I had similar experience not long ago and I made a post about it.
These fraudsters are intentional about their payment method because it become really difficult (not impossible) to track them, unlike a regular bank account where your information are stored in their database and the government are able to get access to them.
Also, I should mention that some of the people who engage in this ponzi schemes are aware they would get defrauded, but they just hope the platform doesn't crash as soon as they join and hopefully make some money.
However, like I was advised, when there's such "investment opportunity" make good research, and if the reward is too good to be true, that is little efforts with huge return, it's most likely a scam.