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Question Question 1: Bernard Ong? Who is Bernard Ong. You cant search and find this guy history. He claim he is "banker". What he show is Linked In account only. His status is unknown. Real name? No...nothing Question 2: Accounts? They claiming have 40000 accounts registered in their system. Base on their Aff plan. Most people will open 8 accounts or 50 accounts. Assuming less than 3000 real human joining his program in these 6 month Question 3: online promoting avoid Singapore jurisdiction? They just promote online or ground meeting why? Why all team members or Bernard never in any event to promote his "Digital Bank" dream to get more "accounts"? Oh ya, The Exxa Inviting him. They never do any publicity or open plan presentation, nope. Just Zoom meeting Question 4: Digital Bank? Lol…. Applying digital banking license? As we see Singapore Digital Banking License requirements is much harder to get, can refer to mas. gov. sg 1: can Torque accounts verified for SG government? 2: Torque never register in Singapore 3: Torque Do not have 2 or 3 year pass track record Can this requirement can successfully apply DB in Singapore? Or can you trust a "digital bank" register again in BVI? Question 5: Arbitrage same old story. There is no such 2 ways or 3 ways arbitrage can earn monthly 10%. Their paid out nearly 10% for investors. how do they feed so many workers, utilities, offices as they claim? What they do is keep slashes down the profit from 10% until 0% and eating up all your fund. You might see they profit will lowering down follow by time. Question 6: Profit from OPM? We join his program to see where they transfer. They sent all cryptocurrency to binance and huobi. We doesn't know whether they really do arbitrage or just keep there. Same as plus token and cloud token. They show the address and claim they doing "real trade". When withdraw our coin. They doesn't really using torque coin to convert or anything. They just using another address to paid out the withdraw. (Checked using blockchain, etherscan) Question 7: Can Fancy New Feature attract people ?nah... Currently they launch Torque Mall and Travel feature. As you know, Alibaba, Ebay, Amazon, Shopee Lazada Q10 already very famous in ecommence. Tmall and Hotel doesnt have any advantage in price or Promo. Will investor buying or book anything using their profit ,TORQ coin? If no How do they attract outsider using it? Doing ads need burn a lot of Money. Is it worth to doing so? All MLM or ponzi scheme will copy all Market Feature and plugin their Plaform unfortunately all this "legit " feature never success in any Scam platform. This treat it as Normal HYIP , don't trust anyone they said is legit. HYIP for monthly 10% record they will not last more than 18 month. Once their payout is more than deposit, they will stop distribute profit and run away as simply as that. Good luck to invest HYIP You can check behindmlm about torque also.