Rise in pyramid schemes targetting Māori and Pasifika sparks warning Christmas-themed pyramid schemes are on the rise and a small-loans trust is warning people to avoid them. Natalie Vincent, of Ngā Tāngata Microfinance, said many pyramid schemes use cryptocurrencies, and are promoted primarily to Māori and Pasifika families. Vincent said a new pyramid scheme is being sold to vulnerable people in the form of 'gifting' or 'koha' with the promise of making quick money. It suggests people can get up to $20,000 after making three payments of $150. Vincent said some people might make money at the very early stages, but further on, as is the nature of such schemes, it will collapse, leaving no money for anyone.