Quick answer
How do I know if an investment is a scam?
Watch for the classic red flags: guaranteed or fixed profits, returns quoted per day or per month, promises to double your money, referral or downline income, upfront joining fees, and no SECP or SBP licence. Paste any offer below for an instant red-flag score — the check runs privately in your browser.
Paste a suspicious investment offer and get an instant red-flag risk check — private, in your browser.
Paste a WhatsApp forward, an investment pitch, a housing-scheme blurb, or any “guaranteed profit” message. We scan it for the classic red flags behind Pakistan's biggest investment and housing frauds.
100% private — the analysis runs entirely in your browser. Nothing is uploaded.
Guaranteed or 'risk-free' returns, profits quoted per day, week or month, 'double your money' promises, referral or downline commissions, registration fees to join, withdrawals that need a 'reinvestment' or 'upgrade', and operating without SECP/SBP registration. Any one is a warning; several together almost always mean fraud.
No. 10% monthly compounds to more than 200% a year — no legitimate business sustains that, which is why per-day and per-month return quotes define Ponzi schemes: early payouts come from later deposits until recruitment stalls and the scheme collapses. For scale, top government savings schemes pay about 13% per year.
Check the regulator's own registry, not the company's marketing: SECP for companies and licensed investment managers (via JamaPunji), SBP for banks and deposit-takers, PVARA for virtual-asset firms, and CDA/RDA/LDA/SBCA for housing approvals. Our verification tool links every official portal with a step-by-step due-diligence checklist.
Stalling withdrawals is how Ponzi schemes survive: new deposits pay old investors, so operators demand you 'reinvest', 'upgrade your package' or pay a fee to 'unlock' your balance. A platform that conditions withdrawals on paying more money is signalling collapse — stop depositing immediately and warn others.
No — the checker is educational. It surfaces classic warning signs found in the text you paste and scores their severity; it cannot verify any entity or accuse anyone of a crime. Treat a high score as 'verify with SECP or SBP before paying' and a low score as 'no obvious red flags', not a guarantee.