If you’ve spent more than five minutes on VYB’s new website, you might think it’s the next tech-forward, empowerment-driven business opportunity.
But scratch beneath the surface of buzzwords like “legacy,” “wealth,” and “impact,” and you’ll find something far more familiar: a classic multi-level marketing (MLM) Ponzi-style operation disguised as a digital ecosystem.
Behind the Curtain: The People Running VYB
Megan Lynch, Ragan Lynch, and Toni Marek are the faces behind VYB—and each has a history deeply entangled in collapsed schemes and online manipulation.
Megan Lynch is best known for promoting scams like TranzactCard, GSPartners, and Success By Health. She travels the U.S. delivering “power talks” and selling hype rather than real value. She recently told followers she had to put her furniture in storage and pay $4,000 cash while on tour—an ironic twist for someone claiming to help others earn $442,860/month.
Ragan Lynch, her sister and business partner, has mirrored Megan’s MLM trajectory, often presenting herself as a coach while pushing overpriced memberships and vague digital tools.
Toni Marek, the so-called COO, is currently under a Texas gag order preventing her from publishing a whistleblower book about Phi Theta Kappa. She’s positioned herself as a victim and survivor, but is simultaneously using that narrative to anchor credibility while helping drive VYB’s manipulative tactics.
The Marketing Language vs. The Reality
VYB’s homepage talks a big game: “Shape Your Future,” “Build Your Wealth,” “Unlock Your Why.” It promises a slick ecosystem of digital education, networking, and business growth.
But in reality? It’s a pay-to-play system built on:
Monthly memberships ($39.99 to $249.99/month)
Recruitment-based commissions
Internal currencies (VYB Bucks) with no external value
Aggressive Zoom culture and emotional manipulation
The “products” are vague at best:
VYB Vault: Generic video courses on trending topics like crypto, AI, and mindset—stuff you can find free on YouTube.
VYB Trybe: Just another private Facebook group dressed up as a professional support system.
VYB Spotlight, BrandWorks, Ventures: Overpriced digital services sold internally to members with no external consumer demand.
Red Flags Buried in Their Legal Documents
After reviewing the policies and agreements on VYB’s site, here are some of the most alarming signs:
1. They Outlaw Criticism Entirely Their video content policy explicitly bans any “reviews,” “reactions,” or “commentary”—even under fair use. That’s not protection. That’s censorship.
2. “Fair Use” Is Rejected They claim fair use doesn’t apply, even for news, critique, or educational purposes. This is legally unsound and a clear effort to silence whistleblowers and investigators.
3. Massive Income Claims, Zero Evidence Their playbook promises up to $442,860/month—yet their own income disclosure states no participant has earned anything since it’s still “pre-launch.”
4. Crypto Payment Push They’re now encouraging crypto-only payments, which are non-refundable, untraceable, and perfect for vanishing when the scheme collapses.
5. No Retail Customers All sales and commissions flow through member purchases. There’s no external customer base—a hallmark of pyramid schemes.
6. Internal Currency (VYB Bucks) Members are rewarded with “Bucks” that expire after 30 days and are only redeemable within VYB’s platform. It’s like Monopoly money with cult branding.
7. Strict Non-Solicitation Clauses Once you leave, you’re banned from contacting any former teammates or customers. This isolates whistleblowers and prevents transparency.
8. No Real Refunds Refunds are void once you stream, download, or access content—even accidentally. And good luck winning a chargeback—they threaten to report “chargeback fraud.”
9. Arbitration in Casper, Wyoming All disputes must be handled in Wyoming—home to more shell LLCs than people. It’s a known safe haven for shady companies.
10. Religious Manipulation Their webinars and playbooks are filled with references to “Kingdom Millionaires,” “divine timing,” and “favor”—clearly targeting faith-based audiences to disarm skepticism.
The Endgame: A Controlled Collapse
VYB is doing what every MLM scam does when it’s running out of rope:
Blaming payment processors
Cancelling support tickets in favor of Zoom calls
Doubling down on crypto payments
Canceling tours and hiding behind “leadership” narratives
They’ve even published documents urging members to report critics like me for “harassment” and “copyright violation” for simply exposing the truth.
Final Word
This isn’t innovation. It’s TranzactCard in new packaging. GSPartners with more spiritual guilt. VYB is nothing more than a rebooted MLM scam with a fancy website and an even fancier promise.
Don’t fall for it.
Don’t give them your $25.
And definitely don’t believe the hype.
If you want real success, it starts with walking away from people who can only profit if you pay to follow them.
— Danny de Hek, The Crypto Ponzi Scheme Avenger