![[PDF] Addressing the Risks of Nexo to Swiss Banking and Regulatory Reputation - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-8.png)
[PDF] Addressing the Risks of Nexo to Swiss Banking and Regulatory Reputation - Case 2025-000001
This policy-style analysis examines gaps in Swiss crypto oversight frameworks and outlines structural risks to investors and regulators alike.
Library
Wealth Primer: The Three Phases of Building, Preserving, and Protecting Your Financial Life
A practical guide to understanding the three phases of wealth; accumulation, preservation, and protection and how transparency and risk awareness change with age.
InvestorJustice.org Risk Evaluation Checklist (v1.1, 2025)
A step-by-step due diligence checklist to evaluate transparency, regulatory compliance, and investor accountability before committing funds to any financial or crypto platform. Official InvestorJustice.org publication - verified source copy.
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.
![[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.
![[PDF] DFPI APR Misrepresentation - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-2.png)
[PDF] DFPI APR Misrepresentation - Case 2025-000001
Outlines how Nexo’s language misled users by describing a margin-based product as a “fixed APR credit line.” Supports misrepresentation and consumer protection claims under Swiss and U.S. law.
![[PDF] DFPI Risk Assessment Failure - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-3.png)
[PDF] DFPI Risk Assessment Failure - Case 2025-000001
Shows Nexo’s failure to assess investor suitability or risk tolerance before placing them into high-risk leveraged products. Supports legal arguments under FINMA and SEC standards, especially concerning retirement-age investors and vulnerable parties.
![[PDF] DFPI APR Evidence - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-4.png)
[PDF] DFPI APR Evidence - Case 2025-000001
Documents forensic screenshot evidence showing Nexo’s misrepresentation of APR-based lending while hiding margin liquidation risks. Demonstrates consumer deception with timestamped, hash-verified evidence, extremely valuable for journalists, regulators, and potential co-claimants.