“High Yield Investment Program” (HYIP)
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Fixed daily/weekly ROI, referral tiers, fake audits, MT4/MT5 screenshots, no custodian, “unlock” fees, Telegram-only support |
None.
HYIP is a Ponzi label. There is no regulated product with that name. |
Loss of principal, wallet blacklists, chargebacks to you if you resell it |
Covered call income
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Promising “monthly income with no downside,” hiding that upside is capped |
Covered call ETFs or DIY covered calls on large-cap indices or single stocks. Distributions come from option premiums, not magic. |
Capped upside, path dependency, dividend classification, volatility regime shifts, potential underperformance in strong bull runs |
Crypto with leverage
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“20x leverage is safe,” “AI bot cannot lose,” account managers controlling your keys |
Futures or perpetual swaps on regulated or reputable exchanges. Position sizing, stop losses, funding costs, and margin rules apply. |
Liquidation risk, slippage, exchange risk, smart contract risk if on-chain, tax complexity |
Yield farming/liquidity mining
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APY screenshots with no source, “zero impermanent loss,” anonymous team controlling admin keys |
On-chain liquidity provision in audited protocols with transparent emissions and real volume |
Smart contract exploits, oracle failure, impermanent loss, token dilution, governance attacks |
Private credit “monthly pay”
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Promised fixed coupon without borrower details, no loss history, no auditor, offshore shell pitch decks |
Regulated funds or notes with named administrator, auditor, and independent valuation; documented borrower pools |
Default risk, gating, extension risk, model risk, manager concentration |
Structured notes “double-digit coupon”
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Only the coupon is shown, barriers and issuer credit risk hidden in fine print |
Bank-issued notes with clear payoff diagrams and term sheets; pricing tied to volatility and rates, not wishes |
Issuer risk, barrier breach, poor secondary liquidity, complex tax treatment |