Review: Legit way to Earn Free 164 Bitcoin or Scam?

Hello Everyone,

I am Victor O. Fabuluje also called fabulous Fab, a Physiotherapist, blogger, cryptocurrency,  ICT and MLM Enthusiast. I welcome you all to this short presentation about Zarfund.

Recently,  I and my team ventured into a new online investment, and I must tell you it’s the best investment the world has ever seen.What makes it so appealing is the sheer lack of risk involved and high turn-over. Zarfund is not a #HYIP.

Zarfund is a game changer in the investment and MLM industry. Zarfund operates using your Bitcoin Wallet.


Bitcoin is a digital asset (like a digital gold). An innovative payment network. Its a form of digital currency, created and held electronically. Its a new kind of money. In 2009 when Bitcoin was incoporated in to the internet for online transactions, one bitcoin was equivalent to about $0.10. But today, Ladies and gentlemen, the boss has taken over!  


Yeah you heard me right..$730.29 (over N350,000). The value of bitcoin is on a daily increase…

It is the major cryptocurrency (digital currency), which can be used to send/receive value to/from various part of the globe using the Internet. It’s a decentralized currency,  No federal agency controls it (as such can’t be devalued)  Bitcoins aren’t printed, like dollars 💵, naira, pounds 💷 , yen 💴 , euros 💶 etc. It can be used in paying online/offline bills, shopping, investment, Forex trading. You can even recharge your phone with it. You can buy and sell btc from various exchangers both online and offline, and you could exchange it into any local currency too. All you need to have is your bitcoin wallet which is like a bank account to store your Bitcoins.

How do I start? 

First you need a bitcoin account – bitcoin is the leading cryptocurrency in the world (Just think of it like an online account to hold your dollars).
To open a bitcoin account go to to
It’s very straight-forward under 2mins you are done. NB Not all browsers are supported if you are using a mobile device, use Google Chrome or Mozilla Firefox.
After you register, login you will see send and receive, click on receive. Your bitcoin address will be displayed (your bitcoin address is like your account number) the address is a combination of alphabet and numbers always starting with “1” something like this1PtutzmyvPY8TXgbq9g5y5tboEGybFizkS copy it carefully, paste and save it (possibly in WordPad or Notepad)

How do I fund and withdraw? 

It’s as easy as depositing and withdrawing from your local bank account.
You have two options.

1. You make use of e-currency exchangers (they are  companies who  exchange dollars in Nigeria) the likes of InstantGold, 247Exchange, instantexchangers, etc…
2. You make use of online merchants. Most of our members make use of online merchants because it’s instantaneous.

To use e-currency exchangers you go to their site, sign up with them first, satisfy their KYC requirements, then click on buy bitcoin to #buy, or #sell bitcoin to sell (There’s no limit, you can buy or sell any amount)

To use online merchants send me a message I will connect you to one of our online merchants you send them the money and they send you your dollars immediately, no waiting no registration (will advise you use them for funding, I can also fund you myself).
Fund your account with at least 0.031btc ($22)

What is Zarfund? 

ZARFUND is a semi-automated Person-To-Person Direct Donation Platform based on a binary (2×6) Matrix system. It was designed in such a way that it can be used by Fundraisers, such as Charities, Schools, Clubs, non-profits, family, and personal financial needs etc.

The donations are NOT collected by the Administrator, nor are they automated by the system, there’s no central account (where the money can be stolen), rather donations are sent directly and personally from one member to another member, from one member’s Bitcoin Wallet to another member’s Bitcoin Wallet.

Who is the founder of Zarfund? 

The founder of Zarfund is Hannes Jordaan. He is from South Africa and has started this company for the sole purpose of helping people like you and me to succeed in making money online


First, you register and pay 0.03BTC (about $22/12k5).  Then Invite 2 people 👫

Level 1: Get 2 people x 0.03btc=0.06BTC

(Upgrade with 0.05) Remaining 0.01btc about (N4, 000) buy yourself a drink 🍻 

Level 2: Get 4 people x 0.05btc= 0.2BTC.

(Upgrade with 0.1 BTC) the remaining 0.1btc about (N40,000) is for your minor bills 😬 
Level 3:
 You get 8 people x 0.1= 0.8BTC.

(Upgrade with 0.2 BTC). The remaining 0.6btc which is about (N240k) is for anything you wish to do with it 😜

Level 4: You get 16 people x 0.2BTC= 3.2 BTC.

(Upgrade with 1 BTC).  The remaining 2.2btc which is about N800k you fit use am buy small car dey cruise around town:mrgreen:👍

Level 5: You get 32 people x 1BTC= 32 BTC

(Upgrade with 2 BTC). The remaining 30btc which is over N11m you fit use am start ur own Shoprite (Mall) 
Level 6:
 You get 64 people x 2BTC= 128 BTC

All the 128btc is yours, this is about N50m 👍😂

No more upgrade,  so at this point you can decide not to work for anybody for the rest of your life, just retire and relax,  travel the world,  anything you wish to do…  But we’ll recommend that you join us in other cryptocurrency (TheBillionCoinOneCoin and/or YoCoin). That’s optional though but it’s essential 🏄🚴‍♀🎧🎤🎻🎮🎺🏊
The money is so much that the choices are endless 👏 This amount could be earned over and over on a monthly basis with Zarfund Monthly subscription. Banner

Why should I join your Zarfund team? 

We have a team that works tirelessly with the aim of taking all our members to level 6 in the shortest possible time. When you join our WhatsApp/Telegram group, we’ll mentor (help you open your Bitcoin Wallet, we’ll fund it for you), then you’ll join our team. I will give you one of our members’ link to register. 
That’s how we help our Team Members with referrals, and how we will help you also. Once you register you will be directed to our upgrade team (our team members in charge of helping new members upgrade) within 10mins you will have been fully upgraded to level 1 and you will be added to our members masterclass.

Is it that easy? 

Yes it is. Teamwork makes the dream work, we grow as a team, all you need to do is invite your friends to our WhatsApp Group where they will get trained and converted for you but remember you need only 2 referrals to get started. Without your referrals having referrals we can’t grow as a team.

How secure is this business? 

I can’t stress it enough how safe Zarfund is. I will just give one point.  You have total control of your money at all times, your investment is always in your blockchain account (which is the leading online account in the world). Zarfund is just the platform, A means to an end

Zarfund is the next big thing, less than two months its already the most in demand investment, with a Founder willing to tell the whole world who he is.

You’d be given a referral link after you must have been adequately tutored on how to create/fund your Bitcoin Wallet. Sign up with the referrer link and enjoy spill overs of downliners within the shortest time possible

Join my WhatsApp / Telegram group here and invite all your friends with it too, we do online seminars 21:00hrs GMT+1 (W.Central African)  daily in our group.

Join here, copy and paste the link below into your URL if it’s unclickable


Q. What is ZARFUND?

A. ZARFUND is a Subscription Service where members pay a monthly subscription to have access to different kinds of digital media and services on the ZarFund Platform.

Q. How does ZARFUND work?

A. When you join ZARFUND you join a community of like-minded members who are interested in subscribing to valuable content and services. Our subscription membership is private and you can only join by being invited through a member’s subscribe link.
Q. How do I join ZARFUND?

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.

Q. Is ZARFUND available worldwide?

A. Yes, ZARFUND is available to anyone with an internet connection, a Bitcoin wallet and the willingness to become a member.

Q. What payment processors are used?

A. We only use Bitcoin to make it easy for members to pay for their subscriptions.

Q. Can I have more than one account?

A. Yes you can but it is strongly recommended that you do not stack them. For example, you create another personal account under your first account. This is considered stacking. This is an unethical practice.

Q. Are there any refunds?

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

Q. I don’t have a bitcoin wallet where do I go to open a bitcoin wallet.

A. The only places we highly recommend you go get a Bitcoin wallet is at Blockchain or Coinbase and the best card to have in my opinion is the Wirex card.

Q. What does the “due date” mean in the back office?

A. It is the date your next subscription payment for that level is due.

Q. Do we only upgrade to the next level after 1 calendar month?

A. You should upgrade to the next level the moment you are able to so that you don’t miss out on subscription payments coming to you for those levels.

Q. Are you allowed to upgrade even though your level is not filled up eg 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 subscription payments.

Q. Where do I get the option to switch between 2 & 4 direct downlines I saw that in the forum but when  look under setting I do not see that option.

A. I’ve removed that option for the moment, we may add it again later as the matrix fills up.
Q. 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 subscriptions for the levels you have not upgraded to if there are members below you on those levels who upgrade fast.

Q. When will two people be assigned to me? I was under the impression that as each person (which has grown since I joined)  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.

Q. Isn’t this like a pyramid scheme?

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

Q. 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.

Q. Do we have to pay the 0.03 btc subscription every month?

A. Yes, you started a monthly subscription for each level every month. If you want to continue to receive monthly subscriptions from each level every month you need to pay your subscription every month for each level to qualify.

Q. When using the hash id to submit proof of donation the system says Hash ID already used?

A. It may happen that you selected the wrong Hash ID when you upgraded or that you did not follow the safe rule of only using to make you subcription payments in the program.

Q. 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.

Q. 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 your level 1 upline, 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 1 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!

Q. What is the difference between upgrade and subscription on Zarfund?

A. ZarFund is a monthly subscription platform.  When you first upgrade to a level, you are in fact making your first monthly 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 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

1. Question: Do I need to pay upgrade fee again after the initial 0.03 btc/ $22?

Answer: Yes

But other upgrade fees will not be coming from your pocket again. Rather, you shall be upgrading from the profits made after receiving payments from people assigned to pay you.

2. Question: How do I know exact when to upgrade.

Answer : Upgrade immediately you receive complete expected earning for the given stage you currently are.

3. Question: How much do I upgrade with each time.

Answer: Refer to the summary below:

Stage 1: Upgrade Fee: 0.03 BTC

Stage 2: Upgrade Fee: 0.05 BTC

Stage 3: Upgrade Fee: 0.1 BTC

Stage 4: Upgrade Fee: 0.2 BTC

Stage 5: Upgrade Fee: 1 BTC

Stage 6: Upgrade Fee: 2 BTC

4. Question: How much do I earn at each stage.

Answer: See summary below:

 showing the number of people , how much each pays, total expected earning in   BTC / Stage.

☀Income PayPlan:

🎯1•Stage  2 x 0.03 = get 0.06btc

🎯2•Stage 4 x 0.05 = get 0.20btc

🎯3•Stage  8 x 0.10 = get 0.80btc

🎯4•Stage 16 x 0.20 = get 3.20btc

🎯5.Stage  32 x 1.0 = get 32btc

🎯6•Stage  64 x 2.0 = get 128 btc

5. Question  I have to visit after every upgrade payment?

Answer: Yes. Every time

 Hence you need to keep this instruction manual safe for your reference.

6. Question: How do I monetize my BTC.


1. You can sell your BITCOIN to any new member who needs to buy some for first upgrade.

2. Register with exchangers. Update your bank account details. Anytime you need to monetize e.g on instantgold, go to MY IGN, click sell currency. Select which currency u want to sell, in this case BITCOIN. Remember you already linked your bitcoin wallet address to the instant gold profile.

Immediately you complete the “sell currency” form. The amount expected from the page will be published on a summary page.

This will be credited to your account in less than 24 hrs.

8. Questions: Do I need to refer anyone

  Answer:  Yes. And you can refer as many people as possible.

It’s a common knowledge that the effect of the economic recession is really biting hard, hence you owe your loved ones a selfless service of helping them live above     this recession.

9. Question: Why do we all need to promote a single referral link Called the teams link.

Answer: This is because the strategy will no doubt help our team grow so rapidly that the final stage which is stage 6 can be reached in a very few weeks.

After all , the result that can be achieved through our combined effort will by far surpass what we can achieve individually.

This will help us cover the inadequacy / inability of any team member who might not be able to refer anyone.

Thus through team efforts, everyone is a winner.


10. Question: What happens when one reaches stage 6.

Answer: Since stage 6 is the final stage, and the total earnings for this stage is known. The system locks you out the moment you receive the complete earnings for this stage.

11. Question: Is this opportunity  a one time only opportunity?

Answer: No. Once you circle out. You are eligible for a re-entry and that’s possible with Zarfund montly subscription. Kindly refer to the Q&A on the difference between Zarfund upgrade fee $ subscription fee


How Do I Get Started?

1. Open a bitcoin wallet

2. Fund it with about 0.031btc (about N12k5)

3. We’ll give you a link to register on Zarfund

4. You’ll do your 1st upgrade to level 1 (Bronze)

5. Bring people on board and let them do #1-#4 above 👆🏻

Congratulations, u’re on a part of Wealth

If you already have a funded Bitcoin Wallet, Why not 
And you’d be on your path to becoming a bitcoinaire

CLICK HERE!!! HOW TO TURN 0.01BTC ($7) INTO 38BTC ($27,000) A MONTH Banner


One thought on “ Review: Legit way to Earn Free 164 Bitcoin or Scam?”

  1. *This is the Layman’s explanation of Zarfund in naira!*

    Nothing is impossible so don’t stare at it gaping😄
    *Also note that 0.03btc is about N10k8 to N12k5 due to increasing dollar price and bitcoin value fluctuation based on market volatility*. This projected earning is calculated based on 1btc=$698.00 (@N520/$). Bank account means Bitcoin wallet 😫

    This is a great and unique opportunity in networking business. *All u need to start is just 0.03btc N10,888.88k (Approx. N11K) with 2 partners*.

    This is how it works….

    Zarfund Is a 2×6 matrix system with Member to Member Payment. That means that it is direct payment to a member’s personal accounts and not to any third party or admin or internet site.

    All you need to be part of it is just N11K, only. You pay it to the Bitcoin Wallet (bank account) of the person that referred you to the business. Once you provide evidence of your transaction (transaction hashcode) on zarfund website, you are upgraded to the next stage. (Level 1/Bronze)

    Now you have to get your own two people.
    When the 2 people join under you, your total earning is N10,888.88 + N10,888.88 = N21,777.60 (0.06btc)

    You will then use N18,148 (0.05btc) to upgrade to level 2 (Silver)
    This time the upgrading money goes to the upline of your upline.
    You provide evidence of transaction and zarfund upgrades you again to the next stage. Your profit is N3629.9

    In level 2, you earn all the level 2 upgrades of the people in your level 2. They are the downlines of your 2 downlines. They are 4 people in number and they will pay N18,148 each to your own bank account (bitcoin wallet) . The total is N72,592 (0.2btc)

    You will now use N36,296 (0.1btc) out of the money to upgrade to level 3 (Gold). You pay your level 3 upgrade money to the bank account of your level 3 upline up. Your profit here is N36,296

    At level 3, you earn a total of N290,368 I.e N36,296×8 people
    Out of that money, you will take N72,592 (0.2btc) and upgrade to level 4 (Platinum). Your profit here is N217,776 (0.8btc)

    At level 4, you earn a total of N1,161,472 (3.2btc) i.e N72,592 x 16 persons persons

    You then donate N362,960 (1btc) out of the money to upgrade to level 5. The remaining balance here is N798,512 (2.2btc)

    You earn N11,614,720 (32btc) at level 5 that is N362,960 x 32 persons in that level

    You finally donate N725,920 (2btc) to upgrade to level 6

    You earn N46,458,880 (128btc) that is N725,920x 64 persons

    The program ends at level 6, there’s no more level upgrade. Just monthly subscription tho not compulsory but will enable you to earn all the money over and over again on a monthly basis. You see why Wealth is pretty predictably predictable in Zarfund

    If you are serious and positive minded, you can generate a total of N59,525,440 (164btc) within few weeks.

    *You need Just 2 people to work with and those 2people also get their own 2 people and that continues on and on*.
    *Its all about each person getting just two people😎*
    Com’on how hard can that be?

    *In summary:*

    level 1 = 2 people
    level 2 = 4 People
    level 3 = 8 People
    level 4 =16 People
    level 5 = 32 people
    level 6 = 64 People

    *upgrading fee on each level*
    level 1=#10,888.80
    level 2=#18,148.00
    level 3=#36,296.00
    level 4=#72,592.00
    level 5=#362,960.00
    level 6=#725,920.00

    *Your total income on each level*
    level 1=#21,777.00
    level 2=#72,592.00
    level 3=#290,368.00
    level 4=#1,161,472.00
    level 5=#11,614,720.00
    level 6=#46,458,880.00

    *Your profit*
    Level 1=#3629.60
    Level 2=#36,296.00
    Level 3=#217,776.00
    Level 4=#798,512.00
    Level 5=#10,888,800.00
    Level 6=#46,458,880.00
    *TOTAL = #58,403,893.60*

    Not even sorcery can make you to be poor again earning this amount on a monthly basis, imagine what you’ll be making in a year? Don’t faint biko nu 😂 I’m an American Heart Association certified CPR expert tho 😜

    Note :-
    Its peer to peer donations; zarfund does not collect any cash in this business.


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