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Attention! First of all obligatorily read the WARNING!

First things first!

Don't believe any information about MMM or me personally that can be found online! Never-ever! Don't believe any "experts", "analysts" and others. All of this is "ordered fudge", all of this is just a big LIE! We're fighting against the world financial system, helping ordinary people, breaking the rules and declaring it expressly — what is to be expected then? It's only natural they are going to throw all kinds of obstacles our way. Have you seen what happened during Trump's election campaign when he decided to go against the rules? Have you seen the river of lies and slander the "fair and independent" media poured down on him? It's about the same thing.

It's best to consider facts. MMM has been around for several decades now and has been paying at least 30% per month to its members. It's PER MONTH, not per year! PER MONTH! Even though all licensed economists of the world state it's largely impossible. (It's too much. You cannot pay people that much. It will corrupt them. :-)) However, this is the fact. End of story. Is there anything else to talk about? Do you still have doubts? The entire World Wide Web is full of thousands and thousands of videos by the happy members! Here's the price of all these allegations. Here's the price of all these experts.

Long story short, don't listen to anyone, just contribute a small amount to the system as a trial, and you'll see it all for yourself.

Best of luck! Sergey Mavrodi :-))

MMM is not a bank. MMM does not collect your money. MMM is not an online business, HYIP, investment or MLM program. MMM is a community where people help each other. MMM gives you a technical platform which helps millions of its members worldwide to connect those who NEED help with those who are willing to PROVIDE help, for FREE. All funds you transfer to another member represent help you provide of your own good will, absolutely gratis. If you are completely confident and certain of your actions and have made up your mind to join the community, we kindly ask you to carefully study all warnings and instructions first. Should you have any questions regarding the topic, our online consultants are willing to help and answer all of your questions.


MMM is a community of people providing each other financial help on the principle of gratuitousness, reciprocity and benevolence.

In MMM you don’t have to make contracts or pledge your property. In MMM there are no lenders and no debtors. Everything is very simple: one member asks for help — another member provides help.

The only thing that MMM demands from its members is being honest and kind to each other. You ask for financial help whenever you need it, and you provide financial help whenever you are able to do so.


There is no central account where all the money in the system flows to (and where it can be easily stolen from :-)). All the money is on the bank accounts belonging to the members only! The members transfer funds to each other directly, without intermediaries! (What are intermediaries for? :-)) In fact, MMM only regulates the process — and nothing else.

So the entire system belongs to people. No kidding! It is a real mutual aid fund where ordinary people help each other.

How does it work technically? You declare your willingness to provide help (click “Provide Help” in your Personal Office (hereinafter PO), after which your account is rewarded with an amount in Mavro (internal "currency"/scores in the system). Once another participant confirms the receipt of the money from you (your PH-request gets the status “Confirmed”), Mavro start growing at the monthly rate of . The amount in Mavro increases every day at 08.00 a.m. (Beijing time). This amount in Mavro is how much you can request for yourself.

Say you have announced willingness to assist someone with ¥1,000. You are rewarded with Mavro in your PO. After the recipient confirms the receipt of the payment, your Mavro immediately start growing! A month later, 1,000 becomes Mavro 1,500. Accordingly, you will be able to request help worth of ¥1,500.

You receive an order for providing help (PH order) in your Personal Office. If you do not complete it within 48 hours, you are removed from the system. (For all eternity. :-))

Should you have any questions regarding the topic, our online consultants are willing to help and answer all of your questions.

Please note that the use of the words a month cannot be considered as a yield or interest rate since the funds are given away; we are not earning anything (we are a mutual-aid fund), and nobody promises or guarantees to pay it! Read over THE WARNING.

How to Provide Help (“buy” Mavro)?

How to Get Help (“sell” Mavro)?

Types of mavro

  • Standard contribution.
    The growth rate is per month. -Mavros are frozen for 14 days. You can create a GH request 14 days after you provided help and all the recipients confirmed getting help from you.
  • Three-month contribution.
    The growth rate is per month. -Mavros are frozen for 92 days. In the event of an early withdrawal of funds, the total amount will be recalculated at the rate of per month.

    For example, you provided help in the amount of 100.
    In 3 months, you can withdraw 100*1,4*1,4*1,4=274,4 ( in other words, the return on your PH will be a month.)
    However, if you decide to withdraw your funds earlier, for example in 2 months, the return on your PH will be recalculated and it will make up per month, so you will get: 100*1,3*1,3=169
  • Three-month contribution.
    The growth rate is per month. -Mavros are frozen for 92 days. In the event of an early withdrawal of funds, a participants will get an initial payment only (without accrued percentage).

    For example, you provided help in the amount of 100.
    In 3 months you will be able to withdraw 100*1,5*1,5*1,5=337,5 ( in other words, the return on your PH will be a month.)
    However, if you decide to withdraw your funds earlier, for example in 2 months, you won’t get any return at all. You will get back only the original payment, the 100 you contributed initially.

Three-month contributions are expected to work like a shock absorber when panics occur. If participants acquire and hold their Mavro for a long time, they will think hard whether withdraw them earlier or not (as they can lose their extra income). At the same time, participants who buy standard 30% Mavro sell them immediately in case of any panics. Unfortunately, they always do so. Our experience proves it.

10% Mavro with an immediate confirmation


When you register in the system, you get from $20 to $100 as a present.

But the bonus is not granted to everyone — it is only granted to those who have contributed their money as well. (Otherwise, the system will be pulled apart. For bonuses. Users will keep registering endlessly. :-))

  • +$20 will be credited to you if your contribution is from $50 to $499. The bonus is frozen for two weeks. If you take out your contribution earlier, the bonus will be cancelled.
  • +$50 will be awarded to you, if your contribution is from $500 to $2999. This bonus is frozen for a month.
  • +$100 will be given to you if your contribution is $3000 and more. This bonus is frozen for a month as well.

Once again about “freezing”. Please, bear in mind that if you take your money out earlier, you'll lose your registration bonus. Only the bonus! But the donation with all the accrued percent will be paid.

Each participant is allowed to have only one account.

Referral bonus


Participants are credited with a Referral Bonus of + from the amount of the contribution made by each new member (referral) you invited to the System.

Bonuses are credited in Mavro which may be taken out as soon as the referral has provided help and got his Mavro confirmed. You can invite a participant through a referral link or MMM invite (code word).

You will get the bonus from each referral’s new contribution, but only for "new" money.
For example, if he provides help of 1000 yuan, you will get 100-yuan bonus. If after that the participant takes out 1500 yuan and then provided help of 2000 yuan, the bonus will be credited only for input/output difference i.e. for 1500 yuan (1000-1500+2000=1500). In total the bonus will make up 150 yuan, but not 200 yuan.

ATTENTION! You don't have to invite new people to the system! Should you invite anyone? That's good, you will get even a referral bonus for that. If you do not? It is OK. You are free to participate without attracting new members.

Leader's bonus

Leaders of the MMM Community can create their own multi-level structures and get a bonus from each donation made by every member of their structure. This is a multi-level bonus, thus a leader can have his own leader whose rank is higher. Leader’s bonus depends on his level in the community:

Leader's Bonuses are +, , , .

They are multi-level. There are four levels. The bonuses are credited in Mavro . You may take it out as soon as your referral has provided help and had his Mavro confirmed.

It works like Referral Bonus. Leader's bonus is paid only for "new" donated money.
In the MMM System you have the opportunity to become somebody's leader. You have the right to enter the PO of a member whose leader you are and perform any operation which the member doesn’t know how to do. It basically means helping him/her out. Members choose their leader on their own. A leader doesn’t have any real authority over other members.

  • — for those who specified you as their Leader
  • — for those whose selected their leaders participants whose Leader you are.
  • And so on.

For example, if Ling selected you as his leader, Yun selected Ling as his leader, and Yun is Han’s leader, you are awarded of Ling’s contributions, of Yun’s contributions and from Han’s contributions. If someone is guided by Han, you will get from his/her contributions and so on.

Increased Leader's Bonuses ,, , , , , (from all lower downlines + as well) for those who finished MMM guider’s School. The bonuses are multilevel, their number is unlimited. The bonus is credited in Mavro . You may take it out as soon as the referral has provided help and had his Mavro confirmed.

Guider's school


Bonus for the video in a "Letter of happiness" is , or of the amount of received help.

The bonus is credited only for GH-requests which were created not later than 2 months ago.

After receiving help you have to send a "Letter of happiness". If you attach a video to it, you will get a bonus. The bonus is credited for each "Letter of happiness".

  • of the amount of help received — you will get for super quality video. It should be professional-looking: quality recording and editing. Record an interesting story in which you are the main character. Tell us how you will spend (spent) the money, what impact MMM ideology had on your life, how the Community changes your life, and invite other people to participate in MMM. The plot must be interesting and creative. The minimum resolution is 640x480. The minimum video duration is 1 min 30 sec.
  • of received help for the video where you show your face and your voice is heard clearly. Tell about your emotions from the participation in MMM and invite other people to join the Community!
  • of received help for the video where you don’t show your face. You need to demonstrate your Personal Office and a photo of your bank accounts statement or an electronic statement from internet banking as a proof of receiving help.

The bonus is credited in Mavro and frozen for 1 month. If during this month you will delete the video, you will lose this bonus.

Bonus for your video story of providing help is or of the amount of the help provided.

In addition, you can record a video about providing help and get a bonus or of the amount of provided help. The size of the bonus depends on the fact if you show your face in the video or not.


If you use cryptocurrencies (not a bank) to transfer money (provide help) you will receive a 3% bonus of the transferred amount.

Crypto-Bonus is not frozen. It is available for withdrawal as soon as the recipient confirms the receipt of funds.

If you're new to cryptocurrencies, you can find out how to create a cryptocurrency wallet and how to buy and sell cryptocurrencies from this handy guide.

What is Bitcoin and how to participate in MMM using bitcoins?

It's more profitable, faster, and safer to provide help using bitcoins rather than traditional currencies.

Watch the video about Bitcoin's key advantages and find out why it's beneficial to use it while participating in MMM.


There is a serious problem. Many would like to participate in MMM but they, let’s say, don’t have the internet. Or they are just too lazy to understand and deal with all this. With all these assignments and so on. What if it could be like this: you transfer money and then you simply get it with interest. No bothering about anything. :-))

So for this kind of participants who have no internet (or just for the lazy ones :-)), institution of Trustees and Trustors has been created. (Any caprice, as they say! :-))

Any participant of MMM can entrust his/her leader the PO managing, assigning the leader as his/her Trustee. Provide complete access to PO and let him/her get into all these details. The participant just calls and gives assignments: "Take out this sum of money for me!" and so on.


The first option. The leader registers the participant and states that he/she is his Trustee. (If, let’s say, the participant has no internet or does not know anything about computers).

The second option. The participant indicates in PO himself/herself that he/she makes the leader his/her Trustee (and provides him complete access to the PO — he is tired of bothering with all this! :-)). Of course, at any moment the participant can change his mind and refuse of Trustee’s service.

In order to protect from abuses from the Trustee’s, the most important operations (change of account information for cash-out, creation of application for cash-out, confirmation of getting money) — only through confirmation code! I.e. at the Trustee’s attempt to make such operation, a confirmation code will be asked. It is sent by sms to the Trustor. The Trustee gets in touch with the Trustor, explains the details and then the Trustor tells the confirmation code. (If he/she wants. :-)) Only in this way! :-))

Besides, when creating applications and assignments for cash-in the Trustor will also get the corresponding sms. Other than that, in the case of the assignment to send money, the recipient’s account information will be indicated in the sms. (For the guider not to say: “Send it to me!” We know that! :-))

What else? The Trustee can go into PO of the Trustor right from his/her PO and then the same way can come back easily into his/her personal PO. I.e. managing of trustee’s PO is extremely easy.

We can change the world!