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In June 2016, an old friend hit me up on Facebook messenger to preach the Gospel of MMM to me.
Although what he was saying seemed too good to be true, I only payed attention to him because it was someone i trust and he probably wanted me to signup through his referral link just so he can reap some benefits from inviting me.
I don't know about you but i support my friends hustle even if it's with a small seemingly insignificant amount.

I received the link to Join MMM from him, started the registration process and read everything on the MMM Nigeria website where it explained in clear and simple English that MMM is not a bank which keeps money for you, MMM does not collect members money and keep in one central account, MMM is not an online business that generates revenue, High Yield Investment Scheme or Multilevel marketing. It's not even a business with physical location, legal backing etc

My first thought was - Whoever wrote that MMM ideology page is a genius that is showing us how the banking system, insurance, pension funds really works by using our money to enrich themselves while still charging us high rates and paying back little interests.

Ngbuzz.com is over 5 Years old. I've been online long enough to smell a rat (SCAM) miles away and I've never participated in schemes like this because it never ends well no matter what name it's called or business model it adopts.
To make matters worse the history of MMM when searched on Google has nothing good to say about it because the media survives on negative publicity.
Wikipedia and other news publication websites have done a really good job at stating what they claim to be facts about the convicted founder of the failed MMM in Russia where it originated. What they fail to tell you is that the Government and financial institutions want to control you by making sure you always need them to survive.
Your financial freedom will cause them a loss, so they fight always to spread false information about MMM to enslave you and deter you from joining the biggest Mutual aid Movement in the World with presence in over 100 countries.

Type: "MMM PAYS" into Google or Youtube - and see the other side of the story the media don't show you.

Knowing that he's got my attention now, he went on to really explain the ideology behind MMM as a community where total strangers help each other with money they're not using with hopes of being rewarded for the Help they've provided to someone.

The best way i can describe MMM is to use a Committee of friends Association or Club as example where they donate a fixed sum to benefit only 1 member each month.
After months of contributing to other members in the Committee of friends, it eventually gets to your turn to benefit from the contribution of others and the sum is always huge.

That's the same ideology that MMM is built on except that - EVERY MONTH IS YOUR TURN TO BENEFIT 30% from what you've also contributed to the community. They call it donating because it's out of your own freewill  - Providing Help (PH) and Getting Help (GH).

Where does the 30%, Referral Bonuses, Guiders Bonuses, Video bonuses come from?
If participants of MMM freely give money to other participants that need help and also get 30% reward from their action, where does the added money come from? and Won't it collapse when new people stop joining?
The 30% Mavro and other bonuses comes from one source - YOU AND ME: It comes from crowd funding approach which is the same principle the banks and financial institutions use. It’s all about getting more people to come into the community and provide help. Just like the banks.
There's always someone depositing at the bank and someone withdrawing - the difference is MMM only provides a technical platform where individuals can reach out to one another and provide / receive help from each other DIRECTLY.
MMM does not keep the money in central account and use it to enrich themselves like the bankers do.

Some Critics describe MMM as Robbing Peter to pay Paul but ask yourself, what is the bank doing?
ANSWER: The Banks are robbing PETER AND PAUL at the same time.

Reasons why you should NOT Join MMM Nigeria
The terms and conditions you agree to before joining any program is usually ignored by all of us.
We just click ACCEPT but you might not want to do this for MMM.
If you like the ideology of MMM and Sir Sergey Marvrodi's life long mission to bridge the gap between rich and poor as  pointed out in the first part of this article and you're thinking of Joining MMM, here's some rules all users of MMM have to agree with before joining. This can be found on the MMM Warning Page and goes as follows:

- There are no guarantees and promises! Neither explicit nor implicit.
- There are neither investments nor business! Participants help each other, sending each other money directly and without intermediaries. That’s all! There's nothing more.
- There are no securities transactions, no relationship with the professional participants of the securities market; you do not acquire any securities. (Do you need them? :-))
- There are no rules. In principle! The only rule is no rules. At all! Even if you follow all of the instructions, you still may "lose". "Win" might not be paid. Without any reasons or explanations.
- And in general, you can lose all your money. Always remember about this and participate only with spare money. Or do not participate at all! Amen. :-))

If you agree to be a honest participant of the MMM Community, to own only 1 account, to provide help with money you're not currently using, to show kindness and care for other people - read on and Join Me.

This concludes part 1 of the article where I've clearly told you what MMM is about and valid reasons why you shouldn't join this Global Community of Mutual aid fund.

Being fully aware of the Community rules my friend is introducing to me and his advice to only use spare money i don't mind losing, i decided to give it a try for research purposes only to see how MMM really works.

The How MMM Works
1. Provide help on MMM with a certain and receive reward of Mavro that grows 30% in One month.
2. On maturity (30 days) of 14 days of providing help you request for Help from available Mavro and all money paid within a few hours straight to your bank account.
3. You can choose to provide another help or even provide help multiple times as long as it's money you're not using.
4. Sit back and cash out your mavro money every month for helping someone else.
- I have succeeded in executing this plan, that's why i'm writing this complete article.

MMM Nigeria REAL or SCAM
I Joined MMM, Confirmed my email and Phone number in MY PAGE menu, entered my Bank details correctly that money should be sent to when i request and offered to Provide help for 2,000 Naira since that's money i won't mind losing but my friend informed me that although the 2k is acceptable i won't qualify to receive the one-time registration bonus if my first Help provided isn't up to 17,000 Naira.

Registration bonus is $20, $50 and $100 depend on how much help you first provided. This bonus is FIRST TIME Only.
Provide Help $50 to $499 qualifies you for $20 Mavro Reward
Provide Help $500 to $2,999 qualifies you for $50 Mavro Reward
Provide Help $3,000 and above qualifies you for $100 Mavro Reward

I raised the help to 40,000, 60,000 and then 350,000 Naira and then another 500,000 the following month. Total Help received from MMM = 452,000
30% is 0.3.
So 0.3 Multiplied by 2000 would give me 600 plus my 2000 back in 30 days.
0.3 Multiplied by 5,000 =  6,500 in 30 days.
0.3 x 20,000 = 26,000
0.3 x 50,000 = 65,000
0.3 x 100,000 = 130,000
0.3 x 200,000 = 260,000
0.3 x 500,000 = 650,000
0.3 x 1,000,000 = 1,300,000
Let me sound the warning again before you get carried away: Use Money you have no immediate need for and 40,000 was my own Maximum limit (or so i thought until i pushed the limit to 450,000).
The figures calculated represent a full 30 days circle but you can actually request for help (withdraw) from 14 days as long as you've provided help (Paid to another participant).

To register for MMM, You only need to fill in your Name, active email, password and Phone number.
Since Ngbuzz Referred you to MMM, please leave our email in the INVITE box so that we can get some bonus as you join and Provide help. The guider details should be left blank.
Click this Link and select REGISTER to fill the MMM Nigeria Registration Form and don't forget to comeback and continue reading this article for next steps.
After registration, Login at mmmoffice.com

Providing Help (Making payment to participants)
- Remember, once you click to provide help, your Mavro starts increasing by 1% a day even while it's in your pocket/bank. Mavro growth on your personal office is updated only on Tuesdays and Thursdays
- It takes around 2 to 30 days sometimes before you are matched with another participant who needs help.
- When you're linked with another participant who needs help, you will see their account details you're supposed to send payment to, their phone number and the number of Hours remaining for you to fulfill that request for help.
- You MUST provided proof of payment and upload it on the request you made payment for so that the participant who received the help can CONFIRM that he/she has received it - This closes the request.
The proof of payment can be a screenshot of your Debit SMS alert, Transfer Successful screenshot, scanned/snapped Bank deposit slip etc.
- If you fail to fulfill the request within the stipulated Hours given (usually 48Hours or 96Hours for weekends) it will be redirected to another participant who is willing to provide help and you will be removed from MMM.

Receiving Help (Withdrawing Money)
- The MAVRO menu after you login displays Help you've provided, referral bonuses, Registration bonus and their status.
Amounts displayed in Green indicates that it's available for withdrawal; Blue indicates Frozen(You've provided help but it's not up to 14 days yet) and Red indicates Not confirmed (You haven't provided help or referral hasn't provided help.)

You do not need to refer anyone to MMM in other to start earning from it - that's one thing i like about it.
However if you decide to tell anyone about MMM, do so after you've confirmed that it works (received money) and be truthful about it. Make sure you give them all the warnings and red flags i have shown in part 1 of this article.
If you don't give them enough information / caution, they will abuse the system, cause delays to other participants and may commit offences that can get their account blocked.
The keyword is - Use Only Spare money for MMM so that you won't be stressed or panic easily.
You get 10% of Any help provided by your referrals.

In summary, i currently now have over 2,000,000 Naira gained from MMM Nigeria Community within a few months.
I always provide help and always request for help. I'm not keeping this to myself, i have showed friends, family and my Blog readers like you how to gain some passive income too with spare money by referring them.

I'll be willing to answer any questions you may have to ask about MMM Nigeria.
Hit the Reply Button below and leave a comment or Reach me via Mobile / WhatsApp: 080 3 505 3935.
- Soki Briggs
- soki2ng@gmail.com
Here's how to Change Guider in MMM Nigeria by yourself

« Last Edit: June 04, 2017, 08:00 AM by Briggz5d »

Re: A biased Review of MMM Nigeria 30% Income - REAL or SCAM?
« Reply #1 on: August 23, 2016, 02:28 PM »
Seriously, the way you started this write-up really scared me, I thought I have entered into one chance.
My thinking was, every other person has been testifying of the how MMM has been of benefit to them, why must it be a scam now that I have developed interest in it but after patiently reading through the entire post...mehn I was relieved.
Thanks for the encouragement, the secrets and the warnings.


Re: A biased Review of MMM Nigeria 30% Income - REAL or SCAM?
« Reply #2 on: August 24, 2016, 10:13 PM »
Basically one does things at his/her own risk. I bet you risked alot of cash and now you've gained alot from it too.
I have also started getting my monthly 30% rewards from MMM and i pray it continues.
thanks for referring me and answering all my plenty questions

« Last Edit: October 18, 2016, 03:18 PM by Briggz5d »

Re: A biased Review of MMM Nigeria 30% Income - REAL or SCAM?
« Reply #3 on: September 01, 2016, 03:21 PM »
I Was Really Impressed By Ur Take, But I Want To Ask Wats Ur Take On CBN/SEC threat towards mmm today.
I am a participant who has gone a trip successfully but scared by dis analysis.
Wat do i do sir! tanx.


Hello John,

Your concerns about the recent SEC publication about MMM is valid. One should always listen to news reports concerning it but never spread false rumors as they are capable of causing panic among participants.
I read the SEC publication and see it as a notice to the investing public to stay clear of any schemes that pay higher interest rates than the usual regulated rates.
In other words, they want you to keep your money with them so they can pay you peanuts as interest and slave you financially the rest of your life.

Apply the rule of providing help with spare money you're not currently using and you'll have nothing to worry about.
Thanks for reading and taking time out to leave a comment.

« Last Edit: October 18, 2016, 03:21 PM by Briggz5d »

Mr F

Re: A biased Review of MMM Nigeria 30% Income - REAL or SCAM?
« Reply #5 on: September 04, 2016, 02:27 AM »
Nice write up. GREAT👌. WELL some will be doubting while others will be dancing. mmm is just an answered prayers just that people don't understand the platform. All the risks and warnings are there for all and sundry. The stupid SEC people are probably telling us everything that MMM has warned us about. What's the country turning into BTW..when youths and every other Nigerians were suffering and going through the effects of very poor economy, no one cared for them, now MMM is here, sth we do with OUR money and they have appeared with yeye and unnew advice about staying away. They simply wanna tie us down to economic slavery but God has used this scheme to help the poor citizens. I say again, every nonsense those guts are spouting are already what we know. MMM already warned us about most of them. SEC, CBN, join govt to make Nigeria better stop the unwanted interest in our affairs you greedy fellas.


30% Income - REAL or SCAM?
« Reply #6 on: December 28, 2016, 05:22 PM »
Pls i was matched with someone to pay me. He called to tell me that he did atmtransfer but the money reversed and after that i waited with out receiving any time only 4 him to upload a statement showing that he has paid me and he also is claiming to have paid me what do i do


Resolve issues of Fake POP by Uploaded bank statements.
« Reply #7 on: December 28, 2016, 06:45 PM »

You should respond to the Order Chat with CRO if the Order displays a yellow Question mark.
Your response should include a signed and Stamped statement of account from your bank covering the dates from request was made till date.
Check the statement he uploaded to see the name he paid from and also compare that name / amount with your own statement you get from your bank.
Reach out to your Guider for more assistance or contact Guider Soki via whatsapp number shown above


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