Is DuePoint Legit in 2025? Full Review of Its Services, Features, & Credibility 

An image of DuePoint review with a context display prompting if it's a pyramid scheme.

DuePoint is a legitimate financial services provider regulated by the FSCA. While it is not classified as an illegal pyramid scheme, its commission structure and recruitment-based model share notable comparisons. 

If you’re looking for a company that offers financial services in South Africa, you’ve probably come across DuePoint.  

The FSCA regulates it and provides a commission plan starting at R27.50. On top of that, it also offers enticing rewards like luxury cars, cash, etc.  

However, the question is: “is it truly legit?” 

Despite its appealing offers, DuePoint receives mixed reviews. Regulation alone doesn’t guarantee transparency, so it’s important to assess its features and services carefully. 

This TRU Insight provides an expert-backed, unbiased review to help you decide if DuePoint is the right fit. 

What is DuePoint? 

DuePoint is a financial services company based in South Africa. It was founded in 2015 by Brendan Benfield. Our experts discovered that his financial milestones are a strong edge. Benfield is a registered Chartered Accountant and came from a family with a strong background in financial services. 

DuePoint offers a platform for investors to build an income stream. It serves the South African market by providing financial training, mentorship, products, and a rewards program. 

However, many investors question whether its marketing strategy resembles that of a pyramid scheme. For you to stay informed and avoid misleading financial models, consider joining reputable platforms like CommuniTrade. 

Equip yourself with the right tools and education to sharpen your financial skills and avoid falling into common schemes. 

DuePoint Regulatory Background 

Many people wonder if DuePoint is a scam. The question often arises in discussions about pyramid schemes and how they’re regulated by South Africa’s Financial Services Conduct Authority (FSCA).  

Based on expert’s research, DuePoint is indeed regulated by the FSCA, South Africa’s primary financial regulatory body. The company operates under the name DuePoint Network Consultants (Pty) Ltd. and is registered with FSP license number 50318. 

To verify this for yourself, you can enter the FSP number on the official FSCA website:  

an image of official FSP license verification.

Read more: How to Find Financial Service Providers with FSCA Regulation in 2025  

How Does DuePoint Work? 

To address concerns about DuePoint’s marketing strategy and its resemblance to a pyramid scheme, our experts examined its services and operations closely.  

The company offers a range of financial products tailored to individuals, each with specific plans and benefits. Below are the following:  

DuePoint Products 

DuePoint operates as a division of Constantia Insurance Company Limited, a registered financial services provider (FSP 31111).  

The product offerings are tailored to individuals seeking affordable financial protection and investment options. 

Our experts reviewed the following products: 

Access Wealth  

It’s a combination of a tax-free investment account and personal accident cover. For R299/month, users get a modest investment vehicle paired with insurance.  

While the dual-purpose nature is appealing, the investment returns are not clearly detailed. Hence, some users are left uncertain about long-term value.  

Wealth Guard  

It offers R1.1 million in personal accident coverage for R274/month. This product stands out for its high coverage at a relatively low cost.  

Wealth Points  

The subscription-based membership is (R274/month). It provides access to discounts and deals from third-party partners. These include travel agencies, car dealerships, eCommerce platforms, and more.  

Our experts found this product to be more lifestyle oriented. Thus, its actual savings potential depends heavily on user engagement and usage. 

Compensation Plan  

Our experts examined DuePoint’s compensation structure and found that it centers on recurring commissions from monthly product subscriptions.  

Affiliates earn R27.50 per sale. To qualify, they must recruit at least three others who also subscribe.  

This recruitment requirement is a key trigger for concerns about pyramid-like resemblance. Based on our experts’ findings, the plan uses a unilevel model, where earnings depend on the depth and activity of an affiliate’s downline.  

Higher affliate levels unlock greater commission multipliers, rewarding those who build large networks. Since this can be profitable for top recruiters, our experts noted that newcomers may struggle without aggressive expansion. 

Affiliate Levels  

DuePoint’s tiered commission system rewards affiliates based on network depth. This means higher payouts for direct recruits and decreasing returns on lower levels.  

However, our experts noted that this structure encourages aggressive network building. This makes it harder for casual participants to earn without consistent recruitment. 

For you to understand the affiliation levels that participants go through, here’s a table overview:  

Affiliate level  Percent multiplier  Commision Price  
Level 1 (direct recruits) 200% R55 commission  
Level 2  200% R55 commission  
Level 3  100%  R27.50 commission  
Level 4  80% R22 commission  
Level 5  40% multiplier R11 commission  
Level 6  20% multiplier R5.50 commission  
Level 7 8% multiplier R2.20 commission  
Level 8  4% multiplier R1.10 commission 

Upon looking more into its platform structure concerns, our experts discovered that a Wealth Engineer clarified that members don’t sell subscriptions directly. Rather, it connects individuals to the company which handles all transactions.  

Our experts observed a key distinction in how sales are handled. Its system mirrors pyramid-style incentives based on the reliance on recruitment and layered commissions.  

This reflected the model from traditional Multilevel Marketing (MLM), where independent distributors sell products and recruit others.  

Rewards 

DuePoint also offers XP Rewards, which are bonuses for affiliates who follow a structured career path. These rewards include: 

  • Travel incentives 
  • Cash bonuses 
  • Branded merchandise 
  • Business development tools 

While the concept is motivational, our experts found that DuePoint does not publicly disclose how XP points are earned. Rather, it only displays an advertisement, which limits transparency.  

According to our experts, this lack of clarity may make it difficult for new affiliates to set realistic goals or understand the path to rewards.

Frequently Asked Questions (FAQs) 

How to Join DuePoint Affiliate Membership?  

To join DuePoint, individuals must register as a Wealth Engineer via the official site. The process involves signing up, downloading the DuePoint app, and connecting at least three paid members to start earning recurring income.  

Does DuePoint Violate Pyramid Scheme Laws? 

According to the Consumer Protection Act of 2008, it’s defined by the law that DuePoint offers regulated financial products and does not require selling or stock purchases.  

Thus, the tiered commission system and recruitment-based earnings closely resemble pyramid-style incentives.  

Final Verdict: Is DuePoint Legit? 

DuePoint is a legitimately regulated financial services provider in South Africa, operating under FSCA oversight and multiple licenses. However, legitimacy alone doesn’t guarantee transparency or long-term sustainability.  

Our experts found that while DuePoint offers real products and rewards, its commission structure leans heavily on recruitment. Consequently, this may continue to raise concerns among financial experts. 

If you’re still unsure or exploring safer alternatives, consider joining a reputable trading community like CommuniTrade. It offers a space where you can engage in insightful discussions, learn from experienced traders, and stay updated on credible financial opportunities. 

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