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*What is MMM?*


MMM is a global mutual aid community. MMM is social financial donation exchange network. MMM is an online community of millions of  people who have agreed to willingly extend financial helping hands to one another via donation.


MMM is not a bank, an investment opportunity, a business but simply a community of people helping each other financially.


MMM has no central pocket were money is been deposited. Transactions are done peer to peer.

MMM is being run by the community. That is you and me. We just have a technical program that regulates what we do and what we can’t do. The technical system controls how much we can ask as help or withdraw; and how much we can provide as help or deposit.


MMM is composed of 3 components:

1. Provide help

2. Get help

3. Technical basic program


A provider of help is someone who has pledged to give financial help in the community. He or she can also be a receiver of help, when he or she has extended a financial helping hand to someone in the community.


A receiver of help is a member or participant who has already extended a helping hand or provided help. Thus such is qualified to receive help from the community.

So basically MMM hasn’t any central account where all money deposits or donations go into; because all donations are done peer to peer. How do I mean? Donations are done via member to member transfers into their bank accounts or bitcoin wallets.


The technical basic program controls the activities of the provider of help and the receiver of help.




You know about the popular word ‘Contribution’ where people contribute money to one person and there’s a book where everyone’s name is written. When it gets to your turn; everybody’s money is given to you.

In MMM, we make pledges to donate our SPARE money to members who need the money. We do so by logging into our MMM account (Personal office) to make the pledge. We join the queue of people who made pledges after making the pledge.

We ONLY make pledges. We don’t gather our pledges to give to one person. In MMM there is no CENTRAL ACCOUNT (No bank account where all our pledges are paid into). Members transfer money directly to each other.

Now, if a member in the community who has already made a pledge to provide financial help to another member and has fulfilled his pledge now needs help, he does that by logging into his MMM account (Personal Office) to say so.

The system, connects him with the person in the queue for providing help. If it’s your turn on the queue to provide help; when you log into your Personal Office, you will receive the details of the person to provide financial help to.

As soon as you pay the money directly into the person’s bank account who needs that financial help and that person acknowledges he has received the money, you are now qualified to receive help.

You then log into your personal office to ask for financial help. Someone/people in the queue whose turn it is to provide help will be assigned to pay you 30% of the donation you provided + the donation money itself.




Like I said earlier MMM is donation exchange network. If we had previous knowledge of mutual aid society. We understand mutual aid society is a community where we give financial help and receive financial help back.. The more financial help you give, the more financial help you get in return… It’s like lending your money out, and receiving it back later or much later when you need it wit little growth (just example).

In the real sense,  there’s no lender,  there’s no borrower in MMM.  What we do is donation.  And there’s no law in the world that says donation is illegal.


MMM offers its participants 30% growth rate per month for each and every donation we make in the ystem.

For example

You donate 10,000 naira, after 30 days you would be qualified to 13,000 naira as financial help from another participant in the community,

50,000 naira qualifies you to receive 65,000 naira

100,000 naira, qualifies you to receive 130,000 naira… etc


So basically.. the percentage grows by 1% daily or 30% monthly.

The basic calculation is.

Donation amount X 1.30 = expected amount after 30 days….

Let me just hint us on what goes on in the system a little.


When you make a donation request, your request is registered and placed in a queue, while your money still remains with you. The system has been programmed to sum up all the amount pledged to donate as total deposit in the system.

In exchange the system will register your request with its virtual currency called mavros. This mavros is already growing at 1 percent per day. While your request is in queue and your money is still in your pocket or bank account.


It’s a tradition in MMM, that your donation is frozen for 14 days… So within that 14 days you cannot ask for help. However, you can ask for help(get help) after 14 days because it would have been unfrozen also if your order to send money to a participant who needs help is out already and money has been sent(and Confirmed).


So there are situations where your request will be in queue for 15-30 days and your virtual mavro is growing steadily.. Maybe on the 30th day your donation request is approved, contact details and bank details of the recipient who needs help is sent to you.. And you make the payment already and payment was confirmed… I tell you… Even the next day being the 31st day you can withdraw or request to get help.

And the total money you ask as help will be paid to you within 48 hours maximally by another participant



Are you wondering where the 30% growth comes from?


Yes! I know you must be wondering where it comes from because we say MMM is not a business. Neither is it a multilevel marketing program.


Let me give you a practical example.


You create a request to provide help (PH) of N30,000.  Someone else must have created a request to get help (GH) of N30,000. After some time , the order will come, the order contains the details of the recipient. The details include the name, phone number and the bank account details of the recipient. You will  execute the order by sending the money (N30,000) to the recipient.

Remember your reward will be N39,000 after a month.

Now, at the end of one month you want to withdraw(GH). You will create a request to get help (GH) of N39,000. An order will be created, linking you to the person(s) that will pay you the money just the same way you paid N30,000.

The person who pays you N39,000 will still earn 30% on that amount which will be paid by another person.

So, the 30% comes from the members.

There is no interest rate in MMM. What we have is 30% growth. In MMM when you create a request to provide help of a sum of money,  your account will be credited with Mavro.

Mavro is simply an index of growth of your donation. Mavro an index of your contribution to the development of the Community. This index grows at 30% per month. It is just a technical matter. Programmers can adjust this growth rate of mavro at any moment. The amount of mavro and its growth rate can be decreased, increased, stopped or  cancelled. The amount of mavro and its growth rate can be adjusted at any moment to balance PH (Providing Help) and GH (Getting Help). That’s why MMM can’t collapse due to weak inflow of donations. If the inflow of donations will decrease, the amount of mavro will be adjusted, but the main important thing is  that the process of donation exchange will not stop. It makes MMM stronger than the financial organizations.

Financial organizations have obligations, if they do not meet them, they will go bankrupt. MMM is very flexible. No matter what will happen, people will provide and get help.





No! MMM doesn’t make any guarantee.. Why?  Because it doesn’t generate revenue, neither does it use our money for any business to generate profit. It’s purely a peer to peer transaction from one member to another member.


MMM belongs to the community. It belongs to the members. its sustainability depends on the activities of the people dat make up the MMM Nigeria community. That is you, me and other MMM Nigeria participants. We own MMM. So it is our corporate responsibility to ensure that this system given to us freely by Sergey Mavrodi keeps helping people in meeting their financial needs by ensuring that we grow the community.

By sharing MMM with friends, family and business acquaintances..


Just like the banks invest so much funds in marketing, to attract new deposits, MMM also markets through seminar presentations and Charity events to create awareness and encourage people of different Nigerian ethnic groups to join the community.


Go here to register 👇




*MMM* is real *FANS* abeg No fear OOOOO .


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This entry was posted on September 2, 2016 by in Enter to view.
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