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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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 […]
The showdown over Apertum: what awaits Josip Heit & Co in the Texas proceedings
Grafik zur Verfügung der Texas State Securities Board gegen Apertum im Juni 2025