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HYIPs are often structured as Ponzi schemes, which means that new investors' money is used to pay off earlier investors. This can work for a while, but. HYIPs are Ponzi schemes sold by unlicensed individuals. In the past, con artists relied on word of mouth to lure investors into these investments. Now they rely. A high-yield investment program (HYIP) is a type of Ponzi scheme, which is an investment scam that promises an unsustainable high return on investment. You must pick reputable HYIPs that are respected among modern investors. Stay away from investments that sound shady.a lot of things that you'll need to. HYIP is High Yield Investment Program, similar to whatever other speculations opportunity, which pays you a rate of your contributed funds.