Esquemas que prometem ganhos fixos e espetaculares por dia ou por mes em 'trading de cripto', mas que na verdade sao piramides/Ponzi: pagam os investidores antigos com o dinheiro dos novos. No Brasil, so uns 23 desses esquemas deixaram cerca de R$ 40 bilhoes em perdas em cinco anos. Muito interesse em cripto, marketing pesado de influenciador e pouca experiencia com investimento regulado fizeram do pais lar de algumas das maiores piramides de cripto do mundo.

Como o golpe funciona

1. Uma empresa ou influenciador com aparencia profissional anuncia ganhos 'garantidos' (tipo 1% a 3% por dia) com 'robos' de cripto ou trading de especialista.
2. Os primeiros participantes recebem os pagamentos e postam prova, alimentando o boca a boca e o recrutamento nas redes.
3. Os ganhos nao vem de trading de verdade, e sim dos depositos novos, e cada um e empurrado a recrutar mais gente.
4. Quando o dinheiro novo diminui, os saques travam e os operadores somem com os valores.

Sinais de alerta

• Promessas de ganho fixo e alto 'sem risco'. Isso e impossivel em investimento de verdade.
• Pressao pra recrutar amigos e familia e ganhar bonus por isso.
• A empresa nao tem autorizacao da CVM/Banco Central e te empurra pra depositar rapido.

Como se proteger

• Antes de investir, veja se a empresa e registrada/autorizada na CVM.
• Trate qualquer retorno diario 'garantido' ou fixo como bandeira vermelha de esquema Ponzi.
• Desconfie ainda mais de oportunidades divulgadas por influenciadores ou em grupos de WhatsApp/Telegram.
• Nunca invista dinheiro que voce nao pode perder em 'fundos de cripto' sem regulacao.

Systeme, die feste, spektakulaere Gewinne pro Tag oder Monat aus 'Krypto-Trading' versprechen, in Wahrheit aber Schneeball-/Ponzi-Systeme sind: alte Anleger werden mit dem Geld neuer bezahlt. In Brasilien hinterliessen allein rund 23 solcher Systeme in fuenf Jahren etwa R$ 40 Milliarden Verlust. Grosses Krypto-Interesse, starkes Influencer-Marketing und wenig Erfahrung mit regulierten Anlagen machten das Land zur Heimat einiger der groessten Krypto-Pyramiden der Welt.

So funktioniert die Masche

1. Eine professionell wirkende Firma oder ein Influencer wirbt mit 'garantierten' Gewinnen (etwa 1% bis 3% pro Tag) durch Krypto-'Roboter' oder Experten-Trading.
2. Die ersten Teilnehmer bekommen Auszahlungen und posten Beweise, was Mundpropaganda und Werbung in den Netzwerken anheizt.
3. Die Gewinne stammen nicht aus echtem Trading, sondern aus neuen Einzahlungen, und jeder wird gedraengt, mehr Leute zu werben.
4. Wenn das neue Geld nachlaesst, frieren die Auszahlungen ein und die Betreiber verschwinden mit dem Geld.

Warnsignale

• Versprechen fester, hoher Gewinne 'ohne Risiko'. Das ist bei echten Anlagen unmoeglich.
• Druck, Freunde und Familie zu werben und dafuer Boni zu kassieren.
• Die Firma hat keine Zulassung der CVM/Zentralbank und draengt Dich, schnell einzuzahlen.

So schützt du dich

• Bevor Du investierst, pruef, ob die Firma bei der CVM registriert/zugelassen ist.
• Nimm jede 'garantierte' oder feste Tagesrendite als rote Flagge fuer ein Ponzi-System.
• Sei besonders misstrauisch bei Angeboten von Influencern oder in WhatsApp-/Telegram-Gruppen.
• Investier nie Geld, das Du nicht verlieren kannst, in unregulierte 'Krypto-Fonds'.

Schemes promising fixed, spectacular daily or monthly returns from 'crypto trading', which are really pyramid/Ponzi frauds: they pay old investors with new investors' money. In Brazil, at least 23 such schemes left about R$40 billion in losses over five years. Heavy interest in crypto, aggressive influencer marketing and little experience with regulated investing made the country home to some of the world's largest crypto pyramids.

How the scam works

1. A professional-looking company or influencer advertises 'guaranteed' returns (like 1% to 3% per day) from crypto 'robots' or expert trading.
2. The first participants receive payouts and post proof, fueling word of mouth and recruitment on social media.
3. The returns don't come from real trading but from new deposits, and everyone is pushed to recruit more people.
4. When the new money slows, withdrawals freeze and the operators vanish with the funds.

Warning signs

• Promises of fixed, high returns 'with no risk'. That's impossible in real investing.
• Pressure to recruit friends and family and earn bonuses for it.
• The company isn't authorized by the CVM/Central Bank and pushes you to deposit fast.

How to protect yourself

• Before investing, check whether the company is registered/authorized with the CVM.
• Treat any 'guaranteed' or fixed daily return as a red flag for a Ponzi scheme.
• Be even more suspicious of opportunities promoted by influencers or in WhatsApp/Telegram groups.
• Never invest money you can't afford to lose in unregulated 'crypto funds'.

Esquemas que prometen ganancias fijas y espectaculares por dia o por mes en 'trading de cripto', pero que en realidad son piramides/Ponzi: pagan a los inversores antiguos con el dinero de los nuevos. En Brasil, solo unos 23 de estos esquemas dejaron cerca de R$ 40.000 millones en perdidas en cinco anos. Mucho interes en cripto, marketing agresivo de influencers y poca experiencia con inversion regulada hicieron del pais hogar de algunas de las mayores piramides de cripto del mundo.

Cómo funciona la estafa

1. A professional-looking company or influencer advertises 'guaranteed' returns (like 1% to 3% per day) from crypto 'robots' or expert trading.
2. The first participants receive payouts and post proof, fueling word of mouth and recruitment on social media.
3. The returns don't come from real trading but from new deposits, and everyone is pushed to recruit more people.
4. When the new money slows, withdrawals freeze and the operators vanish with the funds.

Señales de alerta

• Promises of fixed, high returns 'with no risk'. That's impossible in real investing.
• Pressure to recruit friends and family and earn bonuses for it.
• The company isn't authorized by the CVM/Central Bank and pushes you to deposit fast.

Cómo protegerte

• Before investing, check whether the company is registered/authorized with the CVM.
• Treat any 'guaranteed' or fixed daily return as a red flag for a Ponzi scheme.
• Be even more suspicious of opportunities promoted by influencers or in WhatsApp/Telegram groups.
• Never invest money you can't afford to lose in unregulated 'crypto funds'.

Des combines promettant des gains fixes et spectaculaires par jour ou par mois en 'trading crypto', mais qui sont en fait des pyramides/Ponzi: elles paient les anciens investisseurs avec l'argent des nouveaux. Au Bresil, une vingtaine de ces combines ont laisse environ 40 milliards de R$ de pertes en cinq ans. Fort interet pour la crypto, marketing agressif d'influenceurs et peu d'experience de l'investissement regule ont fait du pays le foyer de certaines des plus grandes pyramides crypto du monde.

Comment l'arnaque fonctionne

1. A professional-looking company or influencer advertises 'guaranteed' returns (like 1% to 3% per day) from crypto 'robots' or expert trading.
2. The first participants receive payouts and post proof, fueling word of mouth and recruitment on social media.
3. The returns don't come from real trading but from new deposits, and everyone is pushed to recruit more people.
4. When the new money slows, withdrawals freeze and the operators vanish with the funds.

Signaux d'alerte

• Promises of fixed, high returns 'with no risk'. That's impossible in real investing.
• Pressure to recruit friends and family and earn bonuses for it.
• The company isn't authorized by the CVM/Central Bank and pushes you to deposit fast.

Comment te protéger

• Before investing, check whether the company is registered/authorized with the CVM.
• Treat any 'guaranteed' or fixed daily return as a red flag for a Ponzi scheme.
• Be even more suspicious of opportunities promoted by influencers or in WhatsApp/Telegram groups.
• Never invest money you can't afford to lose in unregulated 'crypto funds'.

Schemi che promettono guadagni fissi e spettacolari al giorno o al mese col 'trading di cripto', ma che in realta sono piramidi/Ponzi: pagano i vecchi investitori con i soldi dei nuovi. In Brasile, solo una ventina di questi schemi hanno lasciato circa R$ 40 miliardi di perdite in cinque anni. Grande interesse per le cripto, marketing aggressivo degli influencer e poca esperienza con gli investimenti regolati hanno reso il paese la casa di alcune delle piu grandi piramidi cripto al mondo.

Come funziona la truffa

1. A professional-looking company or influencer advertises 'guaranteed' returns (like 1% to 3% per day) from crypto 'robots' or expert trading.
2. The first participants receive payouts and post proof, fueling word of mouth and recruitment on social media.
3. The returns don't come from real trading but from new deposits, and everyone is pushed to recruit more people.
4. When the new money slows, withdrawals freeze and the operators vanish with the funds.

Segnali d'allarme

• Promises of fixed, high returns 'with no risk'. That's impossible in real investing.
• Pressure to recruit friends and family and earn bonuses for it.
• The company isn't authorized by the CVM/Central Bank and pushes you to deposit fast.

Come proteggerti

• Before investing, check whether the company is registered/authorized with the CVM.
• Treat any 'guaranteed' or fixed daily return as a red flag for a Ponzi scheme.
• Be even more suspicious of opportunities promoted by influencers or in WhatsApp/Telegram groups.
• Never invest money you can't afford to lose in unregulated 'crypto funds'.