A more thorough explanation:

An endless-chain scheme, also known as a pyramid scheme, is a type of property-distribution scheme where a participant pays to join and receives compensation for introducing new members to the scheme. The new members are also encouraged to introduce more participants, and the cycle continues.

For example, a person may be asked to pay $100 to join a pyramid scheme. They are then promised a commission for every new member they bring in. The new members are also asked to pay $100 to join and are promised a commission for bringing in more members. The scheme continues to grow as more people join and pay to participate.

However, pyramid schemes are illegal in most states because they are unsustainable and rely on constantly recruiting new members to pay off earlier participants. Eventually, the scheme collapses, and many people lose their money.

Overall, an endless-chain scheme is a fraudulent business model that preys on people's desire to make quick money. It is important to be cautious and do research before investing in any scheme that promises high returns for little effort.