Let me try to share some information.

Those people who joined early "Early Bird" definately will get the returns as promised and will break even after 6 months.

I don't know the background of the company. Even they are approved by BNM on the project but that does not mean that the BNM knows what they are doing. Initially the company might propose up the plan and approved by the BNM on the M-Wallet project. The company uses this approval and draws up another strategy plan to run this mlm.

Think about it. If the monthly returns is about 14% and per annum is 168% and this money is payable to the investors as the results of capital contributed for them to run the project.

168% is the cost of capital of the project. In the view point of the company and shareholders, why don't they finance this project by obtaining the loan from banks and pays 10%+ - per annum interest rather than 168%?

Conclusion:

Early birds will earn and see whether you dare to join now and wait for 6 months to breakeven. If everything smooth in these 6 months, then you are safe. Otherwise, say bye bye to your money.