Million Money: The full review (2020)

Million Money

This is a full review on the Million money smart contract.

In this new review, I will answer questions like:

What is Million Money?

How does the Million Money smart contract work?

Is Million Money Legit or a scam?

How Do You Earn money from Million Money?

How can I sign up/set up my Million Money account?

plus many more.

Let’s dive right in…

Note: This post has everything you need to know about Million Money, including a step-to-step guide on creating your own account(with lots of image illustrations). Use the Table of contents below to skip to the section you want.

Table of contents

What is Million Money?

Million Money

Million Money is a peer-to-peer crowdfunding system written into the Ethereum blockchain network.

Million money helps people earn Ethereum by growing the population of Ethereum users.

The more people use Ethereum, the more popular and valuable it becomes.

And as of the time of writing this post, Ethereum was worth $277.92(₦107,064). Tomorrow it could be worth $573(₦220,736.78).

This means your Ethereum keeps increasing over time.

What are Ethereum, Cryptocurrencies, and Smart Contracts?

Million Money is a Smart Contract built on the Ethereum blockchain network (Cryptocurrency).

It can never be deleted, changed, or hacked. It will always be available as long as the internet exists.

To make things easier, I broke them down into simple explanations:



What is Cryptocurrency?

Cryptocurrency is a digital currency built on the Blockchain network. This digital kind of money, unlike physical currencies e.g. Dollar, is not issued by a Central Authority(Decentralized).

“Crypto” refers to the various encryption algorithms and cryptographic techniques that safeguard these entries, such as elliptical curve encryption, public-private key pairs, and hashing functions.

In other words, Cryptocurrency systems allow secure payments online .

Cryptocurrencies help transfer funds directly between two parties, without the need for a third party like a bank or credit card company. These transfers are secured by the use of public keys and private keys.

Fund transfers are completed with minimal processing fees, allowing users to avoid the steep fees charged by banks and financial institutions for wire transfers.



What is Ethereum?

Ethereum is the second-largest Cryptocurrency in the world after Bitcoin.

While Ethereum is a cryptocurrency, it is not the same as Bitcoin.

Cryptocurrencies are of the many applications that supported by Blockchain technology. The same way Emails are one of the many applications of the internet.

Bitcoin on its own is a Decentralized Application that creates a Peer-to-peer cash system (Users transact in bitcoins).

On the other hand, Ethereum lets developers build and launch Decentralized Applications(DAPPs) for any purpose.

Apps on the Ethereum network run exactly as they are programmed without any possibility of censorship, downtime, fraud, or third-party interference.

Payments on the Ethereum network are done with its cash system Ether.

Ether has two purposes:

  1. It is traded as digital currency like other cryptocurrencies.
  2. It is also used inside Ethereum to run and monetize applications.

Smart Contracts


What makes Ethereum stand out is its smart contract functionality.

Smart contracts are like regular contracts, the difference is Smart contracts run automatically.

Smart contracts are computer codes that control the exchange of money, content, property, shares, or anything of value.

Once deployed, they can never be changed or deleted.

These scripts can be created by anyone on the network.

They contain the rules, obligations, and penalties of a mutually agreed-upon contract between peers.

Since they run on the tamper-proof public blockchain, smart contracts control the transfer of assets or currency in a transparent and trustworthy way, without the need for an intermediary(middle man).

When running on the blockchain, a smart contract becomes like a self-operating computer program that automatically executes when specific conditions are met.

Because smart contracts run on the blockchain network, they run exactly as programmed without any possibility of censorship, downtime, fraud, or third-party interference.

A typical example of a smart contract is the Million Money smart contract.

How does Million Money work?

Million Money smart contract

Million Money’s smart contract redirects members’ transactions from wallet to wallet, according to the given marketing conditions.

Imagine a system where all you need do is bring in 2 serious referrals, with a small startup fee of 0.048eth($12.72 or ₦4,900) and you could be earning over $462,853.32(₦178,304,971) every 3 months!!!

The contract was programmed not to accumulate funds, but to serve only as a transmitter.

The balance of the contract is always zero, anyone can verify this. It simply lacks the function of taking funds from your balance.

All earnings from each transaction you make are sent directly to your Cyptowallets, safe and sound.

Note: Wallets needed are the ECR 20 Ethereum wallets that have a Decentralized app. Examples of such wallets are; Trust wallet and Metamask Ethereum wallet.

Is Million Money Legit or a scam?

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After a deep research, I have gathered 10 solid reasons why Million Money is not and can never be a scam:

  1. Million Money, built on the Ethereum blockchainis 100% guaranteed of top-notch security.
  2. 100% Decentralized(not owned by a single person or organizationyou keep every penny you earn.
  3. No admin(Person) involved or required. The smart contract transfers money automatically to each member, based on given market conditions.
  4. No withdrawal request needed. Payments are sent into your wallets.
  5. Impossible to hack.
  6. Impossible to scam.
  7. No risk of losing a single penny of your money, for it is on the blockchain network.
  8. One time startup cost. Pay once, earn forever.
  9. Not a PH/GH type of platform like MMM.
  10. The value of the coin increases, meaning more money for you as time goes by.

What Is Needed To Sign Up for The Project?

It is enough to have a computer or smartphone with a steady internet connection.

You will also need an Ethereum wallet(e.g. Trust Wallet) funded with a small one time fee of 0.048 eths (₦4,900 or $12.72).

Million Money plan

Million Money Plan

To make money and advance in levels, your downlines (people that signed up with your referral link) will buy levels from you. And as they grow, you grow too.

There is no room for being greedy. You help yourself by helping others. Million Money made sure of that.

So how does it work?

You are in level 1 by default, when you sign up. If you invite two people, they both buy that level 1 through you, then you use the profit to move on to level 2.

These two people are called your “downlines” and you are their “upline”.

Warning: If your downlines buy a level before you, you lose all your profits. This profit will be redirected to your upline that is on the level to receive the payment. So always stay ahead.

Million Money levels

Million Money Ethereum

Levels are statuses that give the right to receive payments from your downlines.


The 1 level gives you the right to sell this 1 level to your two invited partners.

The 2 level gives you the right to sell this 2 level to your four partners in row 2.


The 5 level gives you the right to sell this 5 level 32 times to your partners in row 5.

The 6 level gives you the right to sell this level again to your two invited partners of row 1.

The 7 level gives you the right to sell it to the four partners of row 2.


The 10 level gives you the right to sell this 10 level to the same partners to whom you sold the 5 levels. They are the 32 people in row 5.

Let’s break it down even more:

As I mentioned earlier, you need a group of 62 downlines. Each divided into 5 rows.

Row 1 has 2 referrals, referred by you.

Row 2 has 4 referrals, referred by the previous two.

Row 3 has 8 referrals, referred by the previous four.

Row 4 has 16 referrals, referred by the previous eight.

Row 5 has 32 referrals, referred by the previous sixteen.

Each referral stacked over each other, from row 1 down to row 5.

How Do You Earn money and Advance in Levels?

Million Money Earnings

You are in level 1 by default and expecting profit. The only way you gain profit is if your downlines buy levels from you.

To get level 1 profit, invite two people who will buy level 1 through you.

You get paid 0.03 eth two times, which equals 0.06 eth. Use it to buy level 2 at 0.05 eth and you have a profit of 0.001 eth.

The two referrals that bought level 1 from you are from row 1. Directly under you.

Warning: Wait till level 4 before you withdraw. So that you can advance to another level without starting afresh.

Here are detailed explanation on earnings for each individual level:

Level 1: 2 referrals on row 1 buy level 1 from you at 0.03 eth. Which gives you a total of 0.06 eth.

You buy level 2 for the price of 0.05 eth, leaving you with 0.01 eth(₦1,070.64 or $2.78).

Level 2: 4 referrals on row 2 buy level 2 from you at 0.05 eth. Which gives you a total of 0.2 eth.

0.2 eth plus your previous balance of 0.01 eth, which equals 0.21 eth.

You buy level 3 for the price of 0.1 eth, leaving you with 0.11 eth(₦11,777 or $30.57).

Level 3: 8 referrals, on row 3 buy level 3 from you at 0.1 eth. Which gives you a total of 0.8 eth.

0.8 eth plus your previous balance of 0.11 eth, which equals 0.91 eth.

You buy level 4 for the price of 0.4 eth, leaving you with 0.51 eth(₦54,604 or $141.74).

Level 4: 16 referrals, on row 4 buy level 4 from you at 0.4 eth. Which gives you a total of 6.4 eths.

6.4 eths plus your previous balance of 0.51 eth, which equals 6.91 eths.

You buy level 5 for the price of 1 eth, leaving you with 5.91 eths(₦631,999 or $1,640.58).

Level 5: 32 referrals, on row 5 buy level 5 from you at 1 eth. Which gives you a total of 32 eths.

32 eths plus your previous balance of 5.91 eths, which equals 37.91 eths.

You buy level 6 for the price of 2.5 eths, leaving you with 35.41 eths(₦3,791,305 or $9,841.64).

Level 6: 2 referrals, on row 1, buy level 6 from you at 2.5 eths. Which gives you a total of 5 eths.

5 eths plus your previous balance of 35.41 eths, which equals 40.41 eths.

You buy level 7 for the price of 5 eths, leaving you with 35.41 eths(₦3,791,305 or $9,841.64).

Level 7: 4 referrals, on row 2, buy level 7 from you at 5 eths. Which gives you a total of 20 eths.

20 eth plus your previous balance of 35.41 eth, which equals 55.41 eths.

You buy level 8 for the price of 10 eths, leaving you with 45.41 eths(₦4,862,215 or $12,621).

Level 8: 8 referrals, on row 3, buy level 8 from you at 10 eths. Which gives you a total of 80 eths.

80 eths plus your previous balance of 45.41 eths, which equals 125.41 eths.

You buy level 9 for the price of 20 eths, leaving you with 105.41 eths(₦11,286,208 or $29,297.33).

Level 9: 16 referrals, on row 4, buy level 9 from you at 20 eths. Which gives you a total of 320 eths.

320 eth plus your previous balance of 105.1 eth, which equals 425.41 eths.

You buy level 10 for the price of 40 eths, leaving you with 385.41 eths(₦41,262,971 or $107,112.57).

Level 10: 32 referrals, on row 5, buy level 10 from you at 40 eths. Which gives you a total of 1280 eths.

1280 eths plus your previous balance of 385.41 eths, which equals 1665.41 eths(₦178,304,971 or $462,853.32).

You now finally have 1665.41 eths which are ₦178,304,971 or $462,853.32. Hence completing your cycle.

In simpler maths form:

Level 1: 0.03 eth x 2 referrals from row 1 = 0.06 eth.

Buying Level 2: 0.06 eth — 0.05eth = 0.01 eth(₦1,070.64 or $2.78).

Level 2: 0.05 eth x 4 referrals from row 2 = 0.2 eth.

0.2 eth + 0.01 eth(previous balance) = 0.21 eth.

Buying level 3: 0.21 eth — 0.1 eth = 0.11 eth(₦11,777 or $30.57).

Level 3: 0.1 eth x 8 referrals from row 3 = 0.8 eth.

0.8 eth + 0.11 eth(previous balance) = 0.91 eth.

Buying level 4: 0.91 eth — 0.4 eth = 0.51 eth(₦54,604 or $141.74).

Level 4: 0.4 eth x 16 referrals from row 4 = 6.4 eths.

6.4 eths + 0.51 eth(previous balance) = 6.91 eths.

Buying level 5: 6.91 eths — 1 eth = 5.91 eths(₦631,999 or $1,640.58).

Level 5: 1 eth x 32 referrals from row 5 = 32 eths.

32 eths + 5.91 eths(previous balance) = 37.91 eths.

Buying level 6: 37.91 eths — 2.5 eths = 35.41 eths(₦3,791,305 or $9,841.64).

Level 6: 2.5 eths x 2 referrals from row 1 = 5 eths.

5 eths + 35.41 eths(previous balance) = 40.41 eths.

Buying level 7: 40.41 eths — 5 eths = 35.41 eths(₦3,791,305 or $9,841.64).

Level 7: 5 eths x 4 referrals from row 2 = 20 eths.

20 eths + 35.41 eths(previous balance) = 55.41 eths.

Buying level 8: 55.41 eths — 10 eths = 45.41 eths(₦4,862,215 or $12,621).

Level 8: 10 eths x 8 referrals from row 3 = 80 eths.

80 eths + 45.41 eths(previous balance) = 125.41 eths.

Buying level 9: 125.41 eths — 20 eths = 105.41 eths(₦11,286,208 or $29,297.33).

Level 9: 20 eths x 16 referrals from row 4 = 320 eths.

320 eths + 105.41 eths(previous balance) = 425.41 eths.

Buying level 10: 425.41 eths — 40 eths = 385.41 eths(₦41,262,971 or $107,112.57).

Level 10: 40 eths x 32 referrals from row 5 = 1280 eths.

1280 eths + 385.41 eths(previous balance) = 1665.41 eths(₦178,304,971 or $462,853.32).

Note: I use the Luno app to convert Naira/Dollars to Ethereum, because of networking gas fees. Don’t use Google.

Tips on getting referrals

Getting referrals is the most important step in earning from Million Money. You have to convince them of the values of the program before they will sign up.

Here are 4 tips to keep in mind when looking for referrals:

  1. Invite 2 serious people: refer two people, that are sure to bring two more serious people, each. If your downlines are full of serious people, the link will keep growing, without you doing much work. That’s less stress and more money for you.
  2. Tell them about their gain: Million money’s main goal is to reduce poverty by crowdfunding. You might want to remind your prospects about how it’s possible to get financial freedom. Cus if you master the act of referring people, you can actually make a living from this, every 100days.
  3. Teach them everything you know: If you explain Million Money to them in detail, they will have no choice but to sign up. You can also refer them to this page if you find it hard to teach.
  4. Offer 24/7 help: The process of registering for Million Money can be quite daunting for newbies. You can assure them that you are only a call away from helping them if they encounter any problems. All the time.

Follow every single step, down to the very last detail, so that you can reach level 10 within a month or less.

Setting up your wallets

Million Money

Setting up a Million Money account can be quick and painless. Following the steps in this guide will get you up and running in no time.

We will be using the mobile phone method since almost everyone online should have a smartphone.

On the the other hand, using a smartphone makes it easy to see your earnings on the go.

Where do you start?

You will need to deposit an entry fee of 0.03 eth. But pay at least 0.048 eth before you fund your wallet. There will be deductions for networking and gas fees.

0.048 eth is currently worth $12.72 or ₦4900(as at the time of writing).

You will need a Crypto exchange app and the Trust wallet app.

As you may or may not know, I am Nigerian, and I use the Luno app to convert Naira to Ethereum

Click this page to see if your country qualifies for luno app( )

If you are not Nigerian, or your country isn’t on the list, use Google to find a crypto exchange for your country.

To search use this formula:

How to buy Ethereum in *your country*.

Real example:

How to buy Etereum in London.

Note: Don’t stick to my formula, try different things to make sure you get the perfect option for you.

Getting the required crypto Wallets/Digital wallet

The process I will use to set up Luno is going to be like other exchange apps out there. Make sure to pay close attention.

To get the Luno app, go to playstore, or apple store for ios users, and download.

Or you could click the buttons below:

Trust wallet is available on playstore, apple store, and from the official trust wallet download page.

Luno app setup

Head over to playstore using this link.

Install the app then click “open”.

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After launching the app, you will be taken to the Luno app home screen.

Here, you will see stats on cryptocurrencies like bitcoin, ethereum, etc. for the past 28 days.

Click on “ETH”, scroll down and you will see a form to buy the currency.

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Click “Own amount” then input the amount you want to buy. Preferably, the amount that results in a total of 0.048 eth and above to be able to pay for network and gas fees.

Warning: When I was registering, I made the mistake of inputting ₦4000 which was 0.0375586 eth as at that time. Don’t make that same mistake. Deposit above 0.048 eth.

Why should you buy now?

The price of Ethereum might drastically increase, so you would want to act fast, that is if you plan on buying and starting at a cheap rate.

Regardless of when you buy the ethereum, make sure to buy ethereum worth 0.048 eth and above, to avoid unnecessary stress like the one I faced.

After writing the amount, click on “buy”.

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You will be taken to a new page, click on “sign up”.

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Input your email and desired password, or you can use the google method.

For me, I used the google method, because it’s faster to authenticate.

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Create a four-digit pin that you can remember.

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Note: Make sure you can remember the pin, as you will always need it whenever you want to run a transaction or an important setting.

After verifying the pin add your desired phone number so that you can receive security alerts via SMS.

Check your inbox for the SMS sent to you, or you could also choose to receive a call, where they dictate the secret code to you.

Use whichever one suits your needs at the moment.

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After verification, you will be taken to a new page, click “setup your profile”.

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Fill in your required details.

For ID, you could choose between BVN and National Identification Number(NIN).

As for me, I used the NIN method. Feel free to use whichever one you are most comfortable with.

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Verify your input.

Tick the checkbox below then click the “confirm” button.

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You will be taken to a new page, where you should click “buy”.

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On the next page click on “deposit money”.

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Pick a method you would like to use to make the transfer.

you can either use “Paystack” or “PayU”.

For this guide, we would be using the PayU method.

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Fill in your card details. After filling in your details, click “pay 5000” or the amount you want to pay, in naira.

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It will take you to a new page similar to your banks. For me, I used Gtbank, cus that’s my bank.

Choose OTP or Hardware token. This may defer, depending on your bank.

Whichever way, if you have access to the phone number or email linked to the bank, it’s always better to use the OTP method.

After choosing OTP, tick the checkbox then click “submit”.

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You will receive an SMS and Email containing the OTP. Fill in the OTP form then click “submit”.

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After successful completion of the above, click “Continue” to be redirected to a mission complete page.

Click “Done” to finish.

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Go back to your wallet then refresh. Once the payment is successful, you will see it in the naira part of the wallet.

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Now that you have funded your Digital wallet, convert your Naira to Ethereum.

To convert, click on “Eth”, then click “Buy”.

Or on the wallet tab, click “Buy”, then select “Ethereum”, all still end up the same way.

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On the next page, click the “NGN wallet”, fill in the form on the next page then input the exact amount left in your NGN wallet.

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Click “Confirm” then on the ‘Welcome to the future’ page, click “Done” to finish the conversion.

Refresh your wallet and the changes should have taken effect.

You should see your new balance on your Ethereum wallet.

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One last thing:

You will need to do is enable your Luno account to send cryptocurrency.

This feature will be used for your trust wallet later on.

Note: The above authentication takes a 24hours waiting period.

Don’t open the trust wallet yet, so you won’t get confused with the setup.

Go to the Settings Tab, click “Security”, then “Cryptocurrency”, and finally, click “Enable Send”.

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Enter the four-digit pin that you created earlier.

After that, you will get a confirmation link sent to the phone number connected to your Luno account.

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Note: make sure the sim that receives the SMS is on the same phone where the Luno app is installed.

Go to the SMS then click on the verification link. It will redirect you to the next page, scroll down then click “Authorize”.

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After the 24 hours wait, you can now proceed with the Trust Wallet setup.

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We will still return to the Luno app to transfer our Ethereum to our Trust wallet account.

Trust Wallet setup

Once downloaded, install the app then open.

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In the next screen, you will be asked to create a new wallet. Click on “Create a new wallet”.

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Tick the checkbox below to agree that you have read the privacy policies and Terms of Service

Which let’s be honest, nobody actually reads. Lol.

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Warning: In the next screen, you will be asked to backup your wallet. This part is very important, so pay close attention.

For the backup, you will be given 12 words numbered from 1–12 accordingly.

Make sure to write it down according to how you saw it, each number on their designated word.

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Did you know Trust wallet is so security cautious about this, that they won’t even allow us to take a screenshot?

Try it if you doubt. I tried, it never works. Let me know if it works on your phone.

Be sure to keep this 12-word password safe from everyone, because anyone who has your code can access your funds and take all your money. And you wouldn’t want that.

Once you have verified the code, you will receive a pop-up notification telling you that you have created your wallet successfully.

Next, you will be asked to receive push notifications.

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Once that is out of the way, you will be taken to your Trust wallet dashboard, where you see all your earnings/wallet balance.

If you look at it, you will notice that the currency is reading in dollars, you won’t want that if your preferred currency is Naira.

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It’s a personal choice, if you prefer dollars, you can skip this setup and onto the next one.

To change your currency to naira, go to the settings tab, click on “Preference”, then “Currency”.

Scroll down and select “NGN-Nigerian Naira” or your preferred currency when you see it.

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When you return to your dashboard, you will notice that it has changed and now reads in Naira.

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This is helpful if you want to know the immediate naira value of your cryptowallet balance.

Now that the currency preference is out of the way, it’s time to sign up for the Million money project.

Before you do, you need to fund your Ethereum wallet.

You are going to transfer ETH from the Luno app wallet straight to your Trust wallet.

Note: Make sure you have completed the 24 hours wait on the Luno app before you proceed.

To fund your Trust wallet:

Go to your trust wallet dashboard, click “Ethereum” then click “Copy”.

This will copy your Eth address inside your trust wallet. With this address, anyone can send Ethereum to you.

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After copying the address, head back to the Luno app. Select the wallet tab then click “Eth”.

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Click “Send” paste the Eth address you copied from the trust wallet then click “Next”.

Input the amount you want to send, preferably 0.048+ eth then click “Next”.

Add a note. This is optional.

Confirm that you want to send then enter your Luno pin.

You will receive a verification SMS, open the text then click on the link.

This link will redirect you back to the app where you perform a final confirmation of your transaction.

Click “Authorize” and you are done.

If you refresh your wallet after a minute or so, the transaction should have been completed and your Trust wallet should be funded.

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Signing up For The Million Money Program

Once your Trust wallet has been funded, the next thing to do is sign up for Million Money to start making your money.

To get started:

Go to the Dapps tab, paste in the referral link of the person that invited you, hopefully, mine 👉

After pasting the link above, load it to be taken to the million money homepage.


Click the button below to load it automatically for you.

The button above will only work if you already have TrusTrust wallet installed on your phone.

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Now we are on the homepage.

And yes, it is Russian, but don’t fret, we can change this in a jiffy.

Click on “RU” then choose English or any other preferred language.

This will change your language settings instantly.

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Now that the language problem is out of the way, go ahead and click “register/sign up”.

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Since we already make use of Trust Wallet, just click “Login automatically”.

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If your wallet’s logo is not listed above, just copy your Eth address and paste it into the input box.

After pasting, click on “Enter manually (preview mode)” to log in.

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You will now be asked to purchase level 1 at 0.03 eth, with an additional network or gas fee of at least 0.01 eth.

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You will notice that instead of paying 0.01 eth for networking fees, I am to pay 0.02652 eth which was ₦2,500 as at the time of sign up.

The safest amount to pay for gas is 22–27 gwei, but to be on the safe side I always make it 25 gwei.

If you choose below 22, the transaction will be pending forever and will never complete in most cases.

For gas limit change to 400,000

To reduce the price, click on the settings icon then replace the gas price and gas limit to 25 and 400000 respectively.

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Warning: Because of my previous mistake of 0.038 eth, I had to fund my trust wallet again so as 2 reach 0.04 eth. Don’t make the same mistake.

After you confirm the transaction, you will be taken to the website, where you will see details of your transaction.

Scroll down, you will notice that your transaction is still pending. It should have successfully sent in less than 2 or 3 minutes.

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You can also access the page by going to your Dashboard>Ethereum>transaction>more details.


You get a Success notification from Trust wallet if only push notifications are enabled (as explained earlier).

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Once the transaction is complete, you can now log into your Million Money dashboard using this link

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Million money dashboard

To view your uplines(people directly above you) click the tab as illustrated below.

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To see your downlines and get your own referral link, click the tab as illustrated below.

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Now you have successfully set up your account and you are ready to start making money with the Million Money smart contract.

Always remember to repeat the earning cycle every 100 days. Do this by clicking “repeat” on your Million Money dashboard.

Feel free to contact me on Whatsapp through if you ever need help setting up.

And also :

Don’t forget to use my referral link ( ) when signing up for Million Money.

See you soon.

Author: G-will Chijioke

Udedibia God'swill Chijioke is a freelance WordPress Developer and a Tech-savvy that is addicted to Android Phones

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