FINMA and the Boundaries of Swiss Secrecy
Swiss law protects financial integrity and privacy but when global misconduct enters the equation, that same privacy can shield accountability.
FINMA
The Accredited Investor Trap — How Firms Like Nexo Exploit a Misleading Label
The term “accredited investor” doesn’t mean expertise — only access to money. Firms like Nexo exploit this myth to shift blame onto victims. Even a lottery winner can qualify, yet still deserves truthful disclosure and protection from financial misrepresentation.
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.
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.
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] 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.
Open Letter to the U.S. Securities and Exchange Commission (SEC) - Case 2025-000001
A U.S. investor harmed by Nexo’s liquidation practices calls on the SEC to act on cross-border abuse. Despite past enforcement against Nexo’s Earn Interest Product, other high-risk offerings remain unaddressed—leaving retirement-age victims exposed and unprotected.
Open Letter to FINMA: Enforce the SEC–FINMA MOU and Restore Investor Trust - Case 2025-000001
A retirement-age U.S. investor calls on FINMA to uphold its cross-border regulatory duty under the SEC–FINMA Memorandum of Understanding following unlawful financial harm tied to Nexo AG.
Retirement-Age Investors Should Not Be Exposed to Liquidation: My Story, and a Call to FINMA - Case 2025-000001
A retirement-age investor lost everything in a high-risk Nexo account. This is a plea for urgent oversight, justice, and reform.
When Retirement Meets Leverage: The Nexo Trap - Case 2025-000001
A San Diego retiree lost over $3M in life savings after Nexo misrepresented a high-risk crypto margin account as a stable loan. A case study in investor harm and legal asymmetry.