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WhatsApp Ponzi Scam


If you thought you’ve heard the last of Ponzi schemes with the demise of Mavrodi’s MMM, then better think again. Some desperados have taken to the WhatsApp platform with this time-tested con of fleecing greedy folks of their hard-earned money. I came across this dude plying his dark arts in a WhatsApp ground and decided to engage him, below is a transcript of our chat.
 His comments are in red, mine in blue.

pod: Hi
9/13/18, 13:47 - pod: I want to know more about the smile
9/13/18, 13:48 - pod: Smile to wealth
9/13/18, 14:26 - ‪+234 816 263 5423: good afternoon
9/13/18, 14:26 - ‪+234 816 263 5423: SMILE TO WEALTH is a paying platform were you donate and get double back in less than 20 minutes
9/13/18, 14:26 - ‪+234 816 263 5423: It's a pear to pear donation
9/13/18, 14:26 - ‪+234 816 263 5423: All you need to do is to chose a package you want to go for from our list
9/13/18, 14:27 - ‪+234 816 263 5423: 😊😀*SMILE TO WEALTH INVESTMENT*
*smile to wealth provides a medium where members can donate to each other and support each other financially, in order to achieve their financially pay a one-time investment of N5,000, and you will be paired to receive N10,000 within 20minutes*
*Isn't that great? You get extra N5,000 without breaking a sweat*
*Some may say it's too good to be true, but we say: it is very good, and it is true*
*It's working! People are getting paid everyday! Don't miss this golden opportunity!*
*A trial will convince you* *Thank you!*
*SMILE TO WEALTH!*
*SMILE TO WEALTH!*
*THESE ARE THE PACKAGES*
*DONATE 5K AND GET 10K*
*DONATE 10K AND GET 20K*
*DONATE 15k AND GET 30k*
*DONATE 20K AND GET 40K*
*DONATE 30K AND GET 60K*
*DONATE 40K AND GET 80K*
*DONATE 50k AND GET 100k*
*DONATE 100K AND GET 200K*
*DONATE 200K AND GET 400K*
*DONATE 150K AND GET 300K*
*DONATE 400K AND GET 800K*
*DONATE 300K AND GET 600K*
*DONATE 500K AND GET 1MILLION*
*ALL WITHIN FEW MINUTE*
*QUESTION: IS REFERRALS* *NEEDED??*
*ANSWER:  NO*
*QUESTION : IS IT PAYING*
*ANSWER: YES*
*✅✅✅*
*QUESTION: HOW LONG DOES IT TAKE TO GET PAID ??*
*ANSWER: LESS THAN* *20MINUTES*
*JOIN NOW!!!*
*IT DOES NOT NEED ANY REFERENCE PAY AND GET PAID*
 *CALL THE OFFICE ON* *08162635423 FOR MORE INFORMATION*
*OR click on the link below to leave a message*
👇👇👇
*https://api.whatsapp.com/send?phone=+2348162635423*
*IN GOD WE TRUST*
9/13/18, 14:27 - ‪+234 816 263 5423: Then you will have to send me your account details and your phone number
9/13/18, 14:27 - ‪+234 816 263 5423: And I will be sending you the beneficiary account details which you will be making your payment to
9/13/18, 14:28 - ‪+234 816 263 5423: Once your payment is verified you will be pear to the person that will pay you your double income in less than 20 minutes
9/13/18, 14:28 - pod: Wow, 20 mins
9/13/18, 14:28 - ‪+234 816 263 5423: Yeah it's very fast and reliable
9/13/18, 14:29 - ‪+234 816 263 5423: It's not like MMM that you will have to refer any body before you get paid
9/13/18, 14:32 - pod: Am interested, I would like to start with the 5k package
9/13/18, 14:40 - ‪+234 816 263 5423: OK
9/13/18, 14:40 - ‪+234 816 263 5423: That's 5k to get 10k
9/13/18, 14:41 - ‪+234 816 263 5423: Are you ready for transaction now
9/13/18, 14:46 - pod: Yes
9/13/18, 14:46 - ‪+234 816 263 5423: Send me your account details and your phone number
9/13/18, 14:46 - ‪+234 816 263 5423: Hope you do mobile transfer
9/13/18, 14:47 - pod: Hmmm, I don't oh
9/13/18, 14:47 - ‪+234 816 263 5423: BELLO MARK 8*****7111 ECO BANK.
9/13/18, 14:47 - pod: Have a lot of cash in my account, so I try to guard it
9/13/18, 14:47 - ‪+234 816 263 5423: You are making payment to that beneficiary account
9/13/18, 14:48 - ‪+234 816 263 5423: How do you intend making payment
9/13/18, 14:48 - pod: I'll pay cash
9/13/18, 14:48 - pod: Is that a problem?
9/13/18, 14:48 - ‪+234 816 263 5423: Not at all
9/13/18, 14:49 - ‪+234 816 263 5423: It's ok
9/13/18, 14:49 - ‪+234 816 263 5423: Forward your account details
9/13/18, 14:50 - pod: Let me pay, then I'll forward my account, pls give me some time
9/13/18, 14:50 - ‪+234 816 263 5423: OK no problem
9/13/18, 14:51 - ‪+234 816 263 5423: But please don't throw away the teller
9/13/18, 14:51 - ‪+234 816 263 5423: Because you will have to snap it and send
9/13/18, 14:51 - ‪+234 816 263 5423: As evidence
9/13/18, 14:52 - pod: Okay, I Will


The first question anyone should ask is where is the money that will double the “donation” come from? If I and say nine other people donate five thousand naira, where will the fifty thousand naira needed to double our initial investment come from? Is he now the national agency for poverty eradication with a foreign donor grant going about giving out free cash? If he has the Midas touch, in this case which doubles any money he comes across, why doesn’t he keep doubling his own? I think this is just a ruse to scam people off their cash and most likely the account number is for the scammer or an associate. I put this up here as a warning to be careful on WhatsApp and social media groups as these tend to be filled folks eager to fleece you off a few bucks.

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