Cash App Circle Money Scheme How Does it Work & Avoid It 2023 ✅

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Cash App Circle Scheme: If there’s one thing that’s not going anytime soon or may never be is a Scam.

Scammers are constantly finding new and more sophisticated, convincing, and seemingly genuine reasons to steal your money right under your nose.

What is Cash App Circle Money Scheme?

Cash App Circle Money scheme is a form of investment in which each of the paying participants recruits two further participants and returns rewarded to early participants from the money contributed by the later ones.

Suppose you are told to put up $100 and bring in two additional recruits who would each contribute the same amount of money. In a little more than three weeks, you would get $2,000 in return.

Would you do it?

Yes? No? Maybe?… Let me think about it…..

Whatever your answer may be, continue reading below on how the Cash App Wheel Scam – Cash App Pyramid Scheme 2017, 2018, 2023

Cash App Circle Scheme

How does Cash App Circle Scheme Work?

Basically, the Pyramid/ Circle Scammer will ask you to pay a certain amount of money (for instance $100) to have your name written into the outer circle. The name in the middle is required to ‘cash out’ when all the spaces are filled to cash out your money. The inner then circle moves up one to replace the center, the outer circle moves in to fill the inner circle and people pay to join the outer circle.

When you are in the Centre, it cashes out with the money (not completely sure how much, but all the money) and then once it is to cash out, the next name moves up, outer circle names move into the inner and then people pay again in order to join the Outer Circle.

Essentially like the pyramid of all the pyramid schemes- the circle chart even is similar to a pyramid in a bird’s-eye view.

Pyramid schemes in their multi-level marketing schemes, for instance – Monat and Younique are completely legal and based on the product being there and sold with a certain percentage of the money made by selling product vs commissions by recruiting others (say $50 to join a team) of course legally.

>> Read: Cash App Activity Not Showing?

The majority of the money is made by the ‘upline’ and the inner circle also would get a percentage of the sales made of the outer circle, and the center circle similarly also gets money from the other two as a commission.

The game cuts out the product and you only make money when other people invest and so on and so forth the cycle continues. So, essentially If someone pays then the pyramid moves and gets paid, however, if nobody else joins after you’ve paid and even moved up, you don’t get paid any money and you’ve lost your initial primary investment.

Cash App Circle and Wheel Game

If you have a hard time understanding the above MLM scheme, let me explain to you another example to explain the process of earning a profit with the Cash App Circle/ Wheel Pyramid Scheme.

Let’s say there are 9 participants in the “wheel” with one person in the middle and the others in the outer circle. Everyone chips in $200 and the total amount goes to the inner figure.

So, you basically invest $200 and get $1600 from your 8 other fellow outer wheelers. Hence, your net profit is $1400.

In the next step, the wheel splits up and another person gets to the middle circle and the cycle continues and everyone gets $1600.

When you get your $1600 – you’re out of the circle, but you can pay another $200 again in order to re-enter the circle.

From the outside, the rules and conditions make the deal sound like a 100% win-win situation like a lending scheme with infinite earning opportunities.

As much as it sounds like an easy scheme, there are many pitfalls in the game and the circle scenario.

>> Read: Is Cash App $100 to $800 Scheme Real?

First of all, let’s say there are three wheels before one gets to the middle, there are at least 24 people to join this business to qualify for the prize.

Secondly, it’s quite strange that you are always the third in line to the middle and considering there are around 8 people in the outer circle alongside you.

Thirdly, there is always the possibility that the circle of money will stop without finding the 8 people to make the next circle or round meaning those unlucky persons will not get any cash.

There is also a huge chance that the participants on the wheel may be fake bots or even actual people that are trying to scam gullible people to invest their money in this strange Wheel of Cash business scheme.

Cash App Flip Scheme

Apart from the Cash App Pyramid Scheme, scammers are also targetting vulnerable Cash users and claiming that they can modify the transactions through payment applications like Cash App to double their money.

>> Read: Are Cash App Flips Real? Cash App Flip Scam – How to Avoid Them?

They in return ask for the recipient to share the initial service fee with them for providing them this so-called double money service.

Once you pay them, they disappear with your money.

Do we recommend MLM Scheme?

There are many legit MLM companies such as – Amway, Herbalife, Avon Products, Vorwerk, and many more.

However, there are also many fake MLM scams that target people in vulnerable financial situations – you may be lucky if it works as it’s likely to fizzle out quickly.

Recruiters often will try to convince people with the typical “we’re not a pyramid scheme” copypasta cult post they all make at some point.

Don’t get me wrong, there are actually genuine Pyramid MLM companies, but there are also many schemes that have caused financial distress from joining as they usually end up losing money and end up in a bad situation. They try to get you into the “advanced in levels” and some even buy stock to meet the requirements to advance.


In order to protect your money, we recommend not to chat with anyone on the phone claiming to be with Cash App and that they can double your money or join their scheme and you will get paid x amount of money in 2 weeks’ time.

Remember that Cash App doesn’t have live phone customer support, so why would a person connected with Cash App contact you in the first place? With more people looking for a little extra bit of money during the COVID-19 pandemic, sadly, more scams are popping up targetting vulnerable individuals.

Did you find this article helpful? Share this article with someone who might need help to avoid falling for these scams!

Laurens Yarpei

Hi! I'm Laurens Yarpei, your go-to fintech expert with a passion for Cash App. Laurens graduated from the Adelphi University and the website has been Featured in Tribune, Republic World, Guardian NG, Zee News, Outlook, reaching financial independence at the age of 20s. He writes about personal finance, P2P Apps, investing, entrepreneurship, and mindfulness. Twitter, Facebook, YouTube , Pinterest. Linkedin

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