We follow the money through payment processors, open-banking rails, and crypto on-ramps that power illegal casinos, high-risk brokers, and digital fraud ecosystems.

Our work sits at the intersection of:

• Financial crime analysis

• Regulatory and compliance research

• Open-source intelligence (OSINT) and whistleblower evidence

We do not sell trading tips. We do not promote platforms.
Our job is to identify chokepoints in the cyberfinance infrastructure, document them, and put pressure on regulators, payment institutions, and platforms to act.

Our North Star: Chokepoints in CyberFinance

FinTelegram 2.0 focuses on the places where illegal operators touch the regulated world – the chokepoints:

• Payment gateways and acquirers

• Pay-by-bank and open-banking providers

• Crypto on-ramps / off-ramps and VASPs

• Banking, EMI, and card-scheme access

• Fraud-friendly “compliance as a service” providers

We treat each investigation as a case: a structured record of entities, payment rails, domains, licenses, and evidence.
This allows us to build:

• Rail Maps – visualising how money flows through payment rails;

• Rail Hubs & Atlases – identifying processors and service providers that repeatedly appear in illegal schemes;

• Risk narratives – how specific networks exploit gaps between regulation, technology, and enforcement.

FinTelegram 2.0 is therefore not just a news site – it is an intelligence layer on top of cyberfinance.

How We Work

Case Register & OSINT

Every story begins as a case record in our internal register.
There we connect:

• Companies, directors, domains, and brands

• Licenses, registrations, sanctions, and court records

• Payment routes, PSPs, and crypto addresses

• Public complaints, forum posts, and marketing trails

We rely heavily on open-source intelligence (OSINT): corporate registries, regulator databases, court documents, public leaks, and technical traces. Where necessary, we corroborate information across multiple jurisdictions.

Whistleblowers, Insiders, and Victims

FinTelegram’s work is only possible because insiders and victims speak up.

Through our ecosystem – especially Whistle42 and related platforms – we receive:

• Internal documents and emails

• Payment confirmations and KYC flows

• Screenshots, contracts, and correspondence

• Background narratives that explain how schemes really work

We cross-check submissions, anonymise where needed, and integrate verified data into our case register. Whistleblowers remain protected; the facts are put under the spotlight.

Editorial Independence & Anti-Bribery

FinTelegram’s value depends on one non-negotiable principle:
our editorial judgement is not for sale.

To make this explicit:

• We do not accept money, crypto, services, or “benefits” in exchange for:

  • removing or hiding published articles;

  • softening or rewriting critical coverage;

  • refraining from future critical reporting on any person or company.

• We never sell “reputation repair”, “pay-for-takedown” deals, or gag agreements.

• We do not grant prior editorial approval to the subjects of our investigations.

  • We may seek comment for fairness.

  • We may publish a right of reply.

  • But the final decision on what we publish remains with our editorial team.

Because FinTelegram is now widely referenced, we are aware that third parties sometimes copy our content or misuse our name to pressure companies into “settlements”.
To be absolutely clear:

If someone claims they can pay FinTelegram to delete or change content, they are not acting for us.

We encourage any company or individual who receives such an offer to contact us directly and provide evidence of the approach.

A detailed Editorial Independence & Anti-Bribery Statement is available on a dedicated page and forms part of our internal code of conduct.

Corrections, Evidence, and Right of Reply

We work hard to be accurate and fair.
If we get something wrong, we correct it.

• If you believe a statement in our reporting is factually inaccurate, you can contact us with:

  • the article link,

  • the exact passage, and

  • documented evidence (official filings, court decisions, verified correspondence, etc.).

• Our editorial team will review the material. Where appropriate we will:

  • correct or clarify the text;

  • add an editorial note explaining the change;

  • and/or offer a right-of-reply article, clearly marked as the subject’s position.

Corrections and clarifications are not a commercial service. They are part of our responsibility to readers.

Our Ecosystem

FinTelegram 2.0 is part of a broader cyberfinance intelligence ecosystem that includes:

• Whistle42 – a cross-platform whistleblower hub for secure, anonymous tip submission.

• FinCrime Observer (FCO) – focusing on deep-dive financial crime cases, dockets, and court-led narratives.

• RatEx42 (R42) – a rating and risk-signal platform for cyberfinance providers and products.

Together, these projects aim to:

• expose abusive and fraudulent models,

• put pressure on chokepoints that enable them,

• and support regulators, institutions, and victims with structured intelligence.

Who We Serve

FinTelegram 2.0 is written for:

• Regulators and supervisors looking for patterns and networks behind individual cases;

• Compliance officers in banks, PSPs, EMIs, and VASPs who need to understand their indirect exposure;

• Investors and professionals who want to avoid reputational and regulatory landmines;

• Consumers and victims who need reliable information about platforms they are using or considering;

• Journalists and researchers who require a starting point for deeper investigation.

We do not claim to be neutral in the face of fraud and abuse.
Our bias is clear: towards transparency, accountability, and enforcement.

How to Engage With Us

• Submit tips & documents: via Whistle42 or through our secure channels.

• Request corrections or right of reply: via our editorial contact.

• Use our work: cite, link, and build on our investigations – but do not misrepresent or plagiarise our content.

FinTelegram 2.0 exists for one reason:
to make it harder and more expensive for fraudsters and their enablers to operate in the shadows of cyberfinance.