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Introduction

For much of late 2025 into 2026, a company calling itself Creative Walker Promotion Company (CWPC) built a visible presence in Ghana, recruiting tens of thousands of people into what it described as a “digital marketing” and online task-completion platform. Participants were told they could earn daily commissions simply by clicking on ads, “boosting” product listings, and reviewing merchandise online, with returns that scaled up depending on how much money they invested and how many recruits they brought on board. 

However, over the past few days, social media platforms have been flooded with complaints from users who say they can no longer withdraw funds from their CWPC accounts. 

Customer complaints on TikTok

Customer complaints from Facebook

It has become apparent that this was a Ponzi. This is not the first time such a scheme has turned users into victims, so how did it happen? What did they promise, and what does the unfolding situation mean for the Ghanaian economy?

What did CWPC claim to offer?

In its promotional materials, CWPC described itself as a company “founded in Sydney, Australia in 2025” and “jointly invested and established by” Amazon and Zara. Neither Amazon nor Inditex, Zara’s parent company, has any documented relationship with CWPC. This claim sparks a series of red flags about the organisation as it sought to borrow the credibility of internationally recognised brands. Yet, they continued to recruit more Ghanaians through WhatsApp, Facebook, and Telegram.  

The risky referral model

To get started, you need an invitation code from someone you know (your “supervisor”), which begins the pyramid structure with new recruits under a leader. That requires an initial deposit. At the ‘Intern level,’ you can access only 5 tasks per day. You see the commission you’ve earned, but you cannot withdraw it yet. To unlock more tasks and be able to withdraw your commissions, you first have to make a “work deposit.”

The larger financial incentive, however, sat in recruiting others: commissions grew as a member’s downline expanded. This means that income depended less on the sale of any genuine advertising service and more on a steady inflow of new deposits. 

CWPC advertised investment and returns schedule 

This structure is the defining feature of a Ponzi or pyramid scheme, which Ghanaian authorities, including the Cyber Security Authority and the Economic and Organized Crime Office, have previously cautioned against. Under such a model, payouts to existing members can only continue if new recruits keep joining. It collapses once recruitment slows.

According to the Cyber Security Authority, between January and June 2026, 352 such cases had been reported, resulting in a total loss of over GHS3 million. 

Media coverage 

Besides luring potential investors with the promise of 1,000%+ returns over a 12-month period, CWPC influenced media coverage to boost its public image. Following a massive flooding event in Ghana in 2026, CWPC organised and publicised donation drives, including relief items distributed to flood victims in Accra. The event received extensive coverage from TV3, including a TikTok video, and from 3News and Facebook, with live coverage. 

The company similarly made donations to the Ghana Prisons Service.

Ghana Prisons Service Facebook post on CWPC donation

Weeks before CWPC’s operations collapsed, some users reported receiving messages from team leaders via WhatsApp about Social Security and National Insurance Trust (SSNIT) “requirements” that obliged them to have at least 85% of its Ghana workforce complete the Know Your Customer (KYC) verification process, and warning that accounts could be deleted if targets were not met. SSNIT does not license, regulate, or set KYC quotas for private digital marketing or investment platforms, and it has no documented partnership with CWPC. 

SSNIT response to customer via Facebook 

Where things stand now

It is clear that those who have invested funds in CWPC have lost their money. As of Sunday, July 19, 2026, CWPC’s website has gone offline. 

Website runtime test results via onlineornot.com

No government agency has so far made any definite comments about CWPC. Thousands of households have lost savings that would otherwise have been spent or invested elsewhere through this scheme. Unfortunately, this would lead to a further decline in trust in legitimate digital investment platforms.