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LIVE OUT YOUR DREAMS

With MMM your money grows by up to 30% per month
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30%
MMM is a Community of mutual aid which has no equals. It was
founded by Sergey Mavrodi in 2011 with the aim of creating a fair
financial system. In MMM people lend financial help to each other
and get 30% of the corresponding amount on a monthly basis.
MMM participants unite to overcome social inequality; they want
to live in abundance and feel confident about their future.

Thanks to the Community people can help their families

and friends financially, travel, run charities, visit health resorts
and start their own businesses. Together, they are building
a fair world. With MMM, every person can become financially
independent, including you.
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MMM Geography Top countries by the number

Residents from 118 countries have joined the MMM
of participants:
Community. New participants join us every second.
China Brazil

India The USA

Indonesia Turkey
There are already

200 mln
Japan South Africa

Nigeria Spain

people in our Community!

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Ideology:

MMM brings
happiness
The modern world is bad. It is inhumane, unfair
and unjust. It is a world of money.
It is not made for people. It is made for those
who make money, for bankers and the government.
Ordinary people are some kind of servants
for t he rich, sweeping out their palaces.
What lies behind the welfare of the community?
Its labor. Why then do bankers live a hundred,
a thousand times better than ordinary laborers?
Bankers dont work harderThey do not produce
any material items. Financial world is a pyramid.
Those who print money the government
and the banks are on top of it. Ordinary people
are at the bottom, under the Big League.
Many people live on the breadline. They are unable
to maintain themselves and their families, not
to mention buying clothes and any material values.
Most people worldwide are dissatisfied with their
income People are massively indebted to the
banks We are witnessing social inequality, when
some have everything, while others own nothing.
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Ideology:

Although the state budget expands by levying

taxes on ordinary people, the authorities
are unwilling to increase salaries and ensure
a comfortable life for ordinary citizens.
Whereas MMM creates an alternative
to the current financial system.
Thanks to the Community the existing
financial system will lose the competition
and will be replaced with a new one. Everyone
will get a
 chance to live happily, in abundance,
and will cease to obey banks and the
government.
People aspire to self-fulfillment: someone
is dreaming of getting an education and start
a business, someone wants to travel, a nd
someone has a vital goal of raising children
in abundance and help the needy. There
are a lot of people, with each one having
their own desires and needs. To achieve
these goals, we need money, and, thankfully,
MMM solves this problem. The Community
gives a chance to everyone to do what they
want.
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What is money?
Money is shackles into which we are put by banks
and the government. You can do nothing without
money: neither buy food, nor manage a disease.
We got used to the fact that everything is done 
for money, and we highly appreciate it. But, in fact,
it is just pieces of paper printed by banks, which
are backed by nothing. These pieces of paper
are given to people as payment for their work.
The US Fed has no external constraints
and c an print dollars in unlimited quantities.
Central banks of other countries are regulated
by the Fed. Theoretically, money can be printed
in the amount as large as one wishes so that
it will suffice f or everyone. But the economic
system is structured in such a way that we sell
our time, skills and knowledge for money,
which is never enough.
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About the founder

Sergey Mavrodi is the founder and leader of the
MMM Community, which has become his lifetime
project. He is one of the few who has defied
the current unjust financial system.
Mr Mavrodi stands for the financial freedom 
of every person and believes that a person doesnt
need a lot of money to be happy, it is sufficient 
for them to be able to use it at any time. T
 o know
that they possess it.
Moreover, Sergey Mavrodi is a brilliant
mathematician, candidate master of sports
in Sambo, a Deputy of the Russian Parliament
in 1994. At a young age, he worked as a programmer
and participated in the development of the first
operating systems. The company he founded
was one of the leading distributors of computer
technology in Russia.
Sergey Mavrodis hobby is writing novels and poetry.
More than 300 of his literary works have been
issued and are on sale in stores. Several movies
have been filmed based on his scenarios,
and his poems have been set to music.
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History of creation
MMM was first founded by Sergey Mavrodi
back in 1994, in Russia. Within 6 months, 
20 million participants joined MMM, 
and the amount of contributions m  ade
up a third of the countrys turnover.
The founder of the Community wantedto
go beyond Russia and bring MMM to other
countries, but the massive success of MMM
bothered the officials. The authorities wanted
to take the Community over, but Mr Mavrodi
refused to hand it over, acting in the interests
of the participants. Having been denied what
it had desired, the Russian Government
deliberately destroyed the Community
and arrested Mr Mavrodi on false charges
and confiscated the money of the participants.
In 2011, Sergey Mavrodi founded MMM 
as a multinational Community. It is the only
Community in the world which has the tools
to change the financial system in favor 
of the ordinary people.
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MMM Progress: 20112016
2011 Year 2011. MMM is started up on the Internet. 
It mainly includes citizens from Eastern European
countries. Sergey Mavrodi changed his role of the
owner for the role of an advisor-consultant.
Every week he records video messages
to the Community members with tips and
ecommendations on participation. All funds are
kept on the accounts o  f the participants themselves
Mr Mavrodi has n  o power over the funds.
2012 Year 2012. Sergey Mavrodi finally creates equal
positions for all participants. Now everyone
receives the same percentage of the provided
help amount, regardless of the number of attracted
new members. However, participants do receive
bonuses for each invited user.
2013 Year 2013. MMM becomes very popular and goes
beyond Eastern European countries. Participants
from all over the world start to join the Community.
By the end of 2013 there are already 35 million
participants in MMM.
2014 Year 2014. MMM continues to admit participants
from different parts of the world Asia, Africa,
Europe, America. The Community introduces
the possibility of using the Bitcoin cryptocurrency.
Now people can freely transfer money to each
other, even if they live in different states.
At the end of 2014 the number of MMM
participants amounts t o 70 million.
2015 Year 2015. MMM starts to arrange charity events. 
In different countries MMM leaders give food
to the poor, school supplies to children,
and so on. By the end of the year 150 million
people participates in MMM.
2016 Year 2016. MMM keeps growing worldwide.
Participants continue to hold charity events, donate
help to those in need. The growth rate is constantly
increasing. There are already more than 200 million
participants from 118 countries in the Community!
Soon the entire world will join MMM!
2016 200 million participants from
118 countries have already joined the Community.
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How to participate in MMM

Anyone a student or a retiree is able to understand
how MMM works. Its not complicated at all.

1
You must be registered on the official
MMM web-site.

2
Upon registration, you are granted access to your
Personal Office. You can use it to help others and
get help.

3 Specify your bank details for money transfers 

in your Personal Office.

Now you can become a full-fledged

participant of MMM!
To provide help, create an appropriate request, and enter 
the appropriate amount. The program will automatically match
you with an MMM participant whom you need to transfer funds
to. Send money to the specified bank details and attach 
a confirmation screenshot.

To get help, create an appropriate request, enter your bank details and
the desired amount. Another participant of MMM will transfer money
to your account. Confirm the receipt o
 f funds.
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MAVRO is MMMs
conditional
currency unit
The amount of help provided is displayed in MMMs
conditional currency units Mavros. For example,
if a participant provides help for USD 1,000, Mavro-
USD 1,000 is accrued on their account. Mavro grows
at a monthly rate of 30% and can be exchanged
for real money at any time.A certain percent
is added to your amount in Mavro on a daily basis.
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MMM Bonuses
In addition to providing help at a 30% rate, MMM
participants are entitled to receiving bonuses:

10% REFERRAL BONUS. You are entitled to a 10% referral

1
bonus of the amount of help provided b
 y each participant
you have invited to join the Community.

 ou have a chance to provide for yourself even

Y
without providing help personally. For example:

If you invite 10 people whose average amount 

of help provided is $100, you will get a $100 bonus
(10 10 = 100).

If you invite only 5 people, each of whom provides

help worth on average $1000, the Community will
grant you a $500 b  onus (5 100 = 500).

If you invite 1,000 newbies with the average provided

help of just $100, you will get a $10,000 bonus
(1,000 10 = 10,000).
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MMM Bonuses
GUIDER BONUS. Help others to participate in the
2
Community and become their guider. T  his is similar
to a position of a consulting assistant which has 4 levels
of bonuses. Participants who have finished MMMs
guider school receive Guider status and then they
able to build their own structures.

5% of help provided by the first-line participants.

3% of help provided by the second-line participants.

1% of help provided by the third-line participants.

0.5% of help provided by the fourth-line

participants.

0.3% of help provided by the fifth-line

participants.

And so on.

As a guider, you will help participants understand

how the Community works and explain unclear
things. Since bonuses are multi-level, you can
build a large structure and ensure a high level
of income for yourself.
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MMM Bonuses

3
ADVANCED LEADER BONUS. 
Participants who have finished MMM Guider
School receive an advanced leader bonus f or
their structure.

The bonus rate (from the highest to the lowest

level) is: 7%, 5%, 3%, 1%, 0.5%, 0.3%, 0.1%,
0.05%, 0.03%, 0.01% (all the lower levels also
have a rate of 0.01%) of help provided
by the participants included in your structure.
The number of levels is unlimited.
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MMM Bonuses

4
REGISTRATION BONUS. 
Having provided help for the first time, participants
are granted a $20, $50 or $100 registration bonus,
depending on the amount of help provided.

For $50499 of help provided 

a $20 bonus is granted.

For $5002,999 of help provided, 

a $50 bonus is granted.

For $3,00010,000, 
a $100 bonus is granted.
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MMM Bonuses
BONUS FOR VIDEO TESTIMONIALS. Having received help, The video bonus is calculated at a rate of MAVRO 30%
5
you must send a letter of happiness. If you attach a  video and is frozen for 1 month. If you delete the video during
to your letter, you will be granted a bonus. T  he bonus this month, the bonus will be forfeited. You will receive 
is granted for a video attached t o each letter of happiness. a bonus for each of your videos about getting help.
10% of help you have received will be grantedfor In addition, you can make a video about providing help
a super video. It should be as close as possible and get another bonus: 1% or 0.5% of help provided,
to a professional video: with fine quality and well depending on whether you can be seen in the video.
edited. Make an interesting story where you a  re
the main character.
Talk about how you will spend (have spent) t he money,
which impact the Community ideology h  as had on you,
how the Community has been changing your life,
and invite everyone to join MMM. It is important
that your story should be interesting a nd creative.
The minimum resolution is 640480. T  he minimum
duration is 1 min. 30 sec.
5% of help you have received will be granted,
if the video has your face and voice in it.
Express your emotions from participating in MMM,
and invite everyone else to join the Community!
1% of help you have received will be granted,
if you personally are not shown in the video. You need
to share your MMMs Personal Office in the video
and provide evidence of help you have received
in the form of bank statements from your bank
account or from your Internet banking system.
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MMM Bonuses

6
PROVIDING HELP WITH BITCOIN.
If you provide help using the Bitcoin
cryptocurrency, you are able to get
Mavro-50%. The Mavro-50% are under
the same rules as Mavro-30%.
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How to attract 
new participants
INVITATION USING A REFERRAL LINK.
You can find a referral link in your Personal Office.
Users who click it to register in the Community
become your referrals automatically. Send the link
to your friends or relatives a
 nd on the Internet
to invite people y
 ou dont know (use Facebook,
Twitter, YouTube, etc.)

USER ATTRACTION USING INVITES.

All participants have their own invites
code words within the Community (e. g. Dario).
You can choose it yourself in your Personal
Office. If a newcomer enters your invite
in the relevant box at registration
they become your referrals. Print business
cards, brochures, etc. with your invite
on them and distribute these among
other people.
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MMM School 
learn to attract
new members 
easily
To provide training for participants on inviting
new people to the Community, we have created
MMM School. It is free of charge and available
to everyone.
Here you can find detailed lectures on MMM 
and discover the truth about the financial world.
In the School, you will learn how to work in social
media, on web-sites and forums; how to easily
convey information about MMM and deal with
objections.
If you take your studies with due diligence,
just a month after completing the course
you will attract over 100 new participants.
 MMM ranks
Graduates of MMM School
are assigned ranks within the
Community which are displayed
in Personal Offices as icons.
Your rank grows with
the expansion of your
structure. The bigger 1 000 000 participants and more. 
the structure, the higher Your rank: 1M+ guider.
the rank.
100 000 999 999 participants.
Your rank: 100K+ guider.

10 000 99 999 participants.

Your rank: 10K+ guider.

1+ Markus businessman
1 000 9 000 participants. Accumulated his startup capital 
Your rank: 1K+ guider.
thanks to MMM. He is the manager 
of a TOP consumer services company.
100 999 participants.
Your rank: 100+ guider.
10+ Julia founder of a charity fund
Founded a charity fund to help orphans
using money received via the Community.
10 99 participants. 
Your rank: 10+ guider.
10+ Alejandro Dominguez student
1 9 participants. Received money for his studies via MMM.
Your rank: guider.
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Mobile web-site version Video messages

Offices
and mobile application to participants

CONVENIENCE OF PARTICIPANTS IS PARAMOUNT

Sergey Mavrodi does everything he can to make participation in the Community as simple as possible for everyone.

Recommendations and
Online consultants
instructions for participants
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MMM Rules
MMM makes no distinction among people representing different age and social groups,
occupations, political views, countries, and religions. Heres a list of rules:

Participation is only allowed for people  Help must be provided within 72 hours.
of full legal age. If you havent transferred money in time
you will b
 e banned from the system.

You are not allowed to create multiple

accounts. You cannot refuse to transfer money after
you have created a Provide help request.
If you have a good reason contact
You are not allowed to register the same the support team, and your situation will
details for different people. be dealt with on an individual basis.

A family referral is not allowed to provide

help worth a bigger amount than yours.
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Risks
As everywhere, you may run risks in MMM.
By registering in the Community, you voluntarily agree
to these risks. Unlike banks which g
 o bankrupt quite
regularly, MMM provides n  o guarantees.
We encourage you to participatein the
Community with minor amounts.

Conditions 
of MMMs stability
MMMs stability is ensured by advertising 
and participants activity. If everyone brings at least
one new person to the Community, soon enough
the entire world will come under MMMs auspices.
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MMM and Bitcoin 

CONVENIENCE
Unlike banks, bitcoin transactions may be carried out on a 24/7 basis. 

common interests
You can decide independently when to transfer money.
INSTANT TRANSFERS
Bank transfers take 35 working days on average. Whereas the speed
Bitcoin is an international electronic currency. T
 his is a new kind  f transfers via Bitcoin is a few seconds, and when you are dealing with
o
of money generated from program code. Bitcoin is not owned large sums 1060 minutes.
by the state, companies, or individuals.
PROTECTION AGAINST INFLATION
Thus, Bitcoin became the first decentralized means o  f payment
National currencies depreciate annually by 120% (sometimes more).
in the world. Remittances are carried o
 ut on the peer-to-peer
Bitcoin is backed by a limited number of units (21 million) and protected
basis without intermediaries between the sender
against inflation.
and the recipient.
Cryptocurrency is becoming more and more popular, since people
Advantages of Bitcoin: do not spend money on fees and instantly exchange money. In the future,
the world national currencies will be merged in a single digital Bitcoin
HIGH SAFETY LEVEL currency! MMM and Bitcoin have a similar vision: they strive to overthrow
social inequality, free people from the banks oppression and make 
the world fairer.
No one can block a Bitcoin wallet. Bitcoin does not depend
on central banks, local and international laws, religion, a
 nd
other things. Banks and the government do not control your
bitcoins they are only available to you. The wallet is created
anonymously. Cryptocurrency cannot be faked, and payments
cannot be cancelled.

CHEAP TRANSACTIONS ANYWHERE IN THE WORLD

Transfer fees do not depend on the amount or location. 

They make up less than US$1 (regardless of the amount).
You can transfer money to anyone from anywhere in the world.
 NIGERIA

MMMs Legality
Participation in the Community is legal. MMM
is not a legal entity, but a voluntary association
of people. We do not conduct commercial
activity o
 r provide investment or consulting
services.
Participants exchange their money voluntarily.
At the legislative level, this cannot be
prohibited. MMM has existed for many years.
In most countries, donations are not tax
deductible. If you are a participant from
a country that levies a
 donation tax,
you will have to pay this tax.
We call on the participants to abide
by the laws o
 f their countries of residence.
 NIGERIA
Testimonials
Happy MMM participants post their feedback about the Community daily.
Im a construction worker with a  n average
salary. Given that Ive got three children,
at times, we are short of money.
My cousin Gerard, who has been
participating in the Community for a long
time now, recommended me to join MMM.
Im very grateful to Sergey Mavrodi
for giving me this opportunity to properly
provide for my family.
Fernando Alonso, Spain
Im tired of being paid peanuts when
the rich walk in golden slippers.
I participate in MMM for the sake
of the idea and want to change the world.
Im sure that together we will succeed!
Ismail Ajeko, Uganda
It was my father who advised me to join
MMM, and he, as always, was right. Now
I get a percentage on top of my funds
on a monthly basis which is not offered
by any bank in the world. Im saving
for a car and my own business, and will
soon become well-known to everyone!
Li Juan, China
For a long time, I wanted to go on
a trip around the world, and with MMM
my dream has come true. Many thanks 
to Sergey Mavrodi for giving me
the opportunity to live out my dreams!
Amala Padukon, India
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and Charity
We firmly believe that we must help the needy, if possible.
The Community regularly hosts charity events. MMMs
participants distribute food to the starving and clothes 
to the poor; buy computers for schools and orphanages,
finance treatment for those who have been abandoned
by the state.
In MMM, you have a chance to provide for yourself
and your family, and live happily. But think about
those who have no money to provide help, and
those who do not participate in MMM for other
reasons. We are talking about poor families,
children in orphanages, sick people. We are
building a good and just world,
and encourage you to help
others.

Help a poor family to become a part 

of the Community and build a happy life.
Help orphans to give them a start in life,
and give the sick a chance to recover.

Dont forget about the boomerang

effect your good deeds will
be surely rewarded!
NIGERIA

JOIN MMM
Join 200 million happy Community members.
With MMM, you are your own boss, your
schedule is flexible and your income is unlimited.
Choose a bright future.

Become a part of the Community,

get 30% a month and change
the financial system.

Ensure a bright future for the children

and help those in need! Invite your friends,
family and everyone else to join MMM.
Live happily and give others
a chance to change their lives!