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Talkgold HYIP, Investment & Money Forum > Other Ways to Make/Save Money > Taxes, Offshore Banks, and Legal Issues > Anyone got experience with www.caixarico.com?
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Lauriat
08-06-2015, 09:06 AM
Apparently this service is offered by one of the talkgold members, funny is that his website looks like joke, not even SSL secured and not much information is provided.
the_crippler
08-06-2015, 09:52 AM
You need to calm down a bit, the main site has a simple design that is true. It will be SSL secured, we are waiting for the bank to approve our banking software . As soon as it is done the software will be integrated with the site and all security will be in Place.

Only Reason for the site being live now is for people that already have signed up for account to have contact directly with account manager or live chat instead of me having to answer 100 emails per day. Another thing is that we have been approved by the bank to sign limited amount of clients and it seems we will reach that limit within a week
AgentOrange
08-06-2015, 10:47 PM
try sending him 1M bucks see how much he lasts around....

for christ sakes!!! this guy was selling a poker site, riccopocker few years ago,
now this....!

hope people dont do too many stupid things on AEOI...
AgentOrange
08-06-2015, 10:55 PM
Ask him to show Panama Finance License?

- - - Updated - - -

How old the license? etc .... hope you get the idea....
the_crippler
08-06-2015, 11:07 PM
Has any one during my 10 years on the forum accused me of scam? NO!
has any one said anything about my online casino or any other sites and projects i have been involved with? NO!

I have been involved with well known exchangers during last 12 years ( No need to name drop )

So why do you post something stupid ?

If i was about to scam after 10 years on the forum i would have chosen much easier way!

So what ? i did involve bank , paid alot of money to start debit card program , banking software to scam for 10k-20k? do you even know how much card program or banking software costs?

Now please take your 6 posts and relax and learn bit more and gather more facts before you accuse some one for scam .

I also see now you have edited your stupid post! offcourse we can share info about our Panama FSP. Also you do not need to be Einstein to understand the company was registered just a month ago! so what does that have to do with anything?

Also another fact for you! Panama FSP does not mean ****! it is only piece of paper to show the banks. what is important in this game is good contacts with the bank and that i have .

Lets make this easy for you and recap because i think your brain is not strong enough !

10 years of history on the forum. Several projects under my belt on the forum during this time and no one has even accused me of scam! Having a bank trust me enough and allow me to offer this service should also make you shut up and play nice little puppy . Now please go and play the HYIP game with the 10 USD your mother gave you.
Pt2014
08-07-2015, 03:51 AM
Can you accept third party wires? How the instructions look like?
Lauriat
08-07-2015, 07:57 AM
The_crippler when will be more detailed information available about your project. It sounds dead interesting if it's true, just need more information.
the_crippler
08-07-2015, 08:19 AM
Can you accept third party wires? How the instructions look like?


Yes, this service works like any bank account. Each account holder can accept 3rd party wires.

Please contact Anna or Marcus on the sites live help and they will answer your questions
the_crippler
08-07-2015, 08:23 AM
The_crippler when will be more detailed information available about your project. It sounds dead interesting if it's true, just need more information.

You can always ask our live help any questions you might have. We can not have too much information on the site because of the agreement we have with the bank .
AttorneyRu
08-07-2015, 04:11 PM
I have talked with the_crippler several times. He seems to be knowledgeable about what he is doing.
the_crippler
08-07-2015, 10:09 PM
I have talked with the_crippler several times. He seems to be knowledgeable about what he is doing.

Thank you ,Always great talking to you and i appreciate the pointers you have given me .
fuaeoi
08-08-2015, 09:55 AM
The_crippler,

I did send application + ID as instructed to accounts department. I did get email back from them saying that i need to resend application again on Wednesday. Do not understand the cause of this.
the_crippler
08-08-2015, 01:01 PM
The_crippler,

I did send application + ID as instructed to accounts department. I did get email back from them saying that i need to resend application again on Wednesday. Do not understand the cause of this.

Sorry but i do not know the exact reason but is better to talk with Maria or live help directly. I think this is because during the last 24 hours we did get alot of applications and accounts department are bit overloaded. In order to give best service they want to hold new applications to clear the backlog caused.

As pointed out earlier in this thread , The bank has allowed us to have limited nr of clients. We need to be careful on how many applications we can take at once. This thread has been very helpful for getting clients. I thank the OP ;)
Pt2014
08-09-2015, 01:41 AM
I just wonder how the relation with the bank can last , I am sure at the first complain for wire fraud. The correspondent will close everything Any body knows which bank is he using?
Seer2020
08-09-2015, 02:35 AM
the_crippler, can you explain the program a little more .Do we receive a bank account in Panama? Which bank are you using?Is this a remote account opening? As a frequent traveler to Panama Im quite curious what you're offering.
Seer2020
08-09-2015, 02:37 AM
I just wonder how the relation with the bank can last , I am sure at the first complain for wire fraud. The correspondent will close everything Any body knows which bank is he using?

This is a great question. I travel to Panama regularly, I know the system. Cant wait to hear more!
the_crippler
08-09-2015, 08:21 AM
I just wonder how the relation with the bank can last , I am sure at the first complain for wire fraud. The correspondent will close everything Any body knows which bank is he using?

We have made all the arrangements with the bank , we have AML agent and system to make sure we detect fraud etc and the bank we work with will off course also monitor to prevent any fraud or other illegal activities. We have to share KYC with the bank in case of fraud or other illegal activities and this will make sure that we keep a good relation with the bank . There is alot more involved in keeping our company and the bank safe and offcourse is nothing i would talk about with thirdparty.
the_crippler
08-09-2015, 08:31 AM
the_crippler, can you explain the program a little more .Do we receive a bank account in Panama? Which bank are you using?Is this a remote account opening? As a frequent traveler to Panama Im quite curious what you're offering.



The bank we work with is in the EU ( Slovenia ) , each client will have their own IBAN and each client can receive third party international wire. Let me make something clear here. We are not a bank , we are not allowed to call our self's a bank. Each person will be client of our company and our company is the client of the bank. Think of it like a bank inside a bank. All accounts are opened remotely,
AgentOrange
08-09-2015, 09:59 AM
The bank we work with is in the EU ( Slovenia ) , each client will have their own IBAN and each client can receive third party international wire. Let me make something clear here. We are not a bank , we are not allowed to call our self's a bank. Each person will be client of our company and our company is the client of the bank. Think of it like a bank inside a bank. All accounts are opened remotely,

Real funny, first he was telling people in PMs
that the bank was in Poland (Pekao) and no KYC
details shared with the bank. Now after a couple months
the bank is in Slovenia and he will have to share details with
this EU bank... yet he still advertizes this as a No AEOI program,
when it is indeed to let the fox guard the hens....
the_crippler
08-09-2015, 10:08 AM
Now you going at it again hahahah

First you accuse me and my service being a scam and i did shoot you down on that with facts. So you did go and hide, now you feel like you have new things to come at me again . let me please shoot you down again !

I have never ever said to any one that we do not have KYC! I have always said that KYC will be shared in case of fraud or illegal activities . When i started out we had agreement with Pekao but that did not work out as their debit card program changed and they did not accept our company having our own debit card program . So i had to find another bank that accepted our requirements. What is really your problem? You are welcome to question me or doubt me and my service . But please make sure you come with solid facts!

Please ,share screens or any solid proof of me or any one working for my company saying we do not have KYC!!!!

You are making a fool of yourself .

As for my setup avoiding AEOI this is still true. But since you seem to have retardation let me please make it simple for you!

Us sharing KYC on clients that are invloved in Fraud or any other illegal wire transfers has nothing to do with AEOI !

Clients that do have good intentions offcourse go under the radar and bank will not have any information that would cause their info to be shared with their home country AEOI .
Seer2020
08-09-2015, 12:11 PM
Clear.Thanks for informative response the_crippler.Just two be clear I do not accuse you of scams, just wanted more info.Again you cleared it up nicely.
the_crippler
08-09-2015, 02:30 PM
Clear.Thanks for informative response the_crippler.Just two be clear I do not accuse you of scams, just wanted more info.Again you cleared it up nicely.

No no , i know you were not. My posts were pointed to agentorange that seems to have a screw loose and realy posting some wierd accusations.
AgentOrange
08-09-2015, 10:17 PM
Now you going at it again hahahah

First you accuse me and my service being a scam and i did shoot you down on that with facts. So you did go and hide, now you feel like you have new things to come at me again . let me please shoot you down again !

I have never ever said to any one that we do not have KYC! I have always said that KYC will be shared in case of fraud or illegal activities . When i started out we had agreement with Pekao but that did not work out as their debit card program changed and they did not accept our company having our own debit card program . So i had to find another bank that accepted our requirements. What is really your problem? You are welcome to question me or doubt me and my service . But please make sure you come with solid facts!

Please ,share screens or any solid proof of me or any one working for my company saying we do not have KYC!!!!

You are making a fool of yourself .

As for my setup avoiding AEOI this is still true. But since you seem to have retardation let me please make it simple for you!

Us sharing KYC on clients that are invloved in Fraud or any other illegal wire transfers has nothing to do with AEOI !

Clients that do have good intentions offcourse go under the radar and bank will not have any information that would cause their info to be shared with their home country AEOI .


You are twisting the facts for your convinience..... I NEVER said you claimed there
would never be no KYC involved, i said you were stating no need to share customer data to Pekao as Rico is the proxy btw customer and Pekao, blah blah..... Then later you saying you have to share witj a Slovenian bank for them to oversee things and prevent fraud etc....when I poont this out then you reply back calling me retarded ( insulting seems to be your style which really tells very little if any good about you!) and twisting facts again: now you suggest KYC willonly be shared to the bank for those customers commiting fraud....

I wonder what your next claims will be contradicting yourself this time again....
the_crippler
08-10-2015, 12:15 AM
OK i am going to adress you for the last time and then i do not care what you post here anymore.

We do keep KYC but do not need to share it with any one unless there is fraud or other illegal activities, what is it that you find contradicting? go back and read my posts again! Do i need to make drawings for you?

Our setup is to keep clients safe from AEOI in a legal manner so they do not have to spend money on residency programs or other more expensive solutions

Our service is not about offering banking services to fraudsters and that is why we keep KYC and will have to share KYC if some how one of the bad guys have escaped our nets and misused our service.

I am always a nice guy to talk to and i have made a lot friends during my 10 years here. But you , you are different story . From your first post in this thread you try to twist and put out wrong information. That is why i say i think you have retardation

Nothing has changed from the first business plan besides the bank we work with. And we are still looking to get another bank to work with that will give us freedom to create unlimited sub accounts . Who knows , we might even be share holders of the bank and in that case even more freedom to us but still we will need to be on the right side of the law to keep our self's and clients safe.

Is our service for every body ? no off course not. But if a person wants a good low cost and legal way to lets say go around the new rules then sure we are a good option.

Is our site the best looking site out there, no not really! it is simple, not much information about our service and the application forms looks like a third year old made it. But , we do have great people working in the company, we have great live help , we have great and secure banking software and an EU bank that trusts me and my business plan and we feel those factors are far more important then a good looking shell.

Agentorange, It is maybe due to the fact that i am tired from alot of work and lack of sleep in the last 4 days that i feel i need to adress you. Normaly i do not bother with some one like you. I normally do not want to name drop or try to show i have good history. I do not think this will hurt wm-center if i share this , but they did alot of my exchanges and they did involve thirdparty with good amounts involved almost daily. They did that for me for more then 6-7 years. They did even trust me so much that in the end i could have links to my site on their website free of charge. I have alot more stories like that and i can name drop others but they are still active on this forum and maybe is not fair to their service if i share. All i see is you and your 15 bullshit posts and 4 weeks here talking trash . Now calm down i do not owe you or any one else anything on this forum .
Pt2014
08-10-2015, 11:43 PM
What are the tariffs ? Thanks
the_crippler
08-11-2015, 10:57 AM
What are the tariffs ? Thanks

pt2014, the fees are the same as i did send you via PM a while back . Please contact live help and they will answer all your questions.
the_crippler
08-11-2015, 07:11 PM
I get alot of PM asking same questions ,

There is no upfront payment for account setup!
when you want to open account , you send in the application and supporting documents. When approved you will receive your banking details and you can start using your new bank account. It is now when you need to pay the setup account fee directly from your new bank account

All accounts can receive 3rd party international transfers as long as transfers are not made from :
Iran, Iraq, Afghanistan, Pakistan, Saudi,North Korea,

Again i want to ask everyone to contact live help directly instead of sending me PM. I will not be able to answer .
Pt2014
08-12-2015, 03:34 AM
I suggest to update a bit the website and put a f.a.q section, you gain a. Lot of trust , any financial service will provide their data. Like place of incorporation, tel numbers, who is regulator, etch
Good luck with your psp , I suggest you to have more accounts than only 1 bank that could be at risk closing any time,
Do you issue debit cards as well?
the_crippler
08-12-2015, 09:41 AM
We can not have too much info on the site. This is because of the agreements we have with the bank and the kind of service we are offering. I do not share your views on us not being able to gain trust based on the fact that we do not have detailed information , phone nr and address etc. You have to think about following details:
Each client gets IBAN account with the bank and clients funds are stored at that bank and not with us. We do not have any control of client funds.
Clients understand that bank does trust us to offer this service and that is good reason for them to trust us as well. We do not ask for any upfront payments , setup fee is only paid when clients account at the bank is active.

As your question about who is regulator. Panama Fsp is not regulated. The bank we work with is offcourse regulated. Think of our service as a proxy service.


We have no more accounts left as of yesterday. We will still accept applications and each client that is approved will be put in a que system until new accounts are available.

We are in talks with other banks and they are willing to work with our setup but nothing is certain until we have signed the agreements. We are also looking into buying shares in a bank in the UK and as i did mention before this will give us more freedom.

As your question about who is regulator. Panama Fsp is not regulated. The bank we work with are offcourse regulated. We are a proxy between the bank and our clients . Clients funds are processed via the bank , we do not have real control of clients money.

We do not issue debit cards , we do have debit card program . Debit card is included with each account. No name on the card or the magnetic strip

Now that we have this thread , lets make use of it. Let me put my money where my mouth is by offering 20 accounts for free.

I need members with following requirements:

* Minimum 2 years on the forum
* Minimum 100 posts
* Active in the offshore section

Send PM to me. What i want is honest review in this thread. I reserve the right to choose members
fuaeoi
08-13-2015, 01:02 PM
The_crippler , i can not send PM and i need bit of help
I did get my account details but i can not access my account on caixarico site. I did send email to Maria but without reply
the_crippler
08-13-2015, 02:14 PM
The_crippler , i can not send PM and i need bit of help
I did get my account details but i can not access my account on caixarico site. I did send email to Maria but without reply

The banking software is still not approved to be linked via our site. in the email with your new bank account details there is also a link that takes you to secure online banking . If not in the email , please contact live help and they will help you
fuaeoi
08-14-2015, 07:57 AM
Thecrippler, matter has been solved and i have the banking link . Thank you
the_crippler
08-15-2015, 10:17 AM
Thecrippler, matter has been solved and i have the banking link . Thank you

Very good , you can also contact support directly from the online banking or use live help on caixarico site if needed.
Pt2014
08-15-2015, 10:31 AM
So which bank is he using?
Pt2014
08-15-2015, 10:32 AM
Can you receive money in your company name or in name caixarico?
the_crippler
08-15-2015, 12:59 PM
Can you receive money in your company name or in name caixarico?

Every account holder recives 3rd party international transfers to their personal name or company name. never in caixarico name.
Pt2014
08-16-2015, 01:30 PM
I think you did a great work , hope will stand the pressure from. U.S. And eu
Madswede
08-16-2015, 07:06 PM
crippler, trying to understand your banking service. Can you please pm me your email ? i can not send PM
the_crippler
08-17-2015, 10:56 AM
I think you did a great work , hope will stand the pressure from. U.S. And eu

Thank you . It was not easy but we did manage to put it all together. I am sure we will not get any pressure from U.S since we will not have USA clients and not many USD transfers. Also i am bringing in very good people that have worked with Banking in Sweden , Germany and they will have good pointers on how to improve things and also keep our service free from big brother in a legal manner


crippler, trying to understand your banking service. Can you please pm me your email ? i can not send PM

I did send you PM with contact details.

Our service is simple. It is mainly aimed toward clients that want to have legal ways around the new banking laws but There are many other uses and advantages :

* Banking in the EU
*Bridge between your offshore and onshore account
*Account for salary or back up account
*Easy and fast to open account
* Tax planning
Asia Offshore Expert
08-17-2015, 11:30 AM
crippler - very interested on your product, we need exactly something that can link our offshore to onshore account. Please PM me the banking and debit card details.
fuaeoi
08-19-2015, 09:56 AM
So far all well with my account,first wire in without problem.
Pt2014
08-20-2015, 12:05 AM
Can you tell us which bank they use?
ATM990
08-20-2015, 12:01 PM
Could you tell how your system can avoid the AEOI if the bank is in europe?
Because you said that your customers are also customers of your bank and why should your bank hide this information and break the law?
the_crippler
08-20-2015, 01:40 PM
Could you tell how your system can avoid the AEOI if the bank is in europe?
Because you said that your customers are also customers of your bank and why should your bank hide this information and break the law?


Banks that we work with does not need to hide information so they are not breaking AEOI agreement. Each client is client of Caixa Rico S.A and caixa rico is client of the bank. Any information that needs to be exchanged is about caixarico And since caixarico is not a bank the AEOI does not apply to us . Is not hard , the hard part is to have a bank understand and willing to work with this setup. I am an open person and would love to write more in details but it would just cause problems.

Caixarico or the banks we work with are not about breaking any laws or agreements . Caixarico is about offering banking services to clients that need tax mitigation in a legal manner.

I have people in caixarico that have worked for Swedbank and SEB and they are making sure that our setup holds water and is safe for everyone involved.
ATM990
08-21-2015, 10:23 AM
Banks that we work with does not need to hide information so they are not breaking AEOI agreement. Each client is client of Caixa Rico S.A and caixa rico is client of the bank. Any information that needs to be exchanged is about caixarico And since caixarico is not a bank the AEOI does not apply to us . Is not hard , the hard part is to have a bank understand and willing to work with this setup. I am an open person and would love to write more in details but it would just cause problems.

Caixarico or the banks we work with are not about breaking any laws or agreements . Caixarico is about offering banking services to clients that need tax mitigation in a legal manner.

I have people in caixarico that have worked for Swedbank and SEB and they are making sure that our setup holds water and is safe for everyone involved.

Thank you, thats enough information for me. Seems pretty understandable.
It's pretty similar to payoneer or paxum if I'm not wrong.
the_crippler
08-21-2015, 01:23 PM
With paxum or payoneer you will not have your own bank account. You will need to withdraw your balance to your bank account

With Caixarico , you will have your own Bank account
Madswede
08-23-2015, 03:56 PM
crippler, i have applied for account and waiting for approval. I have two questions and i was thinking is better to ask you .
Will caixarico offer savings account with interest in the future?

Is there any way one can make cash deposits into the account?
the_crippler
08-23-2015, 04:36 PM
crippler, i have applied for account and waiting for approval. I have two questions and i was thinking is better to ask you .
Will caixarico offer savings account with interest in the future?

Is there any way one can make cash deposits into the account?

Accounts with interest will not happen. It is not part of our business plan or something we are allowed to offer. About your cash question, there is away around that. I have another company that i did start a while ago for my clients and it can be used to send cash into the account.
expat_asia
08-23-2015, 05:45 PM
the crippler - Please PM...I have some questions.

*****************************************


You can always ask our live help any questions you might have. We can not have too much information on the site because of the agreement we have with the bank .
Pt2014
08-23-2015, 08:09 PM
I am trying open an account. For now more than 2 weeks I thinks they are very busy
the_crippler
08-23-2015, 08:50 PM
I am trying open an account. For now more than 2 weeks I thinks they are very busy

I did get this weeks report and we have processed more then 190 applications and there are no back logs. So i do not understand how you have been trying to open account without success. Who did you talk to? send me PM and i will check

I need to point out , all accounts are taken. We still take applications and if approved each client will get their account when new accounts are available. This may take 2 weeks or 4 weeks. Account opening is free so demand has been high and we are working on having the bank release a lot more sub accounts but it will be slow since the bank wants to move slowly and that i understand.
AB Holdings SE
08-29-2015, 08:39 PM
This is truly amazing that 190 people would trust, by your own words, an unregulated Panama company acting as a bank. I cannot imagine a licensed bank that would allow an unregulated company to offer bank accounts to 3rd parties in today's highly regulated environment.

If the bank has no knowledge of your clients and no AEOI exchange then they can place no claims on the money in the event of a dispute. If or rather when the bank freezes your account for violating their terms of service and 190 people lose their funds. Only the owner of the account would be able to claim the funds.

I realise your a member of the "Talkgold Best" club to a site primarily dedicated to HYIPS and Ponzi's. I don't see a great number of post in the offshore banking forum until just lately.

If you've got 190 clients it is better to get a real e-money license and be able to deal with a bank that knows you provide financial services to clients. Les risk for you and your clients. Too bad Streber is not around anymore to comment. I'll probably get banned for just posting this hehe.
the_crippler
08-30-2015, 10:29 AM
This is truly amazing that 190 people would trust, by your own words, an unregulated Panama company acting as a bank. I cannot imagine a licensed bank that would allow an unregulated company to offer bank accounts to 3rd parties in today's highly regulated environment.

If the bank has no knowledge of your clients and no AEOI exchange then they can place no claims on the money in the event of a dispute. If or rather when the bank freezes your account for violating their terms of service and 190 people lose their funds. Only the owner of the account would be able to claim the funds.

I realise your a member of the "Talkgold Best" club to a site primarily dedicated to HYIPS and Ponzi's. I don't see a great number of post in the offshore banking forum until just lately.

If you've got 190 clients it is better to get a real e-money license and be able to deal with a bank that knows you provide financial services to clients. Les risk for you and your clients. Too bad Streber is not around anymore to comment. I'll probably get banned for just posting this hehe.

Now , again it seems another new member coming in and not being able to read everything i post.

we do not have 190 clients, we have a lot more then that! if you go back and read. I did write was , we process around 190 clients per week.


It seems you just claim a lot without knowing the facts. Most of the facts about how this works has been explained by me several times in this thread. there is so much crap in your post so i do not know where to start and what to answer.

But i start with the most important one , and that is that you claim bank putting " no claims " on the money. Again it seems you just put information out without anything to stand on!

Have you ever had dealings with a bank ? how did you think our co operation with current bank started? Do you not think the bank did ask everything needed to keep them safe and the setup would work without putting any one in danger? Do you think , i just called them up and said. Hello Mr bank, can i please work with you and offer accounts via our FSP? and they would say, well yes. Hold on we open account for you right away. I had to bring in couple of people from banking sector to work on this and handle negotiations and have the agreement in place. This is not a one man show.

All points and scenarios have been agreed on upfront by the bank and i can tell you they know more then what you ever will know about this matter .

Now to your point about me having been here for so long and not having much posts in this section. For me it works like this. If you do not have anything good to say. Do not say it. I did join this forum 10 years ago when i started doing a lot of exchange with WM-Center and i was here in the beginning to keep my eye on their thread.They were all third party exchanges and as you might know , the exchangers even back then did not accept third party exchange. I have also done couple of projects here and no one ever said i did run with their money , that is more then i can say for other members here. I am also involved in acquiring bank for couple of my business partners. I hope members that know me offline can confirm this.


You post like you are some kind of expert, well in that case im sure me and you should have some very good friends in common in European banking world. Contact me and we can compare names and banks. Otherwise please stop playing important and wise ass
This forum has in the last few years turned out to be filled with talkers and so called experts putting out information by reading on the internet.
AB Holdings SE
08-30-2015, 07:33 PM
I was in banking industry for about 15 years working for various commercial and private banks in Scandinavia, Switzerland and Europe in various roles from compliance to account management. For the past 2 years I just manage my own investments offshore but I still so******e and network with bankers on a regular basis.

The fact is you are trying to operate a bank within a bank without a banking or money transfer license that would be recognised by a legitimate bank. Without this mandate when a bank sees a dramatic increase in the volume of transfers in or out they are going to initiate an internal inquiry comparing the business profile you provided when you opened the account with the current account operations. The next step is you will be required to justify why there is an increase in activity. Banks today know what to look for as the business you are attempting to operate could result in tremendous problems for the bank if it is discovered later rather than sooner. I cannot tell you how many times when working in compliance when we had to freeze and shut down accounts for someone trying to operate an unlicensed financial service or investment company. One of the simplest tricks we would use would be to send SWIFT messages to the banks of several of the depositors asking for a reason for the transfer or stating it would be returned. In the cases of financial service companies we would usually get a reply from a few of them that it was for account funding.

The account is then immediately frozen and a more thorough investigation ensues. In cases involving millions and according to the different countries reporting laws these are turned over to the financial crimes division. If no criminal cases is brought forward, which in most cases it is not, the signatory for the bank account is then informed his account is to be closed and he/she can withdraw the funds to his personal account or if it was a corporate account, to the same named corporation at another bank

After a two to four weeks the bank starts receiving calls from the "clients" of the unlicensed company asking where their money is. If all funds have been withdrawn, which most are, there is absolutely nothing the bank can do other than suggest they contact a lawyer and pursue legal action against the company. If the company is based in a tax haven there is nil chance of anyone being able to recover a penny.

If you are claming you know European banks, which are among the most highly regulated in the world, would openly allow this you are blowing smoke. You may have given them a partial picture of your business such as buying and selling crypto currencies which some Eastern European banks accept but I sincerely doubt the bank knows your accepting deposits and opening "bank accounts" for clients. No bank is going to risk their license no matter how close your relationship may be.
the_crippler
08-30-2015, 08:11 PM
Again you write information that does not apply to our operations!

You say we are operating a bank within a bank. That is something i did write while back to explain the setup! we are not a bank and would not claim to be. We are licensed to handle third party funds and that has been accepted by the bank we work with. We are operating under same business plan as we have presented to the bank! why would there be any surprise to the bank about what we are doing??? they have seen our website, they have seen our business plan . Nothing is new to the bank and frankly i am surprised when you say that you have worked with banks and you claim that the bank we work with can all of the sudden wake up and freeze our accounts. The bank we work has done all the due diligence and has approved all we have presented.

Again , let me make this easy for you. Banks are not stupid, it is hard as it is to open personal account with them let alone operating kind of setup we have. But when approved you can bet your first born child that they are secure with what has been presented to them.

You have worked in Sweden you say. I do not know at what level, we have people from Swedbank on board and also other very respected banking figures. You are again talking like you know our agreement with the bank and is better you stop claiming things that you do not know anything about.


It would have been much better if you asked questions and base your assumptions of our business on those answers. But you just went in going hardcore making claims that does not apply to our setup.
Pt2014
08-30-2015, 08:26 PM
I think this guy is just jalous , of course he is salivating you got a good job done hope you will succeed , and panama did not sign any exchange information agreement hope they will stay on the right path
the_crippler
08-31-2015, 09:30 AM
I think this guy is just jalous , of course he is salivating you got a good job done hope you will succeed , and panama did not sign any exchange information agreement hope they will stay on the right path

Thank you for the kind words and wishing our service well. Sure, i agree there are a lot of people jealous and wanting to know how we did get this done. That is ok , but i can not stand when some one just makes bullshit posts and want to make them self's look important on my expense . But is ok , they only makes them selfs look stupid time after time
Tamarind
09-01-2015, 08:21 AM
So, whats the point for random people coming here to criticize the Business working of a user, that they have no clue how it's run on the background?

As far as no user here complains of a real rip-off or that has lost money with the structure of a person here who is selling the service, what's the big deal with "pretending I am smart" here?

Let people work, some will get burned, some not, part of how this way of doing business works.

We are all adults here, and this forum is not for mere mortals, but for more accomplished risk-taking people.

The fact we are here to deal with unknown people, implies that we are ready to take "some" risk with our money.

Good luck.
hublot
09-01-2015, 03:19 PM
Hi Guys,

2 questions.....

1) Can anyone who's already using the service provide a review or some sort of feedback on their expirience so far?

2) the_crippler, do you have an ETA as to when new accounts will be available?

Thanks
Hublot
AB Holdings SE
09-01-2015, 08:21 PM
I think this guy is just jalous , of course he is salivating you got a good job done hope you will succeed , and panama did not sign any exchange information agreement hope they will stay on the right path

Jealous? I do not provide banking services or services to anyone for that matter. I am simply warning people that "banking" through a unlicensed and regulated company is a great risk. Banks do not allow this sort of service without a EU money transmitter license or banking license. A Panama Aviso de Operacion, which I have seen on several Panama offshore sites offer, is a local license. It is not valid outside of Panama and is certainly not designed for deposit taking. Even a Panama bank would not allow you to offer these service through them. If Panama would not why would a highly regulated European bank do so?

In the end it is up to each individual to decide the level of risk they wish to take to avoid the automatic exchange of information. I only wish for people to understand those risk and the track records of organisations such as the New Zealand FSP's, fake Swiss and Swedish trust companies etc. Out of every 100, 1 will likely survive a year or more, 99 will close. For the sake of depositors I hope Caixarico is the exception and not the rule.
Pt2014
09-01-2015, 09:10 PM
I think your knowledge of rule of law is basic , panama companies are entitled to do business worldwide, of course it would be better have account in Citibank. But it looks complicate these day , I think the scheme they use a bit border line but there is many little banks that need to grow and I wish them all good luck
AB Holdings SE
09-14-2015, 05:50 PM
I think your knowledge of rule of law is basic , panama companies are entitled to do business worldwide, of course it would be better have account in Citibank. But it looks complicate these day , I think the scheme they use a bit border line but there is many little banks that need to grow and I wish them all good luck

Panama companies can do business worldwide. A Panama company cannot provide financial services such as debit cards, take deposits or provide transfer services without a real license which requires a minimum of 500,000 USD paid in capital.
the_crippler
09-17-2015, 06:59 PM
Ab Holdings, again you say too much without any experience. You say , " a panama company can not provide financial services"

Panama FSP can provide all that and all is stated in our Aviso. All this has been accepted by EU bank and we are still active and our clients do not have any problems. So i still do not understand why you keep writing like you know everything about this matter.

Only problem we have at the moment is that the demand is too high and we do not have more accounts form the bank ; )

it will be solved soon.
Pt2014
09-17-2015, 11:03 PM
I have been approved quel you think i can get ah account?
AB Holdings SE
09-21-2015, 04:06 PM
Ab Holdings, again you say too much without any experience. You say , " a panama company can not provide financial services"

Panama FSP can provide all that and all is stated in our Aviso. All this has been accepted by EU bank and we are still active and our clients do not have any problems. So i still do not understand why you keep writing like you know everything about this matter.

Only problem we have at the moment is that the demand is too high and we do not have more accounts form the bank ; )

it will be solved soon.

Wrong again. Your local Panama business license is not valid for any banking like services such as accounts, debit cards or transfers so there is nothing left to offer that this so-called license which cost around $250 according to a Panama lawyer.

It would be the same as going to your local government or tax office and getting a business license for some service and saying it is valid around the world, lol. Panama business licenses cannot be "ported" to the EU.


License Restrictions

Bear in mind, these special licenses (Aviso de Operacion) DO NOT allow the Panama Corporation to engage activities such as:

Securities broker-dealer activities including investment funds, managed trading etc.
Savings and Loan (financiera)
Fiduciary (trust company) services
Any banking services including debit cards which in Panama only a bank can provide
Cash money transmittal services or cambios (e.g. bureau de change)

These services are regulated differently by the Panamanian government and all require a more stringent type of license, with minimum paid-in capitalization and public audit requirements. Also required in Panama are local directors and a local office with staff, although some of these licences (with the exception of banking) are available in other jurisdictions without a physical presence.
hublot
09-21-2015, 05:03 PM
Has anyone been able to get an account and some feedback on their experience so far? Haven't seen much activity from people who are actually using the service since its been active.
SpicePAYnetwork
09-24-2015, 11:52 AM
On 31 August i sent all documents to caixarico, on 2 September i receive this email: "Delighted to tell you that your account has been approved but regret to tell you that we do not have any open accounts at the moment. One will be assigned to you when they are made available. We do not have exact ETA but the bank has promised us to sort it out ASAP", until now i have not received anything! If i will receive something i will make a review here! I sent all my company documents and my passport! In my opinion caixarico offer is to good to pe true! I just hope they not use my papers to do other stuff! :)
PS: Sorry "the_crippler's" dont be mad on me! :P
Pt2014
09-25-2015, 01:34 AM
I got same answer hope the same , it sounds strange the bank finish the account number , how long does it takes to assign more ? I think the bank got scared
cyg11s
10-09-2015, 12:01 AM
...
Now that we have this thread , lets make use of it. Let me put my money where my mouth is by offering 20 accounts for free.

I need members with following requirements:

* Minimum 2 years on the forum
* Minimum 100 posts
* Active in the offshore section

Send PM to me. What i want is honest review in this thread. I reserve the right to choose members

Did any forum members follow up on this offer?
I see no reviews.
There seems to be some uncertainty here.

Also how does using this service protect you when the bank you are transferring from will report any transaction larger
than $/€10000 to the authorities anyhow?
hublot
10-16-2015, 03:04 PM
I'm assuming this solution is dead? Or never was to begin with?

Nobody has come back to report how its going, nobody is updating about accounts.... seems a little fishy....
Pt2014
10-16-2015, 09:10 PM
I just think the bank realize that what they was doing was a bit risky, and allowing a panama company to run a payment service provider. Service without holding a license would be very much risky
SpicePAYnetwork
01-31-2016, 12:15 AM
for shure is a scam! i sent all my documents, nothing receive, and maybe possible they make something with ours documents! beautiful!
Pt2014
01-31-2016, 10:21 AM
Is it working or not?
AB Holdings SE
02-01-2016, 06:41 PM
Is it working or not?

Check out his posting history, he has not been on the site since this post or about 4-5 months, so he is MIA. Someone said he was doing some illegal things in another thread, maybe he was picked up. Very strange for someone who has been on the site for over 11 years to up and disappear.
ElaineBlytheeei
02-01-2016, 07:23 PM
Check out his posting history, he has not been on the site since this post or about 4-5 months, so he is MIA. Someone said he was doing some illegal things in another thread, maybe he was picked up. Very strange for someone who has been on the site for over 11 years to up and disappear.

Interesting, now that you say..

His last post was about the same day the news went out with the arrests (where arrests was made between 16-18th depending on the country) after the seize of the hacking forum Darkode. Apparently it was alot of people charged for money laundering cases and hacking. In that case we might not see him for another while
RMunteanu
02-02-2016, 07:04 PM
Interesting, now that you say..

His last post was about the same day the news went out with the arrests (where arrests was made between 16-18th depending on the country) after the seize of the hacking forum Darkode. Apparently it was alot of people charged for money laundering cases and hacking. In that case we might not see him for another while

Quite a coincidence as he said he was laundering money for clients in Sweden & Denmark. I don't see his name on the list of people arrested but it does list a number of "unindicted co-conspirators" which is someone usually cooperating with the US government in exchange for a reduced sentence. Or he could have just gone underground. but it also says "But that is just the beginning. Arrests are ongoing."

http://www.wired.com/2015/07/dozens-nabbed-takedown-cybercrime-forum-darkode/
Tom126
07-29-2016, 03:38 AM
Quite a coincidence as he said he was laundering money for clients in Sweden & Denmark. I don't see his name on the list of people arrested but it does list a number of "unindicted co-conspirators" which is someone usually cooperating with the US government in exchange for a reduced sentence. Or he could have just gone underground. but it also says "But that is just the beginning. Arrests are ongoing."

http://www.wired.com/2015/07/dozens-nabbed-takedown-cybercrime-forum-darkode/

Could someone recommend a good offshore bank for me plz?
Internationaloffshore
07-29-2016, 04:16 PM
Could someone recommend a good offshore bank for me plz?

Personal of Corporate? If corporate, Nature of business?
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