| Direction | Supported Methods (Public Disclosure) | FXknows Analysis |
|---|---|---|
| Deposit | Multiple channels including bank transfer, credit/debit card, crypto wallet transfer; some articles note the platform supports multi-currency deposits. | Payment channels are relatively rich, which is convenient for clients in different regions to fund accounts. However, without a regulatory framework, funds are directly deposited into the platform or its associated accounts — once disputes arise, tracing and recovery will be extremely difficult. |
| Withdrawal | Claims withdrawals can be made via methods similar to deposits, with "fast processing" and "no fees." | Actual user feedback includes numerous cases of long withdrawal review times, demands for additional deposits or meeting transaction volume conditions before withdrawal, and even account freezes. Investors should fully recognize that "more channels" does not equal "safe and accessible funds." |
| Direction | Supported Methods (Public Disclosure) | FXknows Analysis |
|---|---|---|
| Deposit | Multiple channels including bank transfer, credit/debit card, crypto wallet transfer; some articles note the platform supports multi-currency deposits. | Payment channels are relatively rich, which is convenient for clients in different regions to fund accounts. However, without a regulatory framework, funds are directly deposited into the platform or its associated accounts — once disputes arise, tracing and recovery will be extremely difficult. |
| Withdrawal | Claims withdrawals can be made via methods similar to deposits, with "fast processing" and "no fees." | Actual user feedback includes numerous cases of long withdrawal review times, demands for additional deposits or meeting transaction volume conditions before withdrawal, and even account freezes. Investors should fully recognize that "more channels" does not equal "safe and accessible funds." |
| Category | Dimension | Content |
|---|---|---|
| Advantages | Product Range | Offers multiple over-the-counter (OTC) products including forex, commodities, indices, and cryptos — meeting the diversified investment needs of some risk-tolerant investors. |
| Trading Terminals | Provides proprietary WebTrader, mobile apps, and MT4 support (noted in some market materials); easy to use, with an interface designed to be beginner-friendly. | |
| Deposit/Withdrawal Channels | Supports multiple channels (bank transfers, bank cards, crypto wallets), theoretically offering flexible funding options. | |
| Disadvantages | Regulation & Compliance | Has not obtained any major financial regulatory license; listed as an unauthorised or clone firm by multiple regulators (e.g., UK FCA, Italy CONSOB, Netherlands AFM) — extreme platform risk. |
| Fund Security | Lacks clear client fund segregation, third-party custody, or payment system disclosures; external complaints include account freezes, inability to withdraw funds, and balance tampering — fund security is highly uncertain. | |
| Fee Transparency | The official side has not standardized spread/commission structures, only promoting "competitive" or "low" fees; combined with negative user experiences, actual costs and slippage are difficult to verify. | |
| Account Thresholds | Minimum deposits for all accounts start at €10,000, with the highest reaching €1,000,000 — placing significant capital pressure on individual investors. If risks materialize, single-loss amounts could be substantial. | |
| Negative Sentiment | Beyond regulatory warnings, multiple media and consumer platforms have questioned its legitimacy and user experience; the overall public opinion environment is negative. |
Fibonachis is a forex and CFD trading platform registered in offshore jurisdictions, but it is not authorized or regulated by major financial regulatory bodies. Due to this lack of effective oversight, the platform poses significant risks to fund security and customer protection.
Fibonachis emphasizes its trading experience and tool advantages in its official promotional materials, but does not provide any major regulatory license numbers or regulatory agency names on its public pages. Conversely, regulatory agencies in multiple countries have issued risk warnings or listed it as an unauthorized/clone company.
| Item | Disclosure / Actual Situation | FXknows Analysis |
|---|---|---|
| Major Regulatory Licenses | No valid licenses issued by mainstream regulators (e.g., FCA, ASIC, CySEC) found in any regulatory database. | As a CFD/crypto platform targeting global retail clients, the lack of major mainstream regulation means no protection for client funds, negative balance protection, or strict client-facing regulatory requirements — compliance risks are extremely high. |
| UK FCA Risk Warning | The UK Financial Conduct Authority (FCA) issued a notice naming Fibonachis.com as a "clone firm," using a fake address and contact details to impersonate another authorized company and solicit clients under a similar name. | The FCA explicitly states this website is unauthorised and belongs to a high-risk entity posing as an authorised firm. If investors engage with it, they will not be eligible for the UK’s financial ombudsman services or compensation scheme protection. |
| Italy CONSOB Order | Italy’s Commissione Nazionale per le Società e la Borsa (CONSOB) ordered the operator to cease business, based on relevant laws. It blocked fibonachis.com and its related trading page webtrader.alynto.tech for providing financial services to Italian investors without authorisation. | This strongly indicates the platform is a typical unauthorised operator in the EU region; regulators have confirmed significant compliance issues. |
| Netherlands AFM & IOSCO Information | The International Organization of Securities Commissions (IOSCO) publicised Fibonachis in its investor warning list, noting the website "https://www.fibonachis.com/" — information sourced from the Netherlands Authority for the Financial Markets (AFM). | This shows the platform is regarded as an unauthorised investment service provider across multiple EU jurisdictions, with widespread compliance risks globally. |
| Client Reviews & Complaints | Third-party reviews give Fibonachis extremely poor ratings: complaints focus on inability to withdraw funds, balance tampering, forced platform account liquidation, etc. A small number of positive reviews mention "rich tools" and "good interface." | Real user feedback is polarized, but negative reviews concentrate on fund deposits/withdrawals and account restrictions. Combined with its unregulated status and multi-country warnings, the overall security risk is extremely high — extreme caution is advised. |
Fibonachis claims to offer multiple account types with higher minimum deposit requirements, mainly by differentiating customer tiers by raising the minimum deposit standard, and using various marketing tactics such as "upgrade services" and "account managers".
Account Type Structure
According to publicly available account structure information, Fibonachis' account system includes multiple tiers such as BRONZE, SILVER, GOLD, PLATINUM, DIAMOND, PREMIUM, and VIP, each with different minimum deposit requirements.
| Account Type | Official Minimum Deposit* | Core Positioning | FXknows Analysis |
|---|---|---|---|
| BRONZE | €10,000 | Entry-level real account | Even the lowest-tier account has a deposit threshold far higher than the industry’s common €100–250 range, which is not conducive to small-scale trial experience. |
| SILVER | €25,000 | Advanced account | The "upgrade by raising deposit" design makes it easier to induce investors to continuously increase capital inflows. |
| GOLD | €50,000 | Mid-to-high net worth account | Large deposits combined with the unregulated status amplify the potential loss risk for individual accounts. |
| PLATINUM | €100,000 | High net worth / semi-professional account | High thresholds are not paired with additional risk controls (e.g., single-trade risk limits, fund protection, etc.). |
| DIAMOND | €250,000 | High net worth client account | The official side provides no more detailed transaction terms; the main distinction remains the deposit threshold. |
| PREMIUM | €500,000 | Customized private high-end account | This poses extremely high capital risk for counterparty investors, and lacks open, transparent underlying and risk disclosures. |
| VIP | €1,000,000 | Ultra-high net worth client account | Without regulatory oversight and custody guarantees, ordinary investors are not advised to place large sums in such accounts. |
*The amounts above are based on public account-opening statistics; specific thresholds may vary by promotions or regions.
Fibonachis typically uses abstract descriptions such as "competitive spreads," "low fees," and "no deposit or withdrawal fees" as selling points in its public promotional materials, without providing verifiable fee schedules.
| Fee Item | Official / Public Disclosure | FXknows Analysis |
|---|---|---|
| Spreads | Claimed as "competitive raw spreads"; no specific spread ranges or average levels are disclosed. | Compared to the minimum/average spreads typically disclosed by regulated brokers, Fibonachis has low transparency — investors cannot clearly assess actual trading costs. |
| Commission | No standardized commission schedule is publicly disclosed; some reviews note certain account types may use a "zero commission + spread" model. | The lack of official written fee schedules creates significant room for cost increases (e.g., via wider spreads, additional fees). |
| Overnight Fee (Swap) | No detailed swap rates or calculation methods are publicly disclosed. | For medium-to-long-term positions or leveraged crypto trades, this information gap increases uncertainty about actual holding costs. |
| Deposit/Withdrawal Fees | Articles state the platform "does not charge deposit/withdrawal fees" and claims processing is efficient. | Even if the platform waives fees, third-party channels (banks, e-payments, on-chain fees) still incur costs; user complaints mention issues like withdrawal difficulties, delays, or freezes — "zero fees" does not equal safe and accessible funds. |
| Leverage Level | Market data shows maximum leverage can reach 1:400, depending on the product and region. | Leverage levels far exceed limits for retail clients in most regulated markets. While this improves trading flexibility, it greatly amplifies liquidation risk. |
Fibonachis claims to offer multi-asset trading channels, covering both traditional financial and digital asset markets.
| Product Category | Typical Products | FXknows Analysis |
|---|---|---|
| Forex | Major, minor and cross currency pairs (e.g., EUR/USD, GBP/USD, USD/JPY) | Standard CFD forex products; no specific spread ranges or tradable currency pair counts are disclosed, with limited transparency. |
| Commodities | Gold, silver, energy products (offered via spot/CFDs) | The official side and reviews only vaguely mention "commodity products," lacking detailed rules and margin ratio explanations. |
| Indices | Major index CFDs (e.g., US, European and some Asian indices) | Suitable for speculative trading, but portfolio risk is amplified in a high-leverage environment. |
| Cryptocurrencies | Major cryptos (e.g., Bitcoin, Ethereum) and some altcoin contracts | A key focus of the platform; combined with its unregulated status and non-compliance with Italy’s MiCAR regulations, it has significant risk in crypto asset operations. |
Fibonachis advertises its support for mainstream third-party platforms and its self-developed terminals, emphasizing a "multi-terminal integrated" trading experience.
| Platform Type | Description | FXknows Analysis |
|---|---|---|
| Proprietary WebTrader | Web-based trading terminal provided via the domain webtrader.alynto.tech; allows direct login and account operation in browsers. | Browser access is convenient, but this domain is also blacklisted by regulators — indicating the platform’s overall technical environment and compliance risks are significant. |
| Mobile Application | Supported in the client portal for mobile trading; offers marketing tools and real-time quote push. | No official direct links or developer entity information are disclosed; authenticity, security, and maintenance support are difficult to verify. |
| Third-Party MT4 Support | Some reviews note Fibonachis supports the MetaTrader 4 (MT4) platform for forex and CFD trading. | Even if industry-standard software is used, if the server is completely disconnected from regulators, there is no regulatory guarantee for quote integrity, trade execution, or order processing. |
FXknows Summary: From a trading experience perspective, multi-platform deployment does improve usability; however, the lack of transparency in technical hosting and data center information, plus the key WebTrader domain being directly named by regulators, means technical environment and compliance risks are severely heightened.
| Type | Content Examples (Public Description) | FXknows Analysis |
|---|---|---|
| Market Commentary | Market overviews, trending asset reviews, volatility interpretations, etc. | The content format is similar to most CFD platforms; it mainly serves as a marketing and user-acquisition tool, rather than forming independent investment advice. |
| Trading Guides | Beginner tutorials, chart tool usage instructions, etc. | These have some reference value for new traders, but in an unregulated environment, "educational content" is often aligned with marketing positioning — investors should maintain independent judgment. |
| Crypto Special Topics | Emphasis on crypto trading opportunities and platform advantages | Such content is generally presented from a bullish perspective, with little coverage of regulatory, custody, counterparty, and other systematic risks. |
| Item | Details | FXknows Analysis |
|---|---|---|
| Contact Channels | The clone firm’s contact details listed in regulatory warnings include UK phone numbers: +44 203 996 6137, +44 203 897 3773, and the email [email protected]. | These contact details were flagged in regulatory risk warnings, which advise investors not to use them. If investors have already communicated via these channels, they should retain relevant records for potential rights protection. |
| Live Support | Marketing materials mention live support (e.g., instant chat, email support). | No information about the support team or local service regions is disclosed. In multiple complaints, users report delayed responses or being cut off after requesting withdrawals. |
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