De-risking instead of individual case review: When banks push companies out of payment transactions

De-risking refers to the practice of banks terminating business relationships not because of specific legal violations, but to reduce regulatory, reputational, or operational risks across the board. Often, entire customer groups or business models are excluded instead of examining and managing risks on a case-by-case basis. The competition between traditional banks and FinTechs is increasingly […]

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Offshore License as a Fig Leaf – Why the Alleged Regulation Doesn’t Exist

The offers currently being promoted by Marina Graf & Werner Kaiser in connection with TAG Markets, Social Trading, Sonic AI, and “Amplified Accounts” create the impression that they are regulated, licensed financial and crypto services. This claim is demonstrably false. The central point of reference in the advertising is a so-called investment dealer license from […]

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A textbook example of deception in the crypto market: Complexity as a Weapon

How crypto newcomers are led into liability traps through technical jargon, technology, and phased communication – illustrated by a Kaspa mining project Crypto projects, trading platforms, mining models – for many investors, these terms blur into an opaque and difficult-to-navigate landscape. Those new to the space are confronted with a level of technical and organizational […]

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From Safir/ZENIQ to XPRO to Connect: The Shell Game Enters the Next Round

After Safir/ZENIQ, WEWE Global, The Blockchain Era, XERA, XPRO, and a long list of failed or rebranded token projects, Connect has presented itself in recent months as a fresh start. New terminology, new interfaces, new promises. However, a closer examination of communication patterns, leadership structures, and feedback from users reveals a different picture: Connect appears […]

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Why pyramid and snowball schemes survive despite court rulings – and who needs to close the loophole

Why independent review by BE Conflict Management is crucial Time and again, courts and supervisory authorities find that certain sales or investment models meet the criteria of a snowball or pyramid scheme. Nevertheless, there are often no criminal consequences for the key players. For victims, this seems contradictory: if a scheme was or is illegal, […]

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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 […]

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The Shell Game Behind Safir/ZENIQ & Avinoc/VOO

From the vision of a revolutionary aviation blockchain to an allegedly groundbreaking hub technology and a so-called visionary economic model: the network operating under the names Safir/ZENIQ and Avinoc/VOO has, over the years, proven to be one of the more complex crypto-MLM systems in this country. Our investigation shows that while operating companies are pushed […]

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MinerX? – Unanswered questions about operator structure, marketing and responsibility

As part of our ongoing research, we have examined the MinerX website (minerx.global) and the environment surrounding the products offered there. The aim of the analysis is to create transparency regarding responsibilities, legal structure and economic plausibility. Lack of operator and company information As things stand, the website does not contain any publicly verifiable information […]

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MINING GRID/MINING RACE: Blockchain visible, business model transparent!

Terms and conditions shift almost every conceivable risk! After the publication of our article on Mining Race / Mining Grid, a commentator using the name ‘MinerX’ posted a clear criticism. The accusation: poor research, lack of expertise, unsubstantiated claims. Positive online reviews, personal impressions from Dubai, functioning apps and traceable payments on the blockchain are […]

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The Hydra Principle: Safir/ZENIQ, Xera, XPRO – and Now CONNECT

How a long-known network continues to hunt for new members under ever-new labels: it is a digital shadow play spanning continents. While financial regulators around the world are still sorting through the wreckage of the past, one of the most persistent crypto-MLM networks of recent years has already shed its skin once again. Our investigation […]

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