Can you actually make money with Midas?
No. Not as a promotion, and the reason has nothing to do with the commission. The founder was a top US earner in OneCoin, which US federal prosecutors described in court as a $4 billion Ponzi, and BehindMLM describes him as a convicted felon, citing prior published reporting. Five prior ventures sit behind him and all five collapsed. His name does not appear on his own homepage except through a footer link, at a company whose $2,500 tier sells founder access.
The payout is the strongest number in this report and pretending otherwise would be dishonest. 75% of subscription revenue goes to the field against an industry standard of 20% to 30%, and a single OLYMPUS sale carries a $1,875 recurring commission. Tier 1 at $50 a month is defensibly priced. There is a real third-party security audit, CASA Tier 2 validated by TAC Security, which is more than most companies in this category bother to obtain.
The arithmetic underneath is public and it is what decides this. On a $1,000 tier, $750 goes to the field and $20 to $60 buys the actual AI inference, leaving roughly $190 for engineering, support, infrastructure and profit. Every statistic on the homepage reads zero - zero active businesses, zero agents, zero integrations, zero percent uptime - while other pages of the same site claim hundreds of businesses and thousands of affiliates. There is no income disclosure.
One mechanic nobody explains at the webinar. Every third sale passes up to your sponsor. You keep the first two, the third goes up, and it repeats forever - and because your recruits pass up too, the person who benefits most from your work is the person above you. The plan was rewritten effective 1 August 2026, five days after this review.
eight tiers, plus ~$675/yr in annual add-ons
- A named, accountable principal on the homepage rather than behind a footer link, together with primary-record verification of the published allegations about him. At a company selling founder access for $2,500 a month, who the founder is should not be the hardest fact on the site to find.
- One set of prices. The homepage, the pricing page and the feature table on that same pricing page currently give three different figures, and two tiers do not appear on the pricing page at all while being actively sold.
- Homepage counters that report something. Zero active businesses, zero agents, zero integrations and zero percent uptime is either a broken widget or a true reading, and a prospect has no way to tell which.
- A published income disclosure, and a payout the product margin can carry. At 75% to the field there is about 19% left for engineering, support and infrastructure, which is the arithmetic that decides what the platform can ever become.
That call is computed, not chosen - the rule reads three of the nine published dimension scores and is printed on the methodology page. It describes this company's plan and the figures it publishes about the people already in it. It is not a prediction about you, and nothing on this site is advice.
Legal status
HIGH RISK - no separation between retail customers and promoters, which is the structure FTC v. Vemma was decided on.
Confidence: Medium
Primary sources fetched directly where possible. Everything we could not verify is listed at the bottom of this page by name.
Follow the money
A single-login "AI Co-CEO" platform sold across eight subscription tiers from $50 to $2,500 per month, wrapped in a network-marketing distribution engine that pays 75% of subscription revenue as recurring commission through a reverse 2-up pass-up structure.
The underlying market problem is real. Small businesses genuinely run six to twelve disconnected software tools, each with its own login, learning curve and monthly bill, and almost nobody wires them together. One login, one bill, guided onboarding and a persistent business profile has genuine value for an operator who will never learn n8n, Make or Zapier. Tier 1 at $50/month is defensibly priced against the alternative.
Above Tier 3, the value proposition breaks down completely. Per Midas's own marketing video, the platform is built on OpenClaw - a free, MIT-licensed, open-source AI agent framework that crossed 250,000 GitHub stars within sixty days of its January 2026 rebrand. The "Supra™," "ODSS™" and "World's First On-Demand Software System" branding sits on top of a free open-source substrate plus commodity third-party APIs.
And the buyer is not who the marketing says it is. The pitch targets "the 85% Silicon Valley left behind." The site's three primary calls to action are "launch your employeeless enterprise," "get certified, become the AI expert everyone calls," and "launch your global AI agency." The realistic buyer is a person who wants to sell this.
Where $1,000/month (CITADEL, Tier 6) goes
Run the arithmetic and the product-development budget appears
| Product | Price | Pays |
|---|---|---|
| Tier 1 - PULSE Comms, inbox, calendar. 150K tokens. The one tier that is honestly priced. |
$50 /mo |
$37.50 |
| Tier 2 - AMPLIFY Content, blog, social. 200K tokens. |
$100 /mo |
$75.00 |
| Tier 3 - AUTOPILOT Auto-post, RAG, video. 500K tokens. Buy nothing above this line. |
$150 /mo |
$112.50 |
| Tier 4 - PIPELINE CRM, ads, landing pages. 1.5M tokens. DIY equivalent ~$117/mo. |
$300 /mo |
$225.00 |
| Tier 6 - CITADEL Support desk, finance, legal. 6M tokens. DIY equivalent ~$225/mo. |
$1,000 /mo |
$750.00 |
| Tier 8 - OLYMPUS The Oracle, founder access. Token allowance not published. Does not appear on the pricing page at all. |
$2,500 /mo |
$1,875.00 |
| Add-ons Hosting $100/yr, custom domain email $100/yr, M² extra seat $50/mo, annual renewal fee $100/yr on top of the subscription. Token overage pricing undisclosed. |
~$675 /yr |
— |
Who runs it, and what they ran before
Name appears nowhere on the homepage except via a footer link. MLM claim to fame is being a top US earner in OneCoin - described by US federal prosecutors in court as a $4 billion Ponzi. Then CoinMD (collapsed March 2019), CMDX (collapsed faster), DataBank (site disabled, DBME token at effectively zero as of June 2026). BehindMLM describes him as a convicted felon, citing prior published reporting.
A testimonial on the site from someone sharing the founder's surname. Not arm's length.
Registered address
1712 Pioneer Ave. Ste. 500, Cheyenne, WY
A virtual office provider address. Three privately registered domains, canonical tags pointing to a different domain than the one being marketed.
The veteran's checklist
Eight questions that decide whether this is a business or a transfer mechanism. Same eight, every review.
| Question | Answer |
|---|---|
| Who legally owns it? |
RED
Buji Development Corporation. Thomas McMurrain, findable only via a footer link.
|
| Where is it incorporated? |
CONCERN
Cheyenne, WY - at a virtual office provider address.
|
| Regulatory action, ever? |
RED
None against Midas itself - the company is weeks old. The founder's history is the finding.
|
| Published income disclosure? |
RED
None. No track record. Every homepage statistic displays zero.
|
| Customers to break even? |
WATCH
Two - genuinely low. And every third sale passes up to your sponsor.
|
| Do I own the list? |
WATCH
30-day cookie with lifetime attribution - better than most. The company owns the billing relationship.
|
| Can they change the plan? |
RED
They already have. New comp plan effective August 1, 2026, five days after this review.
|
| Merchant play or miner play? |
RED
Miners in merchant clothing. A real tool whose primary market is people who want to sell the tool.
|
What has to be true for you to get paid
| To cover | You need |
|---|---|
| Cover a $150/mo Tier 3 subscription | 2 Tier 1 referrals retained $37.50 each |
| Cover Tier 6 at $1,000/mo | 2 Tier 6 referrals - or 27 Tier 1s and every 3rd sale passes up |
| Effect of the pass-up | 1 in 3 sales earns you nothing tracked per tier, not per person |
| After August 1, 2026 | Every 3rd sale splits 67/33 to sponsor a payout cut, announced with a deadline |
Read this twice
The pass-up is the mechanic nobody explains at the webinar. You keep referrals #1 and #2; #3 passes up to your sponsor. You keep #4 and #5; #6 passes up. Forever. And because your recruits also pass up, the person who benefits most from your work is the person above you.
Run your own numbers
Drag the sliders. Nothing here is stored or sent.
75% of $150/mo (AUTOPILOT). Every third sale passes up to your sponsor - the slider counts sales you keep. Your own subscription cost of $150/mo is included.
What it costs to replace this yourself
A stack that beats CITADEL (Tier 6, $1,000/month), assembled from tools you can start tonight.
| What they sell you | What you'd use instead | Your cost |
|---|---|---|
| Midas Chat, The Oracle, AI agents | Claude Max + Claude Code / Cowork | $100–200/mo |
| Always-on agent, heartbeat, unified inbox | OpenClaw self-hosted + API keys | $0 + ~$30 |
| Email, calendar, custom-domain email | Google Workspace | $14/mo |
| CRM + task manager | HubSpot Free or Zoho CRM | $0–20/mo |
| Content engine + social auto-posting | Publer or Metricool | $12–18/mo |
| Landing pages, hosting, custom domain | Cloudflare Pages / Carrd / Ghost | $0–10/mo |
| Meeting transcription | Fathom free tier - which Midas resells as a feature | $0 |
| AI support desk + website widget | Chatwoot self-hosted or Tidio free | $0–25/mo |
| Invoicing, AR/AP, bookkeeping | Wave or Stripe Invoicing | $0 |
| ODSS app builder | Claude artifacts + Vercel or Cloudflare | $0 |
| MidasVoice / MidaSMS | OpenPhone or Twilio pay-as-you-go | $19/mo |
| Glue and workflow automation | n8n self-hosted | $0 |
| Total as sold $12,000/yr (CITADEL) |
Total, built yourself ~$2,100–4,200/yr |
Price-to-value
Saves ~$9,300/yr against Tier 6 and ~$26,000/yr against Tier 8 - with no token ceiling, no vendor lock-in, no undisclosed overage markup, no counterparty risk, and no exposure to a compensation plan you do not control.
Three operators, five horizons
Probability of cumulative net profit
Hover any point for median, top decile and bottom quartile.
Part-timer
10 hrs/wk, no ads, warm market
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 18% | −$450 |
| 6 mo | 22% | −$900 |
| 1 yr | 25% | −$1,400 |
| 3 yr | 12% | −$3,000 |
| 5 yr | 8% | −$3,600 |
Full-timer
40 hrs/wk, $1,000/mo ads, from zero
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 6% | −$3,600 |
| 6 mo | 12% | −$6,200 |
| 1 yr | 18% | −$8,000 |
| 3 yr | 14% | −$14,000 |
| 5 yr | 10% | −$19,000 |
Established operator
~25,000 engaged list, working funnel
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 62% | +$9,000 |
| 6 mo | 58% | +$16,000 |
| 1 yr | 44% | +$12,000 |
| 3 yr | 20% | −$18,000 |
| 5 yr | 14% | −$40,000 |
Methodology note. MODELED. The three-month numbers for an established operator are the best in this entire review - a $1,875 recurring commission on a single OLYMPUS sale is real money and there is no honest way to pretend otherwise. Every horizon after that is dominated by counterparty risk: five prior ventures, all collapsed, and a comp plan being rewritten before the company has completed a full year.
Where you are actually allowed to promote this
Platform policy reads, not verifications. Check every one before you spend a dollar - enforcement changes faster than the written policy does.
Red flags and green flags
Red flags
151The founder was a top US earner in OneCoin
2Five prior ventures, all collapsed
3The founder's name appears nowhere on the homepage
4No separation between retail customers and promoters
575% payout cannot fund product development
6Deadline stacking on both sides of the same date
7Three contradictory price sets on one website
8Every homepage statistic reads zero
9Trademark theater over free open source
10The trial contradicts itself
11A chargeback reserve written in before there is a track record
12Roadmap sold as product
13A testimonial from "Davis McMurrain, AI Guru"
14Reselling free third-party tiers as platform features
15Three privately registered domains, newest May 30, 2026
Green flags
71The market gap is real and the positioning is genuinely sharp
2Tier 1 at $50/month is honestly priced
3A real third-party security audit
4Correct legal disclaimers and no purchase required to join as an affiliate
5No contract and cancel-anytime on Tier 1
6Professional lead-generation infrastructure
7No token, no staking, no passive-return component
We would like to be wrong about this
Upward
- Full, primary-record verification that the published allegations about the founder are inaccurate.
- Creation of a genuine retail customer class distinct from promoters, with published retail-vs-participant revenue.
- A payout structure the product margin can actually fund - and homepage statistics that are not all zero.
Downward
- Any FTC, SEC or state action, or a BehindMLM follow-up documenting participant losses.
- Introduction of any token, staking or passive-return component.
- Confirmation that Tiers 7 and 8 remain unpriced and unlisted while being actively sold.
Grade is F. The payout is the strongest number in this report. The counterparty is the weakest.
Midas looks like a merchant play - selling tools rather than opportunity - but the tool's primary market is people who want to sell the tool. Every one of the three primary calls to action on the site is about becoming a seller, not about running your business better. That is miners in merchant clothing, and it is precisely the trap the merchant-versus-miner test exists to catch.
A $225 to $1,875 recurring commission is real money and there is no point pretending otherwise. But the published record on the founder is what you would be attaching your name to, and a reputation built over decades costs more than a commission check. When the trade is "meaningful recurring revenue" against "the credibility that made your list worth having," it is not a close call.
The honest version of this business is sitting right there in the replacement-stack table. If the goal is an AI-consultant income stream, sell the DIY stack directly. You keep 100% of it, you own the client relationship, the deliverable is genuinely better than what Midas ships, and nobody can rewrite your compensation plan on the first of the month.
Sell the DIY stack as a service
~$2,500 setup and configuration plus a $500/month management retainer. You keep 100%, you own the client, and the deliverable outperforms CITADEL at a fifth of the cost.
Productise the OpenClaw build
A documented, supported, self-hosted agent install is the actual product Midas is wrapping. Sell it as a one-time build with a support plan.
"What your AI subscription actually costs" as content
The replacement-stack table on this page is the whole content strategy. It ranks, it converts, it is advertisable, and it makes you the adult in a room full of hype.
Sell traffic to the field
They have a professionally built funnel, an exceptional commission, and no traffic. Affiliates paying $50–$2,500 a month to stay commission-eligible will buy leads long before they will quit. That is a merchant business against a miner’s problem.
Nine dimensions, weighted
Dimension profile
Further from center is better. Hover any point.
Hard caps that bind here
The lowest binding cap wins, regardless of the weighted arithmetic.
What we read
Every source below links to the document itself. Tier 1 is a primary record - the company’s own plan, policy or disclosure, a court filing, a regulator’s decision or an SEC filing. Tier 2 is a self-regulatory or secondary regulator record, tier 3 reporting or academic work, tier 4 an open-market price comparison. Where a document can be moved or withdrawn, an archived copy is linked beside it. If a link is dead when you try it, that is a correction we want.
- Midas homepage - "employeeless enterprise," ten AI agents, and the zero-valued active-business counters (Buji Development Corporation)
midas.ceo - home, pricing, earn, /lp/ebook/gil-ortega
- Midas pricing page - eight tiers from PULSE at $50/month to OLYMPUS at $2,500/month, with per-tier monthly token allowances
- Midas "Earn" page - 75% recurring commission on every tier, up to $1,875/month per OLYMPUS sale, and the 1-2-pass-up "Shared Income Accelerator" structure
- Midas lead-magnet landing page - "The 9th Disruption" by Gil Ortega, carrying the "Earn up to $1,875 per sale in recurring monthly commissions" claim
- Midas "About" page - Buji Development Corporation, 1712 Pioneer Ave. Ste. 500, Cheyenne WY; founder Thomas McMurrain; the CASA Tier 2 / TAC Security claim
- "Midas Review: Tom McMurrain discovers AI agents" - BehindMLM, 26 June 2026
behindmlm.com - Midas review, June 26, 2026 - Domain WHOIS - three privately registered domains, newest May 30, 2026
Not established by this document: WHOIS records for privacy-protected domains have no stable, citable public URL - registrar lookup interfaces are query-driven and return no permanent document - so the registration dates are cited to the review that reports them rather than to a primary registry record.
- OpenClaw - project repository and README (MIT license; built for "Molty" by Peter Steinberger and the community)
OpenClaw technical documentation and independent write-ups (released Nov 2025 as Clawdbot, renamed Moltbot, rebranded OpenClaw Jan 2026; MIT licensed)
Not established by this document: Neither the repository README nor the documentation site records the Clawdbot (November 2025) to Moltbot to OpenClaw (January 2026) rename sequence at a citable URL; that chronology rests on the independent write-ups, none of which resolved to a stable primary page in this pass.
- OpenClaw technical documentation - open source, MIT licensed, developed by the OpenClaw Foundation
- Ruja Ignatova - FBI Ten Most Wanted Fugitives page: OneCoin "is believed to have defrauded victims out of more than $4 billion"
US federal prosecutors' characterisation of OneCoin as a $4 billion Ponzi
Not established by this document: The specific U.S. Attorney's Office (S.D.N.Y.) press release characterising OneCoin as a $4 billion fraud could not be resolved to a working justice.gov URL in this pass; the FBI wanted page carries the same federal $4 billion figure and is used in its place.
- Midas security page - "Audited by TAC Security, an authorized App Defense Alliance CASA assessor… all 73 CASA Tier 2 controls drawn from the OWASP Application Security Verification Standard," audit completed May 2026 (company-reported)
CASA Tier 2 audit by TAC Security (company-reported)
Not established by this document: No independently published CASA Tier 2 certificate, certificate number or assessor-side verification record exists at any public URL: the page itself states the audit summary is available only on request from TAC Security to enterprise-tier subscribers, so the claim cannot be corroborated against a primary document.
What we could not get
- All founder allegations are as published by BehindMLM and must be verified against primary court and regulatory records
- Token overage pricing - not disclosed publicly anywhere
- Tier 7 (VAULT) and Tier 8 (OLYMPUS) token allowances
- Actual active-user count - the homepage statistic reads zero
- Whether the August 1, 2026 comp plan revision took effect as announced
- Company-wide commission payout as a percentage of revenue
Not advice
This is independent analysis for decision-making, not legal, financial or investment advice. Allegations reported by third parties should be verified against primary court and regulatory records before any decision.
Researched by Claude. Reviewed by an editor.
Every report is researched and written by Claude, Anthropic’s AI assistant, from the company’s own plan documents, policies, terms and regulatory file - then reviewed before publication by Rob Fore, who checks the sources and the stage-label on every allegation.
- Nine weighted dimensions, published with their weights
- The editor checks the evidence and cannot change the number - the build rejects any page whose grade does not reconcile to its own arithmetic
- Every affiliate position we hold is disclosed on the report it touches
- No company has paid for a grade, and no report carries an affiliate link
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Midas - frequently asked
QWhat is Midas / Agent Midas?
QIs Midas built on open-source software?
QHow does the Midas compensation plan work?
QWho runs Midas?
Author, editor and publisher
This report was researched and written by Claude, Anthropic’s AI assistant, working from primary documents - Midas’s own compensation plan, its policies and procedures, its terms of service, its income disclosure statement where one exists, and its regulatory and self-regulatory file. It was scored against nine weighted dimensions that are published in full, with their weights, on the methodology page.
Before publication it was reviewed by Rob Fore, who checks every source link, every figure against the document it came from, and every allegation against its stage-label - an investigation is not a finding, a warning letter is not an enforcement action, and a filed claim is not a verdict.
The editor does not set the grade. The published score is the weighted composite of the nine dimension scores, and the build refuses to emit a page where the two disagree by more than 0.06. A grade moves when the evidence moves it and not otherwise.
Rob Fore has marketed online since 1996, wrote Online MLM Marketing (2014), and is CEO of Listech Inc, the Nevada corporation that publishes this site. He holds affiliate positions in companies graded here - including LiveGood, which this site grades D, SendOutCards, which it grades C−, and the Home Business Academy, which it grades B−. Those positions are disclosed on the reports they touch, and changed nothing on this page.
About the author and our conflicts · Contact the editor · Corrections: corrections@opportunitygrade.com
Tell me if this grade changes
Midas is graded F as of July 26, 2026. Grades move when the evidence moves - a new income disclosure, a regulatory action, a rewritten compensation plan. Leave your address and you will get one email if this one does.
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Corrections
Every factual claim on this page is sourced, and the ones we could not stand up are named in the unable to verify list above. If something here is wrong, we want to know, and we would rather hear it from Midas than from a reader.
Write to corrections@opportunitygrade.com. Point at the specific sentence and send the document that contradicts it - a plan document, a filing, an income disclosure, a policy page. We will check it against the primary source, correct the page if it is wrong, and say in the report that it was corrected and when. A grade moves if the evidence moves it.
This address reaches a person, not a form. We do not require a takedown demand, an NDA or a lawyer to accept a correction, and we do not remove a report because a company disputes its conclusion - only because the underlying facts turn out to be wrong.