that are paying

 
 We do not endorse any programs listed herehyip programs that are paying  There are four sections with different articles pertaining to each section: NEWBIES, HYIPs, Security, and Payment Systems

But some HYIP sites pay the profit depending on the investment to their investors. The investors show theirs own investment ideal to the internet, if people interesting , they can invest together. com Investor Alert: "Prime Bank" Investments Are Scams. Visit Program Platform. please provide an evidence including screenshots when reporting a not paying report. The New paying HYIP which start from July 2016 Top HYIP Investment Plan: Status: paying Our investment:10000 USD : November 17th 2023:See what went wrong with these programs so that you can avoid them and others like them in the future. It is 100% free! No cost, no obligation!. fun paying or scam? Learn more. paying. Paying. Find the paying status of any HYIP program. io has an investment plan of 3. High Yield Investment Programs (HYIPs) are Ponzi schemes that promise passive income and high returns in short periods of time. The Best HYIP Programs and Sites. Any of my search term words; All of my search term words; Find results in. HYIP monitoring gives you access to the latest statistics and analytics suitable for. Payment options: PerfectMoney, Tether, Bitcoin, Ethereum, Litecoin, BitcoinCash, Dogecoin, Dash, worked. We personally invest in each program and update status daily. HYIP Monitor InvestSpot is a most reliable HYIP Monitor website. Hyipregister. As a result, some do walk away with a positive. The materials presented on this site may not reflect the most current legal developments, verdicts or settlements, or the correct law of the jurisdiction in which you reside. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. Past performance of programs will not guarantee the same or similarperformance in the future. Check the dynamics of deposits, check the latest reviews and new HYIP programs. Paying or others status is for our hyip monitoring website; it may not be. Your use of this web site is at your own risk. We do not endorse any programs listed here. deposit: $ 30 Withdrawal: Business days. Some programs may be illegal depending on your country's laws. 68 DollarBill. Total interest of 3500% will be paid after one. Please bear in mind that all HYIP investments presuppose high risks. The minimum deposit is $600, and maximum is $20,000. io. 22. HYIP monitors are great to check the program and see if it pays but they mostly list programs paying high returns like over 10% daily and these HYIP usually do not last long, so a lot of investors get scammed by believing that the program is able to generate this kind of interest for a long term period. A high-yield investment program (HYIP) is a type of Ponzi scheme, an investment scam that promises unsustainably high return on investment by paying previous investors with the money invested by new investors. We provide you with a secured, safe and 100% guaranteed investment program. io has an investment plan of 3. This is an excellent way to locate new investment opportunities because other users and monitors are already reporting that they're seeing returns. Please bear in mind that all HYIP investments presuppose high risks. io Review. Enter Paying Profit program information in the 6% in 30 days calculator above and review payout details. Paying or others status is for our hyip monitoring website; it may not be. Past performance of programs will. DISCLAIMER: Please note that we do not promote or recommend any programs/projects/games listed here. 29. Payment options: PerfectMoney, Tether, Bitcoin, Ethereum, Litecoin, BitcoinCash, Dogecoin, Dash, worked. Date Added: April 29, 2017. 1. Our monitoring makes your investments more accurate and significantly reduces risk to be out of pocket. Found 204 projects on the same IP:179. HYIP. Some programs run for less than a week and others for a year or two before they stop paying and become a scam. #HYIP Program: Monitor Status:Happy (947399) Wow (206738) Love (963952) Welcome to HYIP. We do not endorse any programs listed here. After you have shortlisted the HYIP programs, choose at most three (3) programs from shortlisted that already working and paying for at least 3 months but lesser than 2 years (acceptable life span of HYIP is up to 2 years). biz on all hyip monitors. . We do not endorse any programs listed here. com is a trusted associate in the high-yield investment program space and the best HYIP monitoring service, along with reliable information and the latest top HYIP project list. But the main task is differentiating genuine HYIPs with the scams. Guizhou Panjiang Refined Coal Co. Accepted payments: Minimum deposit: $20. We will help you to choose the right investment opportunities in the massive amount of High Yield Investment Programs (hereafter HYIP). In one recent HYIP, the company offered memberships that purported to provide investors with up to a 60 percent profit in 100 days. All of them are still running, but I will show you in which Programs I invested, what I hope to get out of them and also I will update the post as soon as something happends. ⚡️ Read World-pay review from our reputable service and check current status: world-pay. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. The Supreme Court may have struck down President Joe Biden’s one-time forgiveness plan, estimated to cost $400 billion. 50 USD Comment: Withdra. deposit: $ 30 Withdrawal: Business days. While you invest in HYIPs you should monitor program on many investment monitors. Unfortunately, it can be difficult to determine when two aggregatorsarereporting on the sameHYIP. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. Key Takeaways A high-yield investment program (HYIP) is a fraudulent investment scheme that promises high returns, often in excess of 100%. $10 - $500 = 1% daily $501- $2500 = 1. We do not endorse any programs listed here. Welcome to the Hyipinformer. 2% daily for 45 days | 6% daily for 35 days No deposit fee 👉 Withdrawal: Instant, 👉Min withdrawal (5$ in TRON,XLM). Paying. We provide the most reliable information accurate Best Paying Hyip,New Top Paying HYIP Site rating of HYIP programs. Paying or others status is for our hyip monitoring website; it may not be. Enter Paying Profit program information in the 6% in 30 days calculator above and review payout details. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. and so many other services accept cryptocurrency as a mode of payment and give several incentives for people who pay using them. Home The most stable hyip programs The most stable hyip programs You can watch the most stable hyips that are paying for a long time in this page. New investors had to pay a monthly subscription fee of between US$10 and US$99, and provide an initial investment of up to $10,000. You might be wondering how it's possible to find the safest and best paying HYIP programs online. 80 of profit in this Talk Paying 104% for 1 days program. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from. 2. This area includes the most popular HYIPs, which are proven to be paying. A HYIP, or high-yield investment program, is a type of fraudulent investment plan that promises investors extraordinary returns and profits. Please bear in mind that all HYIP investments presuppose high risks. This method of online trading requires you to assure genuinity of the company before investing . Moreover, the profit here is much higher than if you just carried money to the bank. Latest #hyipnewsTrusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. Some programs may be illegal depending on your country's laws. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. Invested: $100. $290. Search for the HYIP program’s. New investors who join a HYIP program are basically paying out investors, who have been registered under the scheme for a longer period of time. Disclaimer: We don't promote or endorse any HYIP programs/projects listed here. The hallmark of an HYIP scam is the promise of incredible returns at little or no risk to the investor. Some programs may be illegal depending on your country's laws. Stay with us and keep vigilant with latest and new Hyip & Autosurfs. Here are some of the ways the scammers will setup their hyip to be untraceable: Offshore domain registration. Choose your Best Hyip and avoid all Scams. Invested: $100. 99 ( 1. program details. CentureAI LLC. We provide you with a secured, safe and 100% guaranteed investment program. We personally invest in each program and update status daily. Your use of this web site is at your own risk. HYIP monitor HYIP explorer is a trusted associate in the high-yield investment program space and the best HYIP monitoring service, along with reliable information and the latest top HYIP project list. By the way, HYIPs are divided into low, medium, and high-yield. All information available on or accessed through this site, is provided "as. best of the best program, you are paying me regularly. nreydans. In doing so, the received funds return with a rather big profit, which. Visit Program Platform. Before you decide to invest in any HYIP or other type of programs, it is. Hyipregister. Please bear in mind that all HYIP investments presuppose high risks. Merobit LTD. Hourly Paying HYIPs. 2 Comments. Find important information to help you decide where to invest. You can also link to leading agencies and make investments with the click. 0. There is no better way to take advantage of a massive ROI (Return on Investment) offering due to market-leading interest rates ranging. 4,Receive Your Interest and Reinvest or Sell e-currency: Sell Perfect Money ; Sell Payeer ; Sell Bitcoin or Sell Ethereum. That is why you should not invest an amount you cannot afford to risk and there are couple of platforms where you can. Paying or others status is for our hyip monitoring. We monitor programs based on investments that we have in programs, inside info that we receive from Web Life members, admin updates and general opinion from around all the HYIP forums. The Bluehost affiliate program is super popular as a web hosting service. Each time an HYIP program listed on the monitor shows the bad signals above, it receives a warning point which reduces its "Trust" percentage. NP. Payment options: PerfectMoney, Tether, Bitcoin, Ethereum, Litecoin, BitcoinCash, Dogecoin, Dash, worked. 0. Uctraders Limited. PAYING: other status: allmonnet | allmoncom: exclusive # Maxvest: HYIP. The Best HYIP - High Yield Investment Programs Rating and Monitoring listing along with information,. We do not endorse any programs listed here. HYIP Programs No Longer Paying Out - Statistics Statistics taken from the HYIP sites help to predict trouble. io is your go-to platform for monitoring and rating high yield investment programs (HYIPs). DISCLAIMER: Please note that we do not promote or recommend any programs/projects/games listed here. High-yield investment programs are unregistered investments that lure investors byTrusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from. llc HYIP Monitor is most reliable Paying HYIPs information about HYIP Investment. Our Investment Plan - 2000% after 2 days min $3,000 for serious Investors. Review(0) Our Investment : $400; ROI : $5. (10 votes) HYIP Monitor, short for High Yield Investment Program Monitor, is an unbiased and official 3rd party online directory where users can access current and accurate information regarding the financial stats of many HYIP websites in real-time. Visit Program Platform. PAYING => NOT PAYING 2023-08-31 03:26:40 Wise Income We Withdrew $1. Uctraders Limited. Luxio Profit Limited. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. Campie. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from. Avoid high yielding investments which guarantee crazy returns such as 10% profit per hour, or 1000% profit per week. 58 USD Comment: Withdra. ” These are unregistered investments typically run by unlicensed individuals – and they are often frauds. Your use of this web site is at your own risk. You should check what others comment on the programs, is it real paying , does the project pay all investors or only pay small investors & monitors. com is most reliable information about HYIP Investment. 4. Discover Premium High Yield Investment Programs, each with high ROI percentages. We help you to avoid scam in HYIP world. 5% Daily For 55 Business Days. We monitor HYIPs to show you their. PAYING 100% RCB: Min Deposit: $20 Max Deposit:. Referral program. In this way, HYIPs blend elements of both Ponzi and traditional pyramid schemes into one scheme that can spread faster than ever before. HYIP online programs have different interest payment terms, and you need to know all the rules before you join up with one. Min. InvestSpot is the best HYIP Monitoring and Rating website, providing the most reliable information about high yield investment programs and high RCB offers. Because of this, they are one of the convenient ways for affiliate bloggers looking to make money online. Payout Date: 2023-11-06 11:37:01 Batch: 2096478 From: E049807 Amount: 4. Kraffton LTDNov 5, 23. Problematic HYIP &. The problem is identifying a HYIP that is actually going to pay out at all. I understand that there are many HYIP that have stood the test of time. In the NEWBIES tab, you learn what exactly an HYIP is, as well as how to start and maintain an investment. Some programs may be illegal depending on your country's laws. HYIP additionally called an excessive yield funding program, may be pretty volatile because of the complete HYIP market. Paying 9% Daily for 13 days, 18% Daily for 10 days, 200% After 7 Days, 300% After 5 Days. HYIP monitor HYIP. HYIPs accept investments that are as small as 10 USD and claims that they. The data they provide on a daily basis has greater use when collected on a daily basis. HYIP needs to somehow invite new customers and pay other investors money. When you start your research into HYIPs, you'll quickly find that there are hundreds. The most popular HYIP program may have been BitConnect. Choose a Service: HYIP Monitor, HYIP Articles, HYIP Compares, Provides HYIP list, HYIP tools, HYIP Ads, FREE HYIP Infomation. Guizhou Panjiang Refined Coal Co. Each user receives a unique link upon registration, which attract new clients. 95/month and one-time payouts starting at $65+, the cost barrier is low, and the commissions are high. Hyipmaster is an expert investment advisor and can help with investment services. I read everywhere on lot of sites about HYIP scams, and in some I invest too. I am looking for platforms where I can register and make money on a daily basis from the high-yield Investmen programs. Your use of this web site is at your own risk. transactions special membership online transactions protecting technologies great profits experience working reliable program easily find private transactions rules acquired money safety. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. C. [1] Hyipregister. Therefore. 43. In this way, HYIPs blend elements of both Ponzi and traditional pyramid schemes into one scheme that can spread faster than ever before. Past performance of programs will not guarantee the same or similarperformance in the future. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. Find on the leading allmonitor the right HYIP investment sites. Our plan: Deposit Amount. ALLHyipMonitor. Past performance of programs will not guarantee the same or similarperformance in the future. We have the best hyip rating & monitor to provide you the fastest and the most accurate information about HYIPs (high yield investment programs). All of these tools are added to help investors, Please do not misuse. Status: Paying Online: 2020-02-02 (1384 D). info: Always fresh information about all hyip programs at the one site! Naale: Dec 11 2017, 11:59 AM. Description (Plans): 6. Below are the basic statistics tools, you can easily browse the best HYIP programs. The materials presented on this site may not reflect the most current legal developments, verdicts or settlements, or the correct law of the jurisdiction in which you reside. This is cryptocurrency forum why you share HYIP in USD, and when you say that some of HYIP website is legit/paying 1 year I want to see proof some screenshot proof of payment (but your). #HYIP Program: Monitor Status:. The materials and. The graph shows the ratio of new and. not paying: 8 : 20 +-The Alpha Way. HYIPs which accept PayPal. Payout Date: 2023-11-18 18:34:01 Batch: 2126370 From: E052360 Amount: 1. We usethe website address of the HYIP as a. We have the Best HYIP monitoring and rating information about many HYIPs currently working. io Review. Net (@HyipNet). Exclusive Hyip Programs. Past performance of programs will not guarantee the same or similarperformance in the future. 0. ( 6 Monitors ) afteral. Referral: %3. e. Plan (Return on Investment) For Example. We help you to avoid scam in HYIP world. Welcome to Investors-Protect. They have the most advanced cryptocurrency market trading technology. HYIP monitor HYIP. HYIP monitors are great to check the program and see if it pays but they mostly list programs paying high returns like over 10% daily and these HYIP usually do not last long, so a lot of investors get scammed by believing that the program is able to generate this kind of interest for a long. com is most reliable information about HYIP Investment. The investors show theirs own investment ideal to the internet, if people interesting , they can invest together. Some programs may be illegal depending on your country's laws. Monitors claim to publish HYIP payment statuses for the benefit of investors, revealing whether a HYIP is paying, having difficulties paying, or has stopped paying entirely. Hyip Monitor; Most Stable Hyips; Most Stable Hyip Programs. Blockchain is a cutting-edge technology, and interest in it has grown along with the popularity in cryptocurrencies. Payout Date: 2023-11-10 07:56:02 Batch: 2105026 From: E051901 Amount: 1. Please bear in mind that all HYIP investments presuppose high risks. com is an amazing HYIP Monitor New Hyip programs,Safe top hyip programs provider,with Validate SSL certificate. ru MONITORING - Up to 1500% RCB. Past performance of programs will not guarantee the same or similarperformance in the future. [2017-06-04] GladiatorBot – added by HolgernovStatus Paying Online 20171018 28 D Monitored 28 Days Last Paid 2 days ago. Monit-s. com is a easy to use tool that helps you calculate the growth of your investment in High Yield Investment Programs 1. Please bear in mind that all HYIP investments presuppose high risks. ⇒ Btcclock. These types of hyip’s are total scams and do not pay any investor even a single cent. These HYIPs may offer off top payouts or consistent payouts, so smart investors are flocking to earn money. Bithour. We have the best and fairest hyip rating and monitoring system, providing you the fastest and the most reliable information about HYIPs (high yield online investment programs). 49 2023-08-12 02:06:57 Wise Income We Withdrew $1. Paying high yield investment programsA high-yield investment program (HYIP) is a type of Ponzi scheme, an investment scam that promises unsustainably high return on investment by paying previous investors with. Bitstarsinv LimitedTrusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. deposit: $ 30 Withdrawal: Business days. 4%, 2%. In this time frame, you can gain HYIP. They are typically run by unlicensed. Hyipregister. 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All of these tools are added to help investors, Please do not misuse. Offshore hosting regisration (or register with fake details) Offshore bank accounts in fake names (opened with fake documents) Use virtual credit/debit cards for payments. Paying or others status is for our hyip monitoring website; it may not be. com, the scam checker. As the largest HYIP monitoring hub and database, HYIP. Discover Premium High Yield Investment Programs, each with high ROI percentages. Min. For others, HYIP investing always seems hit and miss at best. com is most reliable information about HYIP Investment. Paying since 2014 and always consistent withdrawals This project is simply the best, massive profits :) Payment Batch - The amount of 20 USD has been deposited to your account. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. Payment options: PerfectMoney, Tether, Bitcoin, Ethereum, Litecoin, BitcoinCash, Dogecoin, Dash, worked. The system itself does not actually generate any profit , as the owner of HYIP does not invest the new partners’ deposits, nor is there any actual product that would generate money. Some HYIP programs may take off as it were great status seals on their destinations and expel or produce awful once. 1. High Yield HYIPs. The minimum investment is 0. Morals and ethics aside, it is possible to profit nicely in the beginning stages of a HYIP. But we track the best paying, most popular HYIPs so you don't have to waste time on the scams. 5% daily HYIP Payout Details: Days Day Until Crossover: 29: Crossover. 1. Org Brings You Best Paying HYIP Programs Online. The investors show theirs own investment ideal to the internet, if people interesting , they can invest together. Insured. paying. G-miner. Find this week's best HYIPs by seeing which are consistently paying. Minimum amount: $50. Stop Losing Money on Scams, Earn with Real Paying HYIP! If you are reading information on the risks of investing in HYIPs (High Yield Investing Programs normally pay you approximately 1%-6% daily on your investment) and quickly lost your money. We do not endorse any programs listed here. Past performance of programs will not guarantee the same or similarperformance in the future. Your use of this web site is at your own risk. InvestSpot is the best HYIP Monitoring and Rating website, providing the most reliable information about high yield investment programs and high RCB offers. com is a easy to use tool that helps you calculate the growth of your investment in High Yield Investment Programs 131% for 1day, days program. Hyipmonitors24 is the best solution by which to find the specific investment plan of HYIP programs. Additional analysis is provided below:Check bitopex. gov, most of these programs are PONZI schemes that you should avoid. Alfa Forex OnlineTrusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. Please bear in mind that all HYIP investments presuppose high risks. Find on the leading allmonitor the right HYIP investment sites. High-Yield Investment Program - HYIP: A fraudulent investment scheme that purports to deliver extraordinarily high returns on investment . Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for. Please bear in mind that all HYIP investments presuppose high risks. All-HYIPs. All HYIPs; New HYIP +1; Popular;. This area includes the most popular HYIPs, which are proven to be paying status and have no current issues. It involves paying returns to earlier investors with money invested by new investors. In one recent HYIP, the company offered memberships that purported to provide investors with up to a 60 percent profit in 100 days. The usual technique is the 50/50 split — a half of the profit stays in the investment program, and half is withdrawn safely. our HYIP monitor Warsaw-related will tell you reliable information about High Yield Investment Programs that polish people can take advantage of. The Best HYIP - High Yield Investment Programs Rating and Monitoring listing along with information, strategies and HYIP articles, news, advice make money online on HYIP investments,PayPal crypto Canada,Crypto crash today,Bitcoin crash 2023,bitcoin price falling,protonmail,crypto investment monitoring Our investment program is one of the most easy and effective ways of getting high (or even extremely high) income while just working on computer at home for only a few hours a day. On Tuesday, officials announced a program that would give 15 owners of single-family homes up to $400,000 each for such projects, which could include building. Most HYIP that give high ROI, if they are still paying, will not give last long. It is very important to note that HYIP does not last long and it will end up scamming the people. While they maintain a facade of being legitimate investment companies that make money by trading in commodities, stocks, foreign. Total interest of 2500% will be paid after one hour. Use VPN’s to access their website (virtual private networks)HYIP Monitor - Best Investment Programs. A HYIP monitor is a website or online platform that tracks and monitors high-yield investment programs (HYIPs). We invest in every HYIP website listed here and check the daily payments to track actual paying HYIPs 24/7. : 4,904: Paying: Transaction View information about a bitcoin transaction. 84% of daily income where you can get income from 15 satoshi every 60 sec. 3% daily for 55 days | 4. It is safe to use solidtrustpay to invest in these solidtrustpay HYIP Programs. Before you decide to invest in any HYIP or other type of programs, it is wise to check the program on many investment monitors to check if this program really paying or not. When you start your research into HYIPs, you'll quickly find that there are hundreds. HYIP is short for 'High-Yield Investment Program' which are basically programs that (can) earn people/investors a lot of money in a short time period. 0. All of these tools are added to help investors, Please do not misuse. Visit Program Platform. 13 Funds Broker. Check our hyip list, monitor your favorite programs, and stay up-to-date with our comprehensive hyip analysis. HYIP monitor HYIP. 0. Trusted Top Hyip Monitoring service for Longest Top Paying HYIPs,Hyip list and Bitcoin HYIP Programs with 0% listing fee, We offer 200% to 2000% referral commission back for investors from all HYIPs. com is a trusted associate in the high-yield investment program space and the best HYIP monitoring service, along with reliable information and the latest top HYIP project list. 00, your investment start date is 10/10/2023, your term of investment is 1 Days and is compounded, and you elect to. 5%; Deposit Min: 10 USD;A High Yield Investment Program (HYIP) is an online version of a financial scam in which investors are promised extremely high rates of return on their in-.