“It’s fucked up … it’s all bullshit.”
“I’m ashamed I was even a part of it.”
Any business that leaves this impression on its ‘employees’ seems sure to fail. For one start-up, however, these feelings are just the tip of the iceberg.
The most striking thing is the view. To the left, Marina Bay Sands sparkles in the afternoon sun, the ArtScience Museum unfurls its petals, and the Gardens grow towards the sky. On the other side, the CBD’s myriad skyscrapers slant heavenward, glinting like dark jewels. In between, though, the true marvel: an unrestrained view of the horizon, where the glittering sea goes on and on until the sky falls to meet it.
It’s hard not to be overwhelmed by the sight. It screams Hope, Opportunity, Riches—all await you, if only you’re willing to reach out and take it.
I’m here to meet Jordan Kang at the office of I Care System (ICS), a new business platform that is set to launch in April this year.
The first thing they tell me about is the ‘delay time’.
“The guy who invited me, he made me wait one hour,” complained Andy, “They’ll say they’re in a meeting or something. I think it’s a tactic they use to make you feel curious at what they’re doing, as though it’s important.”
“Yes, it is a tactic,” Mirza confirmed, explaining that he was directed to do so by his superior, ICS ‘Star Achiever’ Chanuja Sedara: “I was told to get the client to come in at 7. From 7-7:30, we were to do our pre-appointment flow.”
This ‘pre-appointment flow’ is jargon for a discussion held between affiliates of ICS before meeting the prospect; Chanuja is effectively directing his subordinate to make the potential recruit wait for half an hour, delaying the meeting. Which seems to be company policy.
Jordan is over forty-five minutes late for the meeting, or ‘sharing session’, as ICS representatives call it. He meets me in the lobby, apologising profusely, explaining that he’s been very busy in meetings all over the place.
The ICS office is located on the 28th floor of the Clifford Centre, in a shared space with several other companies. After I’ve gotten over the view, Jordan shows me around the sharing room. There are displays for the products that ICS affiliates sell: EuroCuffz tailored shirts, LittleGreenBee honey, GERBayer skincare, 300 Percent Positive training, and 500k Numerology.
“How do we know each other?” Jordan asks me. Instagram, I reply.
“Right, Instagram. I actually meet most of my affiliates through social media. It’s the new big thing.”
The New Big Thing
Several weeks ago, I’d been idly scrolling through Instagram when I happened on Jordan’s profile. A stray like on an old photo (curse you, butterfingers!) prompted a quick direct message from the man himself:
After the brief office tour, Jordan invites me to take a seat in one of the seminar chairs. The view is always right next to me, which must be intentional; promises of vast lifestyle improvements are at the heart of ICS’s proposal.
Presenting this lifestyle has become much easier with the advent of social media, especially Instagram, which Jordan notes is an invaluable tool for network marketing.
With photos of Mirza’s superior, Chanuja, attending high-class events, or in a spanking new convertible BMW, the selling of image has never been simpler.
Accompanying these images are captions like:
He works an 8-5 job, but no matter how much harder he works, any gains from his efforts go straight to the shareholders. Jordan spells it out for me: “Your parents have been working their whole lives, but do they make $10k? No!”
“Young people like you have maybe five, ten years until you get tied down. Family commitments, wife, kids. We have ten years to really do something.”
This is why the key demographic for ICS recruiters is 18-25, Jordan adds. Proudly, he tells me about their new intake of affiliates, who have just finished polytechnic or National Service. It seems that they zoom in on people in between phases—people who are unsure, uncertain of their path in life; who see nothing in their future but a dead-end job, rising costs, and stagnating wages. Detailing these issues makes up the first half of Jordan’s sharing.
“The problem with entrepreneurship is 9 out of 10 times you fail,” says Jordan. Starting your own business, according to ICS, is a high-risk, high-reward enterprise. You can try, but you probably won’t succeed.
The only logical option is the third: joining a ‘new world’ platform like ICS, which promises to share the profits with all employees as “everyone is a partner working together on the platform.” At this point, I’m still confused, wondering when exactly the actual business model will be revealed.
I’m not alone in feeling this. Andy was thoroughly confused during the sharing session he attended.
“They were speaking in circles”, he says, “Going on and on, not explaining anything”.
If he was so bewildered, I ask, why did he sign up?
“I was bamboozled.”
A Legitimate business?
The ethos of success is enshrined in ICS’ partners, or as Jordan refers to them, the ‘big bosses’. While world leaders may be famous, the truly influential are often difficult to locate, he explains.
This is why I’ve never heard of the biggest boss; ICS’ frontman, Jordan’s mentor, the subject of his own promotional ‘trailers’; the man known as Dato’ Seri Bryan Fan.
When we reached out to Gravitas Law for comment, they replied that they are the solicitors for a “Messrs Fan Ren Rey and Fan Ruicheng”.
Rumours have been floating online about Bryan’s brother, Rey Fan, so we can assume that ‘Fan Ruicheng’ is the real name of the man known under the monikers of Bryan, Bryannz, or Brainns Fan. However, he is only ever referred to as ‘Dato’ Seri Bryan Fan’, a title that sounds impressive and legitimate, but Malaysian media suggests that it can be bought for as little as SGD$14,000.
This (appearance of) legitimacy is critical to ICS’ success. To do his part, Jordan devotes a lot of his social media messaging to naming MPs who have attended events that he, an ICS affiliate, has also attended:
First off the bat is 300 Percent Positive (300k), their ‘positive training’ business, but it’s not hard to see where most of their clients come from. Just head on down to the testimonials page of their website, and you’ll see some familiar faces: Jordan, Chanuja, and Selva, alongside others who are easily identified as fellow ICS affiliates. It appears that the consumers of 300k’s training are the ‘employees’ of their parent platform.
Unsurprisingly, Fan Ruicheng is also a coach at 300k.
“No, it’s not actually linked to Bayer”, said Jordan, “But [our product] is also from Germany.”
It appears that this wasn’t always their position; social media posts from ICS affiliate Zack Ho back in May 2018 tell a different story:
Third on the list is LittleGreenBee (LGB), a particular variant of honey produced by ‘stingless bees’.
A call to LGB headquarters puts me in touch with its founder: a certain ‘Dato’ Sri Jeroen Chew’. If the name sounds familiar, it should: Jeroen and his father, Hon Chin, are the father-and-son exorcist duo at the heart of Singapore’s very own ‘Ghostbusters’ company.
I ask Jeroen whether LGB is partnered with ICS, and he replies that he “does not know of [ICS]”, but that they “could be just a vendor”.
The Pay Scheme
They talk a lot about sales, but despite the four consumer-facing brands that are marketed by ICS, the only business available to lower-ranked ICS affiliates is the recruitment of others onto the ICS platform. Or, as ICS terms it, ‘referrals’.
“You can’t sell once you go in. You have to attain a certain ‘affiliate’ level to sell products; the only way to get there is to recruit people,” says Andy, which makes ICS sounds awfully like a Multi-Level Marketing (MLM) company.
MLMs are legal in Singapore; they even have their own trade association, the Direct Selling Association of Singapore (DSAS), an Institutional Member of the Consumers Association of Singapore (CASE).
ICS, however, is not a member of the DSAS.
MLMs are legal as long as the monetary transaction involves the ‘sale’ of a product. In this case, when Andy and Mirza signed up, they were rewarded with (or rather, ‘sold’) four EuroCuffz shirts.
Cuffz Holdings, the holding company that owns EuroCuffz, is notably on the MAS Investor Alert List as an “Unregulated Person(s)… who are not licensed or authorised by MAS.” One of the Directors at Cuffz holdings is none other than a ‘Bryannz Fan’—that is to say—Fan Ruicheng.
This means that proceeds from the ‘sales’ of these shirts are indirectly received by Cuffz Holdings (Eurocuffz’s owner), which pays Fan Ruicheng (to be Cuffz’s director), who is also the man in charge of ICS.
Jordan himself admits that similar network marketing enterprises may, in fact, be Multi-Level Marketing (MLM) companies.
“But that term is from 50 years ago,” Jordan says, “We are not an MLM.”
James tells me that ICS affiliates “use network marketing, with the binary comm plan to show that [new ICS recruits] can earn what others earn”.
He is referring to a binary compensation plan, which is known to MLM lawyer Spencer M. Reese as “the darling of startup multilevel marketing companies”.
So what exactly is a binary compensation plan? Jordan explains, with the help of a pen and paper.
“Once you balance out both legs, you get a 7% commission on the 100-odd people in your earning leg; 7% of $168k is around $9-10k.”
In the binary compensation plan, an affiliate has two legs: A, the power leg, and B, the earning leg. There is little distinction between the two, and affiliates are free to allocate their recruits to either leg. However, an affiliate can only earn a commission on recruits allocated under the ‘shorter’ leg, or the leg with less people, which will be the earning leg. Hence the ‘longer’ leg is called the power leg.
To my mind, this system is ripe for abuse. Hypothetically, affiliates can be encouraged, by their superiors, to recruit under the power leg so that they will not get paid for their recruiting activities. This means that even if they get disillusioned and quit ICS after several recruitments, they have successfully recruited their friends, earned money for the company, and not been paid a cent for it. But that’s just my opinion.
Under the plan, you can supposedly earn $10k in 3 months, and earnings will multiply from there on out through the pyramid effect.
Jordan’s comments seem to indicate that the commission is kicked up three levels, hence at least 21% of the sign-up fee is paid to ICS affiliates. So far, the proposition sounds excellent for the individual who is signing up. Just recruit a few friends, and start earning.
The Friend Connection
Andy was recruited by a close friend, Indra (not his real name), an ICS affiliate and subordinate of Chanuja’s.
“When I signed up, I wasn’t thinking about the money. I was thinking about how much I trusted Indra.”
Mirza has a similar story, “Indra and I had been looking for jobs together, so when he told me about this opportunity, I assumed it was legit.”
During the sharing session they attended, only Indra and his superior, Chanuja, were present. After Chanuja’s sharing, Andy says that he was “pressured into joining by Indra”.
They both signed up for the $1,688 care affiliate package. During the sign-up, Mirza was “already doubtful”, but trusted his friend and decided to pay anyway.
They were added to WeChat groups that only included four people: themselves, their recruiter (Indra), and two superiors, Chanuja and Selva. Soon after, they attended an ICS training session to learn the tactics of ICS recruiters.
ICS recruits who want to broach the subject to their friends are advised to describe the platform as a new opportunity they’ve just discovered. Additionally, they are told to probe for the prospect’s budget, and how much they’d be willing to pay for signing up with ICS.
Selva told Mirza not to “give them the company name” as they will simply “search [it] online”. Instead, affiliates should say that it’s a collaboration with plenty of companies, that it will take very long to explain. Instead, their friends should should come for the sharing session.
In this way, ICS prospects are dissuaded from finding out more for themselves before being influenced by the mind-bending pitch that I received from Jordan earlier.
Mirza shows me eChat messages from his superiors, Selva and Chanuja, instructing him on how to interact with his prospects.
“Add a paragraph”
“Put a smiley”
“Send [the message] to me first so that I can verify before you send him”
When it’s time to complete the sell, Andy explains how affiliates are taught the ‘Two Options Approach’. For example, when inviting a prospect for a sharing session, say:
Andy only later realised that similar tactics had been used by Indra to manipulate him into attending.
A friend of Mirza’s, wary of the company, asked him how much money he had made in ICS. In a voice message, Chaunja instructed him on how to proceed:
“This is a very positive question, means it’s a buy-in question. Very simple, how to reply him: you can say ‘I’ve started on this for a few weeks already, so I’ve made a few hundred already, but I’m looking to make 1-2k by the end of this month’ … The story is better. ”
This was a lie. Mirza had not made any money. He complied anyway.
“The reason you want to say you’ve made a few hundred,” Chanuja explains, “Is that today, people are funny … Some people want to see if you got earn money, then they will join. It makes the person feel that this business can make money … So if you give them affirmation like that, it’s good.”
Andy tells me that affiliates are encouraged to lend the sharing session an air of exclusivity by claiming that they “only asked a few people”, and that there were “just a few seats left” to snag an ICS sharing, as Indra had done to him.
This was also a lie. Andy later found out that he was just one of almost three hundred people that Indra had invited.
This was why Mirza and Andy decided to quit ICS.
“I was looking at these people I was messaging, and I realised these guys were my friends,” said Andy, “I realised that [the problem] wasn’t Indra, but the methods they taught him to use—and his willingness to use them on me.”
“I’m ashamed I even joined.”
Mirza was more explicit.
“I was trying to get out, so I let [Chanuja, Selva and Indra] know that my father advised me to leave. They told me not to listen to him, as the platform would help me provide for [my parents].”
“It’s fucked up. I would have been making money at the expense of other people … dragging them into it as well.”
He knew that he’d made a mistake after another friend confronted him. “I realised that it’s all bullshit.”
Since learning more about ICS, James has decided to leave as well.
“Fuck me, I’m out [of ICS]. Never, ever again.”
What do they have to say?
I wanted to get the opinion of an active ICS member on these findings. Unfortunately, after repeated messages to Jordan on Whatsapp and Instagram, asking to meet up, I only got one reply: “Been busy bro!”
Determined, I tried to catch Indra during a meeting with James. Shortly after Indra arrived, Chanuja happened to walk by, and spontaneously decided to join us.
If there’s one thing I’ve learned when dealing with ICS, it’s that there are no accidents.
My first question: What did they think of ICS’ sign-up model—of using Fan Ruicheng’s platform to buy shirts with recruits’ money; shirts made by Fan’s company; effectively Fan paying himself?
Indra answered that fast food chains, like the one we were at, had a similar business model: employees sell the boss’s burgers and get paid by the boss.
“That’s just business. Every company does it.”
“That’s just business.
Every company does it.”
Chanuja replied that their policy is complete honesty. Affiliates are instructed to “tell the prospect how they intend to break even by the end of the month, like how Indra broke even in 1-2 weeks.”
“It’s a big business, with many groups. I’m not sure how other groups do things, but that’s not how we do things in our group. We’re completely honest.”
“That’s not how we do things in our group. We’re completely honest.”
I asked about the company policy of being late. Again, Chanuja said that there was no such policy.
I also inquired about the binary compensation plan. I explained my understanding of the plan, as described above, and asked if I had made any mistakes.
“Yes, I would say that this is incorrect. The full plan is available on our portal, it’s completely transparent,” answered Chanuja.
In other businesses, I replied, employees are not usually required to pay $1,688 to merely understand the payment model of the company.
“You must understand, all of our material is on the portal. It’s all copyrighted, we can’t just share it.”
Later, James describes to me what he finds on this portal: tabs for ‘rewards’, account management, partnerships (with the abovementioned companies), and a news feed.
James tells me that an affiliate only finds out how much he’ll be paid once he actually completes several recruitments. The portal didn’t help him understand the payment model any better.
Back in the interview, Chanuja changed gears, asking me a question of his own: “Are you thinking of coming on the platform?”
I answered that I was considering it, and I was trying to find out more.
“The thing is, we’re just a referral scheme, just like Lazada. You know, like how they have affiliates, and you can earn money by referring people to the platform.”
Continuing his explanation, Chanuja spelled out to me how the recruitment of affiliates is also considered sales, and that some affiliates might not join the platform to earn money, but to enjoy the products and come for the training. It strikes me that the word ‘affiliate’ is exceptionally useful in blurring the lines between ‘employee’ and ‘customer’; ICS makes assurances to recruits as though they were the former, and sells them products as though they were the latter.
“I’ve been to many companies, seen many companies, like Herbalife, NuSkin. That’s how I know that [ICS] is really the best platform. Since you’re so interested, maybe you should check out those companies, and see how they do things?” Chanuja said.
Interestingly, ICS affiliates choose to see it as a Lazada-like platform, but, when criticised, compare it only against the MLMs that they claim to be so different from.
Andy and Mirza say that ICS affiliates genuinely believe that their scheme is positive and wholesome. Having this faith, however, and working hard to reap returns from it, does not negate the dubiousness of the scheme’s business model, or the reliance on subterfuge and deception.
1. Fan Ruicheng created a business platform that recruits people based on a seductive pitch that heavily employs enterprise and success in its messaging, implying that they will reap vast rewards
2. In joining, they pay a sign-up fee to ‘purchase’ products that Fan profits from, but they do not know this.
3. He does not have to pay these recruits; they will earn only if they persuade their friends to join the platform.
4. To get friends to sign up, Fan’s subordinates instruct recruits to mislead, pressure, or outright lie to their friends in order for the organisation—and Fan—to turn a further profit.
5. Repeat steps (1) through (4).
Just because this business holds some charity events; just because it doesn’t overtly scam individuals for large sums of money; just because it is ‘technically’ a legal enterprise, does that make its more questionable elements acceptable?
Such a company survives not on the name of its business, but on the charisma of its members. If their platform collapses, the Chanujas, Selvas, Jordans, and Ruichengs of the world will just close shop and set up elsewhere. As Chanuja himself told me, there are many industries with business models like ICS. Business models that exploit unequal information; from insurance to retail to whatever the hell NuSkin is.
Learn from the mistakes of Andy, James and Mirza. Be informed, and question everything.
Have something to add to the story? Should companies like this be allowed to operate in Singapore? Write to email@example.com.