Xifra Lifestyle provides no information on its website about who owns or runs the company.

Xifra Lifestyle’s website domain (“xifralifestyle.com”) was privately registered on October 14th, 2019.

Further research reveals Xifra Lifestyle marketing videos featuring “George Goodman”:

Goodman is presented as CEO of Xifra Lifestyle and speaks Spanish.

Outside of Xifra Lifestyle there is no information on Goodman available, casting doubt on whether that’s the individual’s real name.

In an attempt to appear legitimate, Xifra Lifestyle provides a corporate suite address in Mexico on its website.

Most of the Xifra Lifestyle marketing I’ve come across appears to be targeting South America, namely Costa Rica.

As always, if an MLM company is not openly upfront about who is running or owns it, think long and hard about joining and/or handing over any money.

Xifra Lifestyle’s Products

Xifra Lifestyle has no retailable products or services, with affiliates only able to market Xifra Lifestyle affiliate membership itself.

Bundled with Xifra Lifestyle affiliate membership are a range of nutritional supplements:

  • 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, choose four boxes of +DTX or Xtrong
  • Silver – $280 monthly subscription, choose either eight boxes of +DTX or four boxes of both +DTX and Xtrong
  • Gold – $520 monthly subscription, choose 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

Despite being featured on Xifra Lifestyle’s website, CBD Premium doesn’t actually appear to be available.

Xifra Lifestyle’s Compensation Plan

Xifra Lifestyle affiliates 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

There are also “plantation fund” investment plans available:

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

Plantation fund investment plans pay 10% monthly for 24 months (240%).

Xifra Lifestyle Affiliate Ranks

There are twelve affiliate ranks within Xifra Lifestyle’s compensation plan.

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

Xifra Lifestyle pays a referral commission on invested funds down two levels of recruitment:

  • level 1 (personally recruited affiliates) – 8%
  • level 2 – 2%

Plantation fund investment referral commissions are paid down three levels of recruitment:

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

Residual Commissions

Xifra Lifestyle pays residual commissions via a binary compensation structure.

A binary compensation structure places an affiliate at the top of a binary team, split into two sides (left and right):

The first level of the binary team houses two positions. The second level of the binary team is generated by splitting these first two positions into another two positions each (4 positions).

Subsequent levels of the binary team are generated as required, with each new level housing twice as many positions as the previous level.

Positions in the binary team are filled via direct and indirect recruitment of affiliates. Note there is no limit to how deep a binary team can grow.

At the end of each day Xifra Lifestyle tallies up new investment volume on both sides of the binary team.

Affiliates are paid 7% to 12% of funds invested on their weaker binary team side.

  • sign up as a basic affiliate for $115 and receive a 7% residual commission rate
  • invest at X300 or X500 and receive an 8% residual commission rate
  • invest at X1000 and receive a 9% residual commission rate
  • invest at X3000 to X10000 and receive a 10% residual commission rate
  • invest at X15000 or X25000 and receive an 11% residual commission rate
  • invest at X50000 and receive a 12% residual commission rate

Once paid out on, investment volume is matched on the stronger side and flushed.

Any leftover volume on the stronger binary team side carries over.

Matching Bonus

Xifra Lifestyle pays a Matching Bonus on residual commissions earned by personally recruited affiliates.

The Matching Bonus is paid via a unilevel compensation structure:

A unilevel compensation structure places an affiliate at the top of a unilevel team, with every personally recruited affiliate placed directly under them (level 1):

If any level 1 affiliates recruit new affiliates, they are placed on level 2 of the original affiliate’s unilevel team.

If any level 2 affiliates recruit new affiliates, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

Xifra Lifestyle caps the Matching Bonus at five unilevel team levels, based on rank:

  • Executives receive a 3% match on level 1 (personally recruited affiliates)
  • Sapphire Executives receive a 3% match on level 1 and 2% on levels 2 and3
  • Emerald Executives to Black Diamonds receive a 3% match on level 1, 2% on levels 2 and 3 and 1% on level 4
  • Royal Black Diamonds and higher receive 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 receive a Mont Blanc pen
  • qualify as a Ruby Executive and receive a “last generation iPhone”
  • qualify as an Emerald Executive and receive a MacBook Air
  • qualify as a Diamond Executive and receive a “cruise trip around the world with 3 destination options”
  • qualify as an Emerald Executive and receive a Rolex Yacht Master II
  • qualify as a Black Diamond and receive an Audi A3
  • qualify as a Royal Black Diamond and receive a Mercedes Benz GLC
  • qualify as a Crown Black Diamond and receive a Porsche 911
  • qualify as a Royal President and receive a Lamborghini, Rolls Royce or Ferrari

Joining Xifra Lifestyle

Basic Xifra Lifestyle affiliate membership is $115.

Full participation in the attached income opportunity requires an initial $300 to $50,000 investment, plus a $15 membership fee.

In the products section we covered additional affiliate membership fees and bundled products. These don’t appear to have anything to do with Xifra’s MLM opportunity.

Note that all payments within Xifra Lifestyle are made in bitcoin.

Conclusion

Xifra Lifestyle represents that it generates ROI revenue via trading and cannabis planatations.

No evidence of Xifra Lifestyle participating in any of these activities is provided.

More importantly, Xifra Lifestyle’s passive returns constitute a securities offering.

Xifra Lifestyle provides no evidence it has registered with financial regulators in any jurisdiction.

This means that at a minimum Xifra Lifestyle is committing securities fraud.

Despite operating illegally the world over, Xifra Lifestyle affiliates claim the company operates legally in Mexico and the US:

As it stands the only verifiable source of revenue entering Xifra Lifestyle is new investment.

Using new investment to pay advertised returns makes Xifra Lifestyle a Ponzi scheme.

With no retail component, the MLM side of Xifra Lifestyle functions as a pyramid scheme.

As with all MLM Ponzi schemes, once affiliate recruitment dries up so too will new investment.

This will starve Xifra Lifestyle of ROI revenue, eventually prompting a collapse.

The math behind Ponzi schemes guarantees that when they collapse, the majority of participants lose money.



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