Platforms, Communities, and the Shifting of Responsibility – Interview with Business Ethicist Dr. Claudia Gross

Dr. Claudia Gross and BEKM CEO Ben Ecker appeared together as experts on the 3sat program “MAKRO” back in 2022. The program focused on the Lyconet/myWorld complex and the question of how platform and network structures organize or shift responsibility. Platforms, ecosystems, and community models are increasingly shaping the digital finance and token environment. At […]

A Christmas greeting

As the year draws to a close, we would like to express our sincere thanks.

Neutral when it comes to fraud, merciless when it comes to customers – the double failure of banks

How credit institutions enable fraud and expropriate innocent people at the same time ‘Which is the greater crime, robbing a bank or founding one?’ Today, Brecht’s famous question seems less provocative than sobering. What is increasingly evident in the European banking sector is no longer an isolated case, but a structural failure. Banks are acting […]

‘Silence protects the wrong people – Why victims of pyramid schemes should speak up’

Many people affected by MLM and pyramid schemes are familiar with the same pattern: First, there is great disappointment when the supposedly safe investment turns out to be a pipe dream. There is complaining, and the anger over lost money is palpable. But as soon as it comes to demanding accountability or presenting evidence, many […]

DAO1 – BaFin warns against unauthorized crypto services

The German Federal Financial Supervisory Authority (BaFin) issued an official consumer warning about DAO1 and related products from Apertum Holding Limited. The German supervisory authority advises extreme caution and refers to the BaFin company database for authorized providers. BaFin: Federal Financial Supervisory Authority Newsletter — 02/10/2025 Notice dated 02/10/2025Dao1(.)ai: BaFin warns about DAO1 The financial […]

TSSB lifts emergency order against Apertum – but this is not an acquittal

Austin / 1 August 2025 – According to a decision dated 31 July 2025, the Texas State Securities Board (TSSB) has lifted its emergency order against the Apertum Foundation and the individuals named in connection with it, namely Josip Heit, Dirc Zahlmann, Bruce Innes Wylde Hughes and Dennis Loos. It is noteworthy that the decision […]

Apertum fails with urgent application – court rejects legal criticism of press report

On 17 June 2025, the 3rd Civil Chamber of the Frankfurt am Main Regional Court rejected an application for a preliminary injunction filed by Apertum Holding Ltd. against the media portal BE CONFLICT MANAGEMENT LIMITED (BEKM.eu). No appeal was lodged against the decision within the two-week deadline, meaning that the decision is now final. The […]

The sunk cost effect: Why people stick with questionable investments

From the outside, it often seems incomprehensible: Why do people stick with projects that obviously don’t benefit them or even harm them? The answer often lies not in a lack of intelligence or information, but in a psychological phenomenon: the sunk cost effect. What is behind this effect? The “sunk cost effect” describes the tendency […]

The allegations against Josip Heit and the Apertum Foundation at a glance

With an Emergency Cease and Desist Order (ENF-25-CDO-1889), the Texas State Securities Board (TSSB) has taken decisive action against the Apertum Foundation, its founder Josip Heit and several associates. The allegation: alleged fraudulent distribution of unregistered securities in Texas – a legal development with potentially global implications. The TSSB accuses the network surrounding the Apertum […]

Apertum proceedings in Texas: What the Texan judiciary is demanding!

The proceedings against Josip Heit and the Apertum Foundation are increasingly developing into an international legal marathon. In the previous article in our series, we shed light on the background and previous stages of the proceedings. It is now clear that the pressure on the accused is growing and the Texan authorities are pressing ahead […]