Investor Transparency Checklist
A practical investor tool from InvestorJustice.org - use this checklist to evaluate the transparency, jurisdiction, and accountability of any financial or crypto platform before committing funds.
Latest
What I Wish I Knew Before Using Nexo
A Cautionary Note for Other Users One user’s Nexo experience — learn from it before it’s too late. Disclaimer: I am not an attorney. This is not legal advice. This article is a public service warning based on firsthand experience and over 18 months of formal legal correspondence with
Launch of the Investor Red Flag Database
InvestorJustice.org has launched the Investor Red Flag Database — a continuously updated record of financial entities, jurisdictions, and practices posing heightened risk to investors. This open-access tool helps investors identify structural and regulatory red flags before harm occurs.
Collateral Damage: How FINMA’s Innovation Agenda Leaves Investors Unprotected.
FINMA’s innovation agenda prioritizes market stability over investor safety. When Swiss fintechs fail, losses are treated as collateral damage—contained for institutions, catastrophic for individuals.
InvestorJustice Advisory: Why Investors Should Be Cautious About Switzerland
Switzerland’s legacy reputation for financial integrity masks serious investor-protection gaps. FINMA’s permissive stance toward cross-border entities, opaque rulings, and innovation rhetoric leave harmed investors without meaningful recourse.
Legal Primer: Removing “APR” Does Not Make It Legal
Removing “APR” from a credit product does not make it legal. Under U.S., Swiss, EU, and Cayman law, illegality is determined when the offer was made, not when misleading language is deleted.
InvestorJustice Advisory: Cayman Islands Jurisdictions
Cayman registration limits investor protections. Entities serving foreign clients often fall outside CIMA’s scope, leaving retail investors without a regulator or accessible complaint process.
Guard Rails or Smoke Screen? How FINMA Sacrifices Investors in the Name of Innovation
FINMA claims to provide guard rails for financial innovation. But when innovation creates new ways to harm investors, those guard rails collapse into a smoke screen — and harmed users are dismissed as collateral damage.
Swiss Press Silence: A Hidden Risk for Investors
Swiss investors face systemic risks, yet regulators remain silent and Swiss media has failed to educate the public. This silence enables harm and shields misconduct.
InvestorJustice Advisory: Why Investors Should Avoid Nexo
InvestorJustice.org warns investors to avoid Nexo. Evidence shows misuse of APR, refusal of lawful records requests, jurisdictional evasion, and deletion of key Terms of Service clauses, leaving investors, especially seniors, without accountability.
How Nexo Structures Itself to Avoid Accountability - Case 2025-000001
Nexo markets itself as a seamless global platform, but its web of entities across Switzerland, the Cayman Islands, and the U.S. creates an accountability gap. InvestorJustice.org shows how deleted Terms of Service clauses stripped investors of Swiss remedies amid legal pressure.
What Happened When I Requested My Account Records from Nexo - Case 2025-000001
In October 2024, I exercised my right under Swiss data law to request my Nexo account records. Instead of complying, Nexo counsel demanded an irregular Power of Attorney and ultimately refused. This story shows how jurisdictional evasion leaves investors without accountability.
Still Haunted: Nexo’s Legacy Victims Await SEC Follow-Through - Case 2025-000001
Nexo was fined $45 million by the SEC for its illegal Earn Interest Product—but many retirement-age investors remain financially ruined, with no recourse. This article calls for overdue cross-border enforcement.
Nexo AG’s Cayman Loophole — And Why FINMA’s Silence Is the Real Scandal - Case 2025-000001
Nexo AG uses a Cayman shell and Swiss branding to shield itself from investor accountability. But the deeper failure is FINMA’s silence — a regulatory choice that puts Swiss credibility at risk.
![[PDF] Reconstructed Record of Deleted Nexo ToS Changes - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212.png)
[PDF] Reconstructed Record of Deleted Nexo ToS Changes - Case 2025-000001
A forensic reconstruction of deleted Swiss conciliation rights from Nexo AG’s Terms of Use, showing systematic efforts to obscure procedural access for retirement-age investors.
![[PDF] Evidentiary Brief – Illegality of APR with Liquidation - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-1.png)
[PDF] Evidentiary Brief – Illegality of APR with Liquidation - Case 2025-000001
This evidentiary brief outlines cross-jurisdictional violations by Nexo AG, where APR-marketed loans were actually high-risk margin accounts. It includes legal precedent, investor harm, and forensic evidence calling for regulatory intervention.