Those HYIPs that are not ponzi schemes are frequently outright scams. Investors not only are never paid any interest yield, they also never see their original investment in the HYIP again either. If the returns sound too good to be true, the HYIP is likely too good to be true. Claims of secret banking systems and alternative financial networks are simply false. In fact, the problem became common enough to cause the Federal Bureau of Investigation (FBI) to issue warnings about being taken in by the claims made in these fraudulent programs. You are probably best off if you heed their warnings.

If you are considering on making an investment in a HYIP be certain to do diligent research first. Any legitimate security that is sold to the public must be registered with the Security and Exchange Commission (SEC). If the HYIP you are considering is not registered, you should not invest. Other questions to ask yourself include, whether the claims to good to be true, and how the people running the program generate the high yield returns that you are being promised. You should be careful of the claims people make regarding some secret network or principle that allows them to make excessive returns. If the proponents of the HYIP cannot or will not explain how the returns are made then you may want to avoid investing in the program.

Be very carful when investing money online. More than likely you will get scammed. Don't invest more money then you can afford to lose, and always treat Online HYIP investing as a gamble instead of investment.

The introduction of e-currencies has made it possible for HYIPs to operate on the internet and across international boundaries, and to accept large numbers of small denominations. HYIPs usually accept deposits by either e-currency, like e-gold, Liberty Reserve or use specialist third party payment processors like AlertPay, SolidTrustPay, PayTreck, CEPTrust, TriStarMoneyChangers and StormPay.

For an automatic exchange, choose the necessary pair of currencies and press button
0	E-gold WMZ WMR WMU WME WMB WMY WMG Pecunix Liberty USD Liberty EUR UkrMoney USD UkrMoney UAH V-Money
0	E-gold WMZ WMR WMU WME WMB WMY WMG Pecunix Liberty USD Liberty EUR UkrMoney USD UkrMoney UAH V-Money

Automatic eCurrency exchange WebMoney, v-Money, E-Gold, Pecunix, Liberty Reserve, UkrMoney

In such "games", the first participants ("investors") may make a good profit and are encouraged to refer other people to the program because of referral commission, the fact that they have already made back their principal and are playing with profit, and that the more people who deposit money, the more money can be paid out to participants. In theory, strategies can be developed to maximize profit using these games (but, of course, since this is a zero-sum game, such strategies work by taking advantage of ignorance or errors by others). Some forum users may gain a reputation whereby others will trust their word that they have been able to withdraw their profits, encouraging others to invest in the hopes that more will invest after them and that they can therefore make a profit. As these games are by definition Ponzi schemes, it is inevitable that the vast majority of players who are not at the top of the pyramid will lose their money.

These "games" might be considered as lotteries. However, the odds of winning cannot be determined, as one cannot know whether one is playing early enough to win money (that is, whether a sufficient number of new participants will follow). Thus, these activities are unlike a lottery or other forms of gambling, where a player has an equal chance of winning no matter when a ticket is bought, or where the odds of the game are known.

HYIP monitors, or HYIP listing/rating sites, are personal or commercial websites that list and/or promote HYIPs for referral commissions. The monitor charges each HYIP a listing fee which is usually then invested into that program, although there exist free listings and occasionally monitors which invest their own money. The monitor then labels the HYIP as "Paying" or "Not paying/Scam" depending on whether interest is received within the terms specified by the program.

Monitors also allow other HYIP investors to rate and comment on the programs, based on factors such as promptness of payouts and responsiveness of the HYIP administrator. Programs with higher ratings achieve higher rankings on the monitor sites, which coupled with a "Paying" status may entice more investors who rely on the monitor.

HYIP owners can manipulate monitors and forums, by paying people to comment positively or by using a range of IP addresses or proxy servers in different locations so that "paying" votes appear to come from around the world. This allows the HYIP to rise up the rankings more quickly than others, giving investors a false sense of security. Additionally, even if they know it will scam in the future, some HYIP players will also rate new HYIPs positively until the HYIP stops paying, because they want more people to invest after them in the hopes that the program will last longer. Future schemers can also build up a good reputation on forums for a large payoff once most forum members trust them.

The problem is seen as many monitors appear only to make certain programs more acceptable and trustworthy. It basically shows the true face of the HYIP scene.

On the other hand, autosurfs which require an investment and promise to pay a profit must, to not be a Ponzi, have other sources of income which can yield the high percentages they offer. Therefore, they often come under attack for failing to reveal their income sources or not registering with the proper authorities as a legitimate investment company. Ponzi schemes will end when no new investors are found, and it follows that autosurf sites have rather short lifespans, existing from one week to a few years depending on the popularity and "investment plans" offered.

AutoSurf Sites usually accept deposits by either e-currency, like e-gold, Liberty Reserve or use specialist third party payment processors like Paypal, AlertPay, SolidTrustPay, PayTreck, CEPTrust, TriStarMoneyChangers and StormPay.

In comparison, autosurfers are paid to view pure advertising (that is, advertisers' websites) for a certain amount of time (usually, less than 30 seconds). Interested viewers can pause the surf timer or open any site in a new window, giving themselves more time to peruse an ad. If the viewer is not interested and does nothing, the surf timer will restart after the specified period of time and a new site will be loaded into the browser. The surf rotation requires no feedbacks of any kind; in contrast to manual surfs, paid to read email or paid to click sites.

Autosurfing allows members to promote websites of their own choice, according to a system of credits earned by surfing. Members usually earn credits in a fixed ratio to the number of sites they view. Member-promoted websites may or may not be their own websites. If not, they are most often the members' referral page at another autosurf or an online money-making program. This is because many autosurfs are structured as pyramid schemes: members may earn a commission for each site that their referrals view, and are therefore encouraged to build a downline.

In the case of investment autosurfs, members either pay a fee to join and/or to upgrade their account level. This fee can usually vary from a few cents to thousands of dollars, and the minimum and maximum is set by the site operator. The program then offers a commission based on the member's account level for viewing a minimum number of sites, for example, for a period of X days, every day that the member views Y sites, Z% of the upgrade fee will be credited and can be withdrawn from the site. The product of Z% and X is always over 100% to ensure that the member makes a profit. Members also have even more incentive to build a downline because further commissions are received based on the amount of money that referred members put in or earn.

Some countries have ruled that matrix schemes are illegal on that basis. Matrix sites usually accept deposits by either e-currency, like e-gold, Liberty Reserve or use specialist third party payment processors like AlertPay, SolidTrustPay, PayTreck, CEPTrust, SafePay, TriStarMoneyChangers and StormPay.

Many systems will sell their electronic currency directly to the end user, such as Paypal and WebMoney, but other systems, such as e-gold, sell only through third party digital currency exchangers.

As the allegro expandsion of internet economical applications ,the using of ecurrency will be the trend in the coming future just like credit card application before . But however there is no unified defination to the ecurrency service industries .For exalpme ,Will we define a ecurrency company as the bank service or just a finacial service firm ?This question remains gray area.