SHIFT AI
Working AI software over named third-party models, sold in credits that also buy a share of weekly revenue pools, whose own disclosure puts the median club member at $38.22 credited in 90 days against at least $499 paid, with payouts on hold.
SHIFT AI pays members shares of company revenue ranked mainly by how much they have bought, its founder pitched purchases as a way to “buy money”, and its own disclosure shows three in four club members credited $283.44 or less in 90 days after paying at least $499; payouts are on hold after its payment processor closed its account.
Can you actually make money with SHIFT AI?
No, not on the company’s own numbers. SHIFT’s income disclosure for the 90 days from 25 June to 23 September 2026 counts 2,592 active club members, every one of whom had paid at least the $499 club minimum and held a $99 monthly membership. The median member was credited $38.22. Three in four were credited $283.44 or less. A new Standard Club member’s first 90 days cost $697 ($499, then $99 on day 30 and day 60), so on our arithmetic the median covers 5.5% of it. The average, $1,376.40, is pulled up by a top 1% credited from $22,097.49 and one participant at $397,228.40.
Those are amounts credited, not paid, and nothing is being paid at the moment. The company’s own public help page says payouts are on hold while it moves to a new payment partner, with “no payout date yet”. In late September 2026 Stripe closed SHIFT’s account; the founder read the closure notice on a recorded company update on 26 September, including that funds in the account would be held in reserve for 120 days.
And what drives a member’s share is buying, not selling or using. Commissions are earned on purchases; 25% of revenue goes into weekly club pools in which 70% of a member’s share is ranked on purchase volume; club standing built from cumulative purchases is permanent; and a separate 10% pool rewards the size of a member’s credit balance. To stay eligible at all, a member must buy $99 of credits in every rolling 30 days or forfeit that period’s commissions. The founder pitched it as a way to “buy money”. The company’s own disclosure is the better guide, and it shows most members credited far less than they had paid in.
The $99 Membership buys 20,000 credits a month and earns CoachPay only. The revenue pools open at the $499 Standard Club, sold as “$499 today, then $99/mo (begins in 30 days)” with 100,000 credits to start, so a new Standard Club member’s first 90 days cost $697. The Founder’s Club is $1,000 with the first 30 days of membership waived. Larger club packs were sold on the company’s own pages until at least 15 to 21 September 2026 at $3,000, $13,000, $113,000 and $1,113,000; they are now “By Invite Only” with no price shown. Card purchases are limited to $3,000 and anything larger goes by bank wire. To earn from any stream, a member must buy $99 of credits in each rolling 30 days.
- A published per-action price list for credits. Until the meter is public nobody can say what $99 buys, and the comparison with buying the tools direct, $72.68 a month for one entry plan from each named vendor on our arithmetic, cannot be closed.
- Payouts restarted, through a named payment partner, with a record of what has actually been paid against what was credited.
- A disclosure that also counts $99-only members and people who left, and an explanation of why the population changed between 15 and 23 September 2026.
- Pools that pay on credit usage or on outside customers rather than on cumulative purchases and credit balances. As written, the plan’s own fastest route upward is to buy more.
- One consistent operating entity. The Terms say a Wyoming LLC; the trademark applications say a Texas LLC; the September presentation says “Headquartered in Texas”.
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
UNREGISTERED PASSIVE-RETURN FEATURES; NO REGULATOR ACTION LOCATED. No regulator action naming SHIFT AI, SHIFT Capital or its founder was located as of 7 October 2026, and no regulator, court or self-regulatory body has acted against the company. The Texas State Securities Board site search and the UK FCA warning list returned nothing on the subject; six regulator sites (SEC enforcement pages, CFTC, Canada CSA, Australia ASIC, New Zealand FMA and Philippines SEC) could not be searched directly and are listed as unverified. None of SHIFT’s tiers is registered as a security, and an EDGAR search shows no filing by SHIFT Capital, LLC or SHIFTai. Its pools pay shares of company revenue by size of cumulative purchase and credit balance, and its founder pitches purchases as a way to “buy money”. Those are the features U.S. regulators examine under the Howey test; that is a structural assessment by this site, not a finding by anyone. The company’s own documents say its credits are “not a security, a yield instrument, or resellable” and forbid members from describing SHIFT as an investment. An F grade is not a finding of illegality.
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
An AI content suite sold by SHIFT Capital, LLC, trading as SHIFTai, at shiftai.club and suite.shiftai.club. Members buy credits, at “$1 = 200 credits”, to use ten or eleven “studios” (Chat, Image, Video, Voice, Avatar, Translate, Music, Deck, Brand Pack, Prospect and a Concierge) built on models from Anthropic, OpenAI, HeyGen and ElevenLabs, with FLUX and Kling also named on the home page. The same credit purchases fund a rewards plan the company calls EcoPay. The founder and CEO named on the About page is Marty Hale.
What is real goes first. The software exists and names its providers. The company publishes an income disclosure over its whole club population, percentiles included, with plain warnings that the figures “are not profit” and that “A participant may have earned less than they spent.” Its exit terms are real: a 30-day refund of unspent credits with “No reason required”, a closure buyback of 100% within 30 days and 40% after, cancellation in Settings, 90 days to download Vault content and a 30-day arbitration opt-out. Its pay rates are public on its own calculator, “Read live from the engine on page load”, and its Terms forbid income claims and describing SHIFT as an investment. That is more than most programs in this category put in writing.
The plan has several doors. A $99 monthly Membership earns only CoachPay, 20% of each direct connection’s purchase. A $499 Standard Club opens the weekly revenue pools, and higher clubs are set by cumulative purchases from $3,000 (Bronze) to $10,000,000 (Diamond). Until mid-September 2026 the company’s own pages sold packs at $3,000, $13,000, $113,000 and $1,113,000, the larger ones by bank wire. Commissions are earned on purchases, never on usage, and the pools rank members mainly on how much they have bought and how many credits they hold.
The company’s own disclosure for the 90 days to 23 September 2026 puts the median club member at $38.22 credited, after paying at least $499; three in four were credited $283.44 or less. The founder, in recorded presentations, called it “literally impossible” for a club member not to make money and said the leaderboard “gives you the ability to buy money”.
The timeline is short. The domain was registered in October 2025, members joined from about late June 2026, the first real pool distribution was for the week of 26 August, and implied weekly revenue peaked at about $4.89M in the week of 16 September before falling to about $650K to $675K (our arithmetic from the company’s pool data). In late September 2026 Stripe closed SHIFT’s account, and as of 7 October 2026 the company’s help page says payouts are on hold with no payout date.
Where each dollar of a SHIFT credit purchase goes, on the live engine
From the company’s own calculator at suite.shiftai.club/calc, read on 7 October 2026: “Total to the network: 62% of every dollar, against a 70% cap (not binding). Every percentage here is admin-tunable and can change.” ContentPay and CodePay exist but are switched off. The remainder kept by the company is our arithmetic (100% less 62%) and must cover the third-party AI models, the business and any margin; SHIFT publishes no accounts, so how it divides is unknown. On 15 September 2026 the network total was 65%, with CompetePay at 10%.
| Product | Price | Pays |
|---|---|---|
| SHIFT Membership Credits at list price ($99 at $1 = 200 credits is 19,800, shown as 20,000). No per-action price list is published, and the only per-action price on any company page is a 5-credit prompt polish. The 21 September home page advertised “Earn 20% CoachPay” on this card. |
$99 a month monthly; 20,000 credits a month |
CoachPay only: 20% of each direct connection’s purchase |
| Standard Club 100,000 credits to start. A new member’s first 90 days cost $697. To earn from any stream a member must buy $99 of credits in each rolling 30 days, or that period’s commissions are forfeited. |
$499 today, then $99 a month one-time entry; $99 a month from day 30 |
All five EcoPay streams; the cheapest way into the club pools ($499 is the club minimum) |
| Founder’s Club 200,000 credits and “2 Travel Vouchers Valued at $3,600”. On 13 September 2026 the checkout said the vouchers were “distributed July 4th”. A Founder’s Club buyer’s first 90 days cost $1,198. |
$1,000, then $99 a month one-time; first 30 days of membership waived |
EcoPay attribution across five streams |
| Bronze Club pack The 21 September home page: “Bronze Club Members earn an extra 5%, Silver 10%, Gold 15%, and Platinum 20% from EcoPay.” Since removed. $3,000 is also the card limit; anything larger goes by bank wire. |
$3,000 (600,000 credits on the 21 September home page) one-time; club standing is permanent |
Bronze pool (5% of weekly revenue) on top of the Standard pool |
| Silver, Gold and Platinum Club packs Sold on 15 September with “+10%” to “+20%”, “Elevated CreditPay yield weighting” (Silver), and for Platinum a “Private jet itinerary · 2x annually” and “Direct access to the Founder”. The live enterprise application says most applications are approved right away for up to Silver, and that credits unused after six months will be used by the company’s Dev Team. |
$13,000, $113,000 and $1,113,000 on the company’s 15 September enterprise page; now “By Invite Only” with no price shown one-time; “Gold & Platinum settle by wire transfer” |
One more 5% pool per club; live engine thresholds $10,000, $100,000 and $1,000,000 of cumulative purchases, and Diamond at $10,000,000 with a 0% pool |
| Credit purchases Monthly and purchased credits share one balance. Volume accrues on credits bought, by the member and by customers they referred; using credits does not add to it. A larger balance can raise a member’s CreditPay ranking. |
$50 minimum per purchase, at $1 = 200 credits any time; credits “do not expire” under the Terms |
Counts toward the buyer’s own club volume; pays CoachPay of 20% to the person who referred the buyer |
Who runs it, and what they ran before
The About page names him as founder, lists seven prior founder, chief-executive and senior roles at named companies, and says he “has been the helm of 3 Companies that do over $1 Billion per year in revenue.” Apart from a Texas franchise-tax record listing him as an officer of Blue Moon Solutions, Inc., none of the career claims on the About page could be confirmed in public primary records; no company is named for the $1 billion claim. He is the speaker in the recorded presentations quoted in this report. Those recordings were uploaded to YouTube by promoters, not by a channel the company’s site links to, but he introduces himself on them and the words quoted are his.
The Terms and the Privacy Policy name SHIFT Capital, LLC, a Wyoming limited liability company, as the counterparty. The company’s own documents have given three home states in four months: California law in the June 2026 Terms, Wyoming in the current Terms, and Texas in the September presentation. The trademark applicant on four filings of 8 September 2026 is described as a Texas LLC in Lubbock, and no Texas entity of that name appears in Comptroller records. Either the applications misstate the entity’s state or a second entity exists; this report could not establish which. The Wyoming record itself (formation date, organizer, officers) was not retrieved.
No other officer, director or board is named in any company document, and no accounts, audited or otherwise, are published. Every pay rate on the company’s calculator is, in its own words, “admin-tunable and can change”: the network share was 65% on 15 September 2026 and 62% on 7 October, CompetePay moved from 10% to 7%, and the company’s refund policy, its September presentation and its founder give three further figures (“up to 60%”, “up to 50%” and 50%). In late September 2026 Stripe closed SHIFT’s account; the founder read the closure notice on a recorded company update on 26 September. Purchases now go by bank wire, and the public help page says payouts are on hold with no payout date.
Registered address
Not settled by the company’s own documents: a Casper, Wyoming registered-agent address in the Terms; “Headquartered in Texas” in the September presentation; a Lubbock, Texas applicant on the trademark filings
The current Terms name SHIFT Capital, LLC, a Wyoming LLC at 5830 E. 2nd St., Ste. 7000, Casper, a registered-agent suite many unrelated entities use, with AAA arbitration in Natrona County, Wyoming. The first Terms, effective 27 June 2026, put governing law in California with JAMS arbitration in San Francisco. A SHIFT presentation dated September 2026 says “Headquartered in Texas”. Four USPTO applications filed on 8 September 2026 (SHIFT, SHIFTAI and SHIFT AI; intent to use, not yet assigned to an examiner) name “Shift Capital LLC” as a Texas LLC in Lubbock, and no Texas entity of that name appears in Texas Comptroller records. The Wyoming state record could not be retrieved because the state search sits behind a CAPTCHA; OpenCorporates mirrors an active Wyoming LLC, filing 2025-001808191, with its formation date and officers behind a login. No accounts of any kind are published. The storefront at shiftai.club runs on Shopify, and its product feed also lists a $599 “Ambassador Pack” and two nutrition products created in April 2026; the AI memberships are not sold as Shopify products.
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? |
CONCERN
SHIFT Capital, LLC, a Wyoming LLC according to the Terms, though the trademark applications describe a Texas LLC and the September presentation says it is headquartered in Texas; one named executive and no published accounts.
|
| What does it really cost? |
CONCERN
$99 a month for the Membership; $499 and then $99 every 30 days for the club pools ($697 for a new member’s first 90 days); packs up to $1,113,000 were sold until mid-September.
|
| Published income disclosure? |
WATCH
Yes, with percentiles over all 2,592 active club members: median $38.22 credited in 90 days. Club members only, credited not paid, and the population changed in eight days.
|
| Regulatory or legal action against the company, ever? |
WATCH
None located as of 7 October 2026. Six regulator sites could not be searched directly. Stripe closed the company’s account in late September 2026.
|
| Does the plan pay for recruiting? |
CONCERN
Not for enrollment as such (“No payment is made for bringing anyone into the program itself”), but CoachPay pays 20% of each direct connection’s purchases, and the pools pay on purchase volume, including your own.
|
| Can you get your money back? |
OK
Unspent credits within 30 days, no reason required; a closure buyback of 100% within 30 days and 40% after. Spent credits and the current month are not refundable.
|
| What happens if you leave? |
WATCH
Cancel any time in Settings and download your content within 90 days. Earnings credited but unpaid depend on payouts restarting, for which there is no date.
|
| Merchant play or miner play? |
RED
Miner. What a club position buys beyond credits at list price is pool position ranked by purchases; the software it resells is available direct for less.
|
What has to be true for you to get paid
| To cover | You need |
|---|---|
| Cover a new Standard Club member’s first 90 days from earnings | $697 credited, and actually paid $499 on day 0, then $99 on day 30 and day 60 = $697. In the company’s 90-day disclosure the median was credited $38.22, which is 5.5% of $697 (our arithmetic), and the 75th percentile $283.44, so at least three in four counted members were credited less than this. Payouts are on hold. |
| Recover the $499 club minimum alone | $499 credited The median, $38.22, is 7.7% of $499 (our arithmetic). Three in four were credited $283.44 or less over the 90 days. Every member counted had paid at least $499. |
| Stay eligible to earn at all | $99 of credits bought in every rolling 30 days Under the Club Member Agreement, commissions on purchases made while the requirement is not met are not credited: “That money is not held for you and is not paid to you later.” The 25th percentile of the 90-day disclosure was credited $19.47, against $99 every 30 days after the first month. |
| Recover a $3,000 Bronze pack | $3,000 credited: a result above the 75th percentile Over the 90 days the 75th percentile was $283.44 and the 99th $22,097.49, so $3,000 sits somewhere in the top quarter of counted members, and the disclosure does not say how many reached it. Spent credits are not refundable, and the closure buyback after 30 days is 40% of the price paid. |
Read this twice
All four use the company’s own 90-day income disclosure (25 June to 23 September 2026, 2,592 active club members) and its published prices. The disclosure reports gross earnings credited, not amounts paid, and does not subtract what a member spent; payouts are on hold with no date, so every “credited” figure above may differ from cash received. Nothing is published for $99-only members or for any period longer than 90 days. These are arithmetic floors, not forecasts: they show what has to happen to cover a cost, not how likely it is.
Run your own numbers
Drag the sliders. Nothing here is stored or sent.
Modeled on CoachPay only, the one stream that is a plain commission: 20% of each direct connection’s purchase under the live engine rates, so a connected member who buys the $99 monthly plan is worth $19.80 a month to you (our arithmetic). The cost line is $99 a month because the Club Member Agreement requires $99 of credits purchased in every rolling 30 days, or commissions in that period are not credited and are not paid later. ClubPay, CreditPay and CompetePay are left out: they are weekly pools of company revenue split by purchase volume, credit balance and rank, and no honest per-person figure can be built from them. Every amount here is credited, not paid: on 7 October 2026 the company’s help page said payouts were on hold with no payout date. Your own subscription cost of $99/mo is included.
What it costs to replace this yourself
Direct prices on 7 October 2026 from each vendor’s own pricing page, against SHIFT’s $99 Membership. SHIFT does not publish what a chat turn, image, voice minute or video second costs in credits, so this compares plans, not actions, and it cannot test output quality. Translate, Music, Deck, Brand Pack and Prospect are not priced here. FLUX and Kling API prices are developer products. None of these vendors is graded on this site.
| What they sell you | What you'd use instead | Your cost |
|---|---|---|
| Chat studio (OpenAI models; versions not named) | ChatGPT Plus | $20 a month with its own allowance; ChatGPT Free is $0 |
| Chat studio (Anthropic models; versions not named) | Claude Pro | $20 a month billed monthly |
| Avatar studio (HeyGen named in the Terms) | HeyGen Creator | $29 a month; HeyGen Free is $0 for 3 videos a month |
| Voice studio (ElevenLabs named in the Terms) | ElevenLabs Starter | $6 a month; ElevenLabs Free is $0 |
| Video studio (Kling named on the home page) | Kling Standard | $8.80 a month after a $6.99 first month |
| Image studio (FLUX named on the home page) | FLUX image API from Black Forest Labs, pay as you go | $0.03 to $0.048 an image; 185 images at $0.048 is $8.88 |
| A credit price list before paying (“Publishing soon”) | Free tiers from ChatGPT, HeyGen and ElevenLabs | $0 to try before paying; SHIFT has no free trial |
| Total as sold $99 a month for one shared 20,000-credit balance, with no published per-action prices |
Total, built yourself $72.68 a month for one entry plan from each named vendor, or $92.68 with Claude Pro added (our arithmetic), each plan with its own allowance |
Price-to-value
Even with both chat plans, buying the named tools direct comes in under $99, and each plan’s allowance stands alone, where a SHIFT member who spends the shared balance on chat has nothing left for images. The fair caveats are real: one login and one balance are convenient, some direct tools need a developer account, and nobody can test SHIFT’s output quality without paying. But the comparison cannot be finished, because the company has not published the meter, and that is the point: a buyer cannot check what $99 buys before paying. The club packs add nothing to this side of the ledger; what they buy beyond credits at list price is pool position.
Three operators, five horizons
Probability of cumulative net profit
Hover any point for median, top decile and bottom quartile.
The $99 member who joins for CoachPay
buys the $99 Membership, uses some credits, may refer one person for CoachPay and never joins a club. Cash paid in against commissions received, with the credits given no cash value. $99-only members are excluded from the company’s disclosure, so this is modeled from the plan rules, not a company case study
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 2% | -$297 |
| 6 mo | 2% | -$594 |
| 1 yr | 3% | -$1,188 |
| 3 yr | 3% | -$3,564 |
| 5 yr | 3% | -$5,940 |
The Standard Club member who takes the founder at his word
pays $499, keeps the $99 a month, does not recruit and draws only from the pools, as the founder said a club member could (“You don’t have to recruit nobody”). Modeled from the company’s 90-day disclosure and published prices, not a company case study
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 10% | -$659 |
| 6 mo | 8% | -$920 |
| 1 yr | 6% | -$1,430 |
| 3 yr | 4% | -$3,500 |
| 5 yr | 3% | -$5,600 |
The pack buyer chasing pool weight
buys a $3,000 Bronze pack for permanent standing in two pools, keeps the $99 a month, holds a large credit balance for CreditPay and recruits actively for CoachPay. Modeled from the disclosure’s upper percentiles and published prices, not a company case study
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 8% | -$2,900 |
| 6 mo | 10% | -$3,000 |
| 1 yr | 12% | -$3,200 |
| 3 yr | 10% | -$4,500 |
| 5 yr | 8% | -$6,000 |
Methodology note. These are modeled illustrative outcome ranges, not claims, not forecasts for any reader and not a company case study. They count cash paid in against earnings received and give the credits no cash value, so a member who uses the credits as software is better off than the rows show by whatever those credits are worth to them. The only published anchor is the company’s 90-day disclosure for 2,592 active club members (25th percentile $19.47, median $38.22, 75th percentile $283.44, 71 at $0), which covers club members only and reports amounts credited, not paid; nothing is published for $99-only members, for people who left or for any period longer than 90 days. Costs follow the published prices: $99 a month; $499 and then $99 a month from day 30; and a $3,000 Bronze pack modeled with the same $99 a month from day 30. Every later horizon is our arithmetic and modeling. The “p” value is a modeled chance of being net positive on cash at that point; it is not a published figure, and it assumes payouts restart, which as of 7 October 2026 they had not.
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
151Commissions on purchases, never on usage
2Pools ranked by how much you have bought
3A pool that rewards holding credits
4The founder pitched purchases as a return
5“Impossible” not to make money, against 71 members at $0
6A median of $38.22 after at least $499 paid
7Credited, not paid, and payouts are on hold
8Payment processor closed the account
9Implied weekly revenue fell from about $4.89M to about $650K
10The disclosure’s population changed in eight days
11Every rate is admin-tunable
12Packs to $1,113,000 by wire
13Three home states in four months
14No price list, no trial
15Credits that “do not expire”, unless you bought a big pack
Green flags
81Working software on named models
2A published income disclosure over everyone in its group
3A 30-day refund of unspent credits
4A closure buyback
5Easy exit and a fairer arbitration clause
6Rates published live
7Written bans on income and investment claims
8The worst home-page lines were removed
We would like to be wrong about this
Upward
- Payouts restarted through a named payment partner, with a published record of amounts actually paid against amounts credited.
- A published per-action credit price list and a free trial or demo, so a buyer can check what $99 buys before paying.
- Pools re-based on credit usage or on verified outside customers instead of cumulative purchases and credit balances, with a disclosure that also counts $99-only members and leavers and explains the change of population between 15 and 23 September 2026.
Downward
- A regulator or court action naming SHIFT, SHIFT Capital or its founder, at whatever stage it is.
- Payouts not restarting, credited earnings reversed or reduced, or the network share cut further under the company’s admin-tunable rates.
- Implied weekly revenue staying at or below its late-September level, shrinking the pools every member’s draw depends on, or new club packs sold at higher prices.
Grade is F. Working AI software wrapped in a rewards plan that pays shares of revenue by how much members buy, pitched by its founder as a way to “buy money”, with the median club member credited $38.22 in 90 days after paying at least $499, and payouts on hold.
What is good here is real and should be said plainly. The software exists, names its model providers and does what an AI suite does. The company publishes more than most programs in this category: an income disclosure with percentiles over its whole club population and honest warnings, its pay rates live on its own calculator, written bans on income and investment claims, a 30-day refund of unspent credits and a closure buyback. It also took the Bitcoin comparison and the pack prices off its pages.
The trouble is what the plan pays for and what members get. Commissions are earned on purchases, never on usage; the pools are ranked mainly by how much a member has bought and holds, standing from cumulative purchases is permanent, and a member must keep buying $99 of credits every 30 days to earn at all. The founder pitched that as a way to “buy money” and called losing money “impossible”, while the company’s own disclosure puts the median club member at $38.22 credited in 90 days after paying at least $499. Those amounts are credited, not paid, and payouts are on hold after Stripe closed the account.
The company-level picture is thin: one named executive, three home states in four months, no accounts, rates the company can change at will, implied weekly revenue down from about $4.89M to about $650K to $675K in two weeks (our arithmetic), and no price list for the product itself. No regulator action was located, and this report makes no legal finding. The nine numbers land at F without any cap.
Buy the tools direct
One entry plan from each named vendor costs $72.68 a month, or $92.68 with Claude Pro (our arithmetic), each with its own allowance, and ChatGPT, HeyGen and ElevenLabs let you try a $0 tier first.
If you want SHIFT for the software, wait for the price list
Take only the $99 Membership, and only once the company publishes what each generation costs in credits. Until then you cannot compare it with anything.
Do not buy a club pack to earn
Read the company’s own disclosure before anything else: a median of $38.22 credited over 90 days, three in four at $283.44 or less, every one of them having paid at least $499, and payouts on hold.
If you are already in, use the windows
Unspent credits are refundable within 30 days of purchase, and a closure buyback pays 100% within 30 days and 40% after. Keep a record of what has been credited to you against what has actually been paid.
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.
- Income Disclosure Statement, trailing 90 days 25 June to 23 September 2026
Archived as docs/archive/shift-ai/2026-09-23-shift-ai-income-disclosure.html (.txt). Population “2,592 active club members” (active $99 membership and the $499 club minimum reached); 25th percentile $19.47, median $38.22, 75th $283.44, 99th $22,097.49, mean $1,376.40, highest $397,228.40; 71 (2.7%) at $0; “gross earnings credited”; “They are not profit”; “A participant may have earned less than they spent.”; percentiles “over the full population, not over earners only”; exclusions ($99-only members, suspended or lapsed accounts, refunded transactions).
Not established by this document: Reports amounts credited, not paid; excludes $99-only members and leavers; covers 90 days only.
- Terms of Service (effective 21 September 2026, reworded 30 September)
Archived as docs/archive/shift-ai/2026-09-30-shift-ai-terms-of-service.html (.txt), with the 7 October capture docs/archive/shift-ai/2026-10-07-shiftai-terms-of-service.html. Wyoming LLC and Casper address; s.3 credits “do not expire”, $50 minimum, $3,000 card limit, cancel in Settings; s.4 providers “Anthropic, OpenAI, HeyGen, and ElevenLabs”; s.6 90 days to download Vault content; s.9 “Commissions are earned on purchases, never on usage”, “A member on the $99 Membership alone earns CoachPay only”, pools “paid from company revenue, not commissions on any purchase”, “A larger credit balance can therefore raise your CreditPay ranking”; s.10 “Standing is cumulative and permanent: volume does not decay, expire, or reset”; s.12 bans on income claims and investment framing; s.20 AAA arbitration in Natrona County with a 30-day opt-out.
- Club Member Agreement v1.0 (25 September 2026, reworded 30 September)
Archived as docs/archive/shift-ai/2026-09-30-shift-ai-club-member-agreement.html (.txt). s.3.5 “No payment is made for bringing anyone into the program itself”; s.4 the $99 rolling-30-day purchase requirement, “That money is not held for you and is not paid to you later”; s.6 Tuesday close, Friday payout, $10 minimum carried forward, payout-country hold; s.8.3 income claims permitted if accompanied by the income disclosure.
Not established by this document: Conflicts with Terms s.12 on income claims.
- Refund Policy (effective 21 September 2026, reworded 30 September)
Archived as docs/archive/shift-ai/2026-09-30-shift-ai-refund-policy.html (.txt). 30-day refund of unspent credits, “No reason required”; closure buyback 100% within 30 days and 40% after; current month not refundable; “SHIFTai distributes up to 60% of every credit sale as earnings to the members who generated it.”
- Privacy Policy
Archived as docs/archive/shift-ai/2026-09-21-shift-ai-privacy-policy.html and docs/archive/shift-ai/2026-10-07-shiftai-privacy-policy.html. States that SHIFTai is a trade name of SHIFT Capital, LLC.
- Plans page
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-plans.html (.txt). $99 a month for 20,000 credits; Standard Club “$499 today, then $99/mo (begins in 30 days)” with 100,000 credits; higher clubs “available by invitation only”; “Publishing soon / A credit price list, straight from the meter”; credits “are not a security, a yield instrument, or resellable”; no trial offered.
- The Club (EcoPay) page
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-club-ecopay.html (.txt). The five stream names and the statement that rates “publish with the rewards plan”; Friday payout time.
Not established by this document: Carries no rates; the rates are on the calculator.
- Founder’s Club checkout
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-founder-checkout.html (.txt). $1,000 with the first 30 days of the $99 membership waived; 200,000 credits; “2 Travel Vouchers Valued at $3,600”; members in unsupported countries “won’t be able to withdraw earnings”; crypto checkout United States only.
- About page (founder)
Archived as docs/archive/shift-ai/2026-10-07-shiftai-about-page.html and docs/archive/shift-ai/2026-10-07-shift-ai-about.html. Names Marty Hale as founder and CEO, lists seven prior roles at named companies, and says he “has been the helm of 3 Companies that do over $1 Billion per year in revenue”. Lists no other officer.
Not established by this document: The career claims are the company’s own; apart from one Texas franchise-tax record, none was confirmed in public primary records.
- Home page
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-home.html (.txt). “11 Studios. One Workspace.”; “Powered by” OpenAI, Claude, HeyGen, ElevenLabs, FLUX and Kling; none of the 21 September income lines remain.
- Enterprise application (invitation-only clubs)
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-enterprise.html (.txt). “By Invite Only”; “Most applications are approved right away for up to Silver”; the six-month clause, “will be used by the SHIFT AI Dev Team to create my personal and professional brands. These credits are not an investment and are not purchased to generate revenue.”
Not established by this document: Conflicts with the Terms’ statement that credits do not expire.
- EcoPay Earnings Illustration: live engine rates, thresholds and disclosure widget
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-suite-calc.html (.txt, with the decoded engine data). “Read live from the engine on page load”; CoachPay 20%, ClubPay 25% (5% per club, Diamond 0%), CreditPay 10% to the top 10, CompetePay 7% to the top 5; “Total to the network: 62% of every dollar, against a 70% cap (not binding). Every percentage here is admin-tunable and can change.”; club thresholds $3,000 to $10,000,000; ClubPay weights 0.7 purchase volume; “$1 = 200 credits”; weekly Standard pools $53,117.21, $244,565.90, $32,476.84 and $33,766.50 for the weeks of 9, 16, 23 and 30 September; trailing 28 days $7,243,511; first distribution week of 26 August, earlier weeks “backtest”; widget of 2,964 active club members, median $42, 75th percentile $269, top 1% $20,759.
Not established by this document: Weekly revenue is our arithmetic (the Standard pool is 5% of the week’s revenue), not a company statement.
- Suite help page (“How do I get paid?”)
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-suite-help.html (.txt). “Payouts are on hold while we move to our new payment partner. Your earnings are recorded and safe; there is no payout date yet, and we will email you when payouts restart.”; prompt polish “(5 cr)”; ContentPay and CodePay switched off.
- Suite llms.txt
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-suite-llms.txt. The ten studios and the Concierge; “200 credits = 1 USD”.
- Suite pre-login landing page
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-suite-root.html (.txt). Headline “The biggest wealth creation event in our lifetime”; page description “Earn from every recommendation. Tracked, verified, paid.”
- “Why July 4, 2026” page (placeholder)
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-why-july-4-placeholder.html (.txt). Reads “Not written yet”, as do the FAQ and Platform pages; supports the 4 July 2026 launch timing.
- Shopify product feed, shiftai.club
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-products.json. “Ambassador Pack” $599 and two nutrition products, created April 2026; no credit packs sold as Shopify products.
- RDAP domain record, shiftai.club
Archived as docs/archive/shift-ai/2026-10-07-shift-ai-rdap.json. Domain registered 11 October 2025.
Not established by this document: Registrant identity is not shown.
- EcoPay Earnings Illustration as of 15 September 2026 (Wayback snapshot)
Archived as docs/archive/shift-ai/2026-09-15-shift-ai-suite-calc-wayback.html (.txt). Network total 65% with CompetePay at 10%; widget “Of 1,017 active members over the last 90 days: 64.6% earned $0. The median earned $0”.
Not established by this document: Cannot show whether the 15 September base included $99-only members.
- Enterprise Club Memberships as of 15 September 2026 (Wayback snapshot)
Archived as docs/archive/shift-ai/2026-09-15-shift-ai-enterprise-wayback.html (.txt). Silver “$13,000”, Gold “$113,000”, Platinum “$1,113,000” with “+10%” to “+20%”; “Gold & Platinum settle by wire transfer”; “Elevated CreditPay yield weighting”; “Private jet itinerary · 2x annually”; “Direct access to the Founder”.
- Home page as of 21 September 2026 (Wayback snapshot)
Archived as docs/archive/shift-ai/2026-09-21-shift-ai-home-wayback.html (.txt). “Unlimited Income Streams”; “In 2010, Bitcoin traded for pennies. That thousand dollars would be worth roughly $77,000,000 today.”; “The window opens once. Then it doesn’t.”; Bronze “$3,000” with 600,000 credits; “Bronze Club Members earn an extra 5%, Silver 10%, Gold 15%, and Platinum 20% from EcoPay.”; “Earn 20% CoachPay” on the $99 card.
- Terms of Service effective 27 June 2026 (Wayback snapshot of 15 September 2026)
Archived as docs/archive/shift-ai/2026-06-27-shift-ai-terms-of-service-wayback.html (.txt). California governing law and JAMS arbitration in San Francisco with no opt-out; “no required minimum purchase to participate”; commissions paid weekly via Stripe Connect Express.
Not established by this document: Superseded by the 21 September Terms.
- Founder’s Club checkout as of 13 September 2026 (Wayback snapshot)
Archived as docs/archive/shift-ai/2026-09-13-shift-ai-founder-checkout-wayback.html (.txt). Travel vouchers “distributed July 4th”.
- SHIFT AI Opportunity presentation, 23 pages (PDF)
Archived as docs/archive/shift-ai/2026-09-07-shift-ai-opportunity-deck-via-dehek.pdf (.txt is the researcher’s reading of the page images; page 6 checked from the image). “Headquartered in Texas” and “Currently in pre-launch” (page 6); “SHIFT hands you up to 50% of the ecosystem’s gross revenue”; an “ANNUALIZED RATE $423K” illustration; dashboard artwork “TOTAL REVENUE $198,352,987”; footnote “All figures shown are illustrative and do not represent actual or projected earnings.”
Not established by this document: Image-only PDF, created 7 September 2026, not published by SHIFT itself; provenance from SHIFT not independently confirmed.
- “How SHIFT Ai Works!” presentation with the founder’s segment (YouTube recording)
Captions archived as docs/archive/shift-ai/2026-09-17-yt-W3JlwcOtLj4-promoter-presentation-with-hale.en.vtt (.txt). The founder introduces himself at 0:27:16; 0:28:44 “It is literally impossible. It is impossible for anyone to become a club member in Shift AI and not make money.”; 0:48:05 “You can literally just buy AI credits, whether you use them or not, and get paid on that.”
Not established by this document: YouTube auto-captions; uploaded by a promoter, not by a channel the company’s site links to.
- “SHIFT AI OVERVIEW | CEO OWNER MARTY HALE” (YouTube recording of a founder Zoom)
Captions archived as docs/archive/shift-ai/2026-09-18-yt-VIC0B7wdxak-hale-overview-zoom.en.vtt (.txt). The founder introduces himself at 0:00:27; 0:33:20 “this leaderboard gives you the ability to buy money. I know it sounds crazy, but it does. ... If you buy $1,000 more of credits, you make $3,000 more in cash.”
Not established by this document: YouTube auto-captions; uploaded by a promoter.
- “SHIFT AI, Explained Full Overview CEO” (YouTube recording of a founder presentation)
Captions archived as docs/archive/shift-ai/2026-09-19-yt-zTIIlPdDKLQ-hale-overview.en.vtt (.txt). 0:00:18 to 0:00:56: “We pay 50% of our gross revenues to the entire ecosystem.”; “Every single club member in the entire company gets paid every single day.”; “It is impossible for a club member not to get paid with Shift.”; “You don’t have to recruit nobody.”; “you don’t even have to log in.”
Not established by this document: YouTube auto-captions; uploaded by a promoter.
- “SHIFT AI CEO Marty Hale’s Corporate Update” (YouTube recording of a company update)
Captions archived as docs/archive/shift-ai/2026-09-26-yt-WKbihakb678-hale-corporate-update-stripe.en.vtt (.txt). 0:08:30 to 0:09:05 the founder reads Stripe’s closure notice: the account closed “with immediate effect” and funds “held in reserve for 120 days to cover potential refunds and disputes” (auto-captions read “120 20 days”); 0:22:53 wires open; 0:24:39 “Total revenue is 6.6 million”; 0:25:04 “over 16 million credits” used.
Not established by this document: The notice’s date is not read aloud; the 1.2% usage figure is our arithmetic on the founder’s two numbers.
- EDGAR full-text search: “SHIFTai”
Archived as docs/archive/shift-ai/2026-10-07-edgar-fts-shiftai.json. Zero hits; with the searches for “shiftai.club” (zero) and “Shift AI” (unrelated companies only), no filing by the subject.
Not established by this document: A negative search result, not a document about SHIFT.
- EDGAR full-text search: “SHIFT Capital”, Form D
Archived as docs/archive/shift-ai/2026-10-07-edgar-fts-shift-capital-form-d.json. No Form D for a Wyoming SHIFT Capital, LLC; the nearest names are unrelated entities.
Not established by this document: A negative search result.
- OpenCorporates: SHIFT CAPITAL LLC, Wyoming, 2025-001808191
Archived as docs/archive/shift-ai/2026-10-07-opencorporates-wy-shift-capital-llc.html (.txt). Active Wyoming LLC at the Casper registered-agent suite.
Not established by this document: A secondary mirror; formation date and officers are behind a login, and the state record itself was not retrieved.
- Wyoming Secretary of State business search (CAPTCHA response)
Archived as docs/archive/shift-ai/2026-10-07-wyobiz-search-captcha-block.html. The name search returned a CAPTCHA challenge.
Not established by this document: Could not retrieve: the formation date, organizer and officers are unverified.
- Texas Comptroller franchise tax record: BLUE MOON SOLUTIONS, INC.
Archived as docs/archive/shift-ai/2026-10-07-tx-comptroller-blue-moon-solutions-inc.json. Lists Marty Hale as an officer (director and chief executive, 2015 report).
Not established by this document: The only About-page career claim confirmed in a public primary record.
- Texas Comptroller franchise tax name search: “shift capital”
Archived as docs/archive/shift-ai/2026-10-07-tx-comptroller-name-search-shift-capital.json. No SHIFT CAPITAL LLC, domestic or foreign; three unrelated entities.
Not established by this document: A negative search result.
- USPTO trademark search: applications owned by Shift Capital LLC
Archived as docs/archive/shift-ai/2026-10-07-uspto-tmsearch-owner-shift-capital.json, with docs/archive/shift-ai/2026-10-07-uspto-tmsearch-shiftai.json and docs/archive/shift-ai/2026-10-07-uspto-tmsearch-shift-ai.json. Four intent-to-use applications filed 8 September 2026 (serials 50096030, 50096056, 50096075, 50096099: SHIFT, SHIFTAI, SHIFT, SHIFT AI), applicant “Shift Capital LLC (LIMITED LIABILITY COMPANY; Texas, USA)” in Lubbock; not yet assigned to an examiner.
Not established by this document: Pending applications, not registrations.
- Texas State Securities Board site search: “shift ai”
Archived as docs/archive/shift-ai/2026-10-07-tx-ssb-search-shift-ai.html. “Your search yielded no results.”
Not established by this document: A negative search result.
- Texas State Securities Board site search: “marty hale”
Archived as docs/archive/shift-ai/2026-10-07-tx-ssb-search-marty-hale.html. “Your search yielded no results.”
Not established by this document: A negative search result.
- UK FCA warnings search: “shift”
Archived as docs/archive/shift-ai/2026-10-07-fca-warnings-search-shift.html, with the “shift ai” and “shiftai” searches in the same folder. No warning naming the subject; the only hit is an unrelated 2021 entity.
Not established by this document: A negative search result.
- CFTC site search: “shift ai”
No capture in docs/archive/shift-ai/: the site returned HTTP 403 to an automated search; a domain-restricted web search found nothing on the subject.
Not established by this document: Could not search directly.
- New Zealand FMA warnings and alerts: “shift”
No capture in docs/archive/shift-ai/: blocked (HTTP 403); a domain-restricted web search found nothing on the subject.
Not established by this document: Could not search directly.
- Philippines SEC advisories search: “shift ai”
No capture in docs/archive/shift-ai/: blocked (HTTP 403); a domain-restricted web search found nothing on the subject.
Not established by this document: Could not search directly.
- ASIC Moneysmart investor alert list
No capture in docs/archive/shift-ai/: blocked (HTTP 403); a domain-restricted web search found nothing on the subject.
Not established by this document: Could not search directly.
- Canadian Securities Administrators site search: “shift ai”
No capture in docs/archive/shift-ai/: the search redirected with no content; a domain-restricted web search found nothing on the subject.
Not established by this document: Could not search directly.
- ChatGPT pricing
Archived as docs/archive/shift-ai/2026-10-07-vendor-chatgpt-pricing.html (rendered). Free $0; Plus $20 a month. Used in the price-to-value comparison.
- Claude pricing
Archived as docs/archive/shift-ai/2026-10-07-vendor-claude-pricing.html. Pro $20 billed monthly.
- HeyGen pricing
Archived as docs/archive/shift-ai/2026-10-07-vendor-heygen-pricing.html. Free $0 for 3 videos a month; Creator $29 a month.
- ElevenLabs pricing
Archived as docs/archive/shift-ai/2026-10-07-vendor-elevenlabs-pricing.html. Free $0; Starter $6 a month.
- Black Forest Labs (FLUX) API pricing
Archived as docs/archive/shift-ai/2026-10-07-vendor-bfl-flux-pricing.html. $0.03 to $0.048 per image across current models.
Not established by this document: A developer API, not a consumer app.
- Kling AI membership plans
Archived as docs/archive/shift-ai/2026-10-07-vendor-kling-membership-plans.html (rendered). Standard $6.99 first month, then $8.80 a month.
- Trustpilot search: “shift ai”
Archived as docs/archive/shift-ai/2026-10-07-trustpilot-search-shift-ai.html, with docs/archive/shift-ai/2026-10-07-trustpilot-shiftai-club-not-found.html. No profile for shiftai.club; the only “shift ai” result is an unrelated business.
Not established by this document: A negative search result; weak evidence for a product about three months old.
- Apple App Store search: “shiftai”
Archived as docs/archive/shift-ai/2026-10-07-itunes-search-shiftai.json. No app by SHIFT Capital among the results.
Not established by this document: Google Play was not checked.
- Google Ads search volume, US (via DataForSEO): “shiftai” and related terms
Archived as docs/archive/shift-ai/2026-10-07-dataforseo-search-volume-shift-ai.json. “shiftai” ran 30 to 110 searches a month from September 2025 to August 2026.
Not established by this document: The phrase “shift ai” is shared with unrelated businesses and was not credited to SHIFT.
What we could not get
- The Wyoming state record for SHIFT Capital, LLC (formation date, organizer, officers): the state search sits behind a CAPTCHA, OpenCorporates mirrors an active LLC without those details, and the trademark filings describe a Texas LLC that does not appear in Texas Comptroller records.
- Any per-action credit price beyond the 5-credit prompt polish. The company says its price list is “Publishing soon”, so what a chat turn, image, voice minute or video second costs in credits is not public.
- Whether any earnings credited since late September 2026 have been paid, and when payouts restart. The company’s help page says payouts are on hold with no payout date.
- Why the disclosure population changed from “active members” (1,017, 64.6% at $0, 15 September) to “active club members” (2,592, 2.7% at $0, 23 September). The change is the company’s; no document explains it.
- The number of $99-only members and of members who left, and what they earned. The disclosure excludes both.
- Regulator lists that could not be searched directly on 7 October 2026: SEC enforcement pages, CFTC, Canada CSA, Australia ASIC, New Zealand FMA and Philippines SEC. For these the record is a negative web search only.
- Which model versions sit behind each studio, and whether FLUX and Kling are still used: they are named on the home page but not in the Terms’ list of providers.
- The founder’s statement, on a recorded presentation of 30 September 2026, that Stripe closed “220 accounts in one day ... due to an SEC ruling”. The founder said it; no source supports it.
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
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SHIFT AI - frequently asked
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Author, editor and publisher
This report was researched and written by Claude, Anthropic’s AI assistant, working from primary documents - SHIFT AI’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
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