The FL System, short for Financial Liberation System, is pitched as a secret platform that pays you over $1,100 per month without lifting a finger. The sales video claims you can choose a withdrawal date, get instant deposits, and watch your income grow thanks to something called “institutional arbitrage.”
It sounds like free money—but does it really work?
Before I start…
After more than 15 years of testing countless ways to make money online, I’ve narrowed it down to one model that consistently works.
It’s simple, scalable, and beginner-friendly. If I had to start all over again today, this is exactly what I’d do.
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Key Takeaways (If you are in a hurry!)
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The FL System claims you can earn $1,142.67 a month (or more) by skimming small amounts from international banking transactions.
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The explanation uses jargon like “institutional arbitrage” and “Federal Reserve-grade encryption,” but provides no real proof.
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The supposed founder “Richard” claims to be a Yale grad and ex-banking architect, but no evidence of him exists outside the sales page.
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The system requires upfront fees ($17 plus upsells), meaning that’s where the money really comes from—not banks.
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VERDICT: The FL System is a scam. It’s a funnel built on fake backstories, hype, and hidden costs.
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What Is the FL System?
The Financial Liberation System is presented as a way to tap into global banking flows and redirect profits into your account. The video says you’ll get monthly payouts of $1,142.67, or even more if you select a later withdrawal date. The dashboard flashes figures like $38,472.23 to make it look convincing.
The problem? This isn’t how banking works. There’s no secret loophole that lets random individuals siphon money from wire transfers or SWIFT transactions.
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Who’s Behind the FL System?
The pitch is fronted by a man calling himself Richard, who claims to have been a former banking systems architect, Yale graduate, and employee at firms like Morgan Stanley and Bank of America.
But there’s no evidence he exists. No LinkedIn profile, no professional history, nothing. The character of “Richard” appears to be invented purely to sell the story.
How Does the FL System Claim to Work?
The explanation given is that the FL System taps into “institutional arbitrage,” which supposedly allows it to skim pennies from international transactions. Those pennies then add up to monthly payouts of over $1,100.
To make it sound official, they sprinkle in terms like “Federal Reserve-grade encryption” and “global liquidity pathways.” In reality, none of this adds up. Banking systems are highly regulated, audited, and encrypted. Money doesn’t just leak into personal accounts.
The real business model becomes clear when you try to activate your account. You’re asked to pay $17 for access, followed by upsells like “lifetime updates” for another $19. The only money moving is from buyers to the program creators.
Red Flags in the FL System Pitch
This program hits nearly every scam marker:
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Oddly specific payouts: $1,142.67 per month is designed to sound precise and credible.
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Fake urgency: Messages about only “18 spots left” create false scarcity.
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Emotional testimonials: Characters like Gerald, Margaret, and Roberto appear in generic stories that can’t be verified.
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Hidden fees: Despite being marketed as free, you must pay $17 upfront plus additional upsells.
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Invented founder: No proof “Richard” has the background he claims.
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Pros of the FL System
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Professional sales video production
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Low initial cost that tempts beginners
Cons of the FL System
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No evidence the system or founder is real
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Impossible business model with fake jargon
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Relies on urgency, scarcity, and emotional manipulation
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Requires upfront fees with upsells that provide no value
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Testimonials appear fake and unverifiable
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Better Alternatives to the FL System
If you’re drawn to systems like this, it’s likely because you want predictable, passive income. The truth is no banking loophole will ever provide that. But you can build reliable online income through legitimate methods:
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Affiliate Marketing with Real Traffic – Drive visitors to offers via YouTube, blogs, or social media.
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Local Lead Generation – Create simple websites that generate leads for small businesses.
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Freelancing with AI Tools – Use ChatGPT, Canva, or automation platforms to provide real services that people pay for.
These require work, but they’re proven, transparent, and sustainable.
Final Verdict: Should You Try the FL System?
The FL System, or Financial Liberation System, is not legitimate. It’s a funnel built on fabricated backstories, fake urgency, and impossible promises. The only money being made comes from upfront fees and upsells, not from any banking “arbitrage.”
Save your $17 and put your energy into proven online business models instead.
Before You Go…
If you’re serious about building a real online business—something simple, proven, and scalable—skip the gimmicks and focus on a model that actually works.
After 15 years of testing, there’s only one approach I consistently recommend above everything else.