This program is now CLOSED! Do not invest there!
Unity Reserve has been online for just over two months and appears to be moderately successful. Their online statistics reveal that there are now almost 700 registered participants in the program (not necessarily that many investors) and that over $33,000 has been invested.
Unity Reserve is involved with cryptocurrency trading. No information is given about the company other than assurance that they are very competent in this type of business activity.
Unity Reserve has a single investment plan that is well thought out. It pays a variable interest rate of from 0.2% to 5% on workdays and a variable interest rate of from 0.2% to 2% on weekends. These are daily rates that include repayment of your principal. There is no set term to the investment plan and it continues until your gross earnings are 160% of your initial investment. This, of course, is a net profit of 60%. So, right off the bat, we see that the investment plan incorporates two features that we feel help a program to survive in the long run: a variable interest rate and different interest rates on weekends from weekdays. This was discussed in detail in an article entitled “The Wise HYIP Investor” that appeared in HYIP Insights #8 (that you can read here).
It’s difficult to do any sort of earnings prediction with variable interest rates. However, let’s make the BIG assumption that the interest Unity Reserve will pay in the future will be roughly the same as it has paid in the past. With this in mind, the website gives a history of interest paid on a daily basis for each day of the present month. I am writing this review on June 22, 2017. So far, in this month, there have been 19 weekdays and 7 weekend days. The average interest paid for the weekdays is 3.61% and the average interest for the weekend days is 1.49%. Let’s round them off to 3.6% and 1.5%. For five weekdays and two weekend days, using these numbers, the total gross interest you would earn in one week is 21%. After seven weeks, you would have earned 147%. This is getting close to the 160% at which time the term of the investment plan would end. If you add a Sunday and three weekdays to bring the total to 159.3%, that’s close enough. So, let’s say that it takes seven weeks plus four days for the investment term to end. That comes to 53 days. Please remember that all of this is educated guesswork. However, it’s better than nothing. At least it should put us in the “ballpark” of a reasonable estimate for earnings.
With a gross return of around 21% per week, it will take you the better part of five weeks to break even. Five weeks is 35 days and five times 21 comes to 105%. That’s what I refer to as the “nail-biting” period.
OK, now that we have an estimated term for the investment plan, we can calculate Daily Net Interest rate (or DNI), a very important quantity that enables us to compare different investment programs with one another. In an article entitled “An Investment Formula” that appeared in HYIP Insights #12 (that you can read here), I went into great detail describing this quantity and how it could be used to describe different types of investment plans. This plan is a little more complicated than the ones I discussed in that article because it has TWO variable interest rates, one for weekdays and one for weekends. For the Unity Reserve investment plan, the net profit is 60%. If you divide this by the number of days in the investment plan (53, for this case), you get an average DNI paid by the plan. For our assumed numbers, it comes out to around 1.1%. You might even want to round this off to an average DNI of 1% to be on the safe side. This DNI is at the low end of what was referred to as a “medium interest” investment plan in the “Investment Formula” article or at the high end of a “low interest” plan. In short, it is in the range that has the potential to be sustainable in the long term. Of course, sustainability depends on many other factors as well. The “Wise HYIP Investor” article will give you some clues on that.
Unity Reserve also has what they refer to as a “stabilization fund” to protect investors’ profits. According to the website, “This stabilization fund is boosted by profits generated for each successful day of trading on the cryptocurrency exchanges. Unity Reserve partners can be assured that their investments are safe and well secured. They will receive dividends even when the company has a negative balance at the close of trading.” The bottom line is that, at least on paper, Unity Reserve has a number of features in place that could lead to a very sustainable program.
Since Unity Reserve is involved with cryptocurrency trading, I suppose it is fitting that the only two payment processors that they accept are Bitcoin and DASH. The minimum deposit is $10 and there apparently is no minimum withdrawal amount. I wonder if the company will regret that if, for example, investors start requesting payments in fractions of a dollar. The website indicates that deposits and withdrawals are processed automatically. This could theoretically mean “instant.” However, since we are dealing with cryptocurrencies and the verification process, there could be delays. Unity Reserve recommends that you contact support if a transaction isn’t completed in 24 hours.
Unity Reserve has a good affiliate program that pays you 10%, 3%, and 1% on deposits made in the first three levels of your downline. I might have missed something, but I had to log into my account to get this information. So, if you aren’t registered yet with the company, you might have trouble finding it. You don’t need an active deposit in order to participate in the Unity Reserve affiliate program.
Support from Unity Reserve could use improvement. Right now there is only an email contact address. Theoretically, this could work fine if someone is standing by to answer email 24/7. However, if long waits are involved, it’s inadequate. As the program makes progress, live chat would be a very welcome addition.
In summary, Unity Reserve appears to have a well thought-out investment plan that has the potential for long term survivability. The weakness of the program might be the lack of information about who they are along with details about their business operation. They are essentially asking folks to give them their hard-earned money without first telling anything about themselves. Although many of the “legends” told by HYIPs are fictional, it is still nice to hear something so that you can make an evaluation before investing. However, everything considered, if you decide to invest with Unity Reserve, please make your investment a part of a diversified portfolio. And, as always, never invest more than you can afford to lose. Good Luck!
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