Turn Clicks into Cash Flow

Sign up once, let our AI handle Facebook, Instagram & TikTok ads, and watch your passive income grow — 100% hands-free.

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AI automates your income

How It Works

Create Your Account

Sign up on CFATM.com and choose a one-time Startup Package to unlock your dashboard, earnings, and lifetime access.

Get Your Affiliate Link

Instantly receive your personal referral link — ready to start tracking every click, signup, and sale.

Earn Commissions for Life

Earn 50% on direct referrals, 5% on level 2, 10% on level 3 — and 5% on level 4 if you activate at least the Premium AI Ad Budget Plan.

Activate AI Ad Budget (Optional)

Let AI drive traffic to your link and generate commissions on autopilot. More budget = more reach = more passive income.

Commission Levels

LevelYour Commission
Level 150%
Level 25%
Level 310%
Level 4 (Premium Plan only)5%

You earn commissions on every qualified purchase across your 4-tier network. That means every person you refer — and everyone they refer down 4 levels — can generate lifetime commissions for you.

These commissions apply to every qualifying transaction: from the paid Startup Package to any future upsells purchased by your referral network. Level 4 is unlocked only with at least a Premium AI Ad Budget plan.

Illustrative Earning Potential

Let’s say you refer just 5 people — and each of them does the same — all at the paid Startup Package ($100 Limitless Access Package). Here’s how your commissions stack up:

  • Level 1: 5 referrals × $100 × 50% = $250
  • Level 2: 25 referrals × $100 × 5% = $125
  • Level 3: 125 referrals × $100 × 10% = $1,250
  • Level 4: 625 referrals × $100 × 5% = $3,125

Total: $4,750 *

This doesn’t include upsells or ongoing purchases — those can multiply your earnings even further. And with our AI Ad Budget, your referrals can keep growing even while you sleep.

* This is a sample scenario. Actual earnings vary based on traffic, conversions, and ad performance. See Earnings Disclaimer for full details.

Why It Works

Our system turns a small ad budget into big potential by using AI to target and convert new leads. You can scale up or down anytime. It’s affiliate marketing — automated.

Turn $100 into Ongoing Commissions

Sell CFATM just once and earn up to 4 levels deep — forever. Our AI markets for you automatically, so even one sale can trigger a growing chain of passive income. You earn commission on every paid Startup Package and all future upsells. This is your Cash Flow ATM.

Activate My ATM

Startup Packages

A one-time payment unlocks lifetime earning potential. Pick the Startup Package that fits your goals — no monthly fees required.

Limitless Access

$100 one-time

  • Affiliate link + full dashboard access
  • Earn commissions on Levels 1 to 3, Level 4 (with at least a Premium AI Ad Budget plan)
  • Lifetime license to the AI Marketing Engine — no monthly fees
  • Unlocks AI ad automation
  • Unlocks passive income system
  • Bonus course: Meta Ads Made AffordableThis course is designed to help you master Meta Ads and run successful campaigns that deliver real results. It provides step-by-step guidance, practical exercises, and powerful AI-driven tools to plan, create, and optimize Meta Ads campaigns effectively, even with a small budget.

Limited Access

$0

  • Affiliate link activated
  • Earn commissions ONLY on Level 1 (50%)
  • Limited dashboard access
  • No AI Marketing Engine
  • No AI ad automation
  • No passive income system
  • No access to multi-level commissions

The paid package, Limitless Access, includes secure affiliate tracking, license to the AI Marketing Engine, AI Ad budget, and instant access to your referral dashboard.

AI Ad Budget

Load up your Cash Flow ATM — every dollar you drop in becomes AI-powered ads working for YOU. No cuts, no fluff — just nonstop promotion of your link. Want bigger payouts? Upgrade anytime and watch the cash flow in.

DIY

Market yourself, no AI, no passive income, no Ad budget.

$0/mo

Basic

Our AI uses your $29 to run ads and generate passive income for you.

$29/mo

Standard

AI spends $49 each month to market your affiliate link — fully automated.

$49/mo

Premium

Unlocks Level 4 Commissions

Boost reach with $99/month in AI-optimized ads. Set and forget.

$99/mo

Custom

Unlocks Level 4 Commissions

You choose the budget ($100+), we scale your reach with powerful AI.

$100+/mo

Real Earning Potential — Simplified

Let’s say you choose the $49/mo Standard AI Ad Budget. That amount is used entirely to run paid ads — handled by our AI — promoting your unique referral link.

If your ads generate just 1 sale at each level (Levels 1–3) this month, you’d earn:

$50

Level 1
Your direct referral

$5

Level 2
Their first referral

$10

Level 3
Their referral’s referral

That’s $65 earned from a single referral chain — a $16 net profit on your $49 ad budget.

Annualized, that’s $192/year — a 391.84% annual return — on just $49 paid once.

Since your future ad budgets are covered by earnings, you’re only ever out-of-pocket for the first $49. That means your money keeps working without you having to pay again.


Now imagine you upgraded to the $99/mo Premium Plan, which unlocks a Level 4 commission:

If your ads generate just 2 sales at each level this month, here’s your earning breakdown:

$100

Level 1
2 direct referrals

$20

Level 2
4 second-level referrals

$80

Level 3
8 third-level referrals

$80

Level 4
16 fourth-level referrals
(Premium Plan Only)

That’s $280 total earned — a $181 net profit on your $99 ad budget.

Annualized, that’s $2,172/year — a 2,193.94% annual return — on just $99 paid once.

Your ad budget renews from your commission balance, so most users only pay once out-of-pocket. Once active, the system reinvests your balance automatically — making this a truly hands-free affiliate engine.

* All earnings are illustrative. Actual results depend on ad performance and referral activity. See Earnings Disclaimer for full details.
Your Cash Flow ATM Is Waiting

The sooner you activate your ad budget, the sooner commissions start rolling in. Let the AI flood your funnel.

Start Earning on Autopilot

High-Impact Upsells = More Commission for You

All upsells pay you the same 50/5/10/5 split — at signup or anytime later. Promote once and keep earning.

Social Marketing Mastery

$299
  • Instagram Ads SuccessThis ebook equips you with the tools to run successful Instagram ad campaigns, helping you reach their target audience and boost your brand. It provides step-by-step instructions for creating engaging ads, setting goals, and optimizing campaigns to grow your business.
  • Facebook Ad MasteryThis ebook and audio offers a complete guide to mastering Facebook Ads, covering everything from basic setup to advanced strategies. It teaches how to create successful ad campaigns that drive results.
  • Create Converting Ads on TikTokThis guide helps you create high-converting TikTok ads by providing clear, step-by-step strategies for capturing attention, engaging audiences, and optimizing ad performance. It simplifies the process of developing compelling video content that aligns with TikTok’s unique style and audience behavior.

Social Marketing 101

$399
  • Facebook Retargeting SecretsThis ebook gives you the tools and knowledge to use Facebook retargeting to boost sales and brand awareness. It provides step-by-step instructions for setting up campaigns to re-engage interested audiences and turn leads into loyal customers.
  • Instagram Marketing EfficiencyThis ebook equips you with essential knowledge to improve your Instagram marketing strategies and grow your business. It offers clear instructions on optimizing Instagram profiles, creating engaging content, and running successful ad campaigns that increase visibility and attract more customers.
  • TikTok Ad Training KitThis video, audio, and ebook kit equips you with essential knowledge to create successful TikTok ad campaigns and grow your business. It provides step-by-step instructions on setting up ads, targeting the right audience, and optimizing performance for maximum results.

Video Ad Domination

$299
  • The 6-Day YouTube AcceleratorThis course gives you a proven, easy-to-follow system for launching and growing successful YouTube ad campaigns. It teaches you how to build strong ad strategies, create videos that get attention, target the right audience, and turn viewers into loyal customers. As you learn, it also helps you upsell your services and position yourself as an expert.
  • Viral Video MasteryThis ebook teaches you how to create viral short-form videos that capture attention and drive engagement across social media platforms. It offers simple strategies for crafting videos that people love to share, using storytelling, music, trends, and more to make an impact.
  • TikTok Viral MarketingThis ebook equips you with essential strategies for mastering TikTok marketing and growing your businesses. Packed with practical insights, it provides clear, step-by-step instructions for creating engaging content, building a strong presence on the platform, and leveraging TikTok’s unique features for maximum impact.

Funnel Mastery

$199
  • Crafting Funnel Strategies That ConvertThis course gives you a structured, easy-to-follow system designed to help you craft high-converting ad funnels.
  • Funnel MasteryThis ebook is designed to help businesses master the art of building effective sales funnels, leading to higher conversions and more profitable outcomes. It provides clear, step-by-step guidance on creating funnels that turn leads into paying customers, ensuring you can grow your business with ease.
  • The Funnel That SellsThis 4-part podcast series helps you understand how to build smart content funnels that turn more clicks into real sales. It’s made for business owners and marketers who feel stuck with low conversions and want simple, clear steps to improve their results without getting overwhelmed.

Email Profits Bundle

$399
  • Cold Email Marketing - BundleThis bundle is designed to help you master cold email marketing and achieve meaningful connections with your audience. It provides practical strategies, exercises, and tools to build targeted email lists, craft compelling messages, automate follow-ups, and track performance for improved results.
  • Email Sequences Template Packhe template pack provides a wide range of email templates to streamline marketing and business communication. From webinar invites to abandoned cart emails, product promotions, and affiliate offers, these templates help you engage your audience, boost conversions, and simplify your email campaigns.
  • Power of Email MarketingThis ebook is a complete guide to email marketing, showing you how to connect with customers and boost sales. It's packed with practical strategies, tips, and tricks, teaching marketers how to craft effective email campaigns that deliver great results.

Ultimate Ad Strategy

$699
  • The Ultimate Ad Platform Strategy BundleThis bundle is designed to help you master ad platform strategy and make informed decisions about where to invest in digital advertising. It provides essential strategies, tools, and frameworks to choose the right platforms, optimize campaigns, and maximize results.
  • High-Performing Paid Marketing StrategyThis ebook teaches you how to build a high-performing paid marketing strategy by using proven systems, smart tools, and clear goals. It shows them how to create powerful ads, pick the right platforms, target the right people, and measure results, without wasting money.
  • Instagram Ad Templates and WorksheetsThe templates pack helps you streamline the creation and optimization of Instagram ads. It includes ready-to-use templates, worksheets, and checklists to guide you through planning, designing, and executing successful ad campaigns, enhancing engagement and driving conversions.
Start Earning from Every Upsell

Upsell commissions come in forever — even from your downline. Stack your earnings with every new buyer.

Unlock the Vault

Frequently Asked Questions

Earnings & Commissions

You earn commissions on real product sales — the Limitless Access lifetime SaaS license and our course bundles — across your referral tree. Eligible commissions are paid up to 4 levels deep (50% • 5% • 10% • 5%, with Level 4 requiring at least a Premium AI Ad Budget plan). Commissions are tracked and credited automatically in your wallet.

Yes! Anytime someone in your referral tree buys a qualifying upsell (e.g., course bundles), you receive your share of the commission — even months later. It’s persistent, product-based income.

No. You can, but it isn’t required. If you choose an AI Ad Budget plan, the system automatically runs campaigns that promote your referral link. You can also share manually if you want an extra boost.

Eligible commissions are paid up to 4 levels deep (50% • 5% • 10% • 5%, with Level 4 requiring at least a Premium AI Ad Budget plan) from product transactions: (1) the $100 Limitless Access lifetime SaaS license, and (2) course bundle sales across your referral levels.

Commissions are credited instantly and tracked in real time on your dashboard. Once your total earnings reach the $100 payout threshold, you can request a withdrawal which is paid out via Stripe Connect.

Payouts are processed weekly — every Friday — once you’ve reached the $100 minimum. Limited Access members may have a reduced monthly cadence; upgrade to Limitless Access for faster weekly payouts.

Level 4 (the final tier in the plan) is unlocked when you maintain at least a Premium AI Ad Budget plan (≥ $99/mo).

Startup Packages & Upsells

It’s a one-time purchase that grants a lifetime license to use the AI Marketing Engine (SaaS). It unlocks your affiliate link, dashboard, multi-level commission eligibility, and bonus content. No monthly platform fee — just a single product purchase.

Startup Packages give you licensed access to the SaaS product and commission eligibility. AI Ad Budgets fuel your automated marketing — covering both real ad spend and the AI automation/infrastructure that runs and optimizes your campaigns. Together, they enable scalable, hands-off growth.

The AI Marketing Engine is CFATM’s flagship Software-as-a-Service (SaaS) product. When you purchase Limitless Access, you receive a lifetime license to use this AI-powered platform (no ownership is transferred). The service automates your advertising so you don’t have to learn ad platforms, write ad copy, or constantly tweak targeting.

How it works

  • Automated Ad Campaigns: You set an ad budget, and the SaaS engine builds and manages campaigns that promote your referral link.
  • Smart Targeting: AI handles targeting and retargeting, ensuring ads reach people most likely to convert.
  • Performance Optimization: The system continuously learns from results, adjusting bids, placements, and creatives for maximum efficiency.
  • Dashboard Tracking: Views, retargets, conversions, commissions, and wallet activity are visible in real time inside your dashboard.

Why it matters

Because the AI Marketing Engine is a licensed SaaS product, anyone can activate automated campaigns without prior marketing experience. Commissions from product sales will refill your ad wallet, enabling a sustainable growth loop (results vary; no guarantees).

Key benefits

  • Licensed access: One-time purchase grants a lifetime license to use the SaaS (not ownership).
  • No marketing skills required: The AI manages ad tech end-to-end.
  • 24/7 automation: Campaigns can run around the clock.
  • Scalable growth: As network activity and sales expand, eligible commissions can increase across multiple levels.
  • Transparent: Live performance and earnings data inside your dashboard.

👉 In short: the AI Marketing Engine is a licensed SaaS product that automates your marketing and campaign management.

Yes. You can join free (Limited Access) and earn on Level 1. Upgrading to Limitless Access unlocks the AI Marketing Engine, dashboard tools, multi-level commissions, and access to optional upsell bundles.

With Limitless Access, you’ll see optional one-time upsell bundles, including bonus training (e.g., a mini-course on running Facebook ads), Meta Ads Made Affordable. These are designed to accelerate results.

No monthly platform fee. Limitless Access is a one-time SaaS license purchase. AI Ad Budgets are optional monthly campaign budgets.

Yes. Upgrade anytime to unlock higher-tier benefits and included upsells. Your commission eligibility and dashboard access will update automatically.

AI Ad Budget Plans

Your monthly plan (e.g., $29–$99+) powers your automated campaigns. Funds are applied to both real ads placed on third-party platforms and the AI automation, servers, and optimization tools that run those campaigns. The AI writes ad copy, targets audiences, manages spend, and handles smart retargeting — hands-free.

Your wallet funds are fully applied to running your campaigns. This includes both the ad spend on third-party platforms and the AI automation/infrastructure costs (servers, optimization, and management) required to power and manage those campaigns. Earnings are also be routed back to refill your wallet automatically.

Unused funds roll over automatically to the next month. You never lose your budget. Your dashboard shows your available Ad Budget balance and how much was used.

Each plan has a maximum daily ad spend. The AI system may spend less if fewer impressions are needed, or delay until a better time. Your budget isn’t wasted — it’s deployed strategically over time.

Your AI Ad Budget balance automatically refills on the 1st of each month. Funds are always taken from your wallet balance first. If your wallet doesn’t have enough to cover the plan, and Auto-Recharge is enabled, your card will be charged to cover the difference so campaigns continue uninterrupted. If Auto-Recharge is off, only your wallet balance is used, and campaigns will pause if funds are insufficient.

The budget includes paid ads as well as AI and automation expenses such as content generation, campaign testing, smart targeting, server costs, and backend integrations with ad platforms. These elements are what make the campaigns effective — not just impressions.

No. It’s optional. You can promote manually, but the AI Ad Budget unlocks fully automated income potential by letting the AI handle everything for you.

Getting Started

The ads aren’t selling random offers. They promote CFATM itself — driving traffic to your referral page. When someone clicks an ad, they land on a page like this, learn about the system, and sign up. If they join through your link, you earn commissions.

Because the AI Marketing Engine promotes the same platform you’re part of, every ad is designed to build your network, grow your commissions across up to 4 levels (50% • 5% • 10% • 5%), and help your ad wallet refill from real product sales.

Think of it like this: your ad budget fuels a self-contained loop. Ads drive visitors → visitors become members → product sales generate commissions → commissions can refill your ad wallet → the cycle continues.

Yes! The free Limited Access Package gives you a referral link so you can earn on direct Level-1 sales without paying. Most users upgrade to Limitless Access to unlock the AI Marketing Engine, dashboard tools, multi-level commissions, and optional ad automation.

Immediately. As soon as your account is activated and you choose a package, you can begin earning on product sales from your referrals.

Yes — lifetime access is a limited-time launch offer. We plan to introduce monthly access in the future, so lock in your one-time entry now.

Absolutely. No experience required. Our dashboard, training, and automation make it simple to get started — even if you’ve never marketed online before.

Compliance

No — CFATM is not a pyramid scheme. Here’s why:

1. Real Products, Real Sales

The $100 Limitless Access fee is a one-time purchase of a real product — a lifetime license to our AI Marketing Engine (SaaS). Commissions on this and all other product sales (such as course bundles) are paid through the same multi-level plan: 50% • 5% • 10% • 5%. These are genuine products of value, not fees for recruitment.

2. Where Commissions Come From

Commissions are tied to product transactions: the Limitless Access SaaS license and educational course bundles. The plan pays on up to four levels, with Level 4 unlocked by maintaining at least a Premium AI Ad Budget plan.

3. Free Participation

You can join 100% free with Limited Access and earn direct referral commissions without paying. This avoids the mandatory-payment red flag associated with pyramid schemes.

4. FTC Guidance

The FTC flags pyramid schemes when earnings come primarily from recruiting rather than selling real products/services, or when there are required payments to participate without genuine product value. CFATM’s earnings are based on product sales (SaaS license + course bundles), not recruitment alone, and free participation is available.

5. Transparency & Compliance

We disclose our products, pricing, and commission sources clearly. Your earnings are driven by verifiable product sales and usage — not by enrolling people into a pay-to-play structure.

👉 In short: CFATM is a product-driven, transparent program — not a pyramid scheme.

Short answer: No — the $100 Limitless Access is a one-time license purchase of a SaaS product (lifetime access to the AI Marketing Engine), not a sale of an “investment.” Commissions on this purchase — just like course bundles — are paid through the multi-level structure (50% • 5% • 10% • 5%). You can also join 100% free with Limited Access and earn on referrals without paying.

How regulators analyze this (Howey Test)

U.S. securities law uses the Howey Test to decide if something is an “investment contract.” The test looks for: (1) an investment of money; (2) in a common enterprise; (3) with a reasonable expectation of profits; (4) to be derived primarily from the efforts of others.1

  • Product vs. investment: The $100 fee buys a lifetime SaaS license — a real product you use, not a promise of profit.
  • Source of earnings: Commissions are based on actual product purchases (SaaS or course bundles), not recruiting.
  • User control: Users choose budgets and optionally share; income is not guaranteed by others’ effort alone.
  • Messaging matters: We avoid phrases like “guaranteed returns” — regulators watch for that.

Not a pyramid scheme (FTC guidance)

Per the FTC, pyramid schemes pay mainly for recruiting, not for selling real products or services, and often require membership fees.2 CFATM avoids both: commissions are from product sales, and free participation is available.

Program specifics

  • $100 Limitless Access: One-time SaaS license purchase; commissions paid across all eligible levels.
  • Course bundles: Additional product-based earnings through the same structure.
  • Multi-level payouts: Up to 4 levels (50% • 5% • 10% • 5%) — Level 4 unlocked by maintaining at least a Premium AI Ad Budget plan.
  • Free path: Join and earn without paying.
  • Transparent: We clearly state what you buy and what earns commissions — no hidden fees.

Disclaimer: This is not legal advice. Classification depends on marketing and jurisdiction — consult a qualified attorney for a formal opinion.


References

  1. SEC: Howey Investment Contract Framework
  2. FTC: Business Guidance on Multi-Level Marketing
Still Have Questions?

Your future cash flow is one decision away. Join CFATM now, lock in lifetime access, and let AI do the selling for you. Don’t wait — next week’s momentum starts today.

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