Retirement-age investors face irreversible harm from regulatory delay. This article explains how time amplifies financial and medical risk, especially when offshore evasion tactics are used and why timely DFPI action is not optional, but a duty.
Offshore entities may look complex, but they’re mostly paperwork. Real operations, decision-making, and consumer harm occur onshore giving regulators clear jurisdiction. Offshore labels aren’t barriers; they’re signals pointing to where misconduct actually happens.
When the SEC stalls or shuts down, California’s DFPI has the power and obligation to act. The Nexo case shows why state-level enforcement is essential when federal settlements leave investors uncompensated.
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.
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)
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.
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