List of Top Online Money Making SCHEMES In Nigeria


I am writing this post to educate EarnBaser and not to criticize or condemn any system. That is why I encourage you to contribute meaningfully to this post rather than abusing or insult other readers.

Just early this morning I was thinking about the numerous online; like: MLM, Ponzi, peer 2 peer, community helping community or online investment scheme. This is because these online schemes mean different things to different people. That is why I have chosen to call them by different names that are common. But before we go any further I think it is pertinent to define some common terms used in these online schemes; if it not Ponzi then it is MLM.

What is Ponzi? A Ponzi scheme (/ˈpɒn.zi/; also a Ponzi game) is a fraudulent investment operation where the operator, an individual or organization, pays returns to its investors from new capital paid to the operators by new investors, rather than from profit earned through legitimate sources.

What is Multi-level marketing (MLM)?  MLM is also called pyramid selling, network marketing, and referral marketing, is a controversial pyramid-shaped marketing strategy where profit is theoretically derived from two revenue streams: from a sales force of a participating salesperson compensated via the direct sales generated by the salesperson, as well as from the sales of other salespeople that the participating salesperson has recruited and of their recruits down the line.

Honestly speaking, there are lots of people doing these online schemes secretly, and appear innocent to the public. Personally, I know some bloggers, bankers, doctors and even business people doing some of them.  I will be listing some of the schemes I have been hearing lately and we keep updating the list frequently!



  1. MMM ( MMM is not a bank, MMM does not collect your money, MMM is not an online business, HYIP, investment or MLM program. MMM is a community where people help each other. MMM gives you a technical platform which helps millions of participants worldwide to connect those who NEED help to those who are ready to PROVIDE help, for FREE.  All transferred funds to another participant are your help given by your own good will to another one, absolutely gratis. If you are completely confident and certain in your actions and make your mind to participate, we kindly ask you to study carefully all warnings and instructions first. In cases of any matter regarding the topic Our online consultants are ready to help and answer all of your questions.


  1. Zarfund ( ZARFUND was born out of the frustrations experienced with two other similar systems. We looked critically at the current models and wanted to fix the issues that plagued those systems to create a system that would benefit our members. The shortcomings of the other two systems and the frustrations it caused to members as well as the admins of those programs necessitated a revolutionary rethink of the system that removes all those issues that keep people from benefiting from the system as they should.


  1. iCharity ( is a member to member donation campaign where you donate to become a member of ICharity Nigeria. Icharity grants you access to membership site and you begin to earn money with just a ₦6,000 investment. Now With the ₦6,000 investment you join our club, you will be able to earn money with the power of your investment. You earn money while in different grades of the club. There are 10 Grades. AtGRADE 1 you will be able to earn 30,000 and it continues to grow as you upgrade to a higher grade.


  1. HelpingRevolution ( Helping Revolution is a brand new Peer to Peer donation program that pay you 50% of your Provide help amount in just 7days. This program is very unique because the ideology follow that of MMM Nigeria that most Nigerians are already used to. MMM Nigeria has been experiencing a whole lot of media misrepresentation and misinterpretation. The whole idea is great but the external forces are just too keen at killing the system.

Helping Revolution just came on board and it’s damn attractive even beyond MMM. With Helping Revolution, 200% return on provide help (PH) amount in 30days is achievable because 50% is given in 7days. Some will argue that the return is too much and it will kill the system early. Nope!

Helping Revolution has all measures in place to ensure the longevity of this program. One of such is that any amount you provide help (PH) on your first provide help (PH) will be automatically re-PH for you a day after you Get help. This means that you cannot do hit and run or reduce your provide help (PH) amount. So, this ensures that members continuously contribute to the community thereby making enough cash available in circulation to ensure the longevity of the program.


  1. Cool Naira ( Coolnaira is a People-Helping-People Online Referral Network. You participate with at least minimum of ₦1,000, and then introduce people to participate under you using your referral link or username with the same amount and earn 50% commission from their payment. You will get your payment back in no time + huge profit in the long run.

I don’t have anything against all these online scheme as they are better than online betting in my view.

Please, let me know if there is anyone left out!

21 thoughts on “List of Top Online Money Making SCHEMES In Nigeria”

    • I have heard good review about the followings:
      1) Bit4bits
      2) Helping hands international
      3) coolnaira

      However, the only one I do is BIT4BITS.
      I hope this helps.


  1. Well good list but missing one and the best of all. I’m surprise multinaira is not on the list. All you need is just N1000 and you can get over N10 million help within a very short time because you only need to refer two people but you can also choose not to refer anybody because the system always spillover people. You can use my referral link to register at and you will be amaze you did.

    • @Ayedun, $10 = N5,500. Please, note that the dollar conversion rate of bitcoin is different from the normal dollar conversion rate.
      Thanks for visiting EARNBASE

  2. @Earnbase , please text me your referral link to join bit4bits… i tried but it was asking for referral link. here is my number please you can text me the link there so i can join thru you. 08064687048

  3. For the past two days now I hv been trying to login helping revolution but it is showing technical issues n error 503. Has d scheme collapsed?

    • @Prettymum, I don’t know, but PONZI schemes are meant to collapse becuase they were built primarily to SCAM people. However, I wrote this post to educate you and not an endosement for investment. If you want to do any profitable and reliable Networking business then do BIT4BITS!

  4. Pls earnbase, i really want about how one can register in Helping Evolution.
    How to fund it….(Ph) which is in dollars. How reliable is the platform.
    Besides why are they even talking about bitcoin?
    Pls explain it to me.

    • @Golden, unfortunately I am not doing Helping Revolution because the business is a PONZI scheme and as such it’s not reliable. So, I am not advising you to join the system either.
      Although, I have a better system that is more stable and trusted by business people; Bit4bits!
      I will be writing about Bit4Bits very soon.
      As for Bitcoin, it is better to do investment in Bitcoin than Naira.


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