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.
"Yo did you hear about Tom selling that vinyl he bought for $5 to some guy on ebay for only $2?"
Yea he totally pulled a Jay-Scheme on that one !