The New Public Mandate: From Consumer Protection to Civic Protection
Consumer protection is no longer enough. This essay reframes accountability as a civic responsibility — a preventive, transparent infrastructure that protects public trust itself.
Accountability
Transparency as Therapy: Rebuilding Civic Faith Through Truth-Telling
Transparency is more than oversight, it is how societies heal. This essay explores how truth-telling restores civic faith by validating harm, rebuilding trust, and transforming silence into accountability.
When Protection Fails: Reclaiming Accountability in Financial Oversight
When oversight becomes reactive instead of protective, citizens pay the price. This essay calls for institutional courage, the kind of transparency that prevents harm instead of merely punishing it afterward.
The Erosion of Trust: How Regulatory Inaction Fuels Public Cynicism
When oversight bodies delay or deflect, public faith decays. This essay explores how regulatory silence teaches citizens to expect disappointment — and how transparency is the only antidote to cynicism.
The Ripple Effect: How Misrepresentation Destroys More Than Savings - Case 2025-000001
Financial deception destroys far more than money. It fractures trust, health, and families — and erodes the civic foundation that binds a society together. This essay explores the cascading human and institutional effects of misrepresentation and delay.
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.
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.
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.