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> Pyramid scheme: making money based on recruiting an ever-increasing number of "investors."

This is correct. While looking into this for a friend I came across: "for a full year, you'll earn 0.5% APY on what each person you refer deposits" [1]. Still not a pyramid scheme, since 0.5% is a small fraction of the total yield paid out, but pyramidesque.

[1] https://stablegains.zendesk.com/hc/en-us/articles/4409440197...



It's not a pyramid, it's an inverted funnel.




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