DuePoint Review 2026: Honest Breakdown of the Business Model, Risks & Real Earnings

Last updated: January 2026

If you are reading this DuePoint review, chances are high that someone recently invited you to join, showed you an earnings presentation, or told you that you could “make serious money” simply by recruiting a few people every month.

Maybe you are curious.

Maybe you are skeptical.

Or maybe you are genuinely searching for a legit way to earn money online or build long-term financial freedom.

I want to be very clear from the start: this is not a promotional Duepoint review.

This is an honest, detailed, and experience-based analysis of the DuePoint business model, its risks, its earning structure, and its long-term sustainability.

My name is Franck Chanda. I have been in affiliate marketing and online business since 2018.

Over the years, I have reviewed dozens of money-making platforms, network marketing companies, affiliate programs, and so-called “passive income” opportunities.

My goal has always been simple: help people avoid hype, understand the real numbers, and make informed decisions.

This Duepoint review is written based on:

• A deep analysis of the DuePoint compensation structure
• Logical math behind their earnings model
• Real-world experience with online income models
• Research into available proof of income

By the end of this Duepoint review, you will clearly understand:

• How DuePoint actually works
• How much you can realistically earn
• The risks involved
• Why most people fail
• And why I personally recommend affiliate marketing instead

Let’s dive in.

You can also watch this video below for the full breakdown review; otherwise, continue reading

What Is DuePoint?

DuePoint is a South African network marketing company that operates through partnerships with established insurance providers.

For many years, DuePoint was closely associated with Constantia Insurance Company, which provided underwriting and financial product backing.

However, recent developments have changed this structure.

Constantia Insurance is currently in liquidation, which means it is no longer operating as an active underwriting partner for new business.

As a result, DuePoint has moved its insurance partnerships to other providers.

At the time of writing this updated review, DuePoint now works with GENRIC Insurance Company, Bryte Insurance Company, and Santam as its main insurance partners.

These companies provide the regulated insurance products that allow DuePoint to legally operate within South Africa’s financial services framework.

This change is very important to understand.

It shows that DuePoint’s business model depends heavily on external insurance partnerships in order to remain compliant and operational.

Without these partnerships, the recruitment-based earning model would face serious legal challenges.

From a consumer and business perspective, the liquidation of Constantia Insurance raises important questions about long-term stability, operational risk, and dependency on third-party insurers.

While GENRIC, Bryte, and Santam are well-established companies, constant changes in underwriting partners can introduce uncertainty for members.

DuePoint itself operates using a referral-based model, where members, known as Wealth Engineers, earn commissions mainly by recruiting new members into the system.

When we analyse how people actually earn money inside DuePoint, one fact becomes very clear: the system heavily depends on recruitment, not on product sales.

This is extremely important because business models that rely mainly on recruitment instead of product demand often face serious challenges in the long run.

These challenges include income instability, high dropout rates, market saturation, and long-term sustainability issues.

How the DuePoint Business Model Works (Simple Explanation)

Let’s break this down in very simple English.

To join DuePoint, you must pay R699 per month. This is a mandatory monthly subscription.

Once you join, your first goal is to recruit three people who will also pay R699 per month.

Only after you recruit these three people do you qualify as a Wealth Engineer, which allows you to start earning commissions.

At this stage, you begin earning R55 per qualified member at certain levels inside your network.

DuePoint uses what they call a point system.

These points represent how deep people are inside your network.

The closer someone is to you, the more money you earn from them.

Here is the official earnings structure:

• Point 1 → R55
• Point 2 → R55
• Point 3 → R27.50
• Point 4 → R22
• Point 5 → R11
• Point 6 → R5.50
• Point 7 → R2.20
• Point 8 and beyond → R1.10

In simple terms, the deeper your network grows, the less you earn per person. Now, let’s explain what this actually means in real life.

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Understanding the Point System Using Real Numbers

Point 1 – Your Direct Recruits

These are the three people you personally recruit.

For each one, you earn R55 per month.

That means if you recruit three people, that gives you: 3 × R55 = R165 per month.

Already, we can see a major problem: you are paying R699 per month, yet your initial earnings are R165.

This means you are operating at a loss unless your team grows significantly.

Point 2 – Your Team’s Recruits

If each of your three recruits brings in their own three people, you now have 9 people at Point 2.

You earn R55 per person:

9 × R55 = R495 per month.

Even at this stage, your total earnings from Point 1 and Point 2 combined are:

R165 + R495 = R660 per month.

That is still less than your monthly membership cost of R699.

So even after recruiting three people, and they each recruit three more, you are still not profitable.

This is a major red flag that most people ignore.

Point 3 and Beyond – Where Earnings Drop Fast

From point three onward, your earnings start dropping quickly.

• Point 3 → R27.50
• Point 4 → R22
• Point 5 → R11
• Point 6 → R5.50
• Point 7 → R2.20
• Point 8+ → R1.10

This means that for you to earn a meaningful income, you need a very large number of people in your downline.

If you are already disgusted by the number, you sign up for My Free 7 Day Email Affiliate Bootcamp, where I will send training via email to learn how to earn commission only with recruting anyome.

What Happens If Everyone Recruits Only 3 People?

If everyone just duplicates the Duepoint system, this is what happens perfectly:

• Point 1 → 3 people → R165
• Point 2 → 9 people → R495
• Point 3 → 27 people → R742.50
• Point 4 → 81 people → R1,782
• Point 5 → 243 people → R2,673
• Point 6 → 729 people → R4,009.50
• Point 7 → 2,187 people → R4,811.40
• Point 8 → 6,561 people → R7,217.10

If we add all the point level you could be making R14,685.63 per month, but that won’t happen overnight, and not everyone will be committed to recruiting.

The Big Income Promise – The Famous 6,561 People Example

One of the most powerful marketing tools used by DuePoint is the example where everyone recruits only three people.

If this duplication continues perfectly, your network could grow to 6,561 people by point eight.

At R1.10 per person, that gives you R7,217.10 per month.

On paper, this looks very attractive. Many presentations suggest that this can happen within twelve months.

But now let’s talk about reality.

Perfect duplication rarely happens in real life.

People struggle to recruit. Many quit. Others lose motivation.

Some simply do not have the confidence or communication skills needed.

As more people join, competition increases.

The market becomes saturated. Fewer prospects are available. Growth slows down.

This means that the people who benefit the most are those who join very early.

Late joiners face an uphill battle.

Why Most People Fail in DuePoint

After reviewing many MLM and referral-based systems, one truth becomes very clear: most participants never make consistent money.

This is not because people are lazy. It is because the system itself is extremely demanding.

Every month, members must pay R699.

This creates financial pressure.

When recruitment slows down, many people struggle to justify this cost.

Recruitment itself is very hard. Most people do not enjoy selling. Most people fear rejection.

Many lack marketing skills.

Another big problem is that members do not build long-term digital assets.

When people leave DuePoint, they leave with no website, no audience, no brand, and no transferable business skills.

Where Is the Proof of Wealth Engineer Real Income?

One of the most important things I always look for is real income proof from real members.

I searched YouTube, Google, Facebook groups, blogs, and forums.

What I found was surprising.

I could not find consistent, independent proof of people earning serious money with DuePoint.

Most earnings examples came directly from company presentations.

This does not mean nobody earns.

But it strongly suggests that very few people earn a meaningful income.

If thousands of people were making good money, proof would be everywhere.

Is DuePoint a Pyramid Scheme?

Legally, DuePoint is structured in a way that prevents it from being classified as a pyramid scheme.

That is why insurance products are included.

However, when I analyse how money is made, it becomes clear that recruitment is the main driver of income.

This places DuePoint into the category of recruitment-heavy MLM systems.

History has shown that these models have very low success rates and high dropout levels.

Real Math Comparison: DuePoint vs Affiliate Marketing

Now let’s compare DuePoint with affiliate marketing using real numbers.

Imagine you promote a free affiliate program that pays $20 recurring commission per referral.

Now imagine you reach 6,561 people worldwide using YouTube, blogging, SEO, and social media.

If only 10% convert, that is 656 people.

656 multiplied by $20 equals $13,120 per month.

That is over R240,000 per month.

And unlike DuePoint, affiliate marketing has no monthly membership fees, no pressure selling, and a global reach.

This is why I personally choose affiliate marketing.

Why Affiliate Marketing Is a Better Long-Term Strategy

Affiliate marketing allows you to build real online assets. These include websites, YouTube channels, email lists, and social media brands.

These assets work for you 24 hours a day. They grow over time. They compound. And they can scale worldwide.

More importantly, affiliate marketing teaches you real high-income digital skills.

These skills stay with you for life.

If your goal is long-term income, financial freedom, and real business ownership, then affiliate marketing is a much smarter option.

If you are a beginner and do not know where to start, I created My Free 7-Day Email Affiliate Bootcamp.

It teaches you step by step how affiliate marketing works, how to build online income, and how to get your first commissions.

It is designed for beginners, written in simple English, and focused on practical results.

Final Verdict – Is DuePoint Worth It?

DuePoint is a legally structured MLM system built mainly on recruitment.

While a small percentage of people may earn, the vast majority struggle, lose money, or quit.

If you want a predictable, scalable, and sustainable income, affiliate marketing offers a far better path, and Wealthy Affiliate offers tools and training to build a successful online business with Affiliate Marketing…

Better yet, you can sign up for free to test the water, and that includes a website, keyword tool and 2,000 AI Credits to write a blog post like this one and generate images.

If you are a current DuePoint Wealth Engineer earning a consistent income, feel free to share your real results.

Transparency helps people make better decisions.

And if you want to learn how to build real online income without pressure selling, recruitment stress, or monthly fees, you are welcome to join My Free 7-Day Email Affiliate Bootcamp.

Disclaimer: This article represents my personal opinion based on experience, research, and financial analysis. Always do your own research before joining any business opportunity.