For regulators, compliance professionals, and oversight bodies
Regulators welcome — and we mean that structurally, not as a slogan.
DoublePenniesOnline LLC operates under NAICS 541720 — Research and Development in the Social Sciences and Humanities. This page exists to give regulators, compliance professionals, and oversight bodies the direct line you need: how we operate, what safeguards we've built in, what classifications don't apply to us, and how we respond to inquiry. DPO is a U.S.-registered research company; Phase 1 participation is available in the United States and internationally with regionally-appropriate delivery instruments, and Phase 2 extends the research with two defined regional tracks. If you're here in an official capacity, you've reached the right page.
Our regulatory classification
DoublePenniesOnline LLC operates under one regulatory classification, and one only. Every operational decision we make flows from it.
This is our regulatory classification, not a marketing label. All programs, participant interactions, and disbursement activities are conducted strictly within a research and testing framework guided by principles that honor human dignity and responsible stewardship.
What DPO is not
Because DPO operates strictly as a research and development company, several common regulatory frameworks don't apply to us. We want to be specific about which ones — so the boundaries of what we are (and aren't) are clear from the outset.
Not a securities issuer
No securities are offered or issued. SEC registration as an issuer or under Regulation D / Reg A does not apply.
Not a financial institution
DPO does not accept deposits, hold funds for participants beyond the spending opportunity credit cycle, or operate as a bank. FDIC insurance does not apply.
Not a broker-dealer
DPO does not buy, sell, or facilitate the trading of securities. FINRA registration as a broker-dealer does not apply.
Not an investment advisor
DPO does not provide investment advice or sell financial planning services. SEC IA / state IA registration does not apply.
Not a money transmitter
DPO does not transmit money on behalf of participants. FinCEN MSB registration does not apply.
Not a multi-level marketing organization
There is no multi-level structure, no recruitment commissions, no downstream payouts. FTC MLM regulatory frameworks do not apply.
Not a charitable organization
DPO is not a tax-exempt entity. We do not solicit charitable contributions, and the $10 research fee is not tax-deductible.
Not a lender or credit issuer
DPO does not extend credit, issue loans, or report to credit bureaus. The Spending Account is a research-managed account, not a financial credit instrument.
A U.S.-registered Research and Development company studying household spending under NAICS 541720, with structural safeguards documented in writing. Phase 1 is capped at 20 orders × $500 = $10,000 maximum per participant, available to U.S. and International participants through regionally-appropriate delivery instruments. Phase 2 extends the research with two defined regional tracks (U.S. trust-based, International monthly).
Built-in safeguards available for review
DPO's safeguards are structural — built into how the program operates, not just promised in policy. Each is verifiable through the documents listed in the next section.
100% refund commitment
The $10 research fee is refundable at any time during participation, including after the $500 spending opportunity has been credited. Applies independently per order. Documented in our refund policy.
Stewardship enforcement by region
U.S. participants receive the Consumer Research Spending Card (CRSC) with merchant-category-code (MCC) restrictions enforced at the register. International participants receive the Consumer Research Spending Credit (CRSC — International) fulfilled through a DPO-curated essentials catalog. Both mechanisms reach the same outcome — non-qualifying categories (gambling, alcohol, tobacco, firearms, cash advances, cryptocurrency, etc.) are excluded. Full list → · Regional details →
No recruitment-based incentives
Participation is individual. No part of any participant's spending opportunity depends on bringing in others. No downline, no upline, no MLM structure of any kind.
Company-sponsored funding
Spending opportunities are sponsored by DPO's research budget — not redistributed from other participants. No participant funds another participant's spending opportunity.
Plain-English written terms
All participant-facing terms — refund policy, refusal policy, data handling, spending restrictions — are written in plain English. No buried clauses.
Documented cycles & planned transparency reporting
Each milestone cycle is internally documented. As participation scales, anonymized aggregate metrics will be published via a public Transparency Dashboard.
Documents available for regulator review
All public-facing documentation is linked below and openly available. Internal mechanism documentation (the exponential growth model itself) is protected as a trade secret; we'll discuss its operation under NDA with credentialed regulators upon request.
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Research Integrity & Transparency PolicyComprehensive statement of what DPO is, what it isn't, structural safeguards, and a side-by-side comparison with typical money-doubling scam patterns.
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Non-Qualifying Goods, Services, and EntitiesComplete list of merchant categories excluded from qualifying spending, with stewardship-grounded reasoning for each grouping.
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Privacy PolicyData collection, retention, and handling practices. DPO collects category-level transaction data only — never individual merchant or itemized purchase data.
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Terms, Conditions & NoticesFull terms governing participation, refund rights, spending restrictions, and the relationship between DPO and participants.
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Informed Consent FormThe consent each participant acknowledges before activating a Spending Account — covering research participation, data handling, and refund rights.
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Frequently Asked QuestionsComprehensive participant-facing FAQ across all aspects of participation, spending, refunds, data, and trust.
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Letter from DPOInstitution-voiced statement of DPO's mission, classification, and research purpose. Suitable as a primary orientation document for regulator review.
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Why Research?Five "why" answers explaining DPO's structural choices: why research vs. financial product, why the model is trade-secret protected, why the cap exists, why categories are restricted, why participation is voluntary and refundable. Each answer cross-references the relevant Terms section.
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Participation by RegionFull U.S. vs. International participation detail: delivery instruments, mechanism differences (MCC restrictions vs. catalog curation), eligibility (OFAC exclusions), and a side-by-side comparison table.
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Phase 2 PageDocumentation of the two defined Phase 2 tracks: U.S. trust-based + restricted-spend CRSC, and International monthly digital research support. Trust structure status noted.
For regulatory deep dive Reviewing why each safeguard is structured the way it is? Read Why Research? → for the design rationale behind each element.
Contact for regulatory inquiries
We respond to regulator inquiries with priority. For the fastest response, please use the email address below and indicate your agency or role in the subject line.
Response commitment: 1–2 business days for general regulatory inquiries; faster for time-sensitive matters. We will provide additional documentation, internal mechanism details under NDA, or schedule a call as needed for credentialed regulator inquiries.
We respond. We document. We adapt.
If a regulator identifies a gap in how DPO operates — in our disclosure, our safeguards, our communications, or our reporting — we want to know. Healthy oversight strengthens the research and protects participants. Reach out. We will engage substantively.
support@doublepennies.online →