No Response, No Excuses

TMX Global did not answer basic questions about who issues their cards, which banks they partner with, or why their “affiliate” plan looks exactly like multi-level marketing.

We offered Adam Key and Brian Rhodes the chance to clarify. Silence. So here are the receipts.

What TMX Says It Is

Their videos and page copy claim “borderless banking,” “full-stack financial engine,” and “Tier-1 banking structure.” They talk about financial inclusion and “banking the unbanked.” It’s the usual fintech-utopia language: big mission, zero specifics.

What Their Affiliate Pitch Really Is

The affiliate video admits the core mechanics:

  • Three-tier commissions: 30% / 10% / 5%
  • “Titan Bonus”: $10,000 when you hit $100,000 in direct enrollments
  • “Global rewards pool”: 30% or 70% of monthly revenue for Gold/Black card holders
  • Recruitment call-to-action: “Get back to the person who invited you”

That is textbook MLM. Yet their YouTube description tries to deny it (“not network marketing,” “no payments for recruitment”). Transcript vs. description = contradiction.

Pay-To-Play, Not Real Banking

Access to the product is gated behind one-time “activation fees” of 250 / 500 / 1000 USDT (Signature/Gold/Black). Legitimate payment cards do not require inflated buy-ins to unlock “global limits.” Here, the “product” is paying to join the game and then getting paid to bring in others. That’s pay-to-play dressed up as fintech.

The VISA/Mastercard Claim Problem

If a company truly issues cards on VISA/Mastercard rails, it must name:

  • the licensed issuer/BIN sponsor
  • the program manager
  • the regulated partners/jurisdictions

TMX names none. No BIN sponsor. No issuer. Just grand claims. That’s a major red flag for anyone who has ever worked with real card programs.

White-Label Masking (QuantumFi Global Overlap)

The registration portals tell the story:

  • TMX Global signup: affiliate.tmxglobal.io/register
  • QuantumFi Global signup: affiliate.quantumfiglobal.io/register (same flow; was down during our check)

Identical affiliate backends strongly suggest a white-label scheme where the “card” is just a skin sold at ridiculously inflated prices to fund tiered commissions. We’ve seen this movie before.

Compliance By Google Docs

TMX hosts critical Terms & Conditions and AML policy on public Google Docs. Real financial programs host compliance on their own secure domains with version control, legal archiving, and audit trails. Google Docs for AML/T&Cs is amateur hour and a liability dodge.

The Signup Flow Screams MLM

Their own registration screen includes “Partner ID” and “Referring customer attribution.” That’s not retail banking; that’s downline tracking. Legitimate consumers don’t need to credit a “upline” to get a debit card.

“Not Our First Rodeo”: Rhodes’ Track Record

Brian Rhodes appears again and again at the center of collapsed or rebooted MLM-crypto plays. Credit to BehindMLM (Oz) for years of documentation:

  • FastBNB (2022): Collapsed. “Temporary halt” spin after the contract was drained. Rhodes appeared on the update webinar. Source: behindmlm.com/companies/biman-das-claims-fastbnb-collapse-just-a-temporary-halt/
  • EasyMatic (2022): Collapsed in ~1 month. 0.5%–1% daily, capped at 200%. Rhodes listed as a Facebook group admin. Source: behindmlm.com/companies/easymatic-ponzi-scheme-collapses-website-gone/
  • QunoMine (2022): Reboot of BNB Robot with a BEP-20 “QunoCoin” and 1%–4% daily claims. Rhodes promoted under “Digital Passive Education.” Source: behindmlm.com/mlm-reviews/qunomine-review-bnb-robot-ponzi-rebooted-with-qunocoin/
  • Capitalium (2023): “AI + LIUM token” hype. Collapsed within ~2 months after withdrawal blocks and a bogus “refund” ruse. Rhodes, Tim Waider, “Master Trader Jake,” Mike Dwyer pushed it to western investors. Sources:
    • Review: behindmlm.com/mlm-reviews/capitalium-review-chatgpt-ai-grift-lium-token-ponzi/
    • Collapse: behindmlm.com/companies/capitalium-collapses-withdrawals-disabled/
  • TradeTribe (2024): Capitalium reboot with the same faces (Rhodes, Waider, “Trader Jake”). Source: behindmlm.com/mlm-reviews/tradetribe-review-capitalium-scammers-launch-reboot-ponzi/

Pattern: polished websites, recruitment-heavy comp plans, and rapid collapses. TMX Global fits the pattern—only the wrapper is different (a “crypto card” instead of “AI trading”).

The Questions TMX Refused To Answer

We asked for basic proof. They chose silence. Here are the unanswered questions every prospect deserves answers to:

  • Who is your licensed card issuer/BIN sponsor? Name the bank and program manager.
  • Which jurisdictions are you actually licensed in? Provide registration numbers.
  • Why do buyers pay 250/500/1000 USDT “activation fees” for a card? Where does that money go?
  • What percentage of revenue comes from real card usage vs. affiliate signups?
  • Why does your affiliate video promote 30/10/5 tiers, Titan bonuses, and revenue pools if this is “not MLM”?
  • Why are your AML/T&Cs hosted on public Google Docs instead of your own secure domain?
  • Why does your signup portal mirror QuantumFi Global’s? Who is the white-label provider?
  • Brian, will you confirm your roles in FastBNB, EasyMatic, QunoMine, Capitalium, and TradeTribe? If the reporting is wrong, what’s the correction? If it’s right, why should the public trust TMX Global?

Practical Advice For “Mum & Dad” Investors

  • If a card requires a big upfront fee, walk away. Real cards charge modest issuance/usage fees, not paywalls.
  • If earnings depend on recruiting, it’s not finance—it’s sales.
  • If the issuer, BIN sponsor, and regulator aren’t named, assume they don’t exist.
  • If compliance lives on Google Docs, you’re the product, not the customer.

My Position

I offered a sponsored review option to fund deeper investigative work. They declined to engage. I’m publishing these findings regardless because the public deserves clarity. If TMX Global, Adam Key, or Brian Rhodes supply verifiable documentation (issuer/BIN sponsor, licenses, audited partners), I’ll update this page in full. Until then, the red flags stand.

Credits & Sources

Tip of the hat to Oz at BehindMLM for long-form reporting that helped establish the Rhodes timeline and pattern:

TMX materials used: their own public videos, affiliate transcript (30/10/5 tiers, Titan bonus, revenue pools), intro video transcript, YouTube descriptions, Google-Docs-hosted AML/T&Cs, and the affiliate signup page showing Partner ID and Referring Customer fields. We asked for comment. None was provided.

Update

One of our Avengers, known as The Terminator, has taken action — the TMX Global website has now been removed from the internet. That should tell you everything you need to know about the stability and legitimacy of this so-called “crypto banking” platform.

When real financial services collapse, regulators shut them down. When scam projects collapse, they vanish overnight — just like TMX Global.

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.

My PODCAST is an extension of that work. It’s distributed across 18 major platforms — including Apple Podcasts, Spotify, Amazon Music, YouTube, and iHeartRadio — so when scammers try to hide, my content follows them everywhere. If you prefer listening to my investigations instead of watching, you’ll find them on every major podcast service.

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