$5 in $30 million out matrix cycler Ponzi

It’s Only 5 is a matrix cycler that represents it is based out of Detroit, Michigan.

It’s Only 5’s website domain (“itsonly5.com”), was privately registered on March 19th, 2022.

Heading up It’s Only 5 are co-founders Elton and Sarah Potts, and John and Lisa Arnold.

As far as I can tell, both the Potts and Arnolds are relative nobodies in the MLM industry.

Earlier this year Elton Potts and John Arnold Sr. were promoting B-Eco:

That doesn’t seem to have panned out.

Last year Potts was promoting crypto scams on Telegram:

He also fell for the iHub Global HNT mining grift:

Here’s how that’s going:

Potts and John Arnold Sr. created the FaceBook group “Survive and Thrive” back in November 2021.

Arnold Sr. also fell for the iHub Global grift, which is probably where he met Potts.

It’s Only 5 also names Guillermo Joya as its Training & Media Manager.

Joya is a serial promoter of MLM Ponzi schemes. These include CashFX Group and Cloud Token:

The Potts are based out of Michigan. The Arnolds are based out of Texas. And the Joyas are based out of Colombia.

Read on for a full review of It’s Only 5’s MLM opportunity.

It’s Only 5’s Products

It’s Only 5 has no retailable products or services.

Affiliates are only able to market It’s Only 5 affiliate membership itself.

It’s Only 5’s Compensation Plan

It’s Only 5 affiliates purchase $6 positions in a nine-tier matrix cycler.

Of this $6 buy-in, It’s Only 5 keeps $1. The other $5 is used to fund It’s Only 5’s cycler.

It’s Only 5’s cycler uses 2×3 matrices.

A 2×3 matrix places an affiliate at the top of a matrix, with two positions directly under them:

These two positions form the first level of the matrix. The second level of the matrix is generated by splitting each of these two positions into another two positions each (four positions).

Level three of the matrix is generated in the same manner and houses eight positions. This brings the total number of positions in a 2×3 matrix to fourteen.

Positions in the matrix are filled via position purchased by other directly and indirectly recruited It’s Only 5 affiliates.

When all positions in a matrix are filled, a “cycle” is triggered.

Cycle commissions across It’s Only 5’s nine-tier cycler are as follows:

Round 1

Tier 1 (positions cost $6) – $19 cycle commission and generates a new Round 1 Tier 2 position
Tier 2 – $105 cycle commission and generates a new Round 1 Tier 3 position
Tier 3 – $143 cycle commission and generates a new Round 1 Tier 4 position
Tier 4 – $1476 cycle commission and generates a new Round 1 Tier 5 position
Tier 5 – $1653 cycle commission, generates two hundred new Round 1 Tier 1 positions and generates a new Round 1 Tier 6 position
Tier 6 – $4555 cycle commission, generates two hundred new Round 1 Tier 1 positions and a new Round 1 Tier 7 position
Tier 7 – $10,275 cycle commission, generates two hundred new Round 1 Tier 1 positions and a new Round 1 Tier 8 position
Tier 8 – $23,600 cycle commission, generates two hundred new Round 1 Tier 1 positions and a new Round 1 Tier 9 position
Tier 9 – $44,690 cycle commission, generates two hundred new Round 1 Tier 1 positions and a new Round 2 Tier 1 position

Round 2

Tier 1 – $38 cycle commission and generates a new Round 2 Tier 2 position
Tier 2 – $210 cycle commission and generates a new Round 2 Tier 3 position
Tier 3 – $287 cycle commission and generates a new Round 2 Tier 4 position
Tier 4 – $1804 cycle commission, generates one hundred new Round 2 Tier 1 positions and a new Round 2 Tier 5 position
Tier 5 – $5705 cycle commission and a new Round 2 Tier 6 position
Tier 6 – $9075 cycle commission, generates one hundred new Round 2 Tier 1 positions, two hundred new Round 1 Tier 1 positions and a new Round 2 Tier 7 position
Tier 7 – $21,800 cycle commission, generates one hundred new Round 2 Tier 1 positions and a new Round 2 Tier 8 position
Tier 8 – $49,700 cycle commission, generates one hundred new Round 2 Tier 1 positions and a new Round 2 Tier 9 position
Tier 9 – $92,580 cycle commission, generates one hundred new Round 2 Tier 1 positions and a new Round 3 Tier 1 position

Round 3

Tier 1 – $76 cycle commission, generates a new Round 3 Tier 2 position
Tier 2 – $428 cycle commission, generates a new Round 3 Tier 3 position
Tier 3 – $571 cycle commission, generates a new Round 3 Tier 4 position
Tier 4 – $4704 cycle commission, generates fifty new Round 3 Tier 1 positions and a new Round 3 Tier 5 position
Tier 5 – $11,405 cycle commission, generates a new Round 3 Tier 6 position
Tier 6 – $20,625 cycle commission, generates fifty new Round 3 Tier 1 positions, two hundred new Round 1 Tier 1 positions and a new Round 3 Tier 7 position
Tier 7 – $44,650 cycle commission, generates fifty new Round 3 Tier 1 positions and a new Round 3 Tier 8 position
Tier 8 – $90,450 cycle commission, generates fifty new Round 3 Tier 1 positions and a new Round 3 Tier 9 position
Tier 9 – $242,000 cycle commission, generates fifty new Round 3 Tier 1 positions and a new Round 4 Tier 1 position

Round 4

Tier 1 – $190 cycle commission, generates a new Round 4 Tier 2 position
Tier 2 – $1045 cycle commission, generates a new Round 4 Tier 3 position
Tier 3 – $1427 cycle commission, generates a new Round 4 Tier 4 position
Tier 4 – $13,284 cycle commission, generates twenty new Round 4 Tier 1 positions and a new Round 4 Tier 5 position
Tier 5 – $28,505 cycle commission and generates a new Round 4 Tier 6 position
Tier 6 – $54,855 cycle commission, generates twenty new Round 4 Tier 1 positions and a new Round 4 Tier 7 position
Tier 7 – $113,080 cycle commission, generates twenty new Round 4 Tier 1 positions and a new Round 4 Tier 8 position
Tier 8 – $246,280 cycle commission, generates twenty new Round 4 Tier 1 positions and a new Round 4 Tier 9 position
Tier 9 – $455,180 cycle commission, generates twenty new Round 4 Tier 1 positions and a new Round 5 Tier 1 position

Round 5

Tier 1 – $380 cycle commission and generates a new Round 5 Tier 1 position
Tier 2 – $2090 cycle commission and generates a new Round 5 Tier 3 position
Tier 3 – $2854 cycle commission and generates a new Round 5 Tier 4 position
Tier 4 – $26,398 cycle commission, generates ten new Round 5 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 5 Tier 5 position
Tier 5 – $51,010 cycle commission and generates a new Round 5 Tier 6 position
Tier 6 – $111,940 cycle commission, generates ten new Round 5 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 5 Tier 7 position
Tier 7 – $225,990 cycle commission, generates ten new Round 5 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 5 Tier 8 position
Tier 8 – $492,390 cycle commission, generates ten new Round 5 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 5 Tier 9 position
Tier 9 – $909,890 cycle commission, generates ten new Round 5 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 6 Tier 1 position

Round 6

Tier 1 – $1900 cycle commission and generates a new Round 6 Tier 2 position
Tier 2 – $10,450 cycle commission and generates a new Round 6 Tier 3 position
Tier 3 – $14,270 cycle commission and generates a new Round 6 Tier 4 position
Tier 4 – $146,406 cycle commission and generates two new Round 6 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 6 Tier 5 position
Tier 5 – $298,505 cycle commission and generates a new Round 6 Tier 6 position
Tier 6 – $567,873 cycle commission and generates two new Round 6 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 6 Tier 7 position
Tier 7 – $1,137,898 cycle commission and generates two new Round 6 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 6 Tier 8 position
Tier 8 – $2,468,098 cycle commission and generates two new Round 6 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 6 Tier 9 position
Tier 9 – $4,607,098 cycle commission and generates ten new Round 6 Tier 1 positions, two hundred Round 1 Tier 1 positions and a new Round 7 Tier 1 position

Round 7

Tier 1 – $3800 cycle commission and generates a new Round 7 Tier 2 position
Tier 2 – $20,900 cycle commission and generates a new Round 7 Tier 3 position
Tier 3 – $28,540 cycle commission and generates a new Round 7 Tier 4 position
Tier 4 – $295,015 cycle commission and generates one Round 7 Tier 1 position, two hundred Round 1 Tier 1 positions and a new Round 7 Tier 5 position
Tier 5 – $570,100 cycle commission and generates a new Round 7 Tier 6 position
Tier 6 – $1,137,949 cycle commission and generates one Round 7 Tier 1 position, two hundred Round 1 Tier 1 positions and a new Round 7 Tier 7 position
Tier 7 – $2,277,999 cycle commission and generates one Round 7 Tier 1 position, two hundred Round 1 Tier 1 positions and a new Round 7 Tier 8 position
Tier 8 – $4,948,399 cycle commission and generates one Round 7 Tier 1 position, two hundred Round 1 Tier 1 positions and a new Round 7 Tier 9 position
Tier 9 – $9,218,399 cycle commission and generates one Round 7 Tier 1 position and two hundred Round 1 Tier 1 positions

Referral Commissions

It’s Only 5 affiliates earn a referral commission when personally recruited affiliates cycle.

Round 1

Round 1 Tier 1 pays a $1 referral commission
Round 1 Tier 2 pays a $5 referral commission
Round 1 Tier 3 pays a $7 referral commission
Round 1 Tier 4 pays a $24 referral commission
Round 1 Tier 5 pays a $147 referral commission
Round 1 Tier 6 pays a $245 referral commission
Round 1 Tier 7 pays a $525 referral commission
Round 1 Tier 8 pays a $1200 referral commission
Round 1 Tier 9 pays a $2100 referral commission

Round 2

Round 2 Tier 1 pays a $2 referral commission
Round 2 Tier 2 pays a $10 referral commission
Round 2 Tier 3 pays a $13 referral commission
Round 2 Tier 4 pays a $96 referral commission
Round 2 Tier 5 pays a $295 referral commission
Round 2 Tier 6 pays a $625 referral commission
Round 2 Tier 7 pays a $1100 referral commission
Round 2 Tier 8 pays a $1200 referral commission
Round 2 Tier 9 pays a $2300 referral commission

Round 3

Round 3 Tier 1 pays a $4 referral commission
Round 3 Tier 2 pays a $12 referral commission
Round 3 Tier 3 pays a $29 referral commission
Round 3 Tier 4 pays a $246 referral commission
Round 3 Tier 5 pays a $595 referral commission
Round 4 Tier 6 pays a $1125 referral commission
Round 5 Tier 7 pays a $2300 referral commission
Round 5 Tier 8 pays a $4500 referral commission
Round 5 Tier 9 pays a $12,500 referral commission

Round 4

Round 4 Tier 1 pays a $10 referral commission
Round 4 Tier 2 pays a $55 referral commission
Round 4 Tier 3 pays a $73 referral commission
Round 4 Tier 4 pays a $696 referral commission
Round 4 Tier 5 pays a $1495 referral commission
Round 4 Tier 6 pays a $2925 referral commission
Round 4 Tier 7 pays a $5900 referral commission
Round 4 Tier 8 pays a $12,700 referral commission
Round 4 Tier 9 pays a $23,700 referral commission

Round 5

Round 5 Tier 1 pays a $20 referral commission
Round 5 Tier 2 pays a $110 referral commission
Round 5 Tier 3 pays a $146 referral commission
Round 5 Tier 4 pays a $1392 referral commission
Round 5 Tier 5 pays a $8990 referral commission
Round 5 Tier 6 pays a $5850 referral commission
Round 5 Tier 7 pays a $11,800 referral commission
Round 5 Tier 8 pays a $25,400 referral commission
Round 5 Tier 9 pays a $47,400 referral commission

Round 6

Round 6 Tier 1 pays a $100 referral commission
Round 6 Tier 2 pays a $550 referral commission
Round 6 Tier 3 pays a $730 referral commission
Round 6 Tier 4 pays a $1392 referral commission
Round 6 Tier 5 pays a $1495 referral commission
Round 6 Tier 6 pays a $29,925 referral commission
Round 6 Tier 7 pays a $59,900 referral commission
Round 6 Tier 8 pays a $129,700 referral commission
Round 6 Tier 9 pays a $189,700 referral commission

Round 7

Round 7 Tier 1 pays a $200 referral commission
Round 7 Tier 2 pays a $1100 referral commission
Round 7 Tier 3 pays a $1460 referral commission
Round 7 Tier 4 pays a $2784 referral commission
Round 7 Tier 5 pays a $29,900 referral commission
Round 7 Tier 6 pays a $59,850 referral commission
Round 7 Tier 7 pays a $119,800 referral commission
Round 7 Tier 8 pays a $249,400 referral commission
Round 7 Tier 9 pays a $379,400 referral commission

Joining It’s Only 5

It’s Only 5 affiliate membership is tied to an initial $6 cycler position purchase.

It’s Only 5 Conclusion

Matrix cyclers are simple. You buy-in and hope enough people invest after you so you can steal their money.

To illustrate how much that concept is stretched in It’s Only 5, we need only look at the math behind it.

One full It’s Only 5 run is $5 in and a whopping $30,490,387 out. That’s over six million $5 payments.

Add in referral commissions and that amount grows another $1,437,254 (an additional 287,450 $5 payments).

Oh and that run will generate hundreds of Round 1 Tier 1 positions, exploding the financial liability of just one It’s Only 5 $5 position.

Needless to say the vast majority of It’s Only 5 investors aren’t going to get anywhere near the higher rounds, where most of the invested funds are passed up to.

And bear in mind, all the position amounts quoted are if It’s Only 5’s matrices filled in a linear fashion. That is every new purchase went into the same matrix lineage.

They don’t, meaning the total number of required positions for just one position run across seven rounds is far greater.

Hell, less than 1% will even cycle out of Round 1 (18,154 $5 payments required). With the minimum withdrawal amount being $100, for most It’s Only 5 investors it’s a $5 or more instant loss.

$5 might not sound like much but there’s no limit to the amount of positions affiliates can invest in.

Can I use the same email for multiple accounts?

Only if you purchase them in your back office. For creating new accounts, you have to use different emails. Or if you have gmail you can use the gmail trick.

Like any cycler Ponzi, the take-away from all of this is that the primary beneficiaries in It’s Only 5 will be Elton and Sarah Potts, John and Lisa Arnold, Guillermo Joya, victims of their previous schemes and top It’s Only 5 recruiters.

In order for these scammers to steal money, everyone else in It’s Only 5 has to lose it.

Math, as we’ve demonstrated above, guarantees the majority of participants in cycler Ponzis lose money.

On the It’s Only 5 regulatory front, we have two admins based in the US and one who regularly travels from Colombia to the US.

SimilarWeb tracked almost a million It’s Only 5 website visits for June 2022, the majority of which were from the US:

Between the DOJ, SEC and FTC, the US is the most active regulator of MLM cycler Ponzis on the planet.

Be it a collapse, regulatory clean up or both, you know how this ends.