I think ypn is just making up some random crap just to get people banned now, has anyone been banned for URL cloaking and do they pay? I know they don't pay for cloned content.
Yeah using iframe to cloak for best keywords will get you banned. Any network won't allow that. It's simply when they audit your account, they will check the page gets most clicks. It's a blank page with no link, no navigation, no logo or banner. It's just the ads and lots of keywords. When they see the page, they will ban.