3FO.AI is the latest Ponzi scheme being pushed by Shavez Ahmed Siddiqui, a serial promoter who has already left a trail of collapsed projects behind him.

Recently featured in a Bloomberg Documentary as the “predecessor of Sam Lee,” Shavez was exposed for peddling fake credit card claims through his failed project 9Pay — where he falsely claimed Visa was backing his platform. Visa publicly denied any association, forcing a hasty rebrand into Lquid Pay.

The sudden shift from 9Pay to Lquid Pay wasn’t innovation, it was damage control — a desperate attempt to shed a toxic name after investigative reporting revealed the fraud. But the tactic is nothing new for Shavez. He repeatedly launches scams that mimic the branding of legitimate companies to create a false sense of credibility. Just look at the pattern:

Now, with 3FO.AI, Shavez has simply recycled the same smoke and mirrors formula: membership packs disguised as “products,” guaranteed weekly yields dressed up as “DeFi,” and a 15-level MLM pyramid to funnel new deposits. The brand name may change, but the scheme remains the same.

PDFWhat 3FO.AI Claims (From PitchDeck)

  • “The Next‑Gen Affiliate OS.”
  • Products: LiquidPay Choice Card ($100), Protocol Yield “Whale Pass” ($100), LFG Starter Pack ($100).
  • DeFi Fund: “Weekly yield” in ETH, “audited smart contracts,” “managed by the 3FO core team.”
  • Packs: Ignition Pack $500 (includes $5/week “passive yield”), Yield Plus Pack $500 (adds another $5/week), “lifetime access.”
  • Earning Multipliers: 2x / 3x / 4x “earning potential” unlocked by staking BTCC (1:1 or 1:2).
  • Comp Plan: 15‑level unilevel, “Builder’s income on yield… forever,” rank bonuses from $1,000 to $10,000,000.

Red Flag #1: They Sell Passes, Not Products

LiquidPay card, Whale Pass, LFG Starter are access rights—paywalls to join the game—not real retail goods. When revenue comes from selling memberships to new participants rather than selling a product to outside customers, you’re in pyramid territory.

Receipts (slides):

  • “Lquidpay Choice Card ($100).”
  • “Protocol Yield—Whale Pass $100.”
  • “LFG Starter Package ($100)… Affiliate Potential: Up To $300.”

Red Flag #2: Guaranteed Weekly Yield

They promise predictable, weekly payouts (e.g., “Earn $5/week from day 1” via their packs). In real finance and real DeFi, returns aren’t guaranteed and definitely not fixed weekly in ETH.

Receipts:

  • “Your Fast‑Track To Future Finance… Weekly yield from Day 1.”
  • “DeFi Fund: Smart Passive Wealth… generates Weekly Yield.”

Red Flag #3 (Smoking Gun): Yield Depends on Recruitment

Their own comp‑plan slide states: “Yield is generated from DeFi fund performance and may vary weekly based on recruitment.” That’s an admission that payouts are linked to new money coming in, not market performance—textbook Ponzi mechanics.

Receipts:

  • “Yield… may vary weekly based on recruitment.”
  • “3FO shares 50% of the DeFi fund’s internal yield earnings with the community… distributed across 15 levels based on your team’s active yield wallets.”

Red Flag #4: 15‑Level Downline Commissions = Illegal Pyramid Indicators

Income is unlocked by recruiting direct referrals to open deeper levels (up to 15). They even show “crazy income” tables built on chain‑recruitment math (e.g., 5→25→125…).

Receipts:

  • “Get paid up to 15 levels deep.”
  • “Level Unlock Breakdown… Required Direct Referrals to unlock each level.”
  • “Imagine if just 5 people per level bought the $500 Ignition Pack… over 30 million people.”

Red Flag #5: BTCC Staking “Multipliers”

To “double,” “triple,” or “quadruple” earnings, you must stake BTCC (their in‑house token). This is value‑less tokenomics to force fresh deposits and lock users in.

Receipts:

  • “2x without staking, 3x with 1:1 staking, 4x with 1:2 staking.”
  • “Go MAX with BTCC staking (1:2)… unlock 4x potential.”

Red Flag #6: Pay‑to‑Play Packs With Fixed ROI Claims

Ignition Pack ($500) and Yield Plus ($500) are promoted as direct pathways to 2x/3x/4x earnings, and the slides literally say: “You can double your money… just by sharing this pack!” That’s an investment return promise tied to recruitment.

Receipts:

  • “Default Earning Potential: 2x = $1,000.”
  • “Stake once, earn more — simple… Unlock 3x… Unlock 4x.”
  • “You can double your money through 3FO’s affiliate model just by sharing this pack!”

Red Flag #7: Outlandish Rank Bonuses

The “Rank Ladder” dangles $1,000 up to $10,000,000 one‑time payouts for hitting team volume milestones (built from subscriptions, not retail demand). Completely implausible outside a cash‑cycling scheme.

Receipts:

  • “Rank rewards… $1,000 to $10,000,000.”
  • “Maintain 3 active legs (40:30:30).”

Red Flag #8: Multiple Skims and Controls

A 5% withdrawal fee taxes every exit, padding the house. Daily ETH payout claims on Base chain are irrelevant when the money flow is recruitment‑driven.

Receipts:

  • “5% admin fee is applied on all withdrawals.”

Red Flag #9: Regulatory Exposure

They market: fund access, AUM caps, success fees (50%), fixed yield, downline revenue sharing, staking multipliers—all investment language. Offering to the public without licenses, registrations, audited financials, KYC/AML clarity, or a prospectus is a regulatory minefield (securities/financial promotion violations). If a “DeFi fund” is paying weekly yield to affiliates and sharing “internal earnings” across 15 levels, regulators will see unregistered securities + pyramid scheme.

Red Flag #10: Pre‑Launch Hype Cycle

The slides are engineered to harvest deposits before launch: flashy space graphics, rank gamification, lifetime access, exponential team math, millionaire rewards, “guaranteed weekly yield,” and token staking. This is a launch‑and‑suck‑in cycle; when growth slows, payouts stall, and blame shifts to “market conditions.”

Receipts: Verbatim Lines From the Deck (Screenshots Provided)

  • “Guaranteed Weekly Yield.”
  • “Earn $5/week from Day 1.”
  • “3FO shares 50% of the DeFi fund’s internal yield earnings with the community… distributed across 15 levels.”
  • “Yield… may vary weekly based on recruitment.”
  • “Default Earning Potential: 2x = $1,000… 3x with 1:1 staking… 4x with 1:2 staking.”
  • “You can double your money just by sharing this pack!”
  • “Rank bonuses from $1,000 to $10,000,000.”

How This Typically Ends

Schemes built on membership pack sales, internal token staking, and guaranteed weekly payouts always collapse when recruitment slows. The “yield” dries up because it was never market yield—it was new deposits.

Questions Promoters Can’t Answer (Use in lives/interviews)

  1. Who is the licensed fund manager and in which jurisdiction is the fund registered?
  2. Where is the legally required prospectus or PDS outlining risks, strategy, fees, and audited performance?
  3. Which independent firm audited the “smart contracts,” and where is the report?
  4. What external revenue sources (not pack sales, not staking BTCC, not new recruits) finance the weekly ETH payouts? Provide verifiable wallets and trade records.
  5. Who issues the LiquidPay VISA card (BIN sponsor, program manager, jurisdiction)? Is there a cardholder agreement?
  6. Why does your comp‑plan slide say yield varies “based on recruitment” if payouts come from DeFi performance?

Advice to Readers

  • Do not deposit. Fixed weekly yields + 15‑level commissions = engineered losses for latecomers.
  • Document everything: screenshots, wallet txids, promo calls, upline messages.
  • Report locally: Financial Markets Authority (NZ), ASIC (AU), SEC/State AG (US), FCA (UK), plus your bank if funds moved.
  • Avoid “recovery” services. Most are secondary scams.

Short Shareable Too Long; Didn’t Read

3FO.AI is selling membership packs and “yield” backed by recruitment, not real profits. The deck literally states payouts “may vary weekly based on recruitment.” Add 15‑level MLM commissions, BTCC staking “multipliers,” and $10M rank bonuses, and you’ve got a classic Ponzi‑pyramid hybrid set to implode.

Disclaimer: How This Investigation Was Conducted

This investigation relies entirely on OSINT — Open Source Intelligence — meaning every claim made here is based on publicly available records, archived web pages, corporate filings, domain data, social media activity, and open blockchain transactions. No private data, hacking, or unlawful access methods were used. OSINT is a powerful and ethical tool for exposing scams without violating privacy laws or overstepping legal boundaries.

About the Author

I’m DANNY DE HEK, a New Zealand–based YouTuber, investigative journalist, and OSINT researcher. I name and shame individuals promoting or marketing fraudulent schemes through my YOUTUBE CHANNEL. Every video I produce exposes the people behind scams, Ponzi schemes, and MLM frauds — holding them accountable in public.

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