Vyvo
A $149 wearable and Vyvo AI plans sold through a plan that charges $99 a year to be paid and gives a $799 position four times a $298 position’s share of a sales pool, beside a $325-to-$3,000 tiered stake on a token rail the operator announced on 24 July 2026 it is winding down.
The hardware is real and the group holds a real FDA clearance for its Life Watch - but being paid requires a $99-a-year Business Suite, a $799 position earns four times a $298 position’s share of a sales pool, and the $325-to-$3,000 Data NFT Stakes, locked for twelve months, belong to a token business the operator announced on 24 July 2026 will be wound down, with no published terms for staked coins.
Can you actually make money with Vyvo?
No, and the most recent fact is the loudest. On 24 July 2026 the operator announced that Vyvo Smart Chain, VSC Coin and the inPersona Data-NFT business "will be wound down through a structured process," that VSC "will be delisted and discontinued" and that the Data-NFT product will not be carried over to any new entity. Five months earlier, on 23 February 2026, the company had already ended VSC reward distribution and announced a Recovery & Compensation Program for coin and Data-NFT holders, with its terms in a portal still marked "Coming Soon" when archived on 10 September 2026. The July announcement promises direct communication and the honoring of "all existing contractual obligations," but publishes no terms for staked coins, no redemption price, no timeline and no name for the successor entity. Anyone inside the twelve-month lock is exposed to an outcome nobody has written down. A wind-down is a corporate fact rather than misconduct. It is still where the money currently sits.
The stake is the part that needs understanding. It is VSC coin worth the dollar tier, staked in the holder’s Data NFT for twelve months after a $35 mint fee. A $325 Level 1 stake set a 1x multiplier on the pooled $B3TR distribution and a $3,000 Level 4 stake set 4x, for the identical physical act of wearing the device and generating the same Health Index score; higher levels also raised the daily cap on credited data blocks. The extra $2,675 bought no hardware and no additional data. On CoinGecko and CoinMarketCap readings of 31 July 2026, VSC stood about 99.5% below its December 2023 peak on global daily volume near $3,587, so a $3,000 position was roughly 84% of a full day of worldwide trading.
The cost side is documented and the income side does not exist. The plan in force is the Vyvo SocialFi Rewards Plan 2025 (version 2.2, November 2025), read with the Rewards Program Overview of February 2026. A participant is paid only while "Active," which means owning the $99-a-year SocialFi Business Suite; Business Standard bundles it with Vyvo AI at $298 a year and Business Pro at $799 in the first year and $848 on renewal. It pays 10% on every purchase by the people a participant refers, consumer or recruit alike, $7 for each matched $100 of volume across two Hubs (the flat rate in the February 2026 overview, the newer of the two documents; the November 2025 plan priced a cycle from $5 to $9 by weekly cycle count), and from 2026 a monthly share of 35% of what the company calls non-referral platform sales, in which the $799 position holds four shares and the $298 one holds one. That is far cheaper to hold than the 2019 binary, discontinued after Helo Corp. announced in September 2022 that it would end network marketing, which required a $59.90 or $99.90 monthly subscription, or referred subscribers, to stay commission-eligible. No income disclosure of any kind has been published in thirteen years across four brand generations.
The device deserves its own paragraph, because it is genuinely real. FDA 510(k) K231288 was decided Substantially Equivalent on 4 March 2024 - the actual Class II premarket notification route, not a facility registration and not a device listing - but the device it names is the VYVO Life Watch, a wrist-worn spot-check pulse oximeter, not the BioSense Band or Ring. At $149 the band matches the Amazfit Helio Ring almost to the dollar and undercuts the Oura Ring 4 at $349 plus $5.99 a month, and the Helo store states that all biometric features in the app are free. Somebody could want that hardware with no income offer anywhere near it.
$99 a year for the SocialFi Business Suite, the minimum to be Active and paid under the SocialFi Rewards Plan; $298 a year bundled with Vyvo AI Standard, or $799 in the first year and $848 on renewal bundled with Vyvo AI Pro; the device is a separate $149 purchase, and the Data NFT Stakes sold from 2023 at $15 to $3,000 with a twelve-month lock belong to a business announced on 24 July 2026 to be wound down
- Publish what happens to the staked funds. The 24 July 2026 announcement names no redemption terms, no buy-back, no timeline and no entity, and the twelve-month lock has no documented early exit at any penalty.
- One income disclosure, after thirteen years and four brands. The trade site that exists to publish top-earner figures carries this company's as "N/A", for a business it estimates at $70 million a year.
- Stop pricing pool shares by tier. The Open Market Pool gives a $799 Business Pro position four shares and a $298 Business Standard position one share of the same monthly pool, which makes the payout a function of the tier bought rather than of anything the holder sold.
- An affiliate agreement that names the actual counterparty and covers the actual instrument. The only one reachable without a login names World Global Network India Pvt. Ltd., is governed by the laws of India, and never mentions tokens or NFTs.
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
LEGAL - and the regulatory sheet is cleaner than the file otherwise reads, which must be said plainly. No securities-regulator warning, alert, advisory, cease-and-desist or enforcement action against Vyvo, Vyvo Smart Chain, inPersona, Helo Corp or the predecessor World Global Network could be located in any jurisdiction searched: Belgium FSMA, Italy CONSOB, Spain CNMV, France AMF, the Canadian commissions, New Zealand FMA, the Philippines SEC, US state securities regulators and the US SEC. No FTC enforcement action. No class action and no criminal proceeding; the one court case located is a federal contract suit another direct-selling company filed against World Global Network Corporation and others in October 2016, which was disposed of on a motion before trial on 1 November 2016, with the prevailing party not recorded in federal court statistics. The only formal item on file is a Direct Selling Self-Regulatory Council referral of Vyvo, Inc. to the Federal Trade Commission on 1 September 2022 over unsubstantiated earnings claims - and a self-regulatory body referring a company that did not respond is not an FTC investigation, not a complaint and not a finding of liability; no FTC docket following it could be located. The 24 July 2026 wind-down is a corporate restructuring announcement, not a finding of wrongdoing. What this report describes about the Data NFT Stake is the mechanics of the instrument, not a legal characterization: no regulator and no court anywhere has ruled on it.
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
Graded against the Vyvo SocialFi Rewards Plan 2025, version 2.2, and the 2026 Rewards Program Overview. A wearable and AI-subscription business sold through a referral network, with three layers stacked on each other. The bottom layer is products: a BioSense Band or BioSense Ring at $149, and Vyvo AI plans with Life CoPilot and Forge access at $24.90 or $99.90 a month at retail. The middle layer is the SocialFi Rewards Program. A $99-a-year Business Suite makes a participant Active, and the program pays 10% on every purchase by the people they refer, $7 for each $100 matched across two Hubs (the February 2026 overview’s flat rate; the older November 2025 plan priced it from $5 to $9), and from 2026 a monthly share of an Open Market Pool bought with the $298 Business Standard or $799 Business Pro tier. It replaced the 2019 plan of $59.90 or $99.90 monthly subscriptions, a $369 kit and a percentage binary, which the parent announced in September 2022 it would discontinue. The top layer, from 2023, was inPersona and the Vyvo Smart Chain: Data NFT Stakes at $15 to $3,000 which multiplied a share of a token reward pool by 1x, 2x, 3x or 4x according to what you staked, a business the group announced on 24 July 2026 it is winding down, while moving SocialFi to a new company in Miami and stating that "Existing community structures, relationships, and programs will be preserved."
Start with what is genuinely good, because it is genuinely good. The FDA clearance is real and verifiable: 510(k) K231288, applicant Vyvo Technology Corp. of Miami, decided Substantially Equivalent on 4 March 2024, product code DQA under 21 CFR 870.2700. That is the real Class II pathway, not a registration or a listing, and most programs in this space that talk about the FDA do not have one. It names the VYVO Life Watch; no clearance naming the BioSense Band or Ring could be located. The hardware is competitively priced - $149 matches a mainstream smart ring almost to the dollar and undercuts the category benchmark by $200. No securities-regulator warning, alert, advisory or order could be located in any jurisdiction searched, and no FTC action or class action was found; the one court case located, a 2016 contract suit against the predecessor company, was disposed of on a motion before trial within four weeks. The whitepaper promises no yield, and the company states in its own documentation that it does not set the token price and the market does. All of that is real and all of it counts.
Then the precision that has to travel with the clearance. Product code DQA covers pulse oximetry only. It does not cover ECG, cuffless blood pressure, atrial-fibrillation detection or bioelectrical impedance - all of which are marketed across the range, with the band page describing a "medical-grade fingertip sensor measuring blood pressure, oxygen levels (SPO2), and arterial conditions (APG)." A clearance for one indication is not approval of every claim the marketing makes, and the May 2024 press release headline "Vyvo Achieves FDA Approval for Wearable Devices" states a regulatory status the company does not hold, even though the body text of the same release says clearance.
The participant economics are documented on the cost side and absent on the income side. Under the SocialFi Rewards Plan the minimum to be paid is $99 a year for the Business Suite, against $59.90 or $99.90 a month under the 2019 plan, and there are no mandatory packages and no monthly sales requirement. The income runs through three channels: 10% of every purchase by the people you refer, $7 for each $100 matched across two Hubs, and a monthly Open Market Pool share if you hold the $298 Business Standard (one share) or $799 Business Pro (four shares) tier. Recovering the $99 takes four Vyvo AI Standard subscribers kept all year, or ten referred Business Suites (our arithmetic). Against that there is no income disclosure statement - none has ever been published, in thirteen years, across four brand generations. The direct-selling trade site that specializes in publishing top-earner incomes lists this company’s figures as "N/A."
And then the thing that happened on 24 July 2026. The group announced that Vyvo Smart Chain, VSC Coin and the inPersona Data-NFT business "will be wound down through a structured process," that VSC "will be delisted and discontinued," that the SocialFi community, AI technology, The Orb and the BioSense wearables will move to a new independent company in Miami, and that the group will refocus on GPU management infrastructure. Five months earlier the company had already ended VSC reward distribution and announced a Recovery & Compensation Program for coin and Data-NFT holders, with its terms in a portal not yet open. The July announcement promises to honor "all existing contractual obligations" but does not say what happens to staked coins, whether VSC holders can redeem anything at a stated price, what the timeline is, or who owns the spin-off. A wind-down is not a finding of wrongdoing and nothing here suggests otherwise. It is a fact about where the locked money currently sits - and for anyone inside a twelve-month lock, it is the only fact that matters.
Where a dollar of participant spend is modeled to go
This is a model, not a company disclosure - Vyvo publishes no payout breakdown of any kind. One input is company-stated: the SocialFi Rewards Plan caps total rewards in any weekly Epoch at 35% of program sales, and the field line is drawn at that ceiling. The 2026 overview adds an Open Market Pool of 35% of non-referral platform sales and does not say whether it sits inside that cap. A direct-selling trade publication separately estimates the payout at 40%. The remaining five lines are modeled from the group’s filed financials and normal hardware-and-software cost structure and are unverified.
| Product | Price | Pays |
|---|---|---|
| BioSense Health Band The core device, sold through the Helo Health store. Includes activation and a payment card whose integrated payment function is disabled. Priced at or below comparable consumer smart rings such as the Amazfit Helio Ring and the RingConn Gen 2, and not the device named in the K231288 oximetry clearance, which is the VYVO Life Watch. |
$149.00 one-time |
10% ($14.90) |
| BioSense Ring Titanium and resin, 2.7mm, 3g, IP68, five to seven day battery, charging cable included. The July 2024 launch release marketed blood-pressure monitoring and made no FDA or CE claim at all. |
$149.00 one-time |
10% ($14.90) |
| SocialFi Business Suite (Business Starter) The Hub Console and SocialFi Copilot. Owning a Hub Console Pro is what makes a participant "Active" and paid; a $9.90 monthly option "is not available yet." Let it lapse beyond a 30-day grace period and that Epoch’s rewards and volumes are not counted and the company may flush the carried-forward Hub Savings. It replaced the 2019 plan’s $59.90-a-month Loyalty subscription as the price of eligibility. |
$99.00/year annual |
10% ($9.90) |
| Business Standard The $199 member price of Vyvo AI Standard (2,000 credits a month, Life CoPilot, Forge AI access) plus the $99 Business Suite. Carries one Open Market Pool share. |
$298.00/year annual |
10% ($29.80) |
| Business Pro Vyvo AI Pro at the $749 member price plus a $50 first-year activation that "Renews annually at $99." The company calls it "Your Business Position." Carries four Open Market Pool shares, so the same work draws four times the pool share of Business Standard. |
$799.00 first year, $848.00 renewal annual |
10% ($79.90) |
| Vyvo AI Standard (consumer) 2,000 credits a month, Life CoPilot and Forge AI access; the Business Opportunity Overview does not say what a credit buys. Sold as "Participation optional," so a consumer can buy it without joining. |
$24.90/month or $249/year; $22.50/month or $225/year with an invitation code monthly or annual |
10% ($2.25/mo at the invitation price) |
| Vyvo AI Pro (consumer) 10,000 credits a month, maximum chat, voice and memory allowances, and unlimited file uploads. A SocialFi member pays $74.90 a month or $749 a year. |
$99.90/month or $999/year; $89.90/month or $899/year with an invitation code monthly or annual |
10% ($8.99/mo at the invitation price) |
| Data NFT Stake Not a product. A $35 mint fee plus VSC staked to the tier value buys a 1x, 2x, 3x or 4x multiplier on a pooled $B3TR distribution for identical activity, with the stake held for twelve months and no documented early exit; after that the holder may unstake. The whitepaper states that minting a Data-NFT contributes "to the burn of up to 35% of the correspondent value of $VSC." |
$15 / $325 / $1,000 / $2,000 / $3,000 one-time, twelve-month lock |
no product commission |
Who runs it, and what they ran before
The continuity across every version of this business since 2013. He was President of World Global Network, the predecessor that marketed the Helo wellness band with ECG, blood-pressure, blood-alcohol and blood-sugar features; BehindMLM reported that some were later added and some never delivered. That brand generated Better Business Bureau complaints, to which the company replied, plus member reports of unpaid commissions and undelivered DNA reports, and a Colombian Change.org petition naming him. A petition is participant sentiment and a BBB posting is a private ratings body: neither is a regulatory or judicial finding, and no regulator action against him or against World Global Network could be located anywhere. In October 2018 he gave a trade-press interview headlined as speaking out about "recent distractions" - the company was publicly managing reputation at that point. He signed the 24 July 2026 wind-down announcement.
Holds 3,731,244 common shares (4.3%), 16 of the only 100 Series A super-voting preferred shares in existence and 320,000 Series B preferred. Each super-voting share carries 1,000,000 votes, and at 31 December 2023 the largest block of them, 52, was Fabio Galdi’s, with director Alessandro Senatore holding 32: the founder held both the largest common stake and the largest super-voting block, about 37% of all votes (our arithmetic from the FY2023 filing). A participant reading "publicly traded" should understand that the control structure is not the ordinary one-share-one-vote arrangement that phrase implies.
Listed alongside director Alessandro Senatore (7,814,125 shares, 9.0%) in the FY2023 Pink Basic Disclosure. Between them the three largest named holders control roughly 38.8% of the common. No regulatory action, fraud judgment or criminal proceeding against any of them could be located in any source reviewed, and that should be stated as clearly as the rest.
Global Mobile Network in 2013 sold VOIP through an MLM structure with "Power Units." That became Wor(l)d Global Network / World Global Network in 2016-17, selling the Helo band. That was rebranded Vyvo in 2019. In September 2022 Helo Corp announced it would discontinue its network marketing operations globally from the fourth quarter, and the reward machinery migrated to Vyvo Smart Chain and inPersona with Data-NFT Stakes. On 24 July 2026 that was announced as winding down, with the group refocusing on GPU management infrastructure and spinning the SocialFi, AI and accessories divisions into an unnamed new entity. At each transition the participants who had bought the previous thing were left holding it. No public record of compensation to any prior-brand cohort at the earlier transitions could be located; for VSC coin and Data-NFT holders a Recovery & Compensation Program was announced in February 2026, with no published terms when archived on 10 September 2026.
Registered address
Miami, Florida, USA - with operating entities in Singapore, Utah and Nevada
There is no single "Vyvo" a participant contracts with. The FDA 510(k) applicant of record is Vyvo Technology Corp. of 123 NW 23rd St., Miami. BehindMLM’s 2019 review listed Vyvo Pte Ltd (Singapore) and Vyvo USA Corp (Utah) as the company’s corporate addresses. The token side sits with the Vyvo Smart Chain Foundation (Singapore). Helo Corp., an OTC Pink quotation in Nevada, bought Vyvo Inc. in 2021; its FY2023 Pink Basic Disclosure (self-published, unaudited and not SEC-reviewed, rather than a Nasdaq or NYSE listing) records that it sold Vyvo-related trademarks and domain names in May 2023, dissolved Vyvo Inc. in July 2023 and in April 2024 agreed to sell Vyvo Smart Ltd., Vyvo Technology Corp., Vyvo Network Japan KK and Vyvo Technology Pte. Ltd. The January 2021 transaction was distributed on newswires under a headline carried in Nasdaq press-release feeds, and distributors have used that URL as though it implied a Nasdaq listing. It does not. Only Helo Corp. files anything, so no consolidated group revenue exists in public. For the year ended 31 December 2023 it filed continuing-operations revenue of $4,553,764 and discontinued-operations revenue of $2,899,378 from the Vyvo businesses it was exiting, against total revenue of $31,321,501 for 2022. Its 2023 net income of $8,783,435 rests on a $15,195,000 non-cash gain in the fair value of VSC coins issued to Helo under a 24-month lock; its continuing operations posted an operating loss of $2,592,513.
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? |
WATCH
A multi-entity group: Vyvo Technology Corp. (California, Miami address) holds the FDA clearance, BehindMLM’s 2019 review listed Vyvo Pte Ltd (Singapore) and Vyvo USA Corp (Utah) as corporate addresses, the Vyvo Smart Chain Foundation (Singapore) sits on the token side, and Vyvo SocialFi Pte. Ltd. issues the current SocialFi Rewards Plan. Helo Corp. (OTC Pink: HLOC, Nevada), the quoted parent at its last annual filing, agreed in April 2024 to sell its remaining Vyvo subsidiaries; whether the sale closed and who bought them could not be established, and no consolidated group revenue exists in public.
|
| What does it really cost? |
WATCH
$99 a year for the SocialFi Business Suite, the minimum to be Active and paid; $298 a year for Business Standard, or $799 in the first year and $848 on renewal for Business Pro, which carry Open Market Pool shares; the $149 device is separate. No packages, inventory or monthly sales are required. The 2019 plan this replaced required a $59.90 or $99.90 monthly subscription, or referred subscribers, to stay commission-eligible.
|
| Published income disclosure? |
RED
None. Not in thirteen years, not across four brand generations, not in the years the business sat inside an OTC-quoted parent. The trade site that publishes MLM top-earner incomes lists this company’s figures as "N/A."
|
| Is the FDA clearance real? |
OK
Yes, for the VYVO Life Watch - 510(k) K231288, Vyvo Technology Corp., Substantially Equivalent on 4 March 2024, product code DQA, 21 CFR 870.2700. It covers spot-check pulse oximetry and pulse rate only, not ECG, blood pressure, AFib or bioelectrical impedance, no clearance naming the BioSense Band or Ring could be located, and a clearance is not an approval however the May 2024 headline put it.
|
| Any regulator action anywhere? |
OK
None located, in any jurisdiction searched - no warning listing, alert, advisory, cease-and-desist or enforcement action, no FTC action, no class action; the one court case located, a 2016 contract suit against the predecessor company, was disposed of on a motion before trial within four weeks. The only formal item is a self-regulatory referral to the FTC on 1 September 2022, which is not an FTC action and produced no locatable docket.
|
| What is the Data NFT Stake, mechanically? |
RED
$15 to $3,000 of VSC plus a $35 mint fee, staked twelve months, delivering a 1x, 2x, 3x or 4x multiplier on a pooled token distribution for identical activity. No contractual document governing it could be located beyond the Data NFT page, which lets holders unstake after twelve months, and the affiliate agreement does not mention tokens or NFTs at all.
|
| Can you get your money back? |
RED
The affiliate agreement allows refunds within ten days of activation; if the affiliate cancels, it says the company "will never refund" the affiliate fee or any other purchased product unless agreed in writing, with other returns handled under the company’s product policies. Neither SocialFi plan document states a refund term for the $99 Business Suite, and a lapse beyond the 30-day grace period lets the company flush carried-forward Hub Savings. On staked funds there is no documented early exit at any penalty; on 24 July 2026 the operator announced the rail is winding down without publishing any redemption price, buy-back or timeline, and the February 2026 Recovery & Compensation Program had no published terms when archived.
|
| Merchant play or miner play? |
CONCERN
Mostly miner, with an unusually good product attached. The SocialFi plan pays the same 10% on a recruit’s business position as on a customer’s purchase, pays its residual only on volume matched across two Hubs, and sizes the Open Market Pool by the tier bought - but Vyvo AI has a consumer price list marked "Participation optional," and the $149 device is genuinely saleable to someone who will never join anything.
|
What has to be true for you to get paid
| To cover | You need |
|---|---|
| Recover the $99 Business Suite from referred consumers | 4 Vyvo AI Standard subscribers kept all year $99 is $8.25 a month; 10% of the $22.50 invitation-code price is $2.25 a month per subscriber, so 3.7 subscribers, rounded up (our arithmetic) |
| Recover it from business referrals instead | 10 referred Business Suites, or 2 Business Pro positions 10% of $99 is $9.90 and 10% of $799 is $79.90 (our arithmetic) - the plan pays the same 10% on a recruit’s position as on a consumer’s subscription |
| Recover it from the Community Reward alone | 15 matched cycles in a year at $7, or 20 at $5 $7 per cycle under the February 2026 overview, or $5 under the older November 2025 plan for an Epoch of one to four cycles; a cycle needs $100 in each of two Hubs, so $1,500 to $2,000 of volume on each side over the year (our arithmetic: $99 / $7 = 14.1 and $99 / $5 = 19.8, rounded up) |
| Reach the rank where the plan genuinely pays | Ambassador 1 Star: 3,000 matched cycles in one weekly Epoch at the overview’s $7 a cycle that Epoch pays $21,000 ($24,000 at the $8 the older November 2025 plan lists for 3,000 cycles, "subject to fair policy, otherwise the amount is $7"), and it needs $300,000 of volume in each Hub in that week (our arithmetic: 3,000 × $100); no document says how many members have reached it |
Read this twice
Every number on the cost side of this arithmetic is published and every number on the income side is not, which is the single most important structural fact in the report. Under the SocialFi Rewards Plan the cost of being paid is $99 a year, and the plan pays 10% on every purchase by the people you refer. Four Vyvo AI Standard subscribers kept all year at the $22.50 invitation-code price cover it, since 10% of $22.50 is $2.25 a month against $8.25 (our arithmetic); so do ten referred Business Suites, or two Business Pro positions at $79.90 each, because the plan pays the same 10% on a recruit’s position as on a consumer’s subscription. The Community Reward pays $7 per $100 matched across two Hubs under the February 2026 overview ($5 to $9 under the older November 2025 plan), so the residual starts only once both sides carry volume, and the rank ladder runs to Ambassador at 3,000 matched cycles in a single weekly Epoch, which is $21,000 for that week at $7 and $300,000 of volume on each side (our arithmetic). Token rewards are valued at zero throughout this exercise: on 31 July 2026 readings the token was 99.5% below its December 2023 peak of $0.07558, global daily volume was around $3,587 with roughly $2,160 of it on one venue, a $3,000 position was about 84% of a full day’s worldwide trading, and on 24 July 2026 the operator announced the rail is winding down with no published redemption. Two honest caveats. Breaking even on $99 is genuinely within reach, which was not true of a $59.90 monthly subscription. And what cannot be done is to say how many members recover it or reach any rank, because no income disclosure has ever existed and the plan does not say whether a Hub counts volume beyond a participant’s own referrals.
Run your own numbers
Drag the sliders. Nothing here is stored or sent.
Ten percent of what a referred customer pays: under the Vyvo SocialFi Rewards Plan 2025 (version 2.2) the Connection Reward is 10% of every purchase by the people you refer, so a consumer on Vyvo AI Standard at the $22.50-a-month invitation-code price is worth $2.25 a month to you (our arithmetic). Cost is the $99-a-year SocialFi Business Suite spread monthly, $8.25, because owning it is what makes you Active and paid; the $298 Business Standard and $799 Business Pro tiers cost more and are not modeled. The 10% monthly churn is an assumption, not a company figure. Left out: the same 10% on a recruit’s business position ($9.90 on a $99 suite, $79.90 on a $799 Business Pro), which is the larger sum per head and is paid at the same rate as on a customer; the Community Reward of $7 per $100 matched across two Hubs, which depends on an organization rather than on anything you sell; and the Open Market Pool, a monthly share of 35% of non-referral platform sales sized by the tier you bought. On 24 July 2026 the group announced that SocialFi moves to a new company in Miami and that VSC Coin and the Data-NFT business are being wound down. No income disclosure has been published in thirteen years across four brands. Your own subscription cost of $8.25/mo is included.
What it costs to replace this yourself
What the same health-tracking capability costs on the open market, using ordinary consumer wearables at their published retail prices. This is the fairest exercise in the report and it does not go the way the rest of the file does - on hardware alone Vyvo is competitive. The gap opens entirely on the things attached to the hardware.
| What they sell you | What you'd use instead | Your cost |
|---|---|---|
| BioSense Ring - $149.00 | Amazfit Helio Ring - comparable sensor set, no subscription | $149.99 |
| BioSense Health Band - $149.00 | Xiaomi Smart Band 9 / Fitbit Inspire 3 / Garmin vivofit 4 class | sub-$100 category |
| Full-feature ring alternative | RingConn Gen 2 - full feature set, no subscription of any kind | $313.99 |
| Category-benchmark alternative | Oura Ring 4 plus its app subscription at $5.99/month | $349 + $71.88/yr |
| Mid-market alternative | Renpho LYNX Smart Ring - HR, SpO2, sleep, HRV | $179.99 |
| Smartwatch alternative | Amazfit Bip 6 - smartwatch form, HR, SpO2, sleep | $80 |
| SocialFi Business Suite - $99/yr | No equivalent - it buys eligibility to be paid; every ring above except the Oura charges nothing recurring | $0 |
| Data NFT Stake Level 1 - $325 (sold from 2023; the business is being wound down) | No open-market equivalent exists; it bought no capability, only a multiplier | $0 |
| Total as sold $248 in year one for the device and the $99 Business Suite, or $948 with the $799 Business Pro position (our arithmetic) |
Total, built yourself $149.99-$313.99 once, with nothing recurring |
Price-to-value
The device is not the problem and it would be dishonest to pretend otherwise: $149 matches the Amazfit Helio Ring to within a dollar, undercuts the RingConn Gen 2 by $165 and the Oura Ring 4 by $200, and the group’s oximetry clearance names its Life Watch, not this band or ring. Buy the wearable and you have bought fairly. The premium is in the attachments: a $99-a-year Business Suite whose function is to make you eligible to be paid, where the 2019 plan charged $718.80 a year, and AI plans that state a number of monthly credits without saying what a credit buys. The $325-to-$3,000 Data NFT Stake delivered no feature, no data and no capability at all, and its business is being wound down.
Three operators, five horizons
Probability of cumulative net profit
Hover any point for median, top decile and bottom quartile.
Business Suite only
buys the $149 band and the $99-a-year Business Suite, refers occasionally - $248 in year one
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 5% | −$240 |
| 6 mo | 6% | −$230 |
| 1 yr | 7% | −$220 |
| 3 yr | 7% | −$400 |
| 5 yr | 7% | −$560 |
Typical builder
band plus Business Standard at $298 a year, one Open Market Pool share - $447 in year one
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 3% | −$430 |
| 6 mo | 4% | −$410 |
| 1 yr | 5% | −$380 |
| 3 yr | 6% | −$850 |
| 5 yr | 6% | −$1,300 |
All-in on the Pro position
band plus Business Pro at $799 the first year and $848 on renewal, four pool shares - $948 in year one
| Horizon | P(profit) | Median |
|---|---|---|
| 3 mo | 2% | −$900 |
| 6 mo | 3% | −$860 |
| 1 yr | 4% | −$800 |
| 3 yr | 5% | −$2,300 |
| 5 yr | 5% | −$3,700 |
Methodology note. These are modeled outcome ranges, not claims about what anyone earned, and they carry an unusually large modeling burden because there is nothing to anchor the income side to. ANCHORED to published figures: the $149 device price, the $99-a-year Business Suite, Business Standard at $298 a year, Business Pro at $799 in the first year and $848 on renewal, the 10% Connection Reward, $7 per matched $100 cycle (the February 2026 overview; the older November 2025 plan priced it from $5 to $9), Open Market Pool shares of one and four, the 35% cap on total rewards per Epoch, and the year-one totals of $248, $447 and $948 (our arithmetic, device included), with the bottom quartile set at cumulative cost and no reward at all. MODELED by us: every income figure and every share-in-profit percentage, because no income disclosure statement has ever been published by this company or any of its predecessors, and the trade site that publishes top-earner incomes lists this one as "N/A." The Open Market Pool is valued only loosely in the top column, because the size of non-referral platform sales is not published. Token rewards and Data NFT Stakes are left out: the stakes are not part of the SocialFi plan and VSC rewards ended on 23 February 2026. The share-in-profit percentages are deliberately low because the residual pays only on volume matched across two Hubs: anyone who does not build both sides earns no residual at all. One calibration that cuts in the company’s favor and is not shown in any row above: a person who simply buys the $149 device, or a Vyvo AI plan, as a customer and never joins is not in this table at all, and does perfectly well.
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 operator announced on 24 July 2026 that it is shutting the rail down
2The Data NFT multiplier was bought, not earned
3No income disclosure statement has ever been published
4A self-regulatory referral to the FTC after the company did not respond
5The fourth pivot in twelve years, with no cohort made whole
6Some of the predecessor band’s promised sensors never shipped
7A twelve-month lock with no documented exit and no governing contract
8The token is down 99.5% and functionally unsellable
9Rewards were funded by issuance rather than out of margin
10Not one verifiable instance of anyone being paid for their health data
11The 10% Connection Reward pays the same on a recruit as on a customer
12Filed revenue is a fraction of the trade estimate
13The Open Market Pool pays by tier bought, and a lapse forfeits
14A ten-day refund window
15The governing agreement names the predecessor and is governed by the laws of India
Green flags
91A genuine FDA 510(k) clearance exists and is verifiable
2No regulator warning listing anywhere, in any jurisdiction
3No FTC action, no class action
4The whitepaper promises no return
5The company states plainly that it does not set the token price
6The hardware is real, shipping and competitively priced
7The affiliate agreement carries the correct recitals
8The parent filed real, named financial disclosure
9No packages, no inventory, and a stated cap on total rewards
We would like to be wrong about this
Upward
- Publishing a dated, specific wind-down settlement: what Data NFT Stake holders get back, whether staked funds are returned, whether unpaid distributor commissions are honored, and on what timeline. Doing that fairly would be the single largest positive move available and would re-rate the terms, owner and securities dimensions together.
- Publishing an income disclosure statement with medians, modes, the percentage earning nothing and a cost-of-participation figure - the first in thirteen years - and naming one data buyer with one dated transaction and one participant payment amount, which would convert the central story from narrative into fact.
- Separating the device business from the income opportunity entirely: a $149 wearable sold at retail with no token, no NFT tier, no subscription toll and no downline is a defensible consumer product, and the group already holds an oximetry clearance for its Life Watch. Broadening the clearance to cover ECG, blood pressure or AFib - or dropping those from the marketing - plus replacing the laws-of-India legacy agreement with a jurisdiction-appropriate, token-inclusive one and a thirty-day refund window.
Downward
- A wind-down that returns nothing to Data NFT Stake holders while group value migrates to a new GPU entity and an unnamed spin-off, or evidence that participant funds moved between group entities without disclosure.
- Any securities regulator opening a file on the Data NFT Stake in any jurisdiction - the structure is exposed and nothing has happened yet - or an FTC action following the 2022 self-regulatory referral, or a fresh self-regulatory case on live claims such as "earn money continuously without actively working."
- The spin-off entity relaunching a token, an NFT tier or a staking product to the same participant base as a fifth iteration, continued use of "FDA Approval" in headlines or distributor material, or delisting of the token from its remaining venues, removing even the notional quote.
Grade is F, score 2.88. A real $149 wearable from a group whose FDA clearance names a different device, sold beside Vyvo AI plans through a SocialFi plan that charges $99 a year to be paid and sells pool shares by tier, after a tiered stake whose only function was to multiply a token claim - on a rail the operator announced on 24 July 2026 it is closing.
Take the good first, because there is more of it here than the grade suggests and it is all verifiable. The 510(k) clearance is genuine: K231288, applicant Vyvo Technology Corp. of Miami, Substantially Equivalent on 4 March 2024, product code DQA. That is the real Class II pathway and it is checkable in the FDA database in about thirty seconds. It names the VYVO Life Watch, not the band or ring. The hardware is real and fairly priced: $149 for a band or a ring sits within a dollar of the Amazfit Helio Ring, $165 below the RingConn Gen 2 and $200 below the Oura Ring 4, which also charges $5.99 a month that Vyvo does not. And the regulatory sheet is clean in a way that is rare in this corner of the market - no securities-regulator warning listing was located in any of nine jurisdictions searched, no FTC action, no class action, no criminal proceeding against anyone, and the one court case located (a 2016 contract suit against the predecessor) was disposed of on a motion before trial within four weeks. The whitepaper guarantees no yield. The help center says plainly that the market sets the token price and the company does not. All of that is real and none of it is grudging.
The clearance does not cover what the marketing sells, and the money is not in the device. Product code DQA is pulse oximetry - blood oxygen - and nothing more. It does not cover ECG, cuffless blood pressure, atrial-fibrillation detection or bioelectrical impedance, every one of which is marketed across the range, and the May 2024 press release was headlined "Vyvo Achieves FDA Approval" when the body of the same release said clearance, for its LifeWatch. Meanwhile the participant economics run through the plan, not the hardware. The SocialFi Rewards Plan charges $99 a year to be Active and paid, pays the same 10% on a recruit’s business position as on a customer’s subscription, pays its residual only on volume matched across two Hubs, and gives the $799 Business Pro position four shares of a monthly sales pool to the $298 tier’s one. There has never been an income disclosure statement, in thirteen years across four brands, and the trade site that publishes top-earner incomes for this industry lists this company’s as "N/A." In mid-2022 the industry’s own self-regulatory council asked the company to substantiate "passive income" and "($1,800) in 3 days" claims made in its name, got no reply, and on 1 September 2022 announced it had referred the company to the FTC - a referral, not an FTC action, and no FTC docket followed.
The part to sit with longest is the Data NFT Stake, and it has to be stated carefully because no regulator and no court anywhere has ruled on it. Here is what the company’s own two documents say when you place them side by side. Stakes were sold as VSC worth $15, $325, $1,000, $2,000 or $3,000, plus a $35 mint fee, staked for twelve months. Rewards come out of a pool: total tokens available divided by the community’s total Health Index points gives a per-point value, and each holder gets their points times that value times their tier multiplier - 1x, 2x, 3x, 4x. So two people wearing the same device, producing the same readings, scoring the same index, receive a fourfold difference in return, and the whole of that difference is attributable to what they paid rather than to anything they did. That is capital in against a differential return, under a lock, from a pool the operator sizes. This report does not characterize it further, and it makes no allegation of fraud. What it does record is the timing: on 24 July 2026 the operator announced the chain, the coin and the Data-NFT business are being wound down through a structured process, and published no terms for the staked coins. A wind-down is not misconduct. It is simply where the locked money is.
Buy the wearable, decline everything attached to it
The device is the one part of this that stands up. At $149 it is priced where it should be, the group holds a real oximetry clearance for its Life Watch, and a person who buys it as a customer, ignores the subscription tiers, never enrolls and never touches a Data NFT does perfectly well out of the transaction. If long-term app support after the restructuring worries you - and it is unverified either way - an Amazfit Helio Ring at $149.99 or a RingConn Gen 2 at $313.99, neither with a subscription, buys the same capability with no corporate question attached.
Before paying for a position, ask for the contract that governs it
The only affiliate agreement reachable without a login names the predecessor brand, is governed by the laws of India, and mentions neither the SocialFi plan nor tokens or NFTs. The plan documents state no refund term and no withdrawal method, and on 24 July 2026 the group announced that SocialFi moves to a new company in Miami whose name has not been published. Ask, in writing, which entity you are contracting with, which document governs your rewards, how they are withdrawn and what the refund terms are. If nobody can produce it, that is the answer.
Do the pool sum yourself before anyone explains it to you
Business Standard at $298 a year holds one share of the Open Market Pool and Business Pro at $799 holds four, for the same work. Ask your sponsor what the extra $501 buys besides more AI credits and three more shares. If the honest answer is "a bigger share of the pool," you now know precisely what class of thing you are being sold and can decide on that basis.
Sell health wearables as a merchant instead
Consumer health tracking is a large, growing retail category with genuine search demand around sleep, HRV, oximetry and ring-versus-watch comparisons, and it can be sold on straightforward affiliate or retail margin against products that need no subscription toll, no rank, no downline and no staking lock. It requires no $99-a-year eligibility fee and it does not put your capital inside somebody else’s twelve-month lock.
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.
- "Vyvo Group Restructuring 2026: Official Announcement" - corporate announcement page hosting the signed letter in eight languages
Vyvo Group restructuring announcement, 24 July 2026, signed by founder Fabio Galdi and datelined Miami - Vyvo Smart Chain, VSC Coin and the inPersona Data-NFT business to be "wound down through a structured process," VSC to be "delisted and discontinued," the Data-NFT product "not carried over to any new entity," SocialFi, AI technology, The Orb and Biosense wearables to be transferred to a new independent company in Miami, group refocusing on GPU management infrastructure; a general commitment to honor "all existing contractual obligations," but no terms for staked coins, redemption, timeline or spin-off ownership published (vyvo.com; vyvosocialfi.com/vyvo-group-restructuring-2026)
Not established by this document: The signed announcement is distributed as per-language PDFs linked from the announcement page (English: vyvosocialfi.com/documents/2026/EN_Vyvo-restructure-announcement_July_2026.pdf); the page body reproduces none of it. Nothing on any Vyvo property addresses staked funds, redemption, unpaid distributor commissions, the wind-down timeline or the ownership of the spun-out entities.
- Vyvo corporate homepage carrying the Miami, 24 July 2026 restructuring statement
- Vyvo SocialFi homepage - full text of the founder's restructuring letter, including the closure of Vyvo Smart Chain, VSC Coin and the inPersona Data-NFT business
- Vyvo Smart Chain - "Important Notice to the Vyvo Smart Chain & inPersona Community": HealthFi and DataFi Reward Program permanently discontinued effective 23 February 2026, and the Recovery Program
- FDA 510(k) Premarket Notification K231288 - Vyvo Technology Corp., 123 NW 23rd St., Miami FL 33127; device "Vyvo" (Indications for Use: VYVO Life Watch, Model WL); Substantially Equivalent, decision 4 March 2024; product code DQA, 21 CFR 870.2700
FDA 510(k) database, K231288 - applicant Vyvo Technology Corp., 123 NW 23rd St., Miami FL 33127; device name Vyvo; decision Substantially Equivalent, 4 March 2024; product code DQA (Oximeter); regulation 21 CFR 870.2700
- Vyvo Smart Chain / inPersona Data NFT page - staking tiers at $15, $325, $1,000, $2,000 and $3,000, twelve-month staking period, and the level-based rewards table
Data NFT page - a $35 NFT mint cost at every level plus $VSC staked to $15 / $325 / $1,000 / $2,000 / $3,000, "The staking period is 12 months," holders may unstake once it ends, Max Data Blocks 2 / 8 / 28 / 48, a X1.5 HealthFi Rewards boost at Level 4, and "Essentially, you get to invest in the coin while using our project!"
Not established by this document: The specific help-center article titled "What is a Data NFT Stake" is served from the inPersona/Vyvo support portal, which returns no retrievable article at that title; the Data NFT page above carries the same tier ladder and states a twelve-month staking period, and is cited in its place.
- inPersona dApp overview - Data NFT purchase route through the inPersona store and device binding
- "$B3TR Rewards" - Vyvo Smart Chain page setting out the pooled distribution, the worked example 100,000 $B3TR / 250,000 HIS = 0.40, and the 1x/2x/3x/4x Data NFT level multipliers with the 50 × 3 = 150 and 150 × 0.40 = 60 example
Vyvo support center, $B3TR Rewards - pooled distribution divided by community Health Index points, worked example "100,000 $B3TR / 250,000 = 0.40," and NFT level multipliers of 1x, 2x, 3x and 4x with the worked example "New HIS: 50 × 3 = 150" and "150 × 0.40 = 60"; and Complete guide to $VSC - "the operating entity of VSC does NOT set the value to $VSC; instead, the market dictates the price value"
- "What is Vyvo Coin ($VSC) and how can I earn it?" - Vyvo Support: $VSC and $USDV described as "non-security" utility coins; "the operating entity … does NOT give a value to $VSC, but the price or value of $VSC is given by the market"
- Vyvo Smart Chain White Paper (PDF) - genesis supply, four-year halving schedule, 20,014,165,805 $VSC cap, burn-and-mint VDC mechanism and Proof-of-Sensing rewards
- Health Index page - the 0-100 score, its three categories and weightings, feeding the $B3TR distribution
- DSSRC Case No. 79-2022 - Government Referral, Vyvo, Inc. (case page)
Direct Selling Self-Regulatory Council announcement, 1 September 2022 - referral of Vyvo, Inc. to the Federal Trade Commission for possible enforcement action following a June 2022 Notice of Inquiry, multiple further contact attempts, no response and no substantiation; claims cited include "passive income" and "($1,800) in 3 days"
- DSSRC Referral Report, Case No. 79-2022, Vyvo, Inc., filed 4 August 2022 (PDF) - Notice of Inquiry 13 June 2022, 10-day notice 7 July 2022, no response, referral to the FTC
- "Direct Selling Self-Regulatory Council Refers Vyvo Earnings Claims to the Federal Trade Commission for Possible Enforcement Action" - BBB National Programs press release, 1 September 2022, quoting the "($1,800) in 3 days" and residual-income claims
- Helo Corp. Disclosure Statement Pursuant to the Pink Basic Disclosure Guidelines - Annual Report for the period ending 31 December 2023 (86,752,302 common shares; 100 Preferred A super-voting; 2,000,000 Preferred B)
Helo Corp. Pink Basic Disclosure, year ended 31 December 2023 - continuing-operations revenue $4,553,764, discontinued $2,899,378, net income $8,783,435, total assets $28,459,255, liabilities $9,395,340, equity $19,063,915, 86,752,302 common shares outstanding; insider holdings including Fabio Galdi 20.4% of the common and 52 of 100 Preferred A super-voting shares, Alessandro Senatore 32 and Sean McVeigh 16; Vyvo Inc. dissolved July 2023 and the remaining Vyvo subsidiaries agreed to be sold in April 2024; net income driven by a $15,195,000 change in fair value of cryptocurrency
- Helo Corp. (HLOC) disclosure filings index on OTC Markets
- "Helo Corp Announces Annual 2023 Results" - company press release confirming continuing-operations revenue of $4,553,764, discontinued revenue of $2,899,378 and net income of $8,783,435, and attributing the net income to a $15.2m increase in the fair value of locked VSC Coins
- "Vyvo Review: World Global Network's unbelievably messy reboot" - BehindMLM plan analysis: 100 PV qualification, 10% Fast Start, up to 20% weaker-leg binary with weekly carry-forward, 25% residual for twelve months, matching bonus
BehindMLM review of the plan materials and brand lineage - 10% Fast Start paid on sales to retail customers or recruited affiliates, weaker-leg percentage binary up to 20% with weekly carry-forward, 25% residual rate for twelve months tied to recruitment, matching bonus ladder across twelve ranks, $1,000 Diamond car bonus, 100 SV qualification, subscription tiers, pack pricing, and the 28 September 2022 update that Helo Corp planned to discontinue the Vyvo network marketing operations in Q4 2022
- "Helo Corp announces plans to abandon Vyvo MLM opportunity" - BehindMLM report on the Q4 2022 announcement
- VYVO company profile - Business For Home: estimated revenue flat at $70 million 2021-2025, estimated commission payout ~$28 million a year, Business Grade A+
BusinessForHome company profile - revenue estimated flat at $70 million for 2021 through 2025, commission payout estimated at 40% of revenue (~$28 million), top-earner figures listed as "N/A," one recommended distributor on file. A trade-publication estimate, not a company figure
- Vyvo Smart Chain (VSC) price, market cap and volume - CoinGecko
CoinGecko and CoinMarketCap pages for the token, fetched 31 July 2026 - price around $0.0003897, market cap $1,833,794, 24-hour volume $3,587.15 with about $2,160 on a single venue, all-time high $0.07558 on 30 December 2023, down 99.5%; mainnet 14 December 2022; 1.2 billion minted annually against a cap near 20.1 billion. One aggregator rendered as a preview showing $0.00 on 31 July 2026
- Vyvo Coin (VSC) price, supply schedule and mainnet date - CoinMarketCap (mainnet 14 December 2022; 1.2bn minted annually; max supply 20,101,648,050 VSC)
- Vyvo affiliate agreement served in the member store - counterparty World Global Network India Pvt. Ltd., governed by the laws of India, ten-day refund window, termination at any time for any cause, no mention of tokens or NFTs
Affiliate agreement served at my.vyvo.com/store/document/3/101 - named counterparty World Global Network India Pvt. Ltd., "this Agreement shall be governed by the laws of India," commissions from product sales not sponsoring, no guaranteed earnings, termination "at any time for any cause or reason," refunds within "10 (ten) day from the date of activation," no refund of the affiliate fee or purchased products on cancellation "unless specified otherwise in writing," no arbitration clause, no mention of tokens or NFTs; plus product pricing from shop.helohealth.com and the Vyvo wearables, band and watch pages, and consumer smart-ring retail pricing from Wareable and Engadget round-ups
Not established by this document: The Helo Health store renders product pages without prices to a fetcher (prices load behind the cart/regional selector), so the wearable, band and watch retail figures could not be re-verified from the company's own storefront. The Engadget smart-ring round-up named in the prose was not located; the Wareable round-up is cited alone as the open-market comparison.
- Helo Health store - BioSense Health Band, LifeWatch Generation 2, LifeWatch Lite SE, Smart Scale and Leggera 2 product pages
- "Best smart rings 2026: Oura and top alternatives tested" - consumer smart-ring retail pricing benchmark (Oura Ring 4 from $349 plus $5.99/month; RingConn Gen 2 $313.99; RingConn Gen 2 Air $199; Renpho LYNX $179.99; Amazfit Helio $149.99)
- FDA 510(k) K231288 decision letter, Indications for Use and 510(k) Summary (PDF) - Trade/Device Name Vyvo; Indications for Use device name VYVO Life Watch; Life Watch, Model WL, a wrist-worn reflectance pulse oximeter for spot-checking SpO2 and pulse rate
- "Vyvo Achieves FDA Approval for Wearable Devices, Merging Blockchain Technology with Healthcare Innovation" - Vyvo Smart Chain release, 14 May 2024: FDA clearance for LifeWatch; FDA-cleared devices said to give insights into heart rate, blood pressure, stress and energy levels
- Vyvo Restructure Announcement, July 2026 (PDF, English, 15 slides) - Smart Chain discontinued, VSC Coin "will be delisted and discontinued," Data-NFT "not carried over to any new entity," SocialFi, AI, The Orb and Biosense wearables to a new independent company in Miami, "Honoring all existing contractual obligations"
- "Vyvo’s Innovative SocialFi Digital Business Model Gaining Traction" - company press release on the SocialFi Rewards Program, described as requiring no product reselling, inventory or mandatory purchase packages
- CourtListener docket, N.D. Tex. 3:16-cv-02842 - contract action against World Global Network Corporation and others, filed 7 October 2016, terminated 1 November 2016 on a motion before trial (FJC Integrated Database: prevailing party unknown)
- Vyvo SocialFi Rewards Plan 2025, version 2.2 (PDF, cover dated November 2025) - Hub Member Kit at $99 a year, 10% Connection Reward, five-week challenge at 15% or 20% until 2 March 2026, Community Reward of $5 to $9 per matched $100 cycle, recognition ranks, 35% Total Rewards Cap, 250,000 USDV Personal Cap and Reward Flushes
Read 8 October 2026 (18 pages): "all you need is to activate your SocialFi Hub Member Kit," $99.00 for one year, the monthly option "not available yet"; "You are considered Active if you own a Hub Console Pro"; "10% Instant Rewards on every purchase made by your Connections"; a Referrer "refers another Member or Customer into their Hubs"; cycle values from $5 (1 to 4 cycles an Epoch) to $9 (15,000 or more); "The maximum reward amount in a single Epoch is 35% of the total sales generated within the Vyvo SocialFi Rewards Program"; Hub Savings flushable if the Hub Console PRO is not renewed within a 30-day grace period; "NO mandatory packages," "NO recurring purchases," "NO inventory to manage," "NO monthly sales requirement"
- Vyvo Business Opportunity Overview 2026, v1.0 (PDF) - Vyvo AI consumer plans at $24.90 or $99.90 a month with member and invitation-code prices, and Business tiers at $99, $298 and $799 a year with an $848 renewal
Image-only PDF of 25 slides, posted on vyvosocialfi.com on 2 March 2026 and read 8 October 2026: Standard $24.90 a month or $249 a year (2,000 credits a month), Pro $99.90 a month or $999 a year (10,000 credits), $19.90 and $74.90 a month "For SocialFi Member," $22.50 and $89.90 "With Invitation Code," yearly $199 / $225 and $749 / $899; "Participation optional"; Business Standard "$199 plan + $99 SocialFi Business Suite"; Business Pro "$749/year" plus "$50 First-Year Activation Renews annually at $99," "$799 First-Year Total Renewal: $848 annually"
- Vyvo SocialFi Rewards Plan page - download page for version 2.2 in nine languages, with the note "The new version will be online soon" and the program disclaimer
Read 8 October 2026: page dated 7 January 2026 (schema modified 23 February 2026); "Vyvo doesn’t guarantee specific outcomes from participating in our SocialFi Influencer Rewards Program. Your results depend on your personal efforts in building and engaging your community"; page tags include "passive income SocialFi"; also links the 2026 Rewards Program Overview and the Business Opportunity Overview 2026
- Vyvo SocialFi Terms of Use, updated December 2024 - website user agreement in effect from 1 March 2023
Read 8 October 2026: governs use of www.vyvosocialfi.com, registration by invitation code and account suspension or termination; contains no reward, refund or withdrawal terms
- Vyvo SocialFi Rewards Program Overview 2026, v2.1 (PDF, February 2026) - SocialFi Business Suite at $99 a year, 10% Connection Reward, $7 per matched $100 cycle, and a new Open Market Pool of 35% of non-referral platform sales with Standard 1 share and Pro 4 shares
Image-only PDF of 16 slides, read 8 October 2026: "Own your position in the AI economy," "Earn as adoption scales," "No caps. No limits. Build once. Earn again.," "Each qualified Cycle pays $7 USD, applied equally to all active Members," "35% of non-referral platform sales are allocated to the Pool," "Shares apply exclusively to active annual Business Standard and Business Pro subscriptions," rewards "Processed within 72 hours," and "Don’t Just Watch the AI Revolution. Own a Piece of It."; the terms slides repeat the plan’s caps, flush and fair-policy rules; cover dated February 2026 and PDF created 17 April 2026, both later than the plan (cover November 2025, PDF created 12 January 2026)
What we could not get
- Several mechanics of the SocialFi Rewards Plan are not published: whether Hub Volume equals the dollar price of every product, whether a Hub counts volume beyond a participant’s own referrals, whether the Open Market Pool sits inside or on top of the 35% cap on total rewards, what the pool’s "qualification requirements" are, how Lifestyle Points are earned, and what "USDV," the unit of the 250,000 personal cap, is worth and how rewards are withdrawn. The plan page, dated 7 January 2026, says "The new version will be online soon"; whether a newer edition than version 2.2 and the February 2026 overview exists behind the login could not be checked.
- Any contractual terms governing the Data NFT Stake. No terms and conditions, no early-exit provision, no penalty schedule and no governing document of any kind could be located, and the only reachable affiliate agreement does not mention tokens or NFTs at any point. Someone who paid $3,000 has no findable contract covering what they bought.
- What happens to staked funds after the 24 July 2026 wind-down announcement - redemption, refund, forfeiture or otherwise - along with the wind-down timeline, the treatment of unpaid distributor commissions, and the name, ownership and jurisdiction of the spin-off entity. None of it is published anywhere.
- Any regulator warning, alert, advisory, cease-and-desist or enforcement action in any jurisdiction. This one is published as a finding rather than a gap: none was located against Vyvo, Vyvo Smart Chain, inPersona, Helo Corp or World Global Network at Belgium FSMA, Italy CONSOB, Spain CNMV, France AMF, the Canadian commissions, New Zealand FMA, the Philippines SEC, US state securities regulators or the US SEC. The honest caveats are that these were searched through public web indexes rather than each regulator’s internal database, and that non-English-language actions are under-represented in that corpus. Absence of an action is not a clearance - but it is a genuinely favorable fact and it is reported as one.
- Any data sale, any named data buyer, or any participant payment for health data. Data monetization has been the differentiating story since 2022 and the whitepaper names pharmaceutical companies, universities, hospitals and research centers as target buyers, but across the whitepaper, both help centers, the press releases and the parent’s filings there is not one named counterparty, one completed transaction, one dated payment or one dollar amount. The parent’s filed FY2023 revenue carries no line item attributable to data sales.
- CE marking status for any Vyvo device. No CE claim appears on any reachable product page, and no marking could be confirmed. Equally, no FDA clearance covering ECG, cuffless blood pressure, atrial-fibrillation detection or bioelectrical impedance on any device could be located - only K231288, which covers oximetry.
- Whether any compensation was paid to participants at any of the four brand transitions since 2013, including under the Recovery & Compensation Program announced for VSC coin and Data-NFT holders in February 2026, and the outcome of the 2022 self-regulatory referral to the FTC. No compensation record and no FTC docket, complaint or action could be located in either case.
- Current pricing, if any, for the 2019 catalog items - the DNA kit, the stickers, the larger device, the Smart Kit and the Builder Pack - which BehindMLM recorded in March 2019 and the 2026 SocialFi materials do not list. The BioSense Watch price is not published at all and the company store renders client-side. Also unverified: whether the app and device support continue after the restructuring, whether Helo Corp.’s April 2024 agreement to sell the Vyvo subsidiaries completed and who owns them, and consolidated group revenue, since the Singapore and Utah operating companies do not publish.
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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Vyvo - frequently asked
QIs Vyvo a scam?
QIs the Vyvo FDA clearance real?
QWhat is a Data NFT Stake and how does the multiplier work?
QWhat happens to my money now that Vyvo is winding the chain down?
QIs the $149 BioSense device worth buying?
Author, editor and publisher
This report was researched and written by Claude, Anthropic’s AI assistant, working from primary documents - Vyvo’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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