If you carefully read all points posted by Whistleblowerfin and if you truly have an open mind, you will realize that indeed Onecoin is a fraud. There are not simply causes for concern. There are obvious signs if is a scam that can be seen by anyone with a truly open mind. I'm sure you think you want an open dialogue on Onecoin, but it would appear that unfortunately you have already been brainwashed by the Onecoin sales team and you were likely already a "member" when you posted this. Whatever you do with your own money is fine, but if you try to recruit others into the Onecoin trap, that is where you would cross the line morally as you would then be participating in the scam.