Loan Ledger Review: Is This Crypto Platform Legit in 2026?
In this Loan Ledger review, Scams Radar looks at key details for potential investors. The platform promises crypto investment through AI arbitrage and daily returns. But many seek answers on the loanledger.net AI trading legit status. We combine facts from public records and analysis. Our goal is clear insight into risks and operations.
Table of Contents
Part 1: Ownership and Background Details
Loan Ledger ties to two companies. One is in the UK: LOANLEDGER AI SYSTEMS LTD. It formed on May 12, 2025. Company number is 16443424. The address is 30 St. Mary Axe, London. This spot is a known virtual office hub.
The other is in Australia: LOANLEDGER AI SYSTEMS PTY LTD. ACN is 687 155 031. It registered on May 16, 2025. The address is 530 Collins Street, Melbourne. This also serves as serviced office space.
William Carter appears as the sole director in both. He holds major control in the UK firm. Born in 1984, he lives in Australia, according to records. No other roles show for him in UK filings.
Marketing names a full team. This includes Harrison McCarthy as CTO. Benjamin Kingston as CFO. Lionel Schultz as CIO. Miguel Guerrera as CMO. Wendy Parker as HR Director. Yet none appear in official papers. Checks find no outside proof of their roles. Some reports suggest these could be made-up profiles.
Loan Ledger William Carter, CEO, claims stand out. But no past business links surface. No criminal records tied to him or the firms. Still, the setup raises doubts. Recent start dates clash with big claims like a $150M safety fund.
Domains add to the mix. Loanledger.net was registered in November 2025. Others include loanledger.io from June 2025. Short history fits new ventures. But it questions long-term plans.
Part 2: Compensation Plan Breakdown
Loan Ledger runs a referral program. It uses a unilevel setup. This means wide recruitment with levels deep. Not binary or matrix as some say.
Ranks start at Basic. They go up to the boss. Higher ranks unlock more levels. Basic gives 3 levels. Business offers 7. Lead provides 10. Boss unlocks 12.
Commissions are paid on deposits. No need for your own deposit to earn. Basic level rates:
- Level 1: 5%
- Level 2: 0.5%
- Level 3: 0.5%
- Level 4: 0.3%
- Level 5: 0.2%
Total: 6.5% of a deposit.
At the Boss level, it expands:
- Level 1: 16%
- Level 2: 6%
- Level 3: 4%
- Level 4 to 6: 2% each
- Level 7 to 12: 1% each
Total: Up to 38%.
Cashflow from direct referrals drives rank-ups. Commissions withdraw instantly. This setup pushes recruitment. It fits HYIP patterns where growth relies on new funds.
The Loan Ledger referral program appeals to many. But it diverts deposits from trading. For a $1,000 input, up to $380 may go to fees. Leaves $620 for use.
2.1 ROI Claims and Why They Raise Concerns
Plans include automated trading and manual trading. AI plans: 0.75% to 2.75% daily for 30 days. Manual: Up to 3.8% daily for 150 days. Principal returns at the end.
Take 3.8% daily. On $1,000: $38 per day. Over 150 days: $5,700 profit. Total back: $6,700.
Yearly: 3.8% times 365 equals 1,387%. Compounded: Over 81 million percent. Loan Ledger 3.8% daily unsustainable math shows strain.
Add commissions. Trading pool shrinks. Real arbitrage yields under 1% after fees. Markets compete away edges fast.
Loan Ledger arbitrage bot scam worries stem here. No audits back claims. Loan Ledger manual trading team oversight sounds good. But no proof exists.
Compare to norms:
Investment Type | Annual Return | Risk Level | Notes |
Bank Savings | 4-5% | Low | Safe, insured |
Real Estate | 5-8% | Medium | Rental yields |
Crypto Staking | 5-15% | High | Volatile |
Loan Ledger | 1,387% | Claimed Low | Unrealistic |
Part 3: Public View and Promotion
Traffic is low as new site. HYIP monitors track it. Russian groups promote on X. Handles like @Profit__Hunters push it. They backed past HYIPs that failed.
Telegram: @loanledger_en. YouTube promos show funds. But many tie to other Ponzi schemes. Avoid Loan Ledger investment warnings that grow on forums.
Is Loan Ledger a Ponzi HYIP? Math suggests inflow reliance. Loan Ledger instant withdrawal reviews mix early positives with later delays.
3.1 Regulatory and Security Notes
Claims say regulated by Australia’s RBA. But RBA handles policy, not licenses. ASIC does that. No AFSL found. UK FCA shows none either.
Loan Ledger Australia PTY LTD registration exists. But it’s just a company setup. No finance approval.
Security: EV SSL and 2FA mentioned. Good basics. But no audits. Crypto-only payments: USDT, BTC. Loanledger.net USDT deposit plans start at $10. Irreversible trades add risk.
Loan Ledger Scamadviser low trust score: 37/100. VirusTotal clean. Trustpilot 4.6/5 from few reviews. Loan Ledger Trustpilot 4-star fake concerns arise. Some see bias.
Red Flags List
- Recent launch mismatches big claims.
- Unverified execs beyond William Carter.
- High daily returns defy market norms.
- MLM focuses on deposits over profits.
- No real regulation proof.
- Crypto payments lack protection.
- Promoters link to failed schemes.
Future Outlook
Patterns show early payouts. Then delays of 6-12 months. By mid-2026, issues may arise if inflows drop. Loan Ledger AI systems are operational now. But sustainability is doubtful.
Loan Ledger New Zealand branch mentions surface. No proof found.
Final Thoughts on Loan Ledger Review
This Loan Ledger review 2026 scam check shows high risks. Math and structure point to concerns. Check ASIC and FCA yourself. Consult experts. Past results don’t promise the future. We share facts for smart choices.
Welbit Review Trust Score
A website’s trust score is an important indicator of its reliability. Welbit currently reflects a worryingly low rating, raising serious concerns about its legitimacy. Users are strongly urged to exercise caution.
Key red flags include low web traffic, negative user feedback, potential phishing risks, undisclosed ownership, unclear hosting details, and weak SSL encryption.
With such a poor trust score, the likelihood of fraud, data breaches, or other security issues is much higher. It is crucial to carefully assess these warning signs before engaging with the Welbit or similar platforms.
Positive Highlights
- We found a valid SSL certificate
- DNSFilter labels this site as safe
Negative Highlights
- The Tranco rank (how much traffic) is rather low.
- The age of this site is (very) young.
Frequently Asked Questions Welbit Review
This section answers key questions about Welbit, providing clarity, addressing concerns, and highlighting issues related to the platform’s legitimacy.
Not confirmed too many red flags.
Mostly unclear; referrals seem central.
No, those rates are typically unsustainable.
Registration ≠ regulation; licensing looks absent.
Yes high ROI + MLM structure is a common risk pattern.
Other Infromation:
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