[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"channel-content-types-init":3,"channel-fintopiochannel-en":22,"channel-categories":57},[4,7,10,13,16,19],{"id":5,"name":6},"c7480be3-80ee-11f1-b1b7-52a2ad238787","ANALYTICAL_POSTS",{"id":8,"name":9},"c7480d89-80ee-11f1-b1b7-52a2ad238787","CRYPTO_NEWS",{"id":11,"name":12},"c7480e3d-80ee-11f1-b1b7-52a2ad238787","GUIDES_EDUCATION",{"id":14,"name":15},"c7480e65-80ee-11f1-b1b7-52a2ad238787","OPINIONS_BLOG",{"id":17,"name":18},"c7480e11-80ee-11f1-b1b7-52a2ad238787","PROJECT_REVIEWS",{"id":20,"name":21},"c747f460-80ee-11f1-b1b7-52a2ad238787","SIGNALS",{"id":23,"title":24,"username":25,"description":26,"avatarUrl":27,"categories":28,"contentTypes":33,"language":35,"difficulty":36,"reputation":37,"analysisStatus":38,"editorialComment":39,"editorialRating":48,"isEditorsChoice":49,"isPartner":49,"subscribersCount":50,"reviewSamples":51,"dataSources":52,"pros":53,"cons":54,"isIndexable":55,"isActive":55,"isPublic":55,"updatedAt":56,"createdAt":56},"cmqqu1x8200appwzeuy0k8a5q","Fintopio Новости","fintopiochannel","📰 СНГ Канал Fintopio\n📱MiniApp: @fintopio \n🌐 Web: fintopio.com\n💎 Follow Fintopio:\n📰 @FintopioNews \nInstagram.com/fintopio\nX.com/fintopio\nYouTube.com/@fintopio\nFacebook.com/fintopio","https://fra1.digitaloceanspaces.com/dev-market-filter/channels/avatars/AQADbM0xG3g0mVAB.jpg",[29],{"id":30,"name":31,"slug":32},"3ae3996c-8b7c-11f1-84ba-52a2ad238787","WEB3","web3",[34],{"id":8,"name":9},"RUSSIAN","INTERMEDIATE","HIGH_RISK","VERIFIED",{"type":40,"content":41},"doc",[42],{"type":43,"content":44},"paragraph",[45],{"text":46,"type":47},"Fintopio News (@fintopiochannel) — the official Telegram channel for the Fintopio crypto wallet, which promoted the CeDeFi model, combining centralized and decentralized financial instruments. The channel published product news, educational materials about Web3, feature announcements, contests, and integrations with external services such as MoonPay and Telegram. The main focus was on cryptocurrency transfers via Telegram and X usernames, the internal HOLD/HP loyalty programs, and promoting the wallet’s ecosystem. In October 2025, the project ceased operations, shut down its CeFi and DeFi wallets, and urged users to withdraw their funds immediately; following this, the channel’s reputation deteriorated sharply.\n\nContent and Format\n\nThe channel’s content centered on promoting the Fintopio ecosystem and explaining the CeDeFi concept—a model that promises users the convenience of centralized services while retaining some of DeFi’s capabilities. Most posts consisted of product updates, explanations of new features, and educational content about the cryptocurrency market.\nThe channel actively promoted its own HOLD and HP systems—internal activity points that were initially awarded for Tap-to-Earn game mechanics and later repackaged as a “cashback system” for using the wallet. The posts regularly featured promises of future benefits: discounts, a DAO, AI features, bonuses, and potential rewards for HP holders.\nThe tone was as emotional and marketing-oriented as possible. Even technical updates were accompanied by hyperbole about a “revolution in Web3,” a “new era,” and “the most groundbreaking experience.” At the same time, there were virtually no specifics regarding the business model, licenses, or the mechanics of the CeFi component.\nA separate category of content consisted of educational posts about CeFi, DeFi, stablecoins, oracles, HODL, and whales. These materials were tailored for beginners and explained basic cryptocurrency terms in simple language, though they regularly concluded with a pitch highlighting the benefits of Fintopio itself.\nThe channel published relatively few posts—up to 5 per month. With an audience of over 1.36 million subscribers, engagement remained around 1%.\nKey point: despite being positioned as a “next-generation wallet,” a significant portion of the content actually served to gradually prepare the audience for the HOLD ecosystem and its internal loyalty mechanics over the long term. Users were constantly shown future features and potential benefits that were never fully implemented.\n\nMonetization and Business Model\n\nThe primary monetization model revolved around the company’s own wallet and internal ecosystem. The channel promoted the use of the Mini App within Telegram, transfers by username, cross-chain exchanges, CeFi and DeFi features, as well as future paid services such as the Fintopio Card.\nTo retain its audience within the ecosystem, the channel used several mechanisms at once:\nreferral programs for inviting new users;\nHOLD and HP as a long-term incentive system;\ncontests requiring users to keep funds in their accounts;\nbonuses for activity within the Mini App;\nregular announcements of upcoming features and rewards.\nThe channel regularly featured partner integrations. These included MoonPay for purchasing cryptocurrency with bank cards, Tradoor for trading TON futures and options, and later, advertising for the Freedx exchange with KYC, deposits, and referral links.\nImportant! Despite the rhetoric about the “Web3 revolution,” most of the mechanics were specifically designed to keep users within the Fintopio ecosystem. HOLD, HP, internal activity, contests, and constant announcements of future features fostered the audience’s long-term dependence on the service.\n\nReputation, Risks, and Features\n\nAt launch, the project appeared relatively public. Founder Roman Novak actively promoted Fintopio, and the project itself was mentioned on Binance Square, CoinGape, and other crypto media outlets. The platform had a full-fledged external ecosystem: a website, YouTube channel, Instagram, and mobile apps.\nHowever, by the end of 2025, the situation had changed dramatically. In October, the team announced the closure of its CeFi and DeFi wallets and asked users to urgently withdraw their funds by October 31. HOLD Points were completely canceled, despite months of promoting their value and future utility.\nReports of financial conflicts surrounding the project and news of the founder’s death in Dubai dealt a further blow to its reputation. Following this, allegations of fraud and issues with withdrawing user funds became the subject of active discussion within the crypto community.\nThe channel featured a large number of edited posts, and a significant portion of the content was built around FOMO tactics: contests, promises of future rewards, a “new era,” scarcity, and potential profits.\nNote: Fintopio is a prime example of how a crypto project can combine educational content, a user-friendly interface, and aggressive marketing centered around its internal ecosystem. Even with a public founder, applications, and external integrations, the risks for users of CeFi platforms remain extremely high.\n\nConclusion\n\nFintopio News was a major marketing channel for the crypto wallet, which attempted to combine DeFi, CeFi, and the Telegram Mini App into a single ecosystem. The project actively invested in its visual style, educational content, and the promotion of the idea of “social crypto,” but the eventual shutdown of the service and the cancellation of internal points effectively destroyed the audience’s trust.","text",3,false,1096471,[],[],"The channel truly sought to explain complex cryptocurrency topics in simple terms and focused on a mass audience, not just experienced traders. Fintopio was also one of the first to actively develop cryptocurrency transfers using Telegram and X usernames within the Mini App, which was technologically innovative for its time.","The entire ecosystem was built around the promise of future benefits from HOLD and HP, but in the end, these mechanics were completely scrapped after the project shut down. Users who had long maintained activity on the platform and kept their funds in the service were faced with the need to urgently withdraw their assets and lost trust in the project.",true,"2026-06-23T16:02:29.618Z",[58,62,66,70,74,75,79,83,87,91],{"id":59,"name":60,"slug":61},"3ae37dcb-8b7c-11f1-84ba-52a2ad238787","TRADING","trading",{"id":63,"name":64,"slug":65},"3ae39815-8b7c-11f1-84ba-52a2ad238787","INVESTMENTS","investments",{"id":67,"name":68,"slug":69},"3ae398cc-8b7c-11f1-84ba-52a2ad238787","ARBITRAGE","arbitrage",{"id":71,"name":72,"slug":73},"3ae3991e-8b7c-11f1-84ba-52a2ad238787","DEFI","defi",{"id":30,"name":31,"slug":32},{"id":76,"name":77,"slug":78},"3ae399c3-8b7c-11f1-84ba-52a2ad238787","NFT_GAMEFI","nft_gamefi",{"id":80,"name":81,"slug":82},"3ae39a16-8b7c-11f1-84ba-52a2ad238787","AIRDROPS","airdrops",{"id":84,"name":85,"slug":86},"3ae39a5b-8b7c-11f1-84ba-52a2ad238787","ECOSYSTEMS","ecosystems",{"id":88,"name":89,"slug":90},"3ae39ab3-8b7c-11f1-84ba-52a2ad238787","SOFTWARE","software",{"id":92,"name":93,"slug":94},"3ae39afd-8b7c-11f1-84ba-52a2ad238787","EXCHANGES","exchanges"]