MOSCOW, May 4. It is possible to recognize a financial pyramid, which for the time being is hidden under the guise of a bona fide investment company, but it is unlikely that it will be possible to take the money without trial, she told the Prime agency. Associate Professor of the Department of Innovative and Digital Technologies at Synergy University Daria Kopylova.
She recalled one of the most important principles of finance, which is not addressed not only in financial literacy programs, but also in university economics courses. “This is the principle of double entry. Any investment is the requirements of the investor and someone else's obligations. The only question is whose?” she argues.
In the case of bona fide companies, the obligations are assumed by depositories. As a rule, this is a structure strictly regulated by the state, with a license from the regulator, and is under constant control. If it is a bank deposit, then the bank is the depository. But in the case of a pyramid or investment in cryptocurrencies, the depositories are people or companies with unknown beneficiaries hiding behind attractive signs.
Unfortunately, getting into a financial pyramid is easy — scammers are trying to attract lovers of easy money fantastically high rates and huge income. But withdrawing invested funds is not so easy — it is better to immediately go to court and initiate an audit, advises Kopylova.