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Flash4People – Crypto Ponzi Scam From France

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Welcome to my Flash4people review. Flash4people is a crypto ponzi coming out of France and headed up by experienced charlatan, Serge Piana Laubrau. Flash4people was actually borne out of a previous scam called Flashmoni which previously scammed investors out of all of their funds. Proving that there is a “sucker born every minute”, Flash4people did not even bother to completely change the name. This program is building quickly in the French speaking world and I expect it to start popping up on the radar in English speaking countries soon.

Flashmoni had an ICO in January 2018 where they raised an incredible $72 million. I say incredible because it was during a crypto crash and right on the back of 2 big ponzi collapses, being Bitconnect and Usi-Tech. Investors in the Flashmoni ICO hold an ERC-20 token called OZT. A big deal about OZT was that it was supposedly backed by gold metal and thus would have real long term value.

The terms of the ICO stated that 70% of funds raised would be used to purchase the gold holdings. 70% of $72 million is over $50 million worth of gold allegedly purchased and held by Flasmoni. Fast forward to late 2018 and, the whitepaper is taken offline and the Flashmoni project is completely abandoned. As for the imaginary gold, that will not be abandoned because that will be helpful in starting up a brand new opportunity….and that is what they did!

So moving onto May 2019, Serge Laubrau reappears to announce the exciting news that the program was now known as Flash4people. No real explanation about why Flashmoni collapsed, but let’s not let details dampen the excitement ok! We still have the unverifiable story about OZT token being backed by $50 million in gold! Serge Laubrau wants to go even bigger this time so he has teamed up with some top marketers, Patrick & Sandra Colin and Fabrice Kerhervé.

With Flash4people, you fund your wallet with a minimum of OZT token through the purchase of packages ( I know …right!). These packages will pay you returns of 1.25% per day over a period of 30 days whereby your original capital is released.

Now, I am not sure if any of this is news to you or not, but here it is:

Flash4people Are Generating NIL Profits


Lets just forget about the imaginary gold sitting in a safe. What you should really be asking is, how are Flash4people generating over 456% ROI per year. Imagine being on the hook for that amount each year. They have to pay out 450% PER YEAR!!! How is that even possible??? ANSWER – It’s Not. 

These Profits come from Reshuffling Investor Funds

 So existing investors get paid out from the new investor funds. Bernie Madoff did the same thing but he only paid 10% per year. Imagine how quick it will collapse when promised returns are over 450% per year.

If you are tired of all the ponzi scams out there, you need to realize that it’s not even difficult to make money the legal way online. It just takes a little time with a legitimate program for making money online.

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Quick Navigation


What Is Flash4people?

Flash4people is a ponzi that will pay you out in OZT token for a little while until it collapses and disappears. Naturally you cannot pay with OZT but instead you have to pay with your precious bitcoin.

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  • You get paid around 1.25% per day which is paid out and the end of the month. 

Compensation Plan

Direct Signups

Receive 17% paid as points on the investment made by direct affiliates.

Binary Commissions

Receive 12% on the weakest leg, calculated weekly. The binary will cycle every time you accumulate 250 CV but the amount of cycles is limited by your rank. See below:

Explorer – limited to 15 cycles
Challenger – limited to 30 cycles
Goldener – limited to 100 cycles
Noder – limited to 150 cycles
Pioneer & Tokener – limited to 200 cycles
Commander In Chain & Above – limited to 500 cycles

Ranks And Bonuses

I will add them soon as they are being translated from French.

What I Like About Flash4people


You Can End Up With More Bitcoin Than You Started With

The early people who are big recruiters will be smart enough to cash out early and convert every thing back to bitcoin. It still won’t make you a cool person in my eyes.

What I dislike about Flash4people

It’s A Ponzi Scam and Everyone Involved KNOWS

There was a time when I wondered if the people promoting ponzis really believed in the program that they were promoting or whether they just wanted to make money and just didn’t care. After a ponzi inevitably collapsed and the owners run off with the cash….again, I would observe the ponzi promoters simply start to promote a brand new ponzi. It was then that I realized that these people know exactly what they are doing. Some people really are scumbags and will do anything for money.

Unlicensed Securities Offering

Its unlicensed everywhere. It’s quite difficult to get a scam registered after all. This just means it may collapse faster.

The Real Deal With Flash4people

Some good people are going to lose everything whilst the promoters make millions. Disgusting.


Scam alert!, I give it a F.


Julian Leahy

The Prelaunch Inspector

How I Make A Living

I have developed a strategy using a legitimate affiliate program that allows me to hangout at home with the kids all day.


  1. Guy

    Why aren’t these people in jail ? He’s openly traveling and raising interest and using social media to promote.

    • Julian Leahy

      The wheels of justice move very slowly or often not at all. Eventually he will have to answer to French authorities…but that will be long after the crash.

  2. Psychosteve

    I’m French and wanted to tell my little story with F4P people. i’ve been in contact with a friend of mine who tried to “sell” me the new F4P programm yesterday (because i think she belived the main story and in the general concept). Basicly they were supposed to launch a new crypto-bank concept at the begining of June in Dubaï, a new bank that will “help everyone around the world” (that’s lovely) by fighting the actual finance system. Finally my friend told me they will not doing it in Dubaï (technical problems…maybe) but in Tunisia in July.

    After digging a little bit (like 10-15 minutes, without knowing a thing in crypto currency) i already got few red flags. The main boss has been involved in several “scam” like that (barelly legit stuf with shady backgrounds)…i’ve found like 5 companies (at least) involved in that but with always the same names…you even have a compagnie called Nature4Ever who’s triying to sell spiruline medecine that can cure brain cancer and authism…AMAZING…the world must know this cure NOW!

    The future concept in few words :
    – you buy some crypto coins with a “package system” (with a brand new currency they’ll create for the occasion)
    – the amount you have invested will be split in 2 (half will be kept for 4 months t generate incomes…of course)
    – they will provide a smartphone app to mine coins (i don’t know who’s going to provide the app since Google Play and Apple are not doing for a year)
    – you’ll be abble to sell (or not) your personnal data
    – you’ll recieve a 1,25% bonus…wait…the SAME rate you said in your article (but with a different way to get it)

  3. Psychosteve

    Hey Julian, thx for your answer.

    I’m not an investigation journalist… so i’ve done my research trying to get as much details as possible because a close friend of mine is going to “invest” (probably loose) money in the future F4P crypto bank, so i just wanted to know what was going on to try to warn her. I’m not a crypto expert but even without a proper knowledge of that a lot of red flags are poping-up (just common sense i guess).

    I’m sharing a link (french only…sorry) from a recent video my contact gave me few days ago… in that, a woman is trying to explain (online on Zoom) the benefits of that system. Don’t worry if you don’t get the all speech (basicly it’s “incredible […] Amazing”) but they will illustrate with a nice Powerpoint so you’ll see what they’re trying to do :

    I’ve done more research on the woman from the video…and i’ve found (in 10-15 minutes) a lot of links with shady people involved in previous “scams”…like Mr Mendolia which is selling spiruline pills that can “cure brain cancer and authism” like he said (i can’t find no trace of that excepting in an article because the video has been removed but i’ve found another video where they’re using an example where someone has been cured from cancer in like 13 days), who’s working for a compagnie call Nature4Ever…which is also part of the F4P group with the same shareman Mr Kerhervé…well well. In total the “Flash group” as a lot of shady companies doing shady products :

    > Flashmoni (pretending to exchange crypto coins agains real gold in Dubaï)
    > Flash4People (new name of Flashmoni with the crypto bank)
    > Nature4Ever (selling spiruline pills to “cure cancer”)
    > Natureblue (another spiruline business)

    I’ve found several videos like this for other country like Spain…same speech, same ugly powerpoint. But guess what…i’ve found one where the so called “new crypto currency” they’re trying to sell is the SAME from Flashmoni, the OZTG (“G” is for Gold because of the Dubaï “scam” that was rewarding insvestors with real gold…by the way, they’re still waiting for it) :

    At around 26-27 minutes Kerhervé will talk about it (in english) with the new minig app for smartphones…i don’t know who’s going to provide such app since Appstore and Google Play apparently have banned Crypto/mining app from their store since last year (

    Speaking of Flashmoni…before becoming “F4P”, Flashmoni has “lost” all the white papers, the ex Flashmoni’s Boss (Serge Lobreau) used an internet reputation agency to clean bad articles from internet (

    Apparently some people (like Kerhervé and Mendolia) where involved in previous other shady business with “Youniverse” that was using the “Conlingus” plateform that has been “bought” buy the “Onecoin” companie (apparently a well knowned Ponzi from Bulgaria), or another Ponzi like “Organo Gold” (a Russian MLM), or even the “First coin Club” (Mendolia + Pascal Destre which is also somewhere around in those previous “Flash” compagnies).

    i was supposed to do a zoom tomorrow with F4P people tying to tell them it’s just another Ponzi scam (for the sake of my friend) but due to a lack of knowledge in MLM/Ponzi and crypto i guess i will just cancel that and just warn my friend about all those red flags i saw during my researches. I think i’ll contact the AMF (Financial Market Authorities in France) to warn them as well.

        • Psychosteve

          Little ERRATUM…

          Apparently the OZT/OZTG is not the new crypto currency they will use in July, like i said above. In the spanish video from may they’re still talking about the OZTG token but after a partership split (Flashgroup / Flashmoni) in may/june they have decided to change and create a new token (apparently they said the partnership was shady and don’t wanted to get involved with companies like that)…and because of the split they had to cancel the Dubaï show from the 1st of June to make their own “clean” business next july.

          This “investigation” is a real mess….tons of informations saying this or that but i’ve contacted the AMF (Financial Market Authorities in France) and what i’m sure about is :
          > F4P don’t have ANY authorization from the AMF to sell any product/service in France
          > The AMF has already been alerted about F4P
          > They told me that it’s not neccessarelly a scam BUT to be carefull because everithing seems weird / fake and at risk

          so if i have 1 only advice to give : if you search and have ANY doubt or “red flag” on a business proposal….DON’T DO IT!

          • Julian Leahy

            Thanks Steve…I am glad to hear that AMF is investigating. Please avoid this scam.

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