Torexo Finance Review: Return of the Boris CEO Ponzis?

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Torexo Finance provides no information on its website about who owns or runs the company.

In fact as I write this, Torexo Finance’s website is nothing more than an expired launch timer.

An official Torexo Finance marketing presentation cites “Leonardo Santoro” as founder of the company.

Santoro doesn’t exist outside of Torexo Finance’s marketing material. He’s also depicted against a greenscreen backdrop of a virtual office, making him a prime Boris CEO candidate.

Torexo Finance’s website domain (“torexo.com”) was originally registered in 2018.

The private registration was last updated on May 7th, 2021. This is likely when Torexo Finance’s owners took possession of the domain.

This is supported by a search of the Wayback Machine, which reveals Torexo Finance’s website domain was for sale up until it was purchased this month.

Despite not existing until a few weeks ago, in their official marketing material, Torexo Finance falsely claims;

The history of the Torexo company began in 2016 when Leonardo Santoro created a team of traders and trust management pool from several dozen clients.

If we look at the source-code of Torexo Finance’s website, we can see HTML elements in Russian:

This strongly suggests Torexo Finance is being run by someone from Russia or the Ukraine.

Supporting this is Alexa traffic estimates, which peg the top sources of traffic to Torexo Finance’s website as Russia (45%), Vietnam (15%) and the Ukraine (11%).

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.

Torexo Finance’s Products

Torexo Finance has no retailable products or services.

Affiliates are only able to market Torexo Finance affiliate membership itself.

Torexo Finance’s Compensation Plan

Torexo Finance affiliates invest $50 to $1000 on the promise of a daily 0.4% to 2.2% ROI.

A bonus daily ROI rate of up to 0.2% is also available, based on how much a Torexo Finance affiliate invests.

Torexo Finance’s official marketing presentation cites a 1% “expected daily rate of return on investment”.

Torexo Finance solicits investment in bitcoin, ethereum and tether.

Investment and returns are tracked internally through “Torexo Dollar” (TD), an internal points based system.

For the purpose of investment and daily return calculation, 1 TD is equal to $1 USD.

Note that Torexo Dollar applies a 5% withdrawal fee and 2% fee on reinvestment.

Torexo Finance Affiliate Ranks

There are twenty affiliate ranks within Torexo Finance’s compensation plan.

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

  • Leader Junior 1 – generate $500 in accumulated weaker binary team volume
  • Leader Junior 2 – generate $1000 in accumulated weaker binary team volume
  • Leader Junior 3 – personally recruit one Leader Junior 1 and generate in accumulated weaker binary team volume
  • Leader Junior 4 – personally recruit one Leader Junior 2 and generate in accumulated weaker binary team volume
  • Leader Junior 5 – personally recruit one Leader Junior 3 and generate $10,000 in accumulated weaker binary team volume
  • Leader Middle 1 – personally recruit one Leader Junior 3 and one Leader Junior 2, and generate $20,000 in accumulated weaker binary team volume
  • Leader Middle 2 – personally recruit one Leader Junior 4 and one Leader Junior 3, and generate $35,000 in accumulated weaker binary team volume
  • Leader Middle 3 – personally recruit one Leader Junior 5 and one Leader Junior 4, and generate $50,000 in accumulated weaker binary team volume
  • Leader Middle 4 – personally recruit one Leader Manager 1 and one Leader Junior 5, and generate $100,000 in accumulated weaker binary team volume
  • Leader Middle 5 – personally recruit one Leader Manager 2 and one Leader Manager 1, and generate $150,000 in accumulated weaker binary team volume
  • Leader Senior 1 – personally recruit one Leader Manager 2, one Leader Manager 1 and one Leader Junior 5, and generate $200,000 in accumulated weaker binary team volume
  • Leader Senior 2 – personally recruit one Leader Manager 3, one Leader Manager 2 and one Leader Manager 1, and generate $300,000 in accumulated weaker binary team volume
  • Leader Senior 3 – personally recruit one Leader Manager 4, one Leader Manager 3 and one Leader Manager 2, and generate $500,000 in accumulated weaker binary team volume
  • Leader Senior 4 – personally recruit one Leader Manager 5, one Leader Manager 4 and one Leader Manager 3, and generate $700,000 in accumulated weaker binary team volume
  • Leader Senior 5 – personally recruit one Leader Senior 1, one Leader Manager 5 and one Leader Manager 4, and generate $1,000,000 in accumulated weaker binary team volume
  • Top Leader 1 – personally recruit one Leader Senior 1, one Leader Manager 5, one Leader Manager 4 and one Leader Manager 3, and generate $1,500,000 in accumulated weaker binary team volume
  • Top Leader 2 – personally recruit one Leader Senior 2, one Leader Senior 1, one Leader Manager 5 and one Leader Manager 4, and generate $2,000,000 in accumulated weaker binary team volume
  • Top Leader 3 – personally recruit one Leader Senior 3, one Leader Senior 2, one Leader Senior 1 and one Leader Manager 5, and generate $3,500,000 in accumulated weaker binary team volume
  • Top Leader 4 – personally recruit one Leader Senior 4, one Leader Senior 3, one Leader Senior 2 and one Leader Senior 1, and generate $5,000,000 in accumulated weaker binary team volume
  • Top Leader 5 – personally recruit one Leader Senior 5, one Leader Senior 4, one Leader Senior 3 and one Leader Senior 2, and generate $10,000,000 in accumulated weaker binary team volume

Productivity Index

Torexo Finance’s Productivity Index either reduces or increases earned commissions based on downline investment criteria.

  • personally generate 0 to 50 active investments and receive a 0.9x productivity index
  • personally generate 100 to 450 active investments and receive a 0.91x productivity index
  • personally generate 500 to 950 active investments and receive a 0.92x productivity index
  • personally generate 1000 to 1950 active investments and receive a 0.93x productivity index
  • personally generate 2000 to 2950 active investments and receive a 0.94x productivity index
  • personally generate 3000 to 3950 active investments and receive a 0.95x productivity index
  • personally generate 4000 to 4950 active investments and receive a 0.96x productivity index
  • personally generate 5000 to 5950 active investments and receive a 0.97x productivity index
  • personally generate 6000 to 6950 active investments and receive a 0.98x productivity index
  • personally generate 7000 to 7950 active investments and receive a 0.99x productivity index
  • personally generate 8000 to 8950 active investments and receive a 1x productivity index
  • personally generate 9000 to 9950 active investments and receive a 1.01x productivity index
  • personally generate 10,000 to 10,950 active investments and receive a 1.02x productivity index
  • personally generate 11,000 to 11,950 active investments and receive a 1.03x productivity index
  • personally generate 12,000 to 12,950 active investments and receive a 1.04x productivity index
  • personally generate 13,000 to 13,950 active investments and receive a 1.06x productivity index
  • personally generate 14,000 to 14,950 active investments and receive a 1.08x productivity index
  • personally generate over 15,000 active investments and receive a 1.1x productivity index

Torexo Finance’s compensation plan states the Productivity Index is applies to “earned money”.

Whether this includes the daily ROI is unclear.

Referral Commissions

Torexo Finance pays referral commissions via a unilevel compensation structure.

A unilevel compensation structure places an affiliate at the top of a unilevel team, with every personally recruited affiliate placed directly under them (level 1):

If any level 1 affiliates recruit new affiliates, they are placed on level 2 of the original affiliate’s unilevel team.

If any level 2 affiliates recruit new affiliates, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

Torexo Finance cap payable unilevel team levels at five.

Referral commissions are paid out as a percentage across these five levels based on how much a Torexo Finance affiliate has invested:

  • invest $100 to $950 and receive 2% on level 1 (personally recruited affiliates)
  • invest $1000 to $4950 and receive 3% on level 1 and 1% on level 2
  • invest $5000 to $9950 and receive 4% on level 1, 2% on level 2 and 1% on level 3
  • invest $10,000 to $19,950 and receive 5% on level 1, 2% on level 2, 1% on level 3 and 0.5% on level 4
  • invest $20,000 to $49,950 and receive 5% on level 1, 3% on level 2, 2% on level 3 and 1% on level 4
  • invest $50,000 to $99,950 and receive 6% on level 1, 3% on level 2, 2% on level 3, 1% on level 4 and 0.5% on level 5
  • invest $100,000 to $500,000 and receive 6% on level 1, 4% on level 2, 3% on level 3, 2% on level 4 and 1% on level 5

Residual Commissions

Torexo Finance 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.

Residual commissions are paid as a percentage of funds generated on an affiliate’s weaker binary team side.

Residual commission rates are calculated based on rank:

  • Leader Junior 1 – 4.5%
  • Leader Junior 2 – 5%
  • Leader Junior 3 – 5.5%
  • Leader Junior 4 – 6%
  • Leader Junior 5 – 6.5%
  • Leader Middle 1 – 7%
  • Leader Middle 2 – 7.5%
  • Leader Middle 3 – 8%
  • Leader Middle 4 – 8.5%
  • Leader Middle 5 – 9%
  • Leader Senior 1 – 9.5%
  • Leader Senior 2 – 10%
  • Leader Senior 3 – 10.5%
  • Leader Senior 4 – 11%
  • Leader Senior 5 – 11.5%
  • Top Leader 1 – 12%
  • Top Leader 2 – 12.5%
  • Top Leader 3 – 13%
  • Top Leader 4 – 13.5%
  • Top Leader 5 – 14%

A bonus residual commission rate is added to above percentages if the following additional rank-based qualification criteria is met:

  • Leader Junior 1 who invests $100, generates $500 in personally recruited affiliate volume and $2500 in downline volume = +0.5%
  • Leader Junior 2 who invests $200, generates $1000 in personally recruited affiliate volume and $5000 in downline volume = +1%
  • Leader Junior 3 who invests $500, generates $2000 in personally recruited affiliate volume and $10,000 in downline volume = +1.5%
  • Leader Junior 4 who invests $1000, generates $3500 in personally recruited affiliate volume and $17,000 in downline volume = +2%
  • Leader Junior 5 who invests $1500, generates $5000 in personally recruited affiliate volume and $25,000 in downline volume = +2.5%
  • Leader Middle 1 who invests $2000, generates $7000 in personally recruited affiliate volume and $35,000 in downline volume = +3%
  • Leader Middle 2 who invests $2500, generates $10,000 in personally recruited affiliate volume and $50,000 in downline volume = +3.5%
  • Leader Middle 3 who invests $3000, generates $15,000 in personally recruited affiliate volume and $75,000 in downline volume = +4%
  • Leader Middle 4 who invests $4000, generates $20,000 in personally recruited affiliate volume and $100,000 in downline volume = +4.5%
  • Leader Middle 5 who invests $5000, generates $25,000 in personally recruited affiliate volume and $125,000 in downline volume = +5%
  • Leader Senior 1 who invests $5000, generates $30,000 in personally recruited affiliate volume and $150,000 in downline volume = +5.5%
  • Leader Senior 2 who invests $6500, generates $40,000 in personally recruited affiliate volume and $100,000 in downline volume = +6%
  • Leader Senior 3 who invests $8000, generates $50,000 in personally recruited affiliate volume and $300,000 in downline volume = +6.5%
  • Leader Senior 4 who invests $10,000, generates $65,000 in personally recruited affiliate volume and $500,000 in downline volume = +7%
  • Leader Senior 5 who invests $15,000, generates $80,000 in personally recruited affiliate volume and $750,000 in downline volume = +8%
  • Top Leader 1 who invests $20,000, generates $100,000 in personally recruited affiliate volume and $1,000,000 in downline volume = +7.5%
  • Top Leader 2 who invests $35,000, generates $150,000 in personally recruited affiliate volume and $1,500,000 in downline volume = +8%
  • Top Leader 3 who invests $50,000, generates $200,000 in personally recruited affiliate volume and $2,500,000 in downline volume = +8.5%
  • Top Leader 4 who invests $70,000, generates $350,000 in personally recruited affiliate volume and $500,000 in downline volume = +9.5%
  • Top Leader 5 who invests $100,000, generates $500,000 in personally recruited affiliate volume and $10,000,000 in downline volume = +10%

Note that downline volume is only counted across five unilevel team legs.

Rank Achievement Bonus

Torexo Finance rewards affiliates for qualifying at the Leader Junior 1 and higher ranks as follows:

  • qualify at Leader Junior 1 and receive $50
  • qualify at Leader Junior 2 and receive $100
  • qualify at Leader Junior 3 and receive $150
  • qualify at Leader Junior 4 and receive $200
  • qualify at Leader Junior 5 and receive $250
  • qualify at Leader Middle 1 and receive $300
  • qualify at Leader Middle 2 and receive $400
  • qualify at Leader Middle 3 and receive $550
  • qualify at Leader Middle 4 and receive $750
  • qualify at Leader Middle 5 and receive $1000
  • qualify at Leader Senior 1 and receive $1500
  • qualify at Leader Senior 2 and receive $2500
  • qualify at Leader Senior 3 and receive $4000
  • qualify at Leader Senior 4 and receive $6500
  • qualify at Leader Senior 5 and receive $10,000
  • qualify at Top Leader 1 and receive $15,000
  • qualify at Top Leader 2 and receive $20,000
  • qualify at Top Leader 3 and receive $35,000
  • qualify at Top Leader 4 and receive $50,000
  • qualify at Top Leader 5 and receive $70,000

Joining Torexo Finance

Torexo Finance affiliate membership is free.

Full participation in the attached income opportunity is tied to an initial $50 to $1000 investment.

Torexo Finance solicits investment in bitcoin, ethereum and tether.

Conclusion

Torexo Finance’s official YouTube channel was created on May 4th, 2021. Its Facebook page was registered on May 21st.

A few days later the great Boris CEO Ponzi collapse began, resulting in no less than six near identical Ponzi schemes of Russian origin collapsing.

Rostex Global, TwindaxTeqraMirollexOnward Capital and Impero Solutions.

It is believed these schemes are run by the same criminals, or groups of criminals working together.

Torexo Finance appears to be a relaunch by the same group of Russians.

I believe the original plan would have seen Torexo Finance launch as planned last week.

Having to collapse all their previously launched Ponzi schemes however, due to the cryptocurrency crash, has now pushed back Torexo Finance’s launch.

Torexo Finance has all of the Boris CEO ingredients; an actor founder/CEO, Russian involvement and non-existent external revenue generation.

One abnormality is the extra detail put into Torexo Finance’s compensation plan – it’s a little more fleshed out over your typical Boris CEO two or three levels of referral commissions affair.

In any event with no actual external source of revenue, Torexo Finance will collapse when recruitment dries up. Either that or another crypto collapse.

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

Should enough gullible morons sign up to lose money, Torexo Finance’s marketing material reveals a shit token exit-scam strategy.

In July 2021 Torexo Finance will launch “Torexo Coin”. This launch will coincide with Torexo Dollar withdrawals being disabled.

Torexo Dollar balances will be converted to Torexo Coin and then dumped on some dodgy exchange.

From there it’s the standard race to the bottom. Torexo Coin plummets to $0, Torexo Finance’s website disappears (if it hasn’t already) and sorry for your loss.

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