Answer a few honest questions about any investment. We score it across 8 fraud indicators — totalling 100 points — and give you a clear, plain-English verdict in seconds.
Leave blank if unknown. We'll auto-check the domain age and registration details for you.
3
Monthly return promised
Type exactly what they told you. Leave blank or 0 if they didn't say a specific figure.
% / mo
SEC Registration
16 pts
4
Is this investment registered with SEC Nigeria?
The SEC (Securities and Exchange Commission) is Nigeria's official investment watchdog. Any person or company that collects money for investment MUST be registered there by law. You can verify any company for free at sec.gov.ng — it takes less than 2 minutes.
Promised Returns
18 pts
5
How do they say they generate your returns?
This is the single most important question on this form. Every real investment has a clear, simple answer to "where does the money come from?" If they won't explain it — or can't — that alone is a serious red flag. Nigerian T-Bills yield ~18% annually. The stock market averages ~15–22% per year. Anything promising significantly more requires solid, verifiable proof.
Withdrawals & Payments
18 pts
6
When can you get your money back?
Fraud schemes make it easy to deposit money — and impossible to withdraw it. Always confirm the exit terms before sending a single kobo.
7
How do you send your money to them?
Cash and crypto payments cannot be traced or recovered if things go wrong. Always pay to a registered company account — never to a person.
Physical Office
12 pts
8
Have you ever been to their physical office, if they have one?
A real company with real operations has a real office you can walk into, with staff you can speak to. Online-only operations are significantly harder to hold accountable when things go wrong.
People & Pressure
20 pts
9
How verifiable are the founders or promoters?
Real businesses have real, traceable people behind them. If something goes wrong, you need to know who is accountable. "I trust the person who told me about it" is trust in a person — not verification of the investment itself.
10
How much pressure are you feeling to invest quickly?
Legitimate investments will never pressure you to act fast. "Don't miss out — slots are closing tonight!" is a deliberate tactic designed to stop you from thinking clearly, doing research, or speaking to someone you trust.
Red Flag Checklist
−4 pts each
⚠️
Tick every red flag below that applies to this investment. Each one deducts 4 points from your final score. Ticking 3 or more almost always signals a scam — no matter how convincing it sounds.
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