You should be suspicious of us

Any platform promising “easy money, zero risk, guaranteed returns” is lying to you. We do not say those things. Here is what you can check instead.

What you are probably wondering

Where does the money come from?: Advertisers pay a budget in and it is frozen. Creators submit work, and once it is approved the payout comes out of that frozen budget. New users’ money never pays old users — that is the definition of a Ponzi scheme, and the coverage ratio exists to prove we are not one.
Why do you not charge creators?: We charge advertisers 15%. Creators, transfers and P2P trades pay nothing. Any platform that asks you to pay before you can earn should be closed immediately.
What if you disappear?: Your balance lives in TutuPay, not with us — it is one account shared across 20-plus products in the suite, and you can spend it in any of them without our permission. That is not a promise; it is how the account is structured.
Does earned credit expire?: No — and that is a constant in the code, not a setting anyone can change. Credit that expires is not money, it is a coupon.
What if the other side does not pay in a P2P trade?: The credit is frozen the moment the order is placed, and only moves after the buyer gives the seller a 6-digit release code and the seller enters it. It never auto-releases on a timer — we cannot see your local-currency transfer, so releasing on your behalf would be moving your asset on no evidence.
Does it work in my country?: Earning, spending and transferring work almost everywhere. Cashing out depends on whether a local channel exists — and when it does not, we say so up front instead of letting you find out at the last step.

What we cannot do

We cannot guarantee you will get work — campaigns come from advertisers, not from us.
We cannot guarantee the other side of a P2P trade behaves — what we can do is keep the credit frozen until release, and arbitrate on evidence when something goes wrong.
We cannot cash out everywhere. We do not open registration in sanctioned jurisdictions, and in places with strict capital controls we only enable internal circulation.