How To Use E-currencies and Exchangers

The first thing you have to do to invest in a HYIP is get money to invest with. You may be saying that you have money, but unfortunately you can’t use your money. Your money is in a format that HYIPs do not accept.

To invest in a HYIP you first need to change your money into an e-currency. There are many different e-currency types to choose from, and it won’t take long for you to realize that not every e-currency type is accepted by every high-yield investment program. Each HYIP lists different payment processors they accept and if we want to invest in the program, we will need to have an account with one of their listed processors.

Most HYIPs accept Liberty Reserve (LR) and Perfect Money (PM). Other commonly used e-currency types include AlertPay (AP), Solid Trust Pay (STP), Global Digital Pay (GDP) and StrictPay (SP). Each payment processor has different policies, different ways to fund your account and different fees associated with them. I will go over each of the different payment processors in a future walkthrough article.

After you have the payment processors chosen that you are going to do business with, you need to fund them with money from your personal bank account. I personally do business with Liberty Reserve (LR) and AlertPay (AP). Liberty Reserve doesn’t allow depositing straight into their accounts, so the only account I need to fund is AlertPay (AP). AlertPay is convenient for me because they allow Bank Transfers straight from a bank account into AP funds.

So, you’re probably wondering how to get funds into a Liberty Reserve (LR) account since they do not accept deposits into the account. The way to get funds into a Liberty Reserve (LR) account is by utilizing the services of an Exchanger. Exchangers are companies that transfer your money from one payment processor to another payment processor of your choice for a small fee.

I have the pleasure of recommending to you the official exchanger of is one of the leading exchanger companies servicing the HYIP industry, They are one of the most trusted and widest used exchanger companies. At the time of writing there are 176 testimonials listed on the site from satisfied customers. In addition to those, I can personally say all of my transactions with have been completed in a quick and professional manner.

Below is a video tutorial showing one of my exchanges with

The tutorial page on is one of the best I have ever seen, and the above video is for the most part a duplicate of one of the videos that can be found there; however, I wanted to draw attention to the part of the video at 0:57 where I enter the discount code.

Anyone using for the first time can SAVE 20% off the fees charged by using the following Discount CodeXCFSTIME. Every time you complete an exchange you receive a discount code good to use on your next transaction (the code is emailed to you after you complete the exchange). I believe this is a great bonus feature to encourage using for your exchanger needs, you’ll always receive a discount and exceptional service when using

By utilizing the  services of an exchanger, you can avoid keeping large amounts of money tied up in your different payment processor accounts. I believe the amount of money kept as e-currency should be kept to a minimum. By keeping only the funds needed for daily investments in your e-currency accounts, you add extra security to your funds and minimize the chance of losing money. I feel it is well worth the price to pay the nominal fees of an exchanger and have my money withdrawn into my bank account, instead of sitting in e-currency accounts where there is possible chance of loss.

If you wonder why I am against keeping large amounts of funds as e-currency you need only to look at StrictPay. StrictPay recently froze all the money in its accounts, and that money cannot be withdrawn (and will likely never be able to be withdrawn). There is a risk in using e-currency accounts, as they are not insured financial institutions.  I choose to pay my chosen exchanger,, slightly more due to the frequency of my withdraws to keep my e-currency accounts low. I feel it is well worth the cost to know that all of my funds will never be frozen or taken from me.

It is important to be as secure as possible when dealing with online transactions. Andrei, the administrator of has show time again that he is looking out for investors (his customers) best interest.

thanks hyip blogger!

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