UpCapital Review: Another Fake CEO Ponzi With a Spanish Twist

If you’ve been around the MLM crypto scam block, you know the routine: a fake CEO with a generic name, flashy websites promising passive income, and a compensation plan that looks like it was designed by someone with a gambling addiction.

Enter UpCapital—a so-called investment platform that’s nothing more than a crypto Ponzi with MLM dressing.

Let’s dig into why “Oscar Buhler,” the supposed CEO, is just another cardboard cutout in a long line of Fake CEOs.

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Now if you still want to learn more about UPCapital Review keep reading…

Who Runs UpCapital Review?

UpCapital doesn’t reveal any legitimate ownership details. Instead, it hides behind two shady domains:

• upcapital.tech – registered privately on April 9, 2025

• upcapital.ai – registered in August 2024, updated privately on April 2, 2025

And the CEO? Supposedly some guy named Oscar Buhler. Except here’s the problem—Buhler doesn’t exist outside of UpCapital’s marketing. That makes him the textbook definition of a Fake CEO (a fake executive invented to make a scam look legit).

Worse, their YouTube marketing features videos of “Buhler” speaking Spanish, tying the entire operation to Chile, where 100% of their traffic is currently coming from.

So instead of Eastern Europe pumping this one out, it looks like Spanish-speaking scammers in Latin America are behind the curtain.

And if you’re about to send these guys money, ask yourself this: would you trust your savings to a ghost CEO and a rented actor on YouTube?

UpCapital Products Offered

Products? Nope. Services? None.

UpCapital has no retail offering. The only thing promoters can sell is… UpCapital itself.

That’s not a business—it’s a pyramid scheme with extra steps.

UpCapital Compensation Plan

The pitch is simple:

• Deposit Tether (USDT).

• Earn 0.5% to 1% daily ROI, Monday through Friday.

• Payouts capped at 300%, after which you must reinvest to keep earning.

• Oh, and they skim a 5% withdrawal fee off the top.

So basically, they tax you to get your own money back. Classy.

This is classic Ponzi math. The only “returns” you’re getting are from new investor deposits.

UpCapital Promoter Ranks

Like all MLMs, UpCapital loves dangling ranks in front of promoters. There are seven levels, all based on binary team volume:

• Rank 1 → $5,000

• Rank 2 → $10,000

• Rank 3 → $20,000

• Rank 4 → $40,000

• Rank 5 → $60,000

• Rank 6 → $80,000

• Rank 7 → $100,000

The binary structure forces you to recruit constantly, filling left and right “legs.” The weaker leg is always used for qualification, which means you’re forever chasing volume that vanishes the moment your downline slows down.

Translation: it’s designed to keep you hustling endlessly without ever truly winning.

Referral Commissions

UpCapital pays 12% referral commissions on deposits made by personally recruited investors.

Nothing new here—recruit more people, take a slice of their money. Which is great… until you realize you’re profiting off your friends losing theirs.

ROI Match

To make things look more exciting, UpCapital offers a unilevel ROI match bonus across up to 7 levels.

• $100–$500 = 7% on level 1

• $1,000 = 7% on level 1, 4% on level 2

• $2,000 = add 3% on level 3

• $3,000 = add 2% on level 4

• $5,000 = add 1.5% on level 5

• $7,000 = add 1% on level 6

• $10,000 = add 1.5% on level 7

Notice the catch? The more you invest, the deeper your ROI match goes. It’s a psychological trick: sink more money in to unlock more “levels.”

This is Ponzi marketing 101—convince you that bigger deposits = bigger safety net, when really it just means bigger losses.

Rank Achievement Bonus

UpCapital tries to sweeten the pot with one-time bonuses for hitting ranks:

• Rank 1 = $500

• Rank 2 = $1,000

• Rank 3 = $2,000

• Rank 4 = $4,000

• Rank 5 = $6,000

• Rank 6 = $8,000

• Rank 7 = $10,000

These bonuses are just more recycled investor money. You’re not earning anything from “trading”—you’re skimming from the pool of people who joined after you.

Joining UpCapital Reviews?

Membership is “free,” but to participate you need to invest at least 100 USDT.

And once you’re in, the system pressures you to reinvest once you hit the 300% cap. Why? Because if everyone stopped reinvesting, the entire house of cards would collapse overnight.

The Forex & ATFX Illusion

UpCapital claims it generates external revenue through forex trading, supposedly backed by a “partnership” with ATFX, a global trading broker.

This is pure smoke and mirrors.

• UpCapital provides no proof of trading revenue.

• Chile’s regulators haven’t approved them.

• ATFX’s registration in other countries has nothing to do with UpCapital.

They’re using ATFX’s name to look legitimate, but there’s zero evidence ATFX is actually involved. If anything, UpCapital is dragging ATFX into its mess by association.

And here’s the kicker: any company promising passive ROI is selling a securities product. Which means it must register with financial regulators in every country it operates.

UpCapital hasn’t. Which makes it guilty of securities fraud.

PROS and CONS on the UpCapital Scam?

PROS
✅ Slick marketing and fake CEO to fool newbies
✅ Daily ROI promise sounds attractive to desperate investors
✅ Cheap entry ($100 minimum)

CONS
❌ Fake Fake CEO (Oscar Buhler doesn’t exist)
❌ No products or services—just recruitment
❌ Daily ROI impossible without new deposits
❌ Withdrawal fee bleeds investors further
❌ Unregistered securities offering (illegal in every country)
❌ Will collapse once recruitment slows
❌ Tied to Chile but hiding behind domain privacy

Final Verdict

UpCapital is a textbook Ponzi scheme dressed in MLM clothing.

The fake CEO, anonymous domains, phony forex claims, and ATFX name-drop are all smoke screens. The only thing funding this “opportunity” is new deposits.

And when recruitment dries up, withdrawals will freeze, accounts will lock, and Buhler—the man who doesn’t exist—won’t be around to take your calls.

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