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The Bit Contract Investment Plans.

A few days ago, in our “First Thoughts” article about Bit Contract, we provided a brief summary of their three investment plans.  I’m going to repeat it here as it is a good overview of the plans.

Bit Contract offers three investment programs.  They all pay interest daily and return your investment as part of your earnings.  The gross daily interests that the plans pay are 9%, 11%, and 13%.  These are rather high and, while the investment plans will undoubtedly be very profitable, the sustainability of the overall program might be questionable.  The terms of the investment plans are 20, 30, and 40 days.  Depending on your point of view, they would probably be classed as short to medium length investment plans.  Everything is in Bitcoin and, translating the investment limits of the three plans into dollars, it looks like almost all investors will be using the lowest interest plan as you would need 2 BTC to use the two higher interest plans.  Two BTC is getting close to $20,000 and that’s a bit high for online investment — unless a company can provide verifiable proof of its history as a successful investment program.

Here are the details about the three plans as they appear in the website:

9% daily for 20 days
.001 – 2 BTC

11% daily for 30 days
2.001 – 10 BTC

13% daily for 40 days
10.001 – 100 BTC

Something that I like about these investment plans is that they are “orderly.”  The daily gross interest that is paid increases by an even 2% as you move up through the plans.  Likewise, the term of the plans increases by an even 10 days.  Of course, while order might make a group of investment plans easier to understand, order doesn’t necessarily make them good ones.  That’s what we’ll talk about next.

Analysis of the Bit Contract Investment Plans.

First, let’s take a look at how profitable these investment plans are.  At Emily News we have developed a unique way of doing this.  We determine the “Daily Net Interest” — DNI for short — of an investment plan.  Simply stated, DNI is the total net profit that you earn from an investment plan averaged out over the length of the plan (to give you a daily rate).  So, this quantity takes into consideration BOTH the interest paid AND the length of the investment plan.  It is important to remember that you might not actually receive this DNI as profit on any given day; some days you will earn more, some less.  This is simply the AVERAGE daily profit or net interest.

With that as an introduction, and looking at the 9% investment plan, we first determine the total gross interest you receive by multiplying the daily gross interest of 9% by the 20-day length of the plan to get a total gross interest of 180%.  Since this includes your investment, you must subtract 100% from it to get your total net interest which, in this case would be 80%.  Finally, dividing 80% by the 20-day length of the investment plan, you get a DNI of exactly 4%.

If you do the same arithmetic for the other two investment plans, you get the following results:

9% plan.  DNI = 4%
11% plan.  DNI = 7.67%
13% plan.  DNI = 10.5%

Next, let’s determine how long it takes each of these investment plans to break even.  This is simple to do.  You just divide 100% by the daily gross interest that the plan pays you.  For example, in the 9% plan., you divide 100% by 9% to get around 12 days.  If you do the same arithmetic for the other two plans you get:

9% plan.  Break even in 12 days.
11% plan.   Break even in 10 days.
13% plan.  Break even in 8 days.


First of all, we should look at the “big picture.”  Both the 11% and 13% plans have high minimum investments.  Specifically, for the 11% plan it is 2 BTC.  One Bitcoin now equals around $7,500.  So, the minimum investment for this plan is around $15,000.  This is extremely high.  No one should invest this much money in ANY online investment program unless the plan has documented proof of both the legitimacy of the company and the viability of its investment plans.  Unfortunately, few, if any, HYIPs provide this type of information.  So, the wise investor should think of this program as offering only one investment plan.  Needless to say, the 13% plan is off the chart with a minimum investment of 10 BTC (around $75,000!).  Aside from this logic, it is probably a simple fact that few if any online investors have this kind of money to play around with.  So, for that reason alone, the 11% and 13% investment plans will probably not be used.  So, in what follows, we will primarily discuss the 9% plan and only occasionally make reference to the 11% and 13% plans.

A lot happens because the Bit Contract  investment plans pay a high rate of interest.  First, let’s talk about the good news.  We just determined that all the plans break even in between 8 to 12 days.  This is fast.  For the 9% plan that breaks even in 12 days and is 20 days long, you are recovering your investment for the first 12 days and then, after that, you are earning pure profit.  In the other two plans, you break even a little more quickly and, then have a much longer period of pure profit because these plans are much longer.

But the most significant result of the high rate of interest is a correspondingly high profitability.  For the 9% plan, there is a DNI of 4%.  An average profit of 4% per day is equivalent to a weekly profit of 28%.  That’s a LOT.  So, this is a very profitable investment plan — if it survives.  That, of course, is the question.  Perhaps you remember from HYIP Insights #12 where we suggested that programs having investment plans with DNIs higher than 2% might have a hard time surviving in the long term.  Well, this plan has a DNI that is TWICE this amount.  So, while the investor can make a lot of fast money with this investment plan, it could be a risky venture.  However, in fairness to the folks at Bit Contract, we must say that we certainly hope that this will work out to be one of the rare HYIPs that manage to sustain a high rate of return for an extended period of time.

From the point of view of risk to the overall program, it is probably fortunate that the 11% and 13% investment plans will only be used rarely, if at all.  The more they are used, the greater the burden will be on Bit Contract to meet its interest payment obligations.


Bit Contract offers three investment plans.  However, because of the high minimum investments required by the 11% and 13 % plans, it is likely that only the 9% plan will be used.  This is actually good for the program as it will decrease the obligations of the company for making interest payments.  Even though it offers the lowest gross daily interest rate, the 9% investment plan is still extremely profitable.  In fact, it is so profitable that the investor should think carefully before investing in this program as it could be difficult for the company to sustain interest payments in the long term.

I hope that this information is helpful.


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