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The Police arrested a 49-year-old woman on 6 August 2026 in connection to an ongoing investigation involving the “Fun Coffee” platform, which is purportedly based in Vietnam. 

Preliminary investigations revealed that the woman had actively promoted the “Fun Coffee” investment scheme and recruited others to join the scheme. To participate in the purported investment scheme, users are required to install the “Fun Coffee” application and transfer Tether (USDT), a cryptocurrency pegged to the US dollar, into wallet addresses provided through the application. Users can subscribe to any of the investment plans listed within the application. The plans promise unrealistically high returns and offer additional commissions for recruiting others to join the scheme. Participants of the investment scheme in Singapore were subsequently unable to withdraw their funds through the “Fun Coffee” application.

The woman was arrested for the offence of promoting or participating in a multi-level marketing scheme or arrangement or a pyramid selling scheme or arrangement or to hold out that the person is promoting or participating in such a scheme or arrangement¹ under Section 3 of the Multi-Level Marketing and Pyramid Selling (Prohibition) Act 1973. If charged and convicted, the offender faces an imprisonment term not exceeding five years, a fine not exceeding $200,000, or both.

The Police advise the public not to make any further payments or transfers to the scheme, even when approached by individuals claiming to represent “Fun Coffee” or through requests made via the “Fun Coffee” application.

Members of the public are advised to be cautious when making investment decisions and adopt the following precautionary measures:

• Never remit funds to personal or unregistered accounts - legitimate investment operators will use a corporate bank account that can be verified through the bank’s official website or by calling the bank’s anti-fraud hotline. If a payment request is made via a private PayNow QR code, a personal mobile number, or an overseas account, treat it as a red flag and refuse to pay.
• Conduct independent checks on investment opportunities - 

• Ask questions to understand the investment opportunity. Be wary if the company is unable to answer or avoids answering any questions;
• Understand how benefits or profits are derived. Be wary if they depend primarily on recruiting others, directly or indirectly, to participate in the opportunity. Even when no underlying fraud exists, many countries including Singapore have laws prohibiting pyramid selling or multi-level marketing schemes;
• Confirm the company’s and representatives’ credentials through the Financial Institutions Directory, Register of Representatives, and Investor Alert List on the Monetary Authority of Singapore (MAS)’s website (www.mas.gov.sg);
• Check that downloaded applications are legitimate and available on the official application stores; and
• Check for user reviews and ratings of applications before downloading them, even if they are believed to be legitimate and are available on official application stores.

• Enable robust security on your personal accounts - activate two-step verification on your banking and e-wallet apps, set transaction limits that suit your daily spending, and consider using the Money Lock feature offered by most banks to restrict large outbound transfers without additional authorisation.
• Report suspicious listings promptly - if you encounter a dubious investment advertisement, you are encouraged to report the advertisement or user directly to the online platform hosting the advertisement.
  
  If you have any information relating to such crimes or if you are in doubt, please call the Police Hotline at 1800-255-0000, or submit it online at www.police.gov.sg/i-witness. All information will be kept strictly confidential. If you require urgent Police assistance, please dial ‘999’. For more information on scams, members of the public can visit www.scamshield.gov.sg or call the 24/7 ScamShield Helpline at 1799.