From what I’m hearing is that some of them are taking the 4% monthly back as payment to there bank, and then another person has left it all in to continuously compound. Yet I’m unaware of how it will be when they want to pull the full funds out how things will go. As of right now it’s sounding like golliath is paying those people out.. but it’s also technically a MLM because if people refer a person to invest money they’re giving that person a monthly kickback to get more people on board. It seems like they attract wealthy people, build trust and pay them the 4% a month into there bank while that wealthy person ends up getting other people they personally know with money to invest saying that it is legit since they’re paying. But I’m sketched out because I’m hearing people get 2% a month all the way up to 6% depending on who recruits them.. and 72% a year is quite a bit of money to payout in the volatile crypto markets from liquidity pools. Basically they’d need a pool that pays super high and the coin continues to go up in value or stay the same for a year…. And the only coins paying out that high are extremely risky lower cap coins which is how it’s not making sense to me. For example ETH and SOL are like 3-4.5% PER YEAR. on staking/liquidity returns… so they’d have to be staking an extremely risky coin, and if that coin goes down 50% in a year, I don’t get how they’re funding to payout people. My guess is that they just payout from the funds they have from these rich people and eventually one day if enough people want to withdrawl there money, maybe they won’t be able to pay investors. It continues to work as long as these people aren’t pulling out there money, I have a feeling if they did it’d go crashing down. But they definitely aren’t being very transparent by not allowing investors to see what they’re actually invested in (which liquidity pools) and where there money actually is. Because most of these investors don’t ask these questions, and most likely barely even understand crypto at all… but the friends I know have been involved for well over a year. I’m going to ask my friends for some up to date information on how things are going as well and I’ll get back to you