Crowdfunding pyramid plan & money-circulation risk · 2026 edition
DT Farming has no product and no revenue, it pays members only from other members' deposits, and openly says so ("crowd funding", "100% distribution"). Because 9% of every deposit is skimmed by the anonymous creators, members as a group can get back at most 91 cents per dollar, so it is mathematically impossible for most participants to profit. It is crypto-only, anonymous and irreversible, with no company to hold responsible. The safest reading of the evidence is: do not deposit, do not recruit, and warn anyone considering it, promoting a scheme like this can carry personal legal liability. This is information, not personalised financial advice.
Unlike schemes that at least claim trading, an app or a product, DT Farming markets itself plainly as a "crowd funding model": a pool where money paid in is redistributed to other members. Its own "100% distribution" page sets out the split, 91% to the "community" (members), 4% to a promo fund, 5% to "creator profit". There is no company named, no directors, no jurisdiction, and nothing being sold. The only money entering the system is what members deposit.
It leans on "decentralized", "smart contract" and "no fear of closure" language. But a smart-contract scheme is not "closed", it simply stops paying when deposits slow, and the "decentralized / immutable" framing means there is no accountable operator and no recourse, not that it is safe.
Participation runs through 12 "top-ups" that roughly double each step. The "$20 entry" is the hook; each higher top-up is required to keep earning (see "Master Stroke" below):
| Tier | USDT | Tier | USDT | Tier | USDT |
|---|---|---|---|---|---|
| Starter | 20 | Silver | 200 | Sapphire | 3,200 |
| Riser | 25 | Gold | 400 | Emerald | 6,400 |
| Warrior | 50 | Platinum | 800 | Diamond | 12,800 |
| Star | 100 | Ruby | 1,600 | Crown | 25,600 |
Completing all 12 top-ups means depositing roughly $51,000 in total.
The member share is divided differently depending on which top-up you are on:
| Top-up | Sponsor | Level | Rank | Matrix |
|---|---|---|---|---|
| 1st | 80% | N/A | N/A | 11% |
| 2nd | 20% | 60% | N/A | 11% |
| 3rd–12th | 12% | 24% | 44% | 11% |
Each row totals 91%; the remaining 9% (4% promo + 5% creator) is taken off the top of every deposit.
Every one pays you only when people beneath you join and deposit. There is no earning from any product or activity, purely from recruitment and from your downline's deposits. The deck's headline "total income" (around ₹14.67 crore in a matrix of 2, and far larger figures for matrix-of-3 rank income) are theoretical maximums that assume a perfectly full downline, 8,188 people in a matrix of 2, or 797,154 in a matrix of 3, each completing all 12 top-ups. Those numbers are simply the pooled deposits of thousands of lower members funneled to one person at the top.
A maximum income limit is applied at every top-up (caps running from 3× a $20 top-up up to 10×, then "APC" at the top tiers). To "break the limit" you must buy the next, larger top-up. Presented as helping everyone "grow faster", it actually compels continuous new deposits, exactly what a money-circulation scheme needs to survive, and maximises each participant's exposure right before inflows dry up.
This scheme is negative-sum by design. Because 9% of every deposit is skimmed (5% creator + 4% promo), members as a whole can receive back at most 91 cents for every dollar paid in. It is therefore mathematically impossible for participants as a group to profit: for anyone at the top to come out ahead, a larger number of people below them must lose.
The giant "potential income" figures don't change this, they describe one person at the apex of a fully built tree, funded by thousands of losers beneath. Real trees never fill infinitely; most participants sit near the bottom with few or no recruits, and recruitment always slows eventually. When it does, the contract simply stops paying.
This block replaces a customer-reviews section. MLMCompanyHub does not publish invented reviews or a star score for a scheme of this kind.
How these schemes end. A money-circulation pool pays early members and the creators with later members' deposits, which manufactures "proof" and fuels more recruitment. Once inflows slow, the smart contract stops paying. The majority, later joiners, lose their deposits, and on-chain transfers cannot be reversed.
Legal context. In India this is squarely a money-circulation scheme banned under the Prize Chits and Money Circulation Schemes (Banning) Act, 1978, and an unregulated deposit scheme under the Banning of Unregulated Deposit Schemes (BUDS) Act, 2019. SEBI and RBI warn repeatedly against exactly this structure. Crucially, promoting or enrolling others into such a scheme can carry personal legal liability, not just financial loss, so the risk is not only to your own money.
MLMCompanyHub reports the plan as described in DT Farming's own deck and applies general, publicly available regulator guidance and arithmetic. Readers can verify each figure and reach their own view; if you have already deposited, stop adding funds, do not recruit others, and consider reporting to your national cyber-crime or financial regulator.
DT Farming is an anonymous BNB-chain smart-contract "crowdfunding" scheme with no product. You buy into a 12-step top-up ladder (Starter $20 up to Crown $25,600, about $51,000 for all tiers) and earn through four recruitment-based streams, Sponsor, Matrix, Level and Rank income, all paid from the deposits of people who join beneath you. Of every deposit, 91% is redistributed to members and 9% is taken by the creators and promo fund.
It has no product, service or revenue other than members' deposits, and openly calls itself a crowdfunding pool with "100% distribution". Paying members only from other members' money is the definition of a money-circulation / pyramid scheme, and the 9% skim makes it negative-sum, so most participants cannot profit. MLMCompanyHub does not endorse it and rates it very high risk.
Only from new deposits. There is no trading, product or external income, the deck itself says 91% of deposits are distributed to members and 9% is kept by the creators. Early members and the creators are paid with later members' money, and payouts stop when new deposits slow.
No. Those are theoretical maximums assuming a perfectly full downline, 8,188 people in a matrix of 2, or 797,154 in a matrix of 3, each completing all 12 top-ups. Real matrices never fill that way; most participants sit near the bottom and lose. The headline numbers are just the pooled deposits of thousands of lower members funneled to one person at the top.
No. Income that comes only from enrolling others and their deposits is a money-circulation scheme banned under the Prize Chits and Money Circulation Schemes (Banning) Act, 1978, and an unregulated deposit scheme under the BUDS Act, 2019. SEBI and RBI warn against this structure, and promoting or enrolling others can carry personal legal liability, not just financial loss.
Yes. Deposits are irreversible crypto (USDT BEP-20) into an anonymous smart contract with no company, KYC or recourse. When deposits slow, the contract stops paying; the "Master Stroke" mechanism also forces you to keep buying larger top-ups, maximising your exposure. Most participants, the later joiners, lose their deposits.
Pramendraa Singh researches and analyses direct-selling and network-marketing companies for MLMCompanyHub. He writes business-plan and compensation-plan breakdowns, company profiles, and product and industry research, with a focus on well-researched, unbiased, easy-to-understand content that helps readers and entrepreneurs understand how MLM companies and their pay plans actually work.