Raf: reviews from real clients of the investment platform
Review of the “Raf.ru” platform – everything you need to know
The crowdinvesting platform Raf, or as it is often called Raf.ru, is actively discussed online today. Many are interested in whether it is worth investing money in it, what kind of platform it is in general. In our review, we will try to uncover this question, present real customer reviews, and draw informed conclusions.
Description of the Raf platform
On the official website of this platform, its creators define it as an investment “autopilot” or, in other words, a crowdinvesting platform.
It is worth noting that the Raf.ru website is professionally done on a high level. Design, content, user-friendly navigation – everything is thought out to the smallest detail. There are many understandable videos where the head of the company “Raf.ru” Evgeny Ivanov skillfully and beautifully explains why it makes sense to entrust him with your funds.
What is the principle of operation of Raf.ru? In 2012, Evgeny registered LLC “Growth Strategy” with an initial capital of only 10,000 rubles. Within this enterprise, several different projects were launched: from a cleaning company to a business portal on franchising.
According to the financial data of LLC “Growth Strategy” over the 9 years of its existence, there is no significant growth and development. In 2020, the profit was about 5 million rubles. Although the exact distribution of profits among projects is unknown, it is already clear that the numbers are not impressive. For example, the most well-known project “Biboss” showed a negative profit in 2020.
The philosophy of the owner of Raf.ru is to offer everyone willing to invest in his projects and “work together.” Convincing that all directions of his business ensure the safety of investments and profitability in the medium and long term. He is so confident in the profitability that he even promises generous bonuses to active investors in the form of private yachts and real estate.
The site “Raf.ru” features videos with the founder, where he talks about the platform. In all enthusiastic reviews and reviews of specialists, such public figures are seen as a guarantee of honesty, although they do not disclose additional information, such as office addresses or contact details, except for the London address of the registered Raf System Ltd.
Registration and licenses at Raf
Why did Ivanov register his subsidiary company in London? This action is often used to move enterprises outside the Russian Federation, with the aim of reducing the tax burden. It is worth noting that the company’s activities are related to advertising and websites. Probably, this is done to avoid the need to obtain a financial regulator license, without which investment activities are prohibited.
In addition, Ivanov provides financial services to the population without the required permission. Without a license from the Central Bank of the Russian Federation, such actions are illegal, but “Raf.ru” does not pay due attention to this issue.
The company is not included in the register of investment platform operators published on the Central Bank’s website. All this indicates a complete lack of investor protection from the state.
Earning Tools on Raf
Anyone willing to invest can choose one of two options. The first is popular short-term contracts.
Interesting point: 10% of the income is automatically credited to an educational account, the funds from which can only be used to pay for courses and study materials at the “Raf.ru” university. These funds cannot be spent otherwise. Thus, 10% of your income goes straight into the pockets of scammers.
Another tool is the purchase of product contracts. You can buy a business or a franchise, but the minimum entry amount is $15,000, making this offer inaccessible to many potential investors.
The income from short-term contracts is surprisingly high: from 17 to 22% per month in dollar equivalent are promised in “Raf.ru”! How can such promises come true in the conditions of prevailing instability in the world and high market volatility? Very simply – by attracting new investors.
Reviews of the platform Online
There is plenty of information about “Raf.ru”: reviews, feedback, comments, and detailed analyses. It can be divided into commendatory and objective. Even a quick review of any “expert” article will reveal its bias. Reviews from actual investors are more realistic.
In these reviews, people try to convey the truth about “Raf.ru,” but due to the aggressive marketing campaign, their voices are hard to hear. Positive reviews and videos with comments like “Invested 1000, already withdrew the first funds, author – well done!” dominate the search results. When evaluating information, it is important to filter and trust verified sources.
Founders’ Earning Scheme at Raf
Since “Raf.ru” represents a classic financial pyramid, the scam scheme is simple but effective. The use of network marketing principles helps organizers avoid searching for clients personally. It is enough to gather an initial group of investors, promising generous rewards for attracting new clients, and you can calmly watch your wealth grow. At the initial stage, promised rewards will have to be paid out, but this will only attract new “investors.”
Raf Platform – Honest Business or Trap?
In conclusion: “Raf.ru” is a company registered in London as a private enterprise, without licenses from financial regulators. The investment objects are projects of the organizer, bringing insignificant profits or losses (“Biboss”). An aggressive marketing campaign with purchased reviews has been launched to popularize the network. Considering all of the above, we do not recommend investing in Raf.ru and recommend staying away from such projects.