Peer to Peer System: There is no central account where members donate funds to as you are matched with another member and you pay funds directly to his/her account. There is no record of you investing any funds into the organization and therefore you have no claims against it. This doesn’t mean that the promoters do not match their agents to get help without providing same until their targets are met. After all they control the back end and determine who gets matched to whom.
Donation as narration on payment instrument: A member is instructed to write donation as purpose of payment when remitting funds to another member. Donation is not an investment thereby forfeiting all claims to funds and the organization can as well decide not to payback.
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