Fintoch operates in the MLM crypto niche and represents itself as “a Silicon Valley company from America”.

Fintoch’s website domain (“”), was privately registered on April 12th, 2022.

Fintoch presents its CEO as “Bobby Joe Lambert”.

Lambert doesn’t exist. He’s played by US actor Mike Provenzano.

Provenzano cites himself as a US-based actor, producer and director.

We can rule out Provenzano’s likeness being stolen by way of him appearing in multiple Fintoch marketing videos.

Most of Fintoch’s marketing videos appear to be shot in New York.

Whatever Provenzano is being paid, it’s enough to get him to commit to the role.

Early on Fintoch pitched itself as “Morgan DF Fintoch LLC”.

This tied into the marketing claim that Fintoch was owned by Morgan Stanley.

The of course was bogus, prompting Morgan Stanley’s legal department to issue an “important notice” in January 2023.

It has come to our attention that there are digital platforms impersonating Morgan Stanley, including Fintoch 分投趣 (“Fintoch”).

Please note that Fintoch is using Morgan Stanley’s trade name and/or Morgan Stanley’s trademark or a variation thereof without authorization and we do not assume any responsibility for any transactions or results that may arise from the aforesaid platforms.

Morgan Stanley does not have any affiliation or relationship with these platforms.

The notice was issued through Morgan Stanley’s Indonesian branch. This reflects Fintoch being primarily promoted across Asia.

SimilarWeb currently ranks top sources of traffic to Fintoch’s website as Cambodia (43%), China (24%), South Korea (17%), Hong Kong (7%) and Malaysia (6%).

This geo targeting strongly suggests whoever is behind Fintoch is likely based out of Asia. Boris CEO MLM companies however are typically the work of eastern European scammers (Russia/Ukraine).

While it’s impossible to verify without further information, with Fintoch we likely have:

  1. Asians scamming asians;
  2. eastern Europeans scamming Asians; or
  3. eastern Europeans working with Asians to scam Asians.

One strong candidate is Singapore:

Beyond hiring US-based actors to play fictional executives, Fintoch doesn’t appear to have any actual ties to the US.

As always, if an MLM company is not openly upfront about who is running or owns it, think long and hard about joining and/or handing over any money.

Fintoch’s Products

Fintoch has no retailable products or services.

Affiliates are only able to market Fintoch affiliate membership itself.

Fintoch’s Compensation Plan

Fintoch affiliates invest $100 or more in tether (USDT). This is done on the promise of a 1% a day ROI.

Note that I’ve also seen 2% and 2.5% advertised, so at some point the ROI rate might have changed. Fintoch hides their investment scheme on their public-facing website.

Fintoch affiliates can either withdraw returns or reinvest for an increased 1.5% daily ROI.

Regardless of which option is chosen, Fintoch investment contracts run for seven days. After this reinvestment is required to continue earning.

The MLM side of Fintoch pays on recruitment of affiliate investors.

Affiliate Ranks

There are five affiliate ranks within Fintoch’s compensation plan.

Along with their respective qualification criteria, they are as follows:

  • GM – recruit five affiliates and generate at least 50,000 USDT in downline investment
  • VP – have two GMs in your downline and generate 150,000 USDT in downline investment
  • SVP – have two VPs in your downline and generate 500,000 USDT in downline investment
  • ED – have two SVPs in your downline and generate 2,000,000 USDT in downline investment
  • MD – have two EDs in your downline and generate 6,000,000 USDT in downline investment

Note that required ranked affiliates must be in separate recruitment legs.

Every time a Fintoch affiliate personally recruits a new affiliate, a new recruitment leg is opened up:

Referral Commissions

Fintoch pays referral commissions on invested funds down two levels of recruitment (unilevel):

  • level 1 (personally recruited affiliates) – 15%
  • level 2 – 10%

Daily Incentive Bonus

Ranked Fintoch affiliates earn 20% of daily returns paid to affiliates at the same rank.

If a downline affiliate ranks higher than an upline affiliate, the affiliate has 7 days to catch up to their rank. If they fail to do so the Daily Incentive Bonus on that downline affiliate is lost forever.

Rank Achievement Bonus

Fintoch pays a daily Rank Achievement Bonus to GM and higher ranked affiliates:

  • qualify at GM and receive 20% of their downline’s daily ROI amount
  • qualify at VP and receive 30% of their downline’s daily ROI amount
  • qualify at SVP and receive 40% of their downline’s daily ROI amount
  • qualify at ED and receive 50% of their downline’s daily ROI amount
  • qualify at MD and receive 60% of their downline’s daily ROI amount

MD Bonus Pool

Fintoch takes 10% of company-wide investment and places it into an MD Bonus Pool.

The MD Bonus Pool is shared equally among MD ranked affiliates who also have at least one MD in their downline.

Joining Fintoch

Fintoch affiliate membership is free.

Full participation in the attached income opportunity requires an active investment (active investments expire every seven days).

Fintoch Conclusion

Fintoch represents it generates external revenue via “lending, investment, and borrowing. No evidence of Fintoch being engaged in any of these ruses is provided.

Furthermore, if you buy into Fintoch’s claims of being based out of the US, Fintoch’s passive investment scheme constitutes a securities offering.

This requires Fintoch to register with the SEC. Fintoch isn’t registered with the SEC, meaning that at a minimum it’s committing securities fraud.

From its Boris CEO to bogus “Morgan Stanley” marketing claims…

…pretty much everything on Fintoch’s website is baloney.

This ties into Fintoch’s business model, which is of course that of a Ponzi scheme. All Fintoch are doing is recycling newly invested funds to pay off existing investors.

Although it was set up in April 2022, Fintoch didn’t actually gain traction till around December 2022.

Before December, Fintoch’s website was dead. If I had to guess, the original plan was to launch Fintoch back on or around May. That month Luna/Terra collapsed and dragged down the crypto market with it.

Fintoch’s launch was thus put on ice till later in the year.

As with all MLM Ponzi schemes, once affiliate recruitment dries up so too will new investment.

This will starve Fintoch of ROI revenue, eventually prompting a collapse.

When Fintoch does inevitably collapse, the exit-scam of choice appears to be their own shittoken and baloney virtual shares.

If they go that route, Fintoch investors will be left bagholding a worthless shitcoin and virtual shares in a fictional company.

Alternatively we could just get the usual “website down, buh bye” Boris CEO exit-scam.

The math behind Ponzi schemes guarantees that when they collapse, the majority of participants lose money.


Update 26th May 2023 – Fintoch has collapsed.


Update 18th August 2023 – Fintoch is trying to reboot as Standard Cross Finance.