A bilingual witness statement describes an alleged “pay-to-borrow” mechanism at First Investment Bank (FIB): a €9.5 million loan tied to a forced €2 million purchase of a seemingly unrecoverable claim. An insider draft frames the transaction as a deliberate leverage tool in the broader Stoyan Staykov and Regent Capital ecosystem. We map what is alleged, what is verifiable, and what regulators should now demand.