A whistleblower dossier exposed that FINTEQHUB (finteqhub.com) is operated via Dream Transaction Lda (Portugal) and sits inside the same ownership orbit as the CoinsPaid/CryptoProcessing cluster. We validated core elements: Dream Transaction’s shareholder register includes the same holding vehicles and individuals repeatedly appearing in em; FINTEQHUB, meanwhile, markets itself as “headquartered” in Lithuania.
Key findings (validated & relevant)
- Dream Transaction Lda (Portuguese corporate gazette) shows a €5,000 company with shareholders in the SoftSwiss & Dream Finance network: Pavel Kashuba (40%), Primefuture Limited (40%), and Bitcapital Limited (20%).
- In a BVI court judgment, Primefuture and Bitcapital are described as the vehicles through which Dzmitry Yaikau and Ivan Montik held beneficial ownership in a key SoftSwiss holding structure.
- FINTEQHUB itself claims it is “headquartered in Lithuania” with representation in other jurisdictions and R&D centers (incl. Portugal).
- FINTEQHUB’s privacy policy contains an unusual cross-border data statement (“transfer … to Belarus”), a material GDPR/compliance red flag in any high-risk payments context.
- FINTEQHUB has been publicly framed as a SoftSwiss-built payments product: SoftSwiss stated that its PSP team developed “FinteqHub.”
- CoinsPaid’s Legal Hub states Dream Finance UAB (LT) has suspended all crypto-asset services (onboarding, transactions, new agreements), while listing other group entities (EE/US/CA).
- Trademark aggregators list Dream Transaction Lda as owner of a FINTEQHUB mark (we treat this as corroborative, not standalone proof).
Compliance analysis: why FINTEQHUB is Now a Chokepoint Worth Scrutinizing
1) “Headquartered in Lithuania” vs. Portuguese ownership + SoftSwiss holding vehicles
A Lithuania-facing brand (LinkedIn), paired with a Portuguese IP/ownership layer and shareholders tied (via court-described holding structures) to the SoftSwiss ecosystem, is a classic regulatory-distance architecture. It does not prove wrongdoing—but it does increase the likelihood of opacity around beneficial ownership, contracting entity, and AML accountability.
2) PSD2/PayFac question: is it “software” or “payment services”?
FINTEQHUB markets payment gateway + payment method integrations and explicitly targets high-risk verticals (iGaming/Forex/Adult). If it provides payment services (PayFac-style orchestration, settlement flows, or “open bank account” onboarding) rather than mere software, licensing/agent structure and AML role-splitting become critical: Who is the regulated PSP/acquirer? Where does KYC sit? Who screens merchants and monitors transactions?
3) Post-MiCA “replacement rail” hypothesis
With Dream Finance UAB’s crypto services suspended, the ecosystem’s incentive to “route around” EU chokepoints rises. FINTEQHUB’s positioning (Lithuania-facing) and ownership trail makes it a plausible candidate for continuity of high-risk merchant processing—a hypothesis that now needs transaction-level evidence.
Dream Finance Group — Known Entities Map
| Entity (known name) | Jurisdiction | Role (publicly stated / reported) | Status / notes |
|---|---|---|---|
| Dream Finance OÜ | EE | CoinsPaid operator (site disclosures) | Active; VASP license referenced on CoinsPaid pages |
| Dream Finance UAB | LT | CoinsPaid entity (Legal Hub) | Crypto services temporarily suspended |
| Dream Finance US LLC | US (DE) | Group entity listed by CoinsPaid | Listed in Legal Hub as MSB |
| Dream Finance Processing Inc. | CA | Group entity listed by CoinsPaid | Listed in Legal Hub as MSB |
| Dream Payments Sp. z o.o. | PL | CryptoProcessing expansion vehicle | Publicly referenced in PL rollout coverage |
| Dream Finance S.A. de C.V. | SV | Local operating entity (reported) | Reported liquidation/controlled wind-down |
| Dream Transaction Lda | PT | Shareholder-controlled company tied to FINTEQHUB (per whistleblower + filings) | Share register confirmed in PT gazette |
| Bitcapital Ltd | CY | Shareholder Dream Transaction Lda | Suggested UBO: Ivan Montik |
| Primefuture Ltd | CY | Shareholder Dream Transaction Lda | Suggested UBO: Dzmitry Yaikau |
Call for information
If you have contracts, bank/PSP onboarding packs, merchant emails, gateway dashboards, settlement instructions, or transaction evidence showing how FINTEQHUB routes funds (PSP/acquirer names, beneficiary entities, IBANs, crypto settlement addresses), please share it securely via Whistle42.com. We are specifically seeking proof of who actually contracts merchants and who actually settles payments behind the FINTEQHUB brand.
According to my network connection history at online casinos, card payments are processed via Finteqhub’s Payment Orchestration through pay.spoynt.com, transactions.decta.com, and rapyd.net. Cardaq is also presumably involved (according to the Casinoguru forum). Payments via Apple Pay are processed through a payment service provider called Rastpay.