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Jay-Scheme or Jason-Scheme is the exact opposite of a Ponzi-scheme. It is a legal investment or selling [operation] in which the seller pays for the customer's discounts with his/her own money. The Jay scheme usually collapses within itself due to the fact that the seller is unable to sustain [financial] stability. It can also collapse due to legal [authorities] taking action by administratively dissolving such a company for its inability to file for tax return.
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