Harald Seiz founded Karatbars in 2011, but all related companies have failed and every aggrieved party should secure a refund of their investment. This company construction is a true chameleon, new idea results in a new company. About credit cards with integrated gold threads, fake purchases of gold mines in Madagascar, alleged bank purchases in the USA, the KaratBank Coin without a trading platform or physical gold as security for deposits. Nothing worked.
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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 […]
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 […]