Xifra: HYIP or MLM? – An In-Depth Analysis

Xifra has gained quite a bit of attention in the MLM industry.

This article explores the inner workings of the investment company. It delves into Xifra’s business structure, its roots, ownership, market performance, and revenue generation strategies. 

The article also provides a comprehensive overview of Xifra’s compensation plan to evaluate concerns about it being an HYIP (High-Yield Investment Program).

Read on to get a balanced and objective analysis.

Section 1 – The Company

In this section, we focus on the inner workings of Xifra, uncovering its roots, intrinsic worth, and ownership.

What is Xifra? (video)

Xifra/ Xifra Global Lifestyles/ Xifra Global/ Xifra Lifestyle is a Mexican-based investment company operating under the name Xifra Business Group, SAPI de CV (Sociedad Anónimas Promotoras de Inversión de Capital Variable).

It’s also registered in Delaware as Xifra International, LLC, and operates as a multilevel marketing company.

The company states that it invests in financial instruments and investment funds in cannabis hemp and cannabidiol nutrition products.

Xifra also says that it’s a parent company of several subsidiaries in the health, financial, and technology industries, including:

  • X-HLT/ XHT/ Xifra Health
  • Xifra Crypto Pool Service
  • Xifra Real Estate
  • Xifra Hemp Farming
  • Xifra Charity Foundation
  • Decentra University
  • Bixswap Crypto Exchange
  • Equinox Crypto Wallet
  • XFA Decentralized Insurance

Recently, the company was also planning to transfer its operations and change its name to Decentra.

Market performance

According to Datanyze, Xifra Lifestyle has between 11 and 20 employees, plus revenue of $1M to $5M.

However, in 2022, Xifra’s promoters claimed that it had become a unicorn with a valuation of over $1 billion. The company’s website indicates that Xifra Global Lifestyle had a turnover of $1.2 billion in 2021, with 500 employees worldwide and 84 full-time traders.

This company operates in roughly eight countries in South America, such as Mexico, Colombia, and Peru, as well as the United States, Estonia, South Korea, and others.


Various reputable sources indicate that Xifra was founded in 2015 by George Goodman, while Xifra promoters state that Jonathan Sifuentes started the company.

The El Economista reports that Xifra was registered as Xifra Business Group in the Guadalajara Public Registry of Commerce in February 2020. Goodman held 90% of the shares, and Nayeli Galván Pérez had 10%. In 2019, the company registered Xifra International LLC in Delaware.

Who founded Xifra?

The El Economista states that George Goodman co-founded Xifra in 2015, while the company promoters identify Jonathan Yemelian Sifuentes Saucedo as the founder and director of Xifra.

Who is the CEO of Xifra?

Initially, George Goodman was mentioned as Xifra’s Chief Executive Officer. However, Jonathan Yemelian Sifuentes Saucedo, is mentioned as the director and current CEO.

The company also highlights several other executive officials, and Dr. John C. Maxwell is the official business coach of the Xifra team.

Who is the owner of Xifra?

Xifra is a private company.

The El Economista reports that Goodman held 90% of the shares of Xifra in 2020, and Nayeli Galván Pérez had 10%. On the older version of Xifra Global’s website, X Tech Crypto Group, a company incorporated in Estonia, owns Xifra.

Where is Xifra headquarters?

Xifra LifeStyle’s headquarters is in Mexico at Real 240 Acueducto, Guadalajara, Jalisco, 45116, Mexico. The Jalisco region has a large number of companies offering cryptocurrency services.

However, the company also indicates that its international office is located on the 143rd floor of the Burj Khalifa in Dubai.

Section 2 – Business Model

In this section, we delve into Xifra’s revenue generation strategies, highlighting the combination of its compensation plan and individual earning potential.

Xifra’s business model

Xifra defines its business model as a technology and wellness services company using network marketing as one of its marketing tools.

How many Xifra Independent Entrepreneurs are there?

In a statement to CriptoNoticias on January 7, 2022, Xifra stated that they had 300,000+ “Independent Entrepreneurs” internationally.

Xifra’s MLM compensation plan explained

In Xifra’s MLM structure, Independent Entrepreneurs move up through the following leadership recognition ranks:

  1. Xifra Affiliate
  2. Senior Brand Partner – $4,000 investment on each leg of your binary team
  3. Executive – $10,000 on each binary leg
  4. Saphire Executive – $20,000 on each binary leg
  5. Ruby Executive – $40,000 and an Executive on each binary leg
  6. Emerald Executive – $80,000 and a Saphire Executive on each binary leg
  7. Diamond Executive – $120,000 and a Ruby Executive on each binary leg
  8. Blue Diamond – $320,000 and an Emerald Executive on each binary leg
  9. Black Diamond – $480,000 and a Diamond Executive on each binary leg
  10. Royal Black Diamond – $740,000 and a Blue Diamond on each binary leg
  11. Crown Diamond – $2,000,000 and a Black Diamond on each binary leg
  12. Royal President – $4,000,000 and a Royal Black Diamond on each binary leg

How to make money on Xifra

Xifra offers five methods to earn money.

The first method involves earning a daily interest of 0.5% to 1% (capped at 200%) in the financial market plan. The amount you earn depends on your investment level. For example, an X300 investment level means $300, which makes $1.5 to $2.5 daily.

Here is an overview of earnings for different investment levels.

Xifra investments and compensation plan part 1 - GraphicPin

The second earning method is through a direct bonus, giving a one-time 8% commission for every person you enroll.

Here is an overview of the direct bonus for different investment levels.

Xifra investment levels and compensation plan part 2 - GraphicPin

The third earning method is an indirect bonus, giving a one-time 2% commission for every person your downline enrolls.

Here is an overview of the indirect bonus for different investment levels.

Xifra investment levels and compensation plan part 3 - GraphicPin

The fourth earning method is a binary bonus, which gives a daily 7% to 12% extra commission for the lower volume leg in the binary MLM.

Here is an overview of the binary bonus for different investment levels.

Xifra investment levels and compensation plan part 4 - GraphicPin

And here’s a further explanation of the binary bonus.

Xifra investment levels and compensation plan - GraphicPin

The fifth earning method is a binary matching bonus between 1% and 3%, which applies based on different leadership ranks.

Here is an overview of the binary matching bonus for different leadership ranks.

Xifra investment levels and compensation plan part 5 - GraphicPin

An alternative to the financial market plan is the plantation fund plan which pays a 10% monthly interest (paid from the second month) for 24 months with a total interest of 240%.

The Plantation fund has its own MLM structure that pays out a Cannabis Quick Start Bonus commission down three levels of recruitment:

  • First level – 10%
  • Second level – 3%
  • Third level – 2%

How to join?

Xifra has an online platform for new signups. You’ll need to provide your sponsor’s name, as well as your name, email, country, and phone number.

How much can you make with Xifra?

Xifra doesn’t provide any income disclosure on the company website. Moreover, the company’s disclaimer states that it does not guarantee that Independent Businesses will make money with their program.

How much does it cost to join Xifra?

Note that Xifra only accepts Bitcoin.

To join, you’ll pay a one-time $15 registration fee.

To start earning, you’ll have to buy a license for any of the levels of the financial market investment plans which determine your earnings:

  • X300 – $300
  • X500 – $500
  • X1000 – $1,000
  • X3000 – $3,000
  • X5000 – $5,000
  • X10000 – $10,000
  • X15000 – $15,000
  • X25000 – $25,000
  • X50000 – $50,000

You can also buy a license for any of the levels of the Plantation fund investment plans:

  • X2500 – $2,500
  • X5000 – $5,000
  • X10000 – $10,000
  • X15000 – $15,000
  • X25000 – $25,000
  • X50000 – $50,000
  • X75000 – $75,000
  • X100000 – $100,000

Section 3 – Potential Issues with Xifra MLM

This section covers the major issues and concerns raised about Xifra, with a factual analysis based on verifiable information.

Xifra is structured as an HYIP

Xifra is structured as an HYIP (high-yield investment plan). The promised daily returns ranging from 0.5% to 1% add up to an annual return of 182.5% to 365% (capped at 200%). In comparison, the average annual return on stocks in the past decade was 13.8%, which is one of the highest-earning investment options.

The SEC’s Office of Investor Education and Advocacy (OIEA) warns that HYIPs are scams that promise incredible returns (annual returns of 30% to 40+%) with little to no risk to the investor.

That said, before making any investment decisions, thoroughly research the investment opportunity and consult with a financial advisor.

A Potentially high-risk investment

Since Xifra promises high returns, it’s likely to come with high risk, which is typical of high-return investments.

This is seen in investments like the stock market, which is considered the highest-return investment over time but comes with higher risk. The stock market is more volatile than bonds which offer lower returns (1.6% annually) at lower risk.

Cases of failed withdrawals

Several users have reported being unable to withdraw their funds from Xifra.

In 2022, Xifra announced that it would change its name to Decentra while temporarily preventing investors from withdrawing their money until September during a migration process. These actions raised red flags and caused concern among investors.

Not a member of MLM associations

Xifra MLM lacks membership in reputable multilevel marketing associations like the Direct Selling Association.

Multilevel marketing associations typically set strict standards for their members to ensure ethical business practices. Xifra’s practices and business model remain largely unregulated and unverified without official recognition from these associations.

Section 4 – Products

In this section, we zoom in on the services and products offered by Xifra, scrutinizing its top product lines and purchasing options.

What does Xifra sell?

The main products offered by Xifra Lifestyle is the Financial Market and Plantation investment funds.

Various services are also featured on the company website, such as BTC Kick-Starter (bitcoin/ blockchain consultation), Ad Boost (running ad campaigns), Social Media Branding, and Rapid Web Deployment.

Further, the company states that it has several health and skin care products, an academy (training in new technologies and personal growth), a travel discount platform, and blockchain technology development.

Additionally, Xifra Lifestyle used to sell nutritional supplements such as CBD oil, male enhancers, detox supplements, and weight loss pills.

Note that Xifra’s MLM members don’t earn commissions from the company’s products and services. They only earn from the Financial Market and Plantation investment funds.

Are Xifra’s services regulated and certified?

Xifra is not authorized to attract resources from the public, according to the Mexican National Banking and Securities Commission (CNBV).

The company claims to offer investment plans that promise to return the principal and interest, but it’s not registered as a securities seller, which is potentially securities fraud.

Although Xifra is linked to a multiple-purpose financial company (SOFOM), Finanzas que te Acompañan, which is supervised by CNBV and the National Commission for the Protection and Defense of Users of Financial Services (Condusef), its activity is limited to credit operations – not an investment.

Moreover, Finanzas que te Acompañan stopped reporting information to Condusef and could lose its registration.

Warnings, lawsuits, and independent reviews of Xifra

Xifra Business Group has faced multiple warnings and lawsuits for its investment activities in Mexico.

In September 2021, the Mexican National Banking and Securities Commission (CNBV) imposed sanctions on Xifra, including a fine of about 985,000 pesos and a suspension of investment promotion activities, for offering investments without the proper endorsement. One of its directors, Jonathan Yemelian Sifuentes Saucedo, has also been accused of pyramid fraud associated with cryptocurrencies in the US.

Most importantly, Mexico’s National Commission for the Protection and Defense of Users of Financial Services (Condusef) had warned that Xifra is not an authorized company in the Mexican financial system or subject to their supervision.

Above all, many people seem to negatively perceive the company.

Section 5 – FAQs about Xifra

This section addresses the questions that most concern Xifra users, with impartial and informative answers.

Is Xifra operating legally?

Xifra’s legal status has been questioned because it doesn’t have proper registration with securities oversight authorities, which is necessary to sell securities or investment products. It is essential for potential investors to carefully consider the legality of a company before making any investment decisions.

Is Xifra a pyramid scheme?

Xifra Lifestyle is under scrutiny for its operations, and there are concerns that it may be operating as a pyramid scheme. According to various reports, the only verifiable source of revenue entering the company is through new investment. This means the advertised returns are probably paid from the new investments. Such a setup is characteristic of a Ponzi scheme.

Can you trust Xifra?

According to the information provided, Xifra’s lack of legal protections poses a significant risk to investors, as there are no regulatory protection options if the company fails. This raises questions about the reliability and stability of Xifra as a trustworthy investment opportunity.


Author: Victor Nyorani

Victor Nyorani - Network Marketing Start

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