I think HYIP programs deal with E-gold only.
Which means you have to buy gold via a processor and deposit into a
e-gold account. Then you'll invest your e-gold in some HYIP
programs and yield an interest of more than 1.7%.
But the thing about e-gold is that the price of gold fluctuates all
the time. That means when you choose to withdraw, you have to
exchange your e-gold back to cash before withdrawing. And usually
there's a lot of processing charges between buying and selling of
e-gold. Ard 3%. So normally you have to withdraw alot to cover the
processing charges.
But since you asked about autosurf programs in the first place, why
don't you conc on paying autosurf programs?
if you want more details, take a look at my thread.
http://sgforums.com/?action=thread_display&thread_id=121493