In the world of online scams, there are two kinds of fraudsters: the creative ones who invent new ways to rip people off, and the lazy ones who just hit Ctrl + C, Ctrl + V on their last scheme and hope nobody notices.

Enter Michelle Oneil, the queen of recycling — not plastic bottles, but gifting scams.

After running Legacy Builders, an illegal gifting pyramid that collapsed just as expected, Michelle is back at it with Legacy Builders 2.0 — the same old scam with a shiny new coat of digital lipstick and some fresh marketing jargon to confuse the hopeful and the desperate.

So, what exactly is Legacy Builders 2.0? Let’s break it down and save your wallet.

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Legacy Builders 2.0 Overview: The Rise and Crash of Legacy Builders 1.0

In 2024, Michelle Oneil launched Legacy Builders, piggybacking off her Digital Growth Community branding.

Before that? She was busy promoting Infinity Processing System, another illegal gifting scam that — shocker — also crashed and burned.

Legacy Builders reached its recruitment peak around mid-2024, then slowly nosedived. By late 2024 or early 2025, recruitment was dead, withdrawals were probably “pending” indefinitely, and the community was left ghosted.

But like a horror movie villain, Michelle didn’t stay down for long.

Legacy Builders 2.0: The Reboot Nobody Asked For

Roughly a week ago, Michelle popped up to announce Legacy Builders 2.0 in a video uploaded on March 12th.

And what’s her explanation for the collapse of version 1.0?

“We have over fifty thousand in the community now but I noticed a gap. And the gap was people need to learn more attraction marketing skills and social media marketing skills.”

Translation: “It’s not my fault the pyramid collapsed. It’s your fault for not recruiting harder!”

To “solve” this gap, Michelle’s offering “certifications” in resell rights and organic attraction marketing — neither of which are recognized by any real educational institution or carry any value outside her little scam circle.

The Gifting Structure: The Pyramid, Repackaged

Legacy Builders 2.0 sticks to the same gifting model:

Tiers ranging from $100 to $900.
You have to buy in at each tier to qualify to receive money from new recruits at that same level.

In a traditional MLM gifting scheme, payments made to unqualified participants are usually passed up to the next qualified person. But in Legacy Builders?

Michelle Oneil keeps the passed-up payments for herself.

That’s right — while you’re busy hunting down friends and family to join, Michelle’s sitting on her throne collecting “pass-ups” like tax revenue.

Follow the Money: Michelle’s $5 Million Admission

Oneil has personally admitted to pocketing over $5 million through her gifting shenanigans.

In fact, based on her own numbers, roughly 20% of all participant funds ended up in her bank account. That’s not just unethical — it makes this gifting scheme worse than the typical run-of-the-mill pyramid scams.

It’s like paying for a scammy carnival ride, but instead of getting off dizzy and broke, the carny also pickpockets you while laughing.

The South African Connection: Global Suckers, Same Script

According to Michelle, South Africa was “one of the most popular countries” for Legacy Builders.

If there’s one thing scammers love, it’s expanding their reach to countries with less regulatory oversight and large, desperate populations eager for opportunity.

Because when recruitment dries up in the U.S., why not take the pyramid global?

Legacy Builders 2.0: Nothing New Under the Pyramid

Aside from sprinkling in some nonsense about “certification” and “attraction marketing,” Legacy Builders 2.0 is the same scheme in different packaging.

Same tiered gifting.
Same requirement to pay in before you earn.
Same pass-up system that funnels cash straight into Michelle’s pockets.
And — inevitably — the same eventual collapse.

Gifting Schemes: Why They Always End in Tears

Gifting schemes are illegal in most countries because they depend entirely on continuous recruitment. No new people = no money.

And here’s the math scammers don’t want you to know:

For every one person who “wins,” there are dozens who lose.
The pyramid structure ensures that 99% of participants end up with less than they invested.
It’s not about “learning attraction marketing” — it’s about running out of people to fleece.

A Pattern We’ve Seen Before: Blessings In No Time (BINT)

If this story sounds familiar, that’s because it is.

The FTC went after Blessings In No Time (BINT), another massive gifting scheme launched during COVID-19.

BINT owners LaShonda and Marlon Moore were sued for tens of millions of dollars in fraud.
They settled for $9.7 million in 2023.
By late 2023, they were criminally indicted.
They pled guilty in February 2025, and sentencing is pending.

Michelle Oneil’s Legacy Builders has defrauded tens of thousands of people out of tens of millions, by her own admission. The parallels are so obvious it’s almost funny — if it weren’t so tragic.

Why Legacy Builders 2.0 Is Doomed to Fail (Again)

Here’s what’s going to happen:

The hype train will roll along as long as people keep recruiting.
New participants will fork over money, expecting “certified” riches.
Recruitment will slow down — because you can only find so many people willing to throw money at internet strangers.
Payouts will slow, withdrawals will freeze.
Michelle will quietly stop posting, and the site will go dark.
Legacy Builders 2.0 will vanish just like version 1.0.

And in six months? Don’t be surprised if Legacy Builders 3.0 shows up with the same scam under a new name.

The Bottom Line: Michelle Oneil Knows Exactly What She’s Doing

Michelle isn’t some clueless marketer who got in over her head. She’s admitted to running these schemes and profiting massively from them.

She kept pass-up payments that would normally go to other participants.
She blames her victims for “not learning enough marketing.”
And she’s rebooting the exact same scheme that collapsed — without a hint of shame.

She knows the math. She knows the structure. And she knows exactly how to spin it to make people believe they’re just one certification away from financial freedom.

Final Verdict: Legacy Builders 2.0 Is a Scam Wrapped in False Hope

No products.
No services.
Just a tiered pay-to-play structure where those at the top siphon money from everyone below.

And this time, the pyramid has Michelle’s name written all over it in flashing neon lights.

Final Thought: Don’t Be the Next Gifting Victim

The next time someone pitches you on “certification” and “100% profit resell rights” with no products involved, ask yourself:

Where is the money coming from?
How does this not collapse without endless recruitment?
Who really benefits?

The answers are simple:

From you and others like you.
It will collapse.
Michelle Oneil.

Save yourself the headache, the financial loss, and the embarrassing “I got scammed” story.

Legacy Builders 2.0 is nothing but a replay of a scam with new wrapping paper. Don’t fall for it.

My Number 1 Recommendation

Do you want to know a 100% legit way to make an income from home?

What if you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

Inventory

Selling to friends and family

Selling to strangers

Recruiting people

Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

Take a look at some of the results:

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

If that sounds like something you’d be interested in, check out Digital Real Estate.

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