Telegram personality Artur Ratner (“About money”, handles such as @ratner_official / @arthurratner) has been reported steering followers into Cyrus Finance and LoomX (app.loom-x.com and similar). The sales copy is textbook: a deposit for ninety days, a daily percent, partial “flexible” withdrawals, and a fat rank table — “I already have 160 people on my team.” That last sentence is the business model.
Independent MLM watchers have described LoomX-style apps as click-to-earn “quantitative trading” shells with deep referral trees and little verifiable ownership. Cyrus Finance has likewise been promoted with multi-level affiliate tables; separate on-chain reporting later described a large drain from a protocol using that name. None of that is a personal court verdict on every promoter. It is enough to refuse the invite.
Ask for audited trading books, a named licensed firm and a withdrawal to an account in your name before you fund anyone’s depth. If the proof is a team screenshot and a daily coupon, you are looking at a cash-flow pyramid dressed as DeFi. Walk away; do not “top up to unlock”.
If you already deposited, start at Get help. Ignore fake recovery upsells that appear when cabinets freeze.
This article is for general information only. It is not legal or financial advice. Details change. If you have lost money, contact your bank or card issuer and use the routes on the help pages.