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PHP Nations，或稱人幫人，是基於斐波納的輪流儲蓄計劃

PHP Nations is devoted to helping people help each other. That is done with a Rotating Savings Plan mixed with the Fibonacci sequence. Order a plan from four choices that will be payed every half a month. The more you pay, the more is saved in the long run. Use the savings for any purpose, including paying the half a monthly cycle, or invest in other people’s projects. Invite friends and sponsor them to help cover contributions to then cycle.

The Rotating Savings Plan is a Fibonacci sequence. One person gets on and starts to save. When another person joins, the first person is pushed higher in savings. With four plans to choose from, 25, 45, 75, and 115, each resulting in higher savings, a person stays on the cycle as long as they have not reached the target number of their cycle. When they do, they restart from the bottom on the same plan, pushing everyone who used to be behind them up.

Inviting and sponsoring people can also give savings depending on which plan the invitee takes. The higher the savings plan of the invitee, the higher the Direct Referral earned by their sponsor. If a person invites and sponsors five people with the same plan as them, their cycle contributions would be completely payed off by the Direct Referrals. Because savings can be volatile (no guarantee as to where and when in the cycle), this is recommended.

There are a couple things to do with the savings. It can be harvested and turned into cash or reinvested in accounts that a person sponsors through the wallet. It can also be used to help other people with their projects.

That is PHP Nations. People Helping People.