An "AI crypto trading" deposit platform wrapped in a 15-level referral plan, reported by independent investigators as a crypto Ponzi / MLM scheme · 2026 edition
Polar Tensor is pitched as an AI crypto-trading platform that pays weekly profits, wrapped in a 15-level referral plan. Independent investigators, including BehindMLM and other 2026 fraud writeups, report it with high confidence as a crypto Ponzi / MLM scheme with no verifiable trading activity. Its claimed 22 percent per month returns are economically impossible, the founder "Felix Bick" is reported to be an AI-generated deepfake persona, the multi-jurisdiction "registrations" are shell-company-style and not regulation, and promoters are linked to earlier collapsed schemes such as NovaTech FX. Deposits are irreversible crypto and withdrawal complaints have been reported. The likely outcome for most participants is loss. Treat it as fraudulent until verified by official regulator records, and beware any upfront fee to withdraw. This is information, not advice.
Polar Tensor (polar-tensor.com) markets itself with the line "revolutionizing crypto with AI-powered solutions". The pitch is that a proprietary AI system, "Polar One", uses deep-learning neural networks to trade crypto automatically and pays you weekly profit distributions, alongside a multi-level referral reward program. The deck claims an algorithm in development since 2018, a track record on FTX from 2020 until its 2022 collapse and then on Binance since 2024, a Hong Kong R&D base and a Panama-registered fund, plus entities in Poland and Wyoming and a named founder, Felix Bick.
It also claims historical returns averaging about 22 percent per month and equity curves rising from roughly 2 million to over 90 million dollars with tiny drawdowns. Those numbers are the core of the pitch, and they are the core problem: they are not achievable from real trading. Independent investigators report Polar Tensor as a crypto Ponzi or MLM scheme, with a founder persona that appears to be AI-generated and promoters tied to earlier collapsed schemes. The substance, below the AI branding, is a deposit-and-recruit money plan.
This section documents how the Polar Tensor plan is presented in the company deck, so readers can understand the mechanics, not as an invitation to join. There are deposit tiers with fees, and a multi-level referral plan paid on both deposits and profits.
You deposit crypto; a 10 percent one-time license fee is deducted from the deposit, and a performance fee is taken on profits (distributed each Friday). Withdrawals carry a 10 percent charge, dropping to 5 percent after 12 months and free after 24 months. The tier sets the performance-fee rate:
| Tier | Minimum deposit | Performance fee |
|---|---|---|
| Starter | 100 USDT | 50% |
| Basic | 500 USDT | 40% |
| Advanced | 2,000 USDT | 35% |
| Professional | 8,000 USDT | 30% |
| Elite | 25,000 USDT | 25% |
| Enterprise | 100,000 USDT | 20% |
The referral plan pays on two bases across many levels, with rank-based "infinity" overrides on top:
| Reward | Paid on | Level 1 | Level 2 | Level 3 |
|---|---|---|---|---|
| License rewards | Referrals' license fees | 20% | 15% | 10% |
| Residual rewards (weekly) | Referrals' trading profits | 10% | 5% | 4% |
Both reward types are stated to continue through Levels 4 to 15. Rank-based "infinity" rewards add more: license infinity from Bronze 6 percent up to Diamond 22 percent of team license volume, and residual infinity from Bronze 1 percent up to Diamond 16 percent of team trading profit. Global leadership pools take 2 percent of global license sales per rank pool, paid monthly.
| Rank | Qualified volume | Max leg | Bonus |
|---|---|---|---|
| Iron | 100 USDT | 50% | 20 USDT |
| Bronze | 500 USDT | 50% | 100 USDT |
| Silver | 2,500 USDT | 50% | 200 USDT |
| Gold | 8,000 USDT | 50% | 500 USDT |
| Platinum | 25,000 USDT | 40% | 1,500 USDT |
| Titanium | 80,000 USDT | 40% | 6,000 USDT |
| Sapphire | 300,000 USDT | 40% | 20,000 USDT |
| Ruby | 1,000,000 USDT | 25% | 50,000 USDT |
| Emerald | 3,000,000 USDT | 25% | 150,000 USDT |
| Diamond | 8,000,000 USDT | 25% | 500,000 USDT |
An average of about 22 percent a month compounds to well over 1,000 percent a year, and the deck shows individual months as high as roughly 40 percent. The best long-run traders in history average around 20 to 30 percent a year, not a month, and real high-frequency crypto trading is volatile and noisy. The deck's near-straight equity curve from about 2 million to over 90 million dollars with drawdowns under about 1.5 percent is not what genuine trading produces; smooth, always-up performance is a classic sign of fabricated or Ponzi numbers.
Sustained double-digit monthly returns while also paying license and residual rewards across 15 levels, rank infinity overrides, leadership pools and fees is not achievable from trading. The only way the weekly distributions and the referral payouts can be funded is from incoming deposits, which is the definition of a Ponzi. Independent investigators report no verifiable trading activity, a fabricated founder persona, shell-company registrations presented as regulation, and promoter overlap with earlier collapsed schemes. When new deposits slow, the payouts stop, and the majority who joined later lose. Listing offshore registration numbers and a SEC CIK does not change this, because those are not licences to run a fund.
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What independent investigators report. As of 2026, multiple independent sources describe Polar Tensor as a crypto Ponzi or MLM scheme. BehindMLM published a review framing it as an AI-trading-bot MLM crypto Ponzi, a detailed independent investigation assessed it with high confidence as an MLM-based crypto Ponzi with no real trading infrastructure, and fraud researchers report that the founder persona appears AI-generated, that the registrations are shell-company-style, and that a known serial promoter previously tied to the collapsed NovaTech FX scheme is involved. These are third-party findings; verify them yourself before relying on them.
On the "registrations" and the FTX claim. Registration numbers in Panama, Poland, Hong Kong and Wyoming, or a SEC CIK and an exempt-offering notice, are not the same as being licensed or regulated to take investments. Verify any such claim directly on the official regulator's database, such as SEC EDGAR, not on the company's own site. The claim of a successful trading history on FTX until its 2022 fraud collapse is unverifiable and carries no independent proof.
Regulatory context. Regulators such as Germany's BaFin have issued general warnings about exactly this template of unauthorised AI-controlled algorithmic crypto-trading platforms. A scheme promising high recurring returns with multi-level recruitment can engage securities and anti-Ponzi rules in many countries, and for Indian participants the Prize Chits and Money Circulation Schemes (Banning) Act, 1978 and the Banning of Unregulated Deposit Schemes (BUDS) Act, 2019, with SEBI and RBI guidance, are relevant. Promoting or enrolling others can carry personal legal liability.
MLMCompanyHub is not a regulator and makes no legal determination about Polar Tensor. This page reports the company's own deck alongside publicly available independent reporting and applies general regulator guidance and arithmetic so readers can verify each point. If you already have a balance, consider attempting a full withdrawal now, and be especially wary of any demand for an upfront tax, release or clearance fee to withdraw, which is itself a known secondary scam. Crypto sent to a scheme like this is generally not recoverable; to report suspected fraud in India, use cybercrime.gov.in / 1930 or SEBI SCORES, or your national financial regulator elsewhere.
Polar Tensor is pitched as an AI crypto trading platform (Polar One) that trades your deposited funds and pays weekly profit distributions, wrapped in a multi-level referral program. You deposit crypto into one of six tiers (100 USDT Starter to 100,000 USDT Enterprise), a 10 percent one-time license fee is deducted, and a 20 to 50 percent performance fee is taken on profits. The referral plan pays license rewards and residual rewards up to 15 levels, rank-based infinity bonuses and global leadership pools. Most of the upside is tied to depositing and recruiting, and the claimed returns are not achievable from real trading.
Independent investigators, including BehindMLM and other 2026 fraud investigations, report Polar Tensor as a crypto Ponzi or MLM scheme with high confidence, citing no verifiable trading activity, a founder persona reported to be an AI-generated deepfake, shell-company registrations presented as regulation, and promoters linked to earlier collapsed schemes such as NovaTech FX. Its claimed 22 percent monthly returns are economically impossible. MLMCompanyHub does not endorse it and rates it very high risk. Treat it as fraudulent until independently verified by official regulator records.
No. An average of about 22 percent per month compounds to well over 1,000 percent per year, while the best long-run traders average roughly 20 to 30 percent per year, not per month. The deck's equity curves rise almost straight from about 2 million to over 90 million dollars with tiny drawdowns, which is not what real high-frequency crypto trading looks like; smooth, always-up performance is a hallmark of fabricated or Ponzi returns. Such returns plus 15 levels of referral rewards and fees are not achievable from trading and are typically funded by new deposits.
It pays on both deposits and trading profits across many levels. License rewards pay on referrals' license fees (Level 1 20 percent, Level 2 15 percent, Level 3 10 percent, plus Levels 4 to 15), and residual rewards pay weekly on referrals' trading profits (Level 1 10 percent, Level 2 5 percent, Level 3 4 percent, plus Levels 4 to 15). On top are rank-based license and residual infinity rewards (Bronze up to Diamond) and global leadership pools funded by 2 percent of global license sales. Because income is tied to recruiting and to the deposits and fees of your downline, the plan has the structure of a pyramid.
The deck names a founder, Felix Bick, with a banking and supply-chain background. However, independent investigators report that the Felix Bick persona appears to be an AI-generated deepfake, with social profiles that show no organic, real-world engagement, and that a known serial scheme promoter is closely involved in marketing Polar Tensor. An unverifiable or fabricated founder is a serious warning sign, because it means there is no accountable, real person behind the money.
Yes, and independent reporting indicates loss is the likely outcome for most participants. Deposits are in irreversible crypto, the returns and referral rewards appear to be funded by new deposits rather than real trading, and withdrawal-difficulty complaints have been reported. In these schemes early withdrawals may work to build trust, then slow or stop when inflows fall. Be especially wary of any demand for an upfront tax, release or clearance fee to withdraw, which is itself a known secondary scam. Recruiting others can also create personal legal liability.
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.