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NBH Finance Review: 200% ROI “Anton from Karatbars” Ponzi



NBH Finance provides no verifiable executive or ownership information on its website.

NBH Finance claims to be part of “NBH Group” but fails to provide any further details.

Analysis of NBH Finance’s provided executive information reveals made-up names and stolen/stock photos:

NBH Finance’s website domain (“”) was privately registered on June 25th, 2021.

Analysis of NBH Finance’ compensation document reveals it was authored by someone going by “Anton”:

Anton appears to have modeled NBH Finance’s compensation document on that of Karatbars International.

Karatbars International was a crypto Ponzi scheme that imploded in late 2020.

As always, if an MLM company is not openly upfront about who is running or owns it, think long and hard about joining and/or handing over any money.

NBH Finance’s Products

NBH Finance has no retailable products or services.

NBH Finance affiliates are only able to market affiliate membership itself.

NBH Finance’s Compensation Plan

NBH Finance affiliates invest funds on the promise of an advertised 200% ROI:

  • Basic – $6 annual fee, invest up to $50
  • Starter – $9 annual fee, invest up to $100
  • Plus – $15 annual fee, invest up to $500
  • Economic – $22 annual fee, invest up to $1000
  • Standard – $50 annual fee, invest up to $5000
  • Elite – $90 annual fee, invest up to $10,000
  • Pro – $135 annual fee, invest up to $15,000

Note that which investment tier an NBH Finance affiliate comes in at impacts their income potential.

The MLM side of NBH Finance pays on recruitment of affiliate investors.

NBH Finance Affiliate Ranks

There are six affiliate ranks within NBH Finance’s compensation plan.

Along with their respective qualification criteria, they are as follows:

  • Silver – generate $1500 in accumulated investment on both sides of your binary team
  • Gold – have three Silver ranked affiliates on both sides of your binary team
  • Diamond – have three Gold ranked affiliates on both sides of your binary team
  • Ambassador – have three Diamond ranked affiliates on both sides of your binary team
  • Brand Ambassador – have three Ambassador ranked affiliates on both sides of your binary team
  • Black Diamond – have three Brand Ambassador ranked affiliates on both sides of your binary team

Referral Commissions

NBH Finance affiliates earn 10% of funds invested by personally recruited affiliates.

Residual Commissions

NBH Financial pays residual commissions via a binary compensation structure.

A binary compensation structure places an affiliate at the top of a binary team, split into two sides (left and right):

The first level of the binary team houses two positions. The second level of the binary team is generated by splitting these first two positions into another two positions each (4 positions).

Subsequent levels of the binary team are generated as required, with each new level housing twice as many positions as the previous level.

Positions in the binary team are filled via direct and indirect recruitment of affiliates. Note there is no limit to how deep a binary team can grow.

At the end of each day NBH Financial tallies up new investment volume across both sides of the binary team.

Affiliates are paid 6% of funds matched on both sides, capped based on which investment tier they signed up at:

  • Basic tier affiliates can earn up to $30 a day
  • Starter tier affiliates can earn up to $90 a day
  • Plus tier affiliates can earn up to $150 a day
  • Economic tier affiliates can earn up to $200 a day
  • Standard tier affiliates can earn up to $300 a day
  • Elite tier affiliates can earn up to $500 a day
  • Pro tier affiliates can earn up to $1200 a day

Rank Commission Bonus

The Rank Commission Bonus is a bonus applied to residual commission rates.

Gold and higher ranked NBH Finance affiliates earn the Rank Commission Bonus as follows:

  • Gold ranked affiliates earn a 1% Rank Commission Bonus rate
  • Diamond ranked affiliates earn a 1.5% Rank Commission Bonus rate
  • Ambassador ranked affiliates earn a 1.75% Rank Commission Bonus rate
  • Brand Ambassador ranked affiliates earn a 2% Rank Commission Bonus rate
  • Black Diamond ranked affiliates earn a 2.5% Rank Commission Bonus rate

Rank Achievement Bonuses

NBH Finance reward affiliates who qualify at Silver and higher with the following Rank Achievement Bonuses:

  • qualify at Silver and receive a laptop or $200
  • qualify at Gold and receive a trip or $400
  • qualify at Diamond and receive a motorcycle or $1400
  • qualify at Ambassador and receive another trip or $2700
  • qualify at Brand Ambassador and receive a car or $25,000
  • qualify at Black Diamond and receive a house or $60,000

Note that NBH Finance Rank Achievement Bonuses are vague due to photos used to represent the bonuses with no written clarification.

Power Pool

NBH Finance places 2% of company-wide investment volume into a Power Pool.

Black Diamond ranked affiliates receive a share of the Power Pool each month.

Joining NBH Finance

NBH Finance affiliate membership costs $6 to $135 annually.

Full participation in the attached income opportunity requires an additional $50 to $50,000 initial investment.

NBH Finance solicits investment in bitcoin, ethereum, litecoin and USD.

NBH Finance Conclusion

NBH Finance claims it generates external revenue via a number of sources.

We have bank and insurance Properties business. We also have stock, bond and international currency business and gold-oil-crypto trading.

This appears to be a mishmash of anything that’ll stick. No evidence of NBH Finance being engaged in any of the stated activities is provided.

Furthermore if NBH Finance had all those businesses, all of which were presumably already generating profitable revenue, what do they need your money for?

As it stands the only verifiable source of revenue entering NBH Finance is new investment.

Using new investment to pay affiliates a 200% ROI makes NBH Finance a Ponzi scheme.

As with all MLM Ponzi schemes, once affiliate recruitment dries up so too will new investment.

This will starve NBH Finance of ROI revenue, eventually prompting a collapse.

The math behind Ponzi schemes guarantees that when they collapse, the majority of participants lose money.

The Blogger Scientist is a "Medical Physiologist" and a "Financial Asset" Content Creator who aims at enlightening web reader on varying Financial Assets such as Stocks, FX, Crypto, MLM,. HYIP among others.

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