Is Xifra Lifestyle Legit or A Ponzi Scheme? [Unbiased Review]

If you have stumbled across it, Xifra Lifestyle sells itself as a company engaged in innovation and disruption.

The people in charge of it have even mentioned that they are experts in financial markets, health and wellness, and providing knowledge in technology. Their purported goal is to show people how to gain wealth and freedom.

If you are interested in finding out if this company is legit or running a ponzi scheme disguised as a legit company with legit investment plans, you have come to the right place because in this unbiased review of Xifra Lifestyle, we take a closer look at the mlm company.

Before I start…

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Table of Contents

Xifra Lifestyle Review

After doing my research and analysis, I found that Xifra has not publicly shared any information about the person who runs or started the company. To be precise, Xifra Lifestyle runs its business anonymously. It reminds me of programs like Click Into Wealth and Mary’s System.

Now, as per the information I found concerning its domain, Xifra’s official website has been active since 14th October, 2019.

On their website, I have found a few videos where the CEO George Goodman gives you a quick overview of the company highlighting its aim, vision, investment volume, investment packages, and other pertinent details.

It doesn’t take much to realize that most of these details are generic because George does not provide us with any accurate and to-the-point information about Xifra Lifestyle and its products.

Their vision reads:

“We create the opportunity to grow professionally and financially by providing technological tools and financial education to improve people’s quality of life.

Making it possible for people all over the world to have the opportunity to generate a higher income.”

Now, I found that to be vague until I read the vision that states:

“Our vision is to create a technologically disruptive company that develops cutting-edge financial models to become the company with the largest and most efficient technology in the industry, through innovation, leadership and talent of the people within the organization.”

There isn’t a whole lot of helpful information about the company there.

This looks like an MLM company that emphasizes on recruiting new affiliates because it doesn’t offer compelling products or services.

Who Owns Xifra?

Xifra is owned by X Tech Crypto Group, a company incorporated in Estonia. X Tech Crypto Group appears to be a shell corporation that was created in 2010. It has no employees or notable activity.

What’s even more worrying is that I could not find out anything substantive about George Goodman, the CEO of Xifra.

I searched the internet and couldn’t find out anything about Mr. Goodman and that’s when I started questioning whether he is even a real person or just some actor posing as someone running the company. The guy you see speaks Spanish.

On top of that, I also found out that Xifra Lifestyle alleges to have a corporate suite address in Mexico (on its website) which they probably did to target audiences/customers/investors from South America.

Xifra Lifestyle Products

Although I mentioned that Xifra does not have any noteworthy products, here are the ones they claim to offer as they entice you to hand over your investment.

The company deals with a range of nutritional supplements sold through an affiliate membership scheme:

Gen-X : A weight loss supplement
+DTX : A detox supplement
CBD Plus and CBD Premium : CBD oil products
Xtrong : male bedroom enhancer

The above four categories of products are the key products offered by Xifra Lifestyle. Each of these products is part of Xifra Lifestyle’s affiliate membership plan.

They also have a trading platform:

And an education service called Decentrauniversity:

They also have a crypto exchange called BixSwap, a wallet called Equinox, and a Blockchain protocol for decentralized insurance called XFA.

Members have the option to make money through this plan as well as through residual commissions and referral commissions, which we will look into.

Xifra Lifestyle Review: Affiliate Membership Plans

In the previous sections, we have talked about the products. Let’s take a closer look at the membership plans through which you can earn money:

Bronze

This is the basic level of the membership plan offered by Xifra. The plan comes with a monthly subscription cost of $160.

It gives members the option to choose between four boxes of +DTX or Xtrong.

Silver

This membership plan has a monthly subscription cost of $280. This plan gives you the option to choose either eight boxes of +DTX or four boxes of both +DTX and Xtrong products.

Gold

This is most expensive plan where your monthly subscription costs $520. This plan gives you the flexibility to choose a wide range of of products in various combinations. For example, you can choose sixteen boxes of +DTX, eight boxes of +DTX, two boxes of Gen-X, four boxes of Xtrong, and two bottles of CBD Plus, or eight boxes of +DTX, four boxes of Xtrong, and two boxes of Gen-X.

Investors can earn commissions too. The company launched a bitcoin based compensation plan where affiliates may invest in bitcoin so that they can earn 0.5% to 2% daily on their investments, capped at maximum of 200%.

Referral Commissions

So far, we have discussed the affiliate membership plans. In this section, we will talk about the referral commission plans offered by Xifra.

The company pays you a referral commission in two basic levels. The first level or level 1 or personally recruited affiliates will earn you an 8% commission and the second level earns you a 2% commission.

In addition to that, there is a separate plantation fund investment scheme where you get three levels of commissions where level 1 earns you 10% commission, level 2 a 3% commission, and level 3 earns a 2% commission.

Residual Commissions

The company also pays residual commissions via a binary compensation structure. The overall commission rate can vary anywhere between 7% to 12%.

To be more precise, the basic level affiliate can earn 7% residual commission.

In the meantime, the top most level where an investor has X50000 potential investments will receive 12% residual commission.

Other Paying Options: Matching Bonus

Xifra Lifestyle has a unilevel compensation structure when it comes to paying matching bonus.

All your new recruits are regarded level 1 affiliates.

As per this structure, if a level 1 recruits new affiliates, the new recruits will be treated as level 2 affiliates.

Similarly, if a level 2 recruits new affiliates, the new recruits will be treated as level 3 affiliates, and so on.

For level 1 affiliates, the matching bonus rate is 3%. For level 2 and level 3 affiliates, the matching bonus rate is 2%. For other low levels of affiliates, the matching bonus will be around 1%.

Xifra Affiliate Ranks

Xifra Lifestyle’s compensation plan has twelve ranks: Affiliate, Senior Brand Partner, Executive, Sapphire Executive, Ruby Executive, Emerald Executive, Diamond Executive , Blue Diamond , Black Diamond, Royal Black Diamond , Crown Black Diamond, and Royal President.

Royal President is the highest level affiliate rank where you can generate $4,000,000 accumulated investment volume and even recruit two Royal Black Diamond.

When you join without any referral or privilege scheme, you will be treated as regular Xifra affiliate. The affiliate can go on to achieve higher ranks like Senior Brand Partner > Executive > Sapphire Executive > … > Crown Black Diamond > Royal President .

As soon as you are eligible for these special affiliate ranks, you will achieve Rank Achievement Bonuses.

For example, when you qualify as a Sapphire Executive, you’ll get a Mont Blanc pen
When you qualify for a Ruby Executive level, you’ll get a “last generation iPhone”
Emerald Executive affiliates will get a MacBook Air
Diamond Executive is entitled to a cruise trip around the world with 3 destination options
Emerald Executive will be receiving a Rolex Yacht-Master II
Black Diamond level is entitled to an Audi A3
When you qualify as a Royal Black Diamond, you get a Mercedes Benz GLC
Crown Black Diamond affiliates get a Porsche 911
Royal President gets a Lamborghini, Rolls Royce or Ferrari

To join the affiliate in the basic level, you will need to pay an affiliate membership cost of $115 and a $15 membership fee (fixed). The investment can be as high as $50,000.

Xifra Lifestyle Financial Markets Complaints

Xifra has had its fair share of flack. People who are often disgruntled about the company operations accuse it of the following shortcomings.

Xifra Lifestyle is not regulated
The company levies high fees in order to get commissions
The company does not let you withdraw money from your account easily
The customer service team is not friendly

Then there’s the fact that you cannot find information about who started the business, who the CEO really is, or the business profile of the company.

The Final Verdict

Technically, Xifra Group appears to be committing securities fraud because the company does not have any financial regulators. Since the company is not approved or authorized by any financial regulatory agency, it’s appears to be an illegal company that has the hallmarks of a ponzi scheme.

There is no transparency about fees, spreads, and commissions. In fact, the fees and commissions are high compared to the industry standard and the platform does not let you to easily withdraw the money.

They sometimes aggressively urge clients to make additional investments, which is exercebated by the fact that the customer service team is not friendly enough to interact with in case if you are facing any issues.

The CEO of the company is not a legit person. In fact, the CEO and owners of this platform are all anonymous. The modus operandi of Xifra is just to register new people as affiliates so that existing members earn commissions.

Be it the residual commission or referral commission, Xifra has all warning signs of a problematic broker. That’s why we have flagged this site as a rogue site.

Please beware of Xifra Lifestyle and its various investment packages like leftover volume, referral commission, residual commission, and more. None of its investment plans is profitable, and you may ultimately end up losing your initial investment.

Before you leave

If you’re tired of scams and want a real solution for making money online check out my recommendation below.

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David Fortune

David Fortune has been the editor NoBSIMReviews.com since 2019. He is an expert at writing content on stock advisory services, side hustles, reviewing online business opportunities and many more topics. You can learn more about David on our about us page.

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