Is Xifra a Scam? It's a CBD MLM Investment Pyramid Scheme!

Is Xifra a Scam? It’s a CBD MLM Investment Pyramid Scheme!

Welcome to my Xifra review!

The CBD niche is relatively new in the MLM industry, even though it fits right in with the health and wellness niche. This is mostly because CBD MLM companies are still uncommon and we’ve only reviewed a few of them here at Smart Affiliate Success. 

We are disappointed to find out that there are some CBD MLM companies that end up to be nothing more than pyramid schemes. 

This program happens to be one of them. 

Today we’re reviewing Xifra, or Xifra Lifestyle.

First of all, I must Congratulate you for taking your time to do your own research before buying into any "seemingly good" product.

That's the way to avoid scams and find the legitimate way to make money online!

Let me be completely transparent with you, I'm not associated with Xifra in any form.

So, rest assured that I'm not here to pitch or sell anything to you.

Instead, I'm here to reveal what this MLM scheme is all about...

Xifra Review Summary

Product Name:  Xifra Lifestyle

Founder:   George Goodman (Probably fake)

Product Type:  CBD MLM

Price:  $300 minimum investment

Best For:  No one!

Is Xifra a Scam Image Summary

Summary:  Xifra is a MLM company that operates in the CBD and ROI niche, but it's nothing more than one big pyramid scheme. There are several red flags on top of their pseudo-compliance, such as no retail products and 100% focus on recruitment. 

Rating: 1/100

Recommended: No!

More...

What is Xifra?

Xifra, or Xifra Lifestyle, is a MLM or multi-level marketing company that operates in the health and wellness niche. It also operates in the investment niche. How that’s possible, we’ll find out momentarily. 

Xifra offers CBD-infused products that help with weight management, libido, and detoxifying. But this is not the main draw of the program. 

Is Xifra a Scam - Landing Page

Is Xifra a Scam - Landing Page

The main draw of the program is its investments into their Cannabis plantations, located in Colorado and California. We don’t know if this means anything or not in the CBD industry as a whole, so that’s all we have to say about where they are located. 

The company launched on October 2019th, and their website was also registered at the same time. However, the domain registration was done privately so we don’t know who owns the website or where it operates from. 

There’s no information about who owns the program on their landing page. However, their marketing video presents someone named George Goodman. He’s listed as the CEO of Xifra and speaks Spanish all throughout. 

Is Xifra a Scam - George Goodman

Is Xifra a Scam - George Goodman

There’s no other information linking George Goodman to any other business ventures outside of Xifra. This means that the person on their marketing video might be an actor. 

Their corporate address is listed in Mexico, but their marketing material is targeted towards people in Costa Rica and some countries in South America. 

And yes, with our due diligence, it appears that CBD is legal in South America however unregulated. It’s only Colombia and Uruguay that have legalized selling CBD over the counter. Some of the countries that legalized medical marijuana include Colombia, Chile, Argentina, and Peru. 

You can refer to their regulations here.

Xifra Product Line

There are no retail products or services made available within Xifra’s income opportunity. Rather, you subscribe to their program and earn money by investing in their plantations. 

Their membership also includes several CBD products that cover weight loss, libido, and detoxifying purposes. 

4 figure monthly passive income
Jerry Huang, Founder of Smart Affiliate Success

I'm Jerry!

I Created My Own 4-Figure Monthly Passive Income at just 21 Years Old!

Does The Product Work?

Their income opportunity doesn’t involve selling the CBD products. In fact, these CBD products are only bonuses to your subscription and investment. 

They claim that your ROI is generated via trading and cannabis plantations, which they have in Colorado and California. 

There’s no evidence that revenue is generated by either. 

Because they offer ROI’s as an income opportunity, this constitutes a securities offering. This would mean they’d need to be registered with the SEC or any of its counterparts in different countries to carry out trading and investment activities on behalf of their clients. 

Is Xifra a Scam - Passive Returns

Is Xifra a Scam - Passive Returns

There’s no proof that they’re registered with them either. And this means that they’re committing securities fraud if they’re caught. 

This leaves us to believe that the only source of income that they have is through new member subscription and investments. 

There’s no retail component to their income opportunity as well. There’s no incentive to sell the products that you get from subscribing. 

As with most pyramid schemes, once recruitment stops, the money stops coming in too. This will dry out the company and force the owners to exit the scheme. 

In the end, they make the most money and their members don’t get a piece of it. 

How To Make Money with Xifra?

There’s only one way to make money from Xifra and that’s to recruit people. You build a team, pool investments, and earn a commission. 

How To Get Started with Xifra?

Their membership fee starts at $115. Full participation requires a minimum investment of $300 and a maximum of $50,000. 

Xifra Compensation Plan

ROI Commissions

Xifra offers different investment packages that you can take part in by investing in Bitcoin. 

The promised ROI is between 0.5 to 2% daily. The total cap of your ROI is 200% unless you invest in their plantation funds which is capped at 240%. 

All investments appear to pay out in Bitcoin as well.

Ranks And Qualifications

Xifra has a ranking system that you can take advantage of to maximize your earnings. There are a total of 12 ranks in the company and you’ll need to recruit people to move up in the rankings. 

The higher your ranking is, the more money you make from their income opportunity.

Referral Commissions

There are 2 levels of referral commissions from Xifra. This is through: 

  • Regular

  • Plantation

Investing in Regular investment plans get you 8% referral commissions on the investments and 2% on the 2nd level. 

Plantation investments get you 10% on personal recruits and 3% on your second level. Additional levels get you 2%.

Residual Commissions

These are commissions you earn from building a team. Their residual commissions follow a binary compensation structure where your personal recruits are placed on your left and right leg. These are designated as your level 1 and you earn a base commission from these levels. 

When your level 1’s get new members, they create a new leg for themselves and these are now their level 1’s. Their recruits become your level 2’s.

And this goes on for infinite.

Xifra Ugly Truths Revealed!

#1 Why Investment? 

We don’t understand their business model at all. What’s the incentive to invest in these plantations? Selling the plants from these plantations can sustain the company on its own right. Plantations don’t need third-party investments to generate income.

This is just probably another form of pseudo-compliance to drive the regulatory agency’s eyes away from their red flags.

#2 Pyramid Scheme Red Flags!

It doesn’t really help that their incentives are all focused on recruitment. There’s no incentive for selling the products associated with Xifra. You only get these products because you’re subscribed to the program and that’s it. 

A MLM company that focuses too much on recruitment will get the attention of the FTC and its global counterparts. 

#3 Securities Fraud!

Let’s not forget that you’re committing securities fraud if you promote this program and make money out of the members you conned into joining. 

They are not registered with financial institutions to carry out these activities on behalf of their members.

What I Like About Xifra?

There’s nothing to like about Xifra. We’re 100% sure it’s a pyramid scheme.

Is Xifra a Scam?

Xifra is 100% a pyramid scheme because it has all of the red flags of one. 

The incentives are focused on recruitment and don't incentivize selling products. They also don’t offer retail products for sale, so that’s an additional red flag in itself. 

The biggest disappointment here comes from their attempt at securities fraud. This is because they are not registered with any financial institutions to carry out financial activities. 

Again, Xifra is not a program that you’d want to get into. 

If you want to get into the CBD and MLM industry, then you’re better off with CBD Biocare.

How I Make a Living Online?

I'm not a fan of MLM, not because it's illegal or not profitable, but because of all the restrictions and the expensive costs involved.

Instead, Affiliate Marketing is my top recommended business model for anyone to make money online.

The reason is simple...

  • You don't have to recruit anyone to make money
  • You have the freedom to promote any products you want and not being restricted to only promote the products from one MLM company
  • It's Free to get started

In fact, with affiliate marketing...

I've personally created a 4-Figure Monthly Passive Income Stream and become financially independent at just 21 years old without any College degree or working experience!

Through my own hard work, I went from a broke restaurant waiter to living my dream laptop lifestyle in less than a year's time...


If you want to discover the secrets of how I did it at such a young age, click here!

Justin Hagen
 

Justin has worked as an SEO and content specialist for the last 9 years. His success in the industry has allowed him to graduate from college, pay for a wedding, and pay for their first car. He recently joined Jerry as a writer for the Smart Affiliate Success blog.

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