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A HYIP or High-Yield Investment Program sites are Ponzi scammers and they are all about scam!
A ponzi scheme is a system by which investors are lured to invest in a program by promises of very high returns on the investment. Early investors are paid using the money that later investors invest in the scheme. Things go well until new investors stop joining the system and the money runs out.
Those HYIPs that are not ponzi schemes are frequently outright scams. Investors not only are never paid any interest yield, they also never see their original investment in the HYIP again either. If the returns sound too good to be true, the HYIP is likely too good to be true. Claims of secret banking systems and alternative financial networks are simply false. In fact, the problem became common enough to cause the Federal Bureau of Investigation (FBI) to issue warnings about being taken in by the claims made in these fraudulent programs. You are probably best off if you heed their warnings.
High yield income programs are not just a network phenomenon. This term refers to any investment bringing income more than the deposit account with the standard rates of 4–5% per year.
There are many off-line HYIP, they are all managed by registered companies and bring stable high income. However, the entrance limit, the minimal investment to participate in the project, as a rule, makes up the sum starting 500000$ and up to tenth millions. Surely, the private investor not having big savings is isolated from participation in the off-line high yield programs. For ordinary people the only way out is on-line HYIP. On-line HYIP rarely give true information about its commercial activity that is why the income sources may be very different; it is often impossible to check the information.