1. What is the name of this MLM NETWORK BUSINESS? (NGNFUND)

2. What is the meaning of NGNFUND? (Nigerian Naira Fund)

3. What is the alternative meaning given to NGNFUND


What is the name of the ORIGINATOR? (ISAAC MOMOH)

5. When was the NETWORK founded? (DECEMBER 2017)

When was the NETWORK launched? (January 2018)

7. What are ur products? (Subcriptions Service & Digital Media)

8. Do u hv an office in Nigeria? (No, we are Nigerian Online Platform, with various seminar centres across the 36 States Including FCT)

9. Are u sure this Network won’t fold up like others? (Very sure bcos all its requires is a one-time payment of 2k, minimal risk, no panicking, no December break)

10. How do i join your NETWORK? (Get a link from who told u abt the NETWORK and sign up or visit

11.  Must i refer before i start making money? (Yes, you re expected to invite 2 persons who is also capable of inviting 2 persons as well, u can make money from distributing referral links and in the absence of non, you can register under the NGNFUND "1Link"  system using you will automatically be assigned to the “1 LINK” system and benefit from the massive spillovers of referrals from the website.)

12. Getting pple is hard, how do i go abt it? (Not anymore in these days that we hv our families, loved ones and friends on social media platforms, just keep posting NGNFund testimonies with ur phone number and ur customized referral link on social media daily and see the numbers of people who will contact you)

13. Why should i target leaders to join me? (They have influence on people already)

14. You said referring pple is very good, how pls? (The mouth watering compensation plan that u get to earn at every level for referring just 2 persons and encouraging those 2 persons to do likewise, telling them about the cumulative benefits of almost NGN70,000,000 Million is easily and effortlessly achieved only by those who refer others)

how many people am i expected to directly refer? (just 2 people)

16. Can i refer more than 12 pple directly? (sure u can, as many as u can)

17. What is spillover? (Spillovers is when u get automatic referrals as a result of either serious uplines or serious Teams that you belong to. i.e ur direct downlines are completed already but ur Team/u keep inviting others using their/ur referral link. Ur new invites automatically falls under ur downlines)

18. Does spillovers help my downlines? (Yes, it helps a lot)

How then can i help my downlines? (keep inviting people by sharing ur referral link to people constantly or you can choose to use their referral link to signup pple)

20. Talking about money, how do I get paid? (participants transfer money directly to ur bank using the bank details that u submitted)

21. What is upgrading? (upgrading is simply paying a subscription fee (particular amount of money) to an upline in a higher level to enable you to earn from that level)

22. What is the benefit of upgrading? (the benefit of upgrading is that u don’t get to miss any donation coming from ur active downlines)

23. What if i don’t wish to upgrade? (you lose all i just mentioned on d benefits of upgrading and your downlines will overtake you)

24. How do i upgrade? (simple, log into ur acct and click d upgrade icon)

25. What is overtaking? (Overtaking is when someone refuses to pay or upgrade to the next level as at when due, the participant behind u who is ready and supposed to pay you bcoz you've not upgraded to the next level will overtake you to pay someone on that level. But if you mean business you can always overtake him/her back whenever he/she delays in upgrading too)

26. Can people outside Nigeria join NGNFUND? (Yes..... NGNFUND is an Online Network Platform available for all Nigerians in diaspora who have access to internet or mobile banking)

27. How does hving more referrals help me in NGNFUND? (it increases ur chances of hving active downlines, helps u earn more by growing ur base structure while u climb to a higher levels )

28. What is Stacking? (Stacking means registering youself, your siblings under yourself.)

29. Are there any punishment if I stacked? (Yes, if you re caught stacking. NGNFund reserves the right to move your accounts further down the matrix and strictly banned or block your accounts or pay a fine!)

30. When and how can i earn up to N70 Million and finally exit the matrix system? When you multiply 64 downlines by 64 downlines you get a total sum of 4096 downlines. which means that when you have attained level 6 and your downlines on your 6th level have also reached level 5 each, 64 of them will pay you N1 Million each whenever they re upgrading to level 6. at this point, your structure is completely filled up with 4096 downliners and you must have earned up to N70 Million and afterwards kicked out of the matrix system!

The sooner you start, the sooner you change your life - for the better


Q1. What is NGNFUND?

A. NGNFUND is a Subscription Service where members make a contribution to one another, to have access to different kinds of digital media and services on the Platform. Ngnfund is strictly a Person to Person/Member to Member, Team-Work Based, Naira Donations Network-Business Platform. Designed Intelligently to Help Members Earn Naira From a Spare Amount of NGN2,000

Q2. How does NGNFUND work?

A. When you join NGNFUND you join a community of like-minded members who are interested in subscribing to valuable content and services. Our subscription membership is open and you can either join by logging into or by being invited through a member's subscribe link.


Q3. How do I join NGNFUND?      

A. Get in touch with the person who invited you to provide you with their own unique invite link. Use that link to sign up. Or simply visit for registration


Q4. Is NGNFUND available worldwide?

A.  Yes, NGNFUND is available to anyone with an internet connection, a Mobile Banking App or Internet Banking and the willingness to become a member.


Q5. What pay processors are used?

A.  We use Naira to make it easy for members to make contributions to other members for now. Very soon, when the majority of our subscribers acquire the know-how of crypto currency, we shall introduce Bitcoin in addition to Naira, based on opinion polls.


Q6. Can I have more than one account and what does Stacking means in NGNFUND?

A.  Yes you can, but not more than 3 accounts, as long as you can manage them well, otherwise maintain only 1 account. but if you must, it is strongly recommended that you do not stack them. For example, you create another personal account directly under your first account. Or you registered your relatives with whom you shared same surname (Bank Details) directly under your account. This is considered stacking. This is an unethical practice and there’s a severe penalty for that, once detected, the system is automatically programmed to skip your donations and afterwards your account will be faced with deletion.


Q7. Are there any refunds?

A.  All contributions happen between members and it is up to members to reach an agreement amongst themselves if they allow refunds or not.


Q8. What does the "due date" mean in the back office?

A. It is the date your next contribution payment for that level is due. Contribution payments are a weekly/monthly subscription. In NgnFund we contribute weekly/monthly to receive weekly/monthly contributions from our team members.


Q9. Do we only upgrade to the next level after 2 weeks to 1 calendar month?

A. No, depending on how fast or how slow your structure is, you should upgrade to the next level the moment you are able to, so that you don't miss out on contributions coming to you for those levels.


 Q10. Are you allowed to upgrade even though your level is not filled up e.g to be on level 3 you must have 8 downline, does that mean you have to get exactly 8 before upgrading to level 4?

A. You can upgrade at any time, the sooner you are able to, the sooner you know you will not miss out on any contributions.


Q11. Where do I get the option to switch between 2 & 5 direct downlines.

A.  NO! there's no option to switch from 2 to 5 direct downlines, instead you can assist your downlines to get their own downlines too. is it called TEAMWORK.


Q12. Is it possible for downlines to upgrade to your upline instead of you if you're not on that level yet?

A.  Everyone can have their own unique experience in the system. It is best to upgrade the moment you are able to. If you don't you will miss contributions for the levels you have not upgraded to if there are members below you on those levels who upgrade fast. See below for when it is safe to upgrade to the next level.


Q13. When will two people be assigned to me? I was under the impression that as each person joins they are assigned under each person and so forth under my level?

A. YOU will need to find your own two people to join you and you can then help them find their 2 people to grow your team. Don't rely or expect spillovers.


Q14. Isn't this like a pyramid scheme?

A. Well a pyramid scheme means that only the top members of the hierarchy get paid whereas NgnFund allows every member to earn the same amount by doing the same amount of work. You can receive more contributions than the person who signed you up, that fact makes NgnFund a fair system.


Q15. Why does my referral link show up with Administrator when clicked on and not show my name?

A. There are a few factors that will influence which signup page you will see. 1) You will need to be signed out. 2) You will need to use the link of the person you want to sign up with. If you see the Admin link then you've not followed the previous 2 rules or you might need to clear your cookies.


Q16. Do we have to pay the N2,000, N4,000 and the N16,000, etc. every month?

A.  Yes, but it can be daily or weekly, as long as you want to continue to receive payments from each lower level, you need to upgrade (pay) to uplines in each level to qualify.


 Q17. After payment, do I need to upload a POP?

A.  Yes, it is a must! You will need to upload your proof of payment. Otherwise your transaction is not complete and you won’t be confirmed.


Q18. Can I use the same IP address to help my team to open accounts for multiple people?

A.  Yes you may as long as you don't stack accounts.


Q19. What happens if I don't pay my monthly subscription?

A.  If your monthly subscriptions are in arrears, for any level that you have upgraded to, then the subscriptions that would have come to you, for that particular level, will bypass you and go up to the relevant upline level that missed your subscription payment, if they are qualified. For example: If someone on your level 3, in your matrix, is either upgrading to level 3 or is paying their monthly subscription for level 3, if you are qualified, you will receive that subscription payment. If you are not yet on level 3 or you are in arrears on your level 3 monthly subscription, the subscription payment will bypass you and go to your level 3 upline, if they are qualified to receive a level 3 subscription payment, meaning they are already on level 3 and they are current with their level 3 monthly subscriptions. It works the same way with the regular upgrades and the monthly subscriptions... so don't get skipped!


Q20. What is the difference between upgrade and subscription on Ngnfund?

A. NgnFund is a weekly/Monthly contribution platform. When you first upgrade to a level, you are in fact making your first subscription payment for that level.  Approximately 30 days later, the second monthly subscription payment is due and 5 days before it is due, you will see a green "Pay Now" button. The simple answer is, there is no difference.  It's just that the first payment is made through the "Upgrade to Next Level" button and all other subsequent subscription payments are made through the "Pay Now" button, for each level you have upgraded to.


Q21. What is the IP Lock function for?

A.  In some countries the ISP (Internet Service Provider) gives out static IPs (internet address that does not change) to their clients while most give dynamic IPs to their clients (internet address that do change). This is an added security feature available to members who have Static IPs if they choose to use it. Members who's IPs regularly change, that will be most of the world, should not use this function as it will lock you out of your account once your IP changes.


Q22. When can I become a Team Leader?

A.  You are qualified to become a Team Leader, the moment you signed up, based on your Team Spirit, your Passion and your Speed to diligently build up your structure. At level 3 (GOLD), you will be automatically recognised by the system.


Q23. What are the benefits of being a Team Leader?

A.  You are qualified to be part of the “NGNFUND TEAM” having direct contact with the administrative, get first-hand information and orientation and a growth opportunity for your Team and /or Team Mates to be recognised on “NGNFUND STATISTICS”


Q24. What if I can't find 2 people in 30 days?

A. You have 30 days in which to find 2 people to join you in the program. You can either find 2 people before you even join to make sure you are ready. If you are not able to find 2 people in 30 days then you first need to go learn how to recruit, and then come join the program. If you already joined the program and you were not able to find 2 people in the 30 days then you can either quit the program or you can pay your subscription to your upline and go get your 2 so that you can get subscription payments.


Q25. Why does NgnFund have subscription payments?

A.  The Subscription Payments is a unique feature of NgnFund (yes there are copycats offering the same feature now). Why would you want to be paid once only when you can be paid over and over again? Without any additional effort on your side you can build your matrix to receive subscription payments from your members every week, week after week. You pay your subscription payment for level 1 and in turn you receive 2 such payments, essentially doubling your money every week. Then you go for level 2, pay N2,000 and receive back anything from N2,000 to N8,000 so that you quadruple your money. Do that with every level as your income grows and you will soon reach the stage where you will receive much more than what you put in. This is not a race, take your time, build your network and you will reach the heights you've never thought possible.


Q26. When should I upgrade to the next level? (the upgrade timer counting down 48 hours)

A. It is important to follow the following two rules before upgrading to any level.
1) You should have received enough from your current level from your downline to cover the cost of upgrading to the next level.
2) You should have members in your downline on the level you are upgrading to ready to pay you back your upgrade cost. (I will explain this in more detail in the following examples)


Q27. When should I upgrade to Level 2 (SILVER)?

A.  It is important to follow the following two rules.

1) You have 2 people on your level 1 (BRONZE). They should have both paid you their N2,000 each. You should have received enough from your level 1 (BRONZE) downlines (2 x N2,000) to cover the cost of upgrading to level 2 (SILVER) (N2,000). You earn N4,000 excluding transaction fees after upgrade to level 2 (SILVER).
If you were not able to find 2 people to join you within 30 days, then don't spend another N2,000 to pay again for your level 1 (BRONZE). You first need to find your 2 people so that you can be sure you will get your money back that you've spent in the program. Only after you found two people to join you should you spend N2,000 again so that you can get your money back the moment your two pays their upgrades. NgnFund was developed to make you money not lose you money, be smart.

2) You should have 2 members on your level 2 (SILVER) who are upgraded to level 1 (BRONZE) at least, that will ensure that your level 2 (SILVER) members have the support structure in place to pay you again next month to help cover your subscription payment when you want to upgrade to level 3 (GOLD).


Q28. When should I upgrade to Level 3 (GOLD)?

A.  It is important to follow the following two rules.

1) You can have up to 4 people on your level 2 (SILVER). At least 2 of the 4 people should have paid you their N2,000 each. You should have received enough from your level 2 (SILVER) downlines (2 x N2,000) to cover the cost of upgrading to level 3 (GOLD) (N4,000). You can earn up to N16,000 excluding transaction fees after upgrading to level 3 (GOLD).

2) You should have 4 members on your level 3 (GOLD) who are upgraded to level 2 (SILVER) at least, that will ensure that your level 3 (GOLD) members have the support structure in place to pay you again next month to help cover your subscription payment when you want to upgrade to level 4 (PLATINUM).


Q29. When should I upgrade to Level 4 (PLATINUM)?

A.  It is important to follow the following two rules.

1) You can have up to 8 people on your level 3 (GOLD). At least 4 of the 8 people should have paid you their N4,000 each. You should have received enough from your level 3 (GOLD) downlines (4 x N4,000) to cover the cost of upgrading to level 4 (PLATINUM) (N16,000). You can earn up to N128,000 excluding transaction fees after upgrading to level 4 (PLATINUM).

2) You should have 8 members on your level 4 (PLATINUM) who are upgraded to level 3 (GOLD) at least, that will ensure that your level 4 (PLATINUM) members have the support structure in place to pay you again next month to help cover your subscription payment when you want to upgrade to level 5 (EMERALD).


Q30. When should I upgrade to Level 5 (Emerald)? 

A.  It is important to follow the following two rules.

1) You can have up to 16 people on your level 4 (PLATINUM). At least 8 Of the 16 people should have paid you their N16,000 each. You should have received enough from your level 4 (PLATINUM) downlines (8 x N16,000) to cover the cost of upgrading to level 5 (EMERALD) (N128,000). You can earn up to N2,048,000 excluding transaction fees after upgrading to level 5 (EMERALD).

2) You should have 16 members on your level 5 (Emerald) who are upgraded to level 4 (PLATINUM) at least, that will ensure that your level 5 (EMERALD) members have the support structure in place to pay you again next month to help cover your subscription payment when you want to upgrade to level 6 (DIAMOND).


Q31. When should I upgrade to Level 6 (DIAMOND)?

A.  It is important to follow the following two rules.

1) You can have up to 32 people on your level 5 (EMERALD). At least 16 of the 32 people should have paid you their N128,000 each. You should have received enough from your level 5 (EMERALD) downlines (16 x N128,000) to cover the cost of upgrading to level 6 (DIAMOND) (N2,048,000). You can earn up to N131,000,000 excluding transaction fees after upgrading to level 6 (DIAMOND).

2) You should have at least 32 member on your level 6 who are upgraded to level 5 at least to help you maintain your level 6 payments.


Q32. What happens if I failed to upgrade to the next level after 2 weeks to 1 calendar month and my Subscription expires?


In the case whereby members defaulted and failed to upgrade to the next level within the stipulated time, your upgrade subscription expires and your account will be placed on ARREARS. You can only receive donations from the levels you are qualified to receive. You will not receive any donations from the levels you are meant to upgrade to in arrears.

NOTE! This is the point where donations will skip you and your downlines will also overtake you.

           Remember! ´In NGNFUND, Overtaking is allow´


Q33. What happens if I want to upgrade to the next level after my Subscription has expires?

A.  To upgrade to the next level after your subscription has expired, go to your dashboard and click on the green button “PAY NOW” it will direct you to another page “Account Upgrade” in current stage, simply follow the instructions.

  • You must complete the following 2 steps.
  • Step1: Send your payment to the bank account listed by the Recipient/Payee.
  • Step2: Submit your POP in the form provided below
  • Then wait for your payment confirmation.
  • Your upgrade will not be in effect until donation is confirmed.

     Note! Time is Money. NGNFUND is designed to reward active and hardworking participants

                in meeting their set goals within a given time and to punish defaulters as well.


The platform is made available World-Wide, free of charge.

There are No Admin fees.

NGNFUND is an open investment Platform.

The system was designed in such a way that it can be used by members to make and receive monthly subscription payments.

The monthly subscriptions are NOT collected by the Administrator, nor are they automated by the system, rather subscription payments are sent directly and personally from one member to another member, from one member’s Bank Account to another member’s Bank Account.