Ragfi Review: Is This Investment Platform Legit or a Risky Scam?

The platform offers three investment tiers promising 4%, 6%, or 8% daily returns “forever.” Investors need a minimum $20 deposit, with no upper limit. Profits can be withdrawn daily (minimum $5), but canceling plans within 24 hours incurs a 10% fee. A 10% referral commission encourages recruiting new investors, resembling a multi-level marketing (MLM) model. This structure suggests reliance on new funds to pay existing investors, a hallmark of Ponzi schemes.

Compensation Plan Details

Mathematical Unsustainability

The promised returns are unrealistic. Let’s break it down:

• 4% Daily Return: A $1,000 investment grows to $3,243 in 30 days (224.3% monthly) and $1.76 million in a year (176,000% annually).
• 8% Daily Return: A $1,000 investment becomes $10,063 in 30 days (906.3% monthly) and $2.06 trillion in a year (206,000,000,000% annually).
  
  

These figures are calculated using the compound interest formula: A=P×(1+r)n A = P \times (1 + r)^n A=P×(1+r)n, where P P P is the principal, r r r is the daily rate, and n n n is the number of days. No legitimate market, including volatile meme coins, can sustain such returns. For 1,000 investors with $1,000 each, the platform would need $40,000 daily at 4%, far exceeding typical decentralized exchange (DEX) trading volumes.

Comparison with Legitimate Investments