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Dear Fintopio community,

As shared earlier, Fintopio is stopping operations and is closing both DeFi and CeFi wallets.

What you need to do by 31 October 2025:

• DeFi Wallet Users
Please securely back up your seed phrase and move your assets to a non-Fintopio DeFi wallet of your choice.

How to export your seed phrase: Settings → Wallets → DeFi → [Select wallet] → Export seed phrase.

Important: After this date, Fintopio will not be able to assist in recovering any DeFi wallet or funds.
Details and terms of use.

• CeFi Wallet Users
If you have funds in your Fintopio CeFi account, contact @HelpFintopio to arrange the return of your funds. All user funds remain safe, but this must be completed by 31 October 2025.

Dear Fintopio community,

As shared earlier, Fintopio is stopping operations and is closing both DeFi and CeFi wallets.

What you need to do by 31 October 2025:

• DeFi Wallet Users
Please securely back up your seed phrase and move your assets to a non-Fintopio DeFi wallet of your choice.

How to export your seed phrase: Settings → Wallets → DeFi → [Select wallet] → Export seed phrase.

Important: After this date, Fintopio will not be able to assist in recovering any DeFi wallet or funds.
Details and terms of use.

• CeFi Wallet Users
If you have funds in your Fintopio CeFi account, contact @HelpFintopio to arrange the return of your funds. All user funds remain safe, but this must be completed by 31 October 2025.

Dear Fintopio community,

As shared earlier, Fintopio is stopping operations and is closing both DeFi and CeFi wallets.

What you need to do by 31 October 2025:

• DeFi Wallet Users
Please securely back up your seed phrase and move your assets to a non-Fintopio DeFi wallet of your choice.

How to export your seed phrase: Settings → Wallets → DeFi → [Select wallet] → Export seed phrase.

Important: After this date, Fintopio will not be able to assist in recovering any DeFi wallet or funds.
Details and terms of use.

• CeFi Wallet Users
If you have funds in your Fintopio CeFi account, contact @HelpFintopio to arrange the return of your funds. All user funds remain safe, but this must be completed by 31 October 2025.

A new era has come to an end

This message is difficult for us to write, and we understand it’s just as hard to read.
Fintopio is taking a pause.

Effective immediately, we are closing our DeFi and CeFi wallets to carefully review our operations and determine the best path forward for the project.

Important Actions for All Users

1. DeFi Wallet Users
Please securely store your seed phrases and transfer your assets to another non-Fintopio DeFi wallet of your choice.

To export your DeFi wallet seed phrase, go to Settings > Wallets > DeFi > Select wallet > Export seed phrase.

2. CeFi Wallet Users
If you have funds in your Fintopio CeFi account, please contact us via @HelpFintopio to arrange the return of your funds.
All user funds remain safe, however, you must complete this process by October 31, 2025.

HOLD Points:

We know many of you enjoyed collecting HOLD Points while being active on the Fintopio platform.

Unfortunately, these points will be nullified once the platform closes. We sincerely apologize for any inconvenience this may cause.

From all of us at Fintopio — thank you for your trust, support, and enthusiasm since our launch in April 2024.

– The Fintopio Team

Access to the account has been restored!

Thanks to each and every one of you for support

The Old Men of the Cryptocurrency Sea

In the ocean full of all kinds of creatures, there are massive titans called Whales. Each sway of their fins triggers waves that ripple through the sea and crash onto the shore. But who are these giants that hold such power over the waters?

A Whale is an individual or an entity that holds a large (like, humongous) sum of a specific cryptocurrency. Good for them, right? Right. But for us, regular fellas, it might mean market shifts, sudden dumps, and unexpected pumps

For example, in 2017, Nobuaki Kobayashi (known as the Tokyo Whale) made a few large BTC transactions that caused the market to drop by up to 10%...

So can we just learn the pattern and trade it with shorts or longs?

Nope. Most analysts agree Whale moves are unpredictable, rarely guarantee clear outcomes, and are sometimes suspected of being outright market manipulation.

But what can we learn from the

m?

Well, Whales are masters of anonymity, and we can pick up a few of their tricks:

• Multiple wallets – split funds across many addresses.
• Privacy tools – blur the trail of transactions.
• Cold storage – keep assets offline and unseen.
• Tax havens – register assets in secrecy-friendly regions.

So if you see the sea stirring, don’t rush into the waves. It often means the whales are feeding and stacking up reserves. Better to observe these giants from solid ground and focus on growing our own harvest.

Oracles – heralds of on-chain omens

Oracles once were voices of the gods’ will. Time passed, temples replaced by servers, prayers replaced by code... Nowadays oracles are not people but but technology: they collect, store, and release data through blockchains for our honest use

When trees were tall and blockchain was young, it seemed like the answer to every question… except it could only answer what was already on chain. That’s where oracles step in: they bridge real-world data into code, letting blockchains react to events beyond their own l

edger.

Want your smart contract to execute automatically when the weather shifts, a price moves, or a flight gets delayed? Oracles are the messengers that make it happen.

Still, you can’t magic away all risks. Oracles can be hacked, bribed, or fed false data. And in a volatile market, even the most honest messenger can only tell you what just happened, not what’s about to.

So if you’re going to rely on oracles, stick with the veterans – the ones that have already survived all stress tests. Something tells that we all have one specific chain oracle linked in mind

In the end, every oracle is a reminder that truth is never absolute, it updates byte by byte.

P.S. For the bookworms: tuck into The Oracle by Ari Juels before bed. A chilling thriller for anyone who thinks blockchains deserve more stories, not just code.

HODL – an honest mistake and the simplest investment strategy

Tired of constant FOMO? Sick of watching your trades bleed red? Or maybe you’re just a nervous crypto newbie who can’t tell bulls from bears? In that case, HODLing might be just right for you!

This approach is as old as the market itself: buy, hold, and cash out years later. People do it with real estate, with gold… and yes, with whatever token catches your eye. You can still mix and match it with other moves like trading or staking, or let it stand on its own.

But if you choose this path, remember – it’s probably not going to make you rich the way crypto gurus promise. No miracle expectations. The market is still volatile, and a bear market can shake your nerves more than you’d like.

HODLing isn’t just a tactic — it’s a philosophy. It’s believing in a brighter future, in yourself, and in the tech that started it all. So HODL tight, trust your gut, and keep the faith in blockchain.

What are you HODLing? Share your favs in the comments!

CeFi – the OG of finance with a Web3 chick

Let’s continue our cryptobservation and dig into one of the pillars of modern crypto: a system that works across Web2 and Web3 – Centralized Finance (AKA CeFi).

So, when we talk about CeFi, we mean a trusted intermediary that carefully holds your assets for you – whereas in DeFi, you hold your assets and your private keys, as carefully as you choose. Think of it as an old-school bank vs. your childhood piggy bank. With CeFi, you simply step into a ready-made platform offering financial services, instead of juggling everything on your own.

It has some valuable pros, like chain abstraction, convenient trading and variety of cross-chain services.

But with great CeFi comes great... inconveniences:

• You don’t control direct access to your funds;
• Your assets in the power of the system;
• You'll have, ouch, to reveal your beautiful personality for the KYC process.

If you choose CeFi, you’re agreeing to play by someone else’s rules instead of writing your own. Compromise is often unavoidable in today’s financial landscape…

…unless you switch to a CeDeFi wallet and enjoy the best of both worlds!

More comprehensive posts coming soon, and until then:
If you could snap your fingers and get the best of both worlds, what feature would you pick?

Let us know in the comments!

Brave new stablecoin world

Summer hit its peak, and so did stablecoins – search interest hit all-time high, market cap at $272B, and the GENIUS Act joining the blockbuster lineup.
Time to unpack what’s fueling their hype!

Tethered to real assets like gold and the mighty US dollar, stablecoins help us lock in gains… But that’s just the tip of the iceberg!

They actually solve issues traditional banks have dodged for decades.

• Tiny fees: transactions dropping to mere cents (depending on network).
• Inclusivity: unbanked folks can store and move funds – only a phone needed.
• Lightning transfers: global payments, 24/7 – even after banking h

ours.


With all that said, we salute our dear token-friends. With Conflux testing yuan backed stablecoin, we'll sure hear from them again!
The future isn’t coming – it’s already being built, one stablecoin transaction at a time.

DeFi: Freedom… But With a Catch

Odd headline, right? We thought it was time to shake up your feed and launch a new “Let’s Talk This Through” series. Newcomers might learn something, and the old timers will get nostalgic about how “back in 2020, crypto felt like free candy.” Let’s keep rolling!

When DeFi first burst onto the scene, it promised us bankless freedom, fees cheaper than a cup of latte and access to your coins from any device – phone/laptop/microwave etc.

And you know what? It delivered: on-chain lending, 24/7 liquidity, yields that crush anything your savings account ever offered – check, check, check.

But let’s be honest: nothing worthwhile is ever easy. Along with your new-found freedom came a steep learning curve:

To be able to use DeFi, you have to:
– Triple-check favourite dApp website address;
– Carefully read and understand every transaction confirmation;
– Verify tokens by contract address;
– Stay alert for phishing, frontrunning, and all the other -ings;
– Don’t lose your wallet's seed phrase along with your savings;
– And definitely don’t trade before your morning coffee.

Is that bad? Of course not! DeFi is simply not for everyone. And that means we need a solution that makes it accessible and understandable.

Therefore, based on it and its original ideas, a new stage in Web3 appears – CeDeFi:
• Same open access to dApps;
• Real-time support whenever you need it (no, really);
• And safeguards so one slip-up doesn’t wipe out your entire portfolio.

But that’s a story for another post…

What do you think? Does DeFi’s Wild West vibe excite you, or do you miss the “grass-greener” simplicity of 2020? Drop your feedback on this format – and the future of finance – in the comments!

MoonPay is now the official RAMP provider for Fintopio!

If you’re deep in crypto, you already know what that means. But here’s the quick version for everyone else:

MoonPay allows you to buy and sell crypto using your bank card – fast, easy, and secure. And now it’s fully integrated with @Fintopio.

Why this is a big deal (for us and for you):
• MoonPay is one of the most trusted and reliable fiat onramp services in the world;
• Supports more than 100 countries;
• Instant and transparent transactions;
• Over 30 supported fiat currencies.

This is a huge step forward in making your crypto life smoother and more accessible.

Wanna try? Make sure that your country is supported first – check out MoonPay's list.

Your country is supported? Cool! Now you can test out the new Ramp feature in Buy/Sell DeFi section – available on @Fintopio and Android devices. iOS is coming soon – we’re working through Apple’s approval hurdles.

While we’re cooking up something cool for you, here’s a quick reminder about a feature you can already use – sending crypto by username. No more need in long addresses. No more copy-paste panic.

How does it work?

Send to Telegram usernames, X (Twitter) handles, or .ton domains.
(Discord, Facebook*, and more coming soon!)

Setup is super easy:

For senders:
No extra steps. Just enter the recipient’s username (or .ton domain) instead of a wallet address — and hit “Send”.

For receivers:
Only needed if you want to receive transfers via your Twitter handle. Go to Settings, tap your name, and link your Twitter.
For Telegram or .ton domains – just share it with the sender and wait for the crypto to drop in.

This feature is also live on our Android and iOS mobile apps (isn't it a cool reason to download them?)

Send by username, stress less, and make your crypto life easier with @Fintopio.

Got questions? Drop them in the comments – we’ll sort you out!

New Tools, New Look, Same Speed!

While our team is hard at work building new features for the wallet, we’re also making sure our standalone Android and iOS apps stay up to date.

Here’s what’s new:
– Added an address book.
– You can now send transfers using Telegram and Twitter usernames, as well as .ton domains.
– Added the option to link your Twitter account to your wallet.
– Introduced a feature to burn unwanted NFTs.

And last but not least – a fresh visual redesign rolling out now. Your crypto experience is now not only smooth and functional but also genuinely enjoyable!

What’s next?
– On/Off-ramp (buy and sell crypto with your bank card)
– Swaps
– CeFi (still available for existing users, and coming a bit later for new ones)

All these essential features are currently going through boring but important legal reviews and will be back in the apps very soon. We’ll ping you here gang once its ready!

So, go ahead and update your app to check out the new version! And if you haven’t installed it yet – grab it from the links below and make our day with your reviews.

Download on Android

Download on iOS

“Wen TGE?” and other hot questions about HP Program

Spoiler: there’s no magic “get rich” button here. If that’s what you came for — this text (and this channel, and @Fintopio as a whole) ain’t for you. Still here? Good, let’s roll.

“What’s up with HPs?”

Same as the whole market and our product — it’s going through a rethink. From asteroid-tapping fun to a serious product with actual utility. It’s not going anywhere, and in the near future, it’s only gonna get bet

ter.

“Why did my HP balance loose a couple of zeros?”

Too much farming happened over the past year. There’s just so much HP now, it became a pain to count and track. Less overall supply = higher overall value.

“Okay, you cut the HP, but I’m still waiting for TGE. When?”

When our product is truly ready to hit open market waters. We are building for Web3 revolution, not for TGE.

"Sounds like a scam"

We’re not forcing anyone to use the wallet. Everything’s out in the open — you make your own call.

“Alright, what should we expect then?”

Cashback, DAO, AI wallet assistant, lower transaction fees, premium features — all available only to HP holders.

“AI inside the wallet?”

Nah, this won’t be just another AI. Think of it as J.A.R.V.I.S for Web3 — setting a whole new standard for convenience and utility. Stay tuned, it’s gonna be legit awesom

e!

"How do we farm HP now without games?"

Here’s where it gets real. You want perks, features and bonuses for your HP? Just use the wallet. That simple.

"When’s it all happening?"

Work’s in progress — and as soon as it’s ready, you’ll hear about it right here on this channel.

The market, trends, and @fintopio — everything’s evolving, but our goal remains the same: to create the most groundbreaking and seamless experience in Web3. Join us on this journey.

BIG UPDATE LANDS

Welcome Fintopio 2.0 — your first and only CeDeFi wallet to cover everyday needs.


What’s fresh?

- Sleek AF UI: Swipe, tap, flex - crypto has never been so good on the eyes.
- New web: check out fintopio.com
- Mega-features: X username transfers, On/Off Ramps, Multichain Swaps (your crypto deserves o

ptions).

️ What’s next?

- Make crypto social again: Discord, WhatsApp, and Facebook* transfers incoming.
- AI Crypto Assistant: Let robots handle the boring stuff.
- New web wallet: for those who like desks.
- Fintopio Card: Bridge crypto ↔ fiat. Chaos,

managed.

Check out now. Before FOMO does: @fintopio

� HOLD 2.0: No More Tap-to-Earn, But Way More to Gain

Remember $HOLD and HPs that brought you games, farming, and maybe a few rage quits? Well, buckle up — it’s evolution time.

Why the Change?

We started with Tap-to-Earn (like everyone else). People came, tapped, farmed… but let’s be real: that’s not how you build a real fintech product. So — games are out. No more “click for crypto

.”

HOLD 2.0: Earn What Matters

Now, HOLD isn’t free — it’s earned. How? By simply using Fintopio as a wallet. HP (Hold Points) — your new crypto sidekick. Earn them for real actions, swap them for HOLD later, or use them to slash fees. Like a CASHBACK where every crypto move cou

nts.

HP “Diet Plan”

2,000,000 HP looks cool… but it’s a lot to count. Soon, we’ll rebalance ratios to make each HP more valuable. Your Old HP? Safe & Sound. We’re not resetting anything. You helped us grow — we won’t forget that. But going forward, new HP = real

usage.

� Precious Gems?

They are also fine. All collected shiny rocks you’ll soon be able to exchange in the store (as soon as it will be up).

What’s Next?

- Keep using Fintopio → earn HP as CashBack soon
- HP = fuel for our economy
- HOLD grows with real utility and so do your gains

Value isn’t hype — it’s a product that works. And you’re part of it.

All changes will be implemented gradually in the near future.

Thanks for sticking with us — through the taps, the memes, and the waiting. Now, let’s build something lasting.

PS: that’s more updates to come today. Stay tuned, frens! �

️ SWAP MASTERS: RAID COMPLETE!

The dungeon doors are slamming shut… Time to crown our CHAMPIONS! Your digital drip is on the way:

1st Place & Secret Volume King - @thexx (Pepe + Cap + Ring + rarest Pepe for being awesome)
Flex stats: Flipped 100K+ $USDT during the raffle. Absolute madman.

2nd Place - @Tahir1169 (Pepe + Cap)

3rd Place - @sysmoke (Pepe)

4th Place - @EngineerAdam123 (Cap)

5th Place - @Lejonen (Ring)

All goodies will be magically credited to your Telegram profiles within the next 7 days.

Thank you all for joining the game!

Didn’t win? Stay glued to us. More loot opportunities are yet to come.

PS: Raffle’s over, but the SWAP-train’s still rollin’! Need to flip TON ↔ ETH (or vice versa)? Do it in 3 taps with @fintopio ✈️

[RULES]

Crypto just got «X-tra» simple with @fintopio

Remember sending crypto via Telegram usernames? Now do the same with your X (Twitter) handle – because even Elon’s fanboys deserve utility.

How it works:

1. Open “Settings”.
2. Link your X account (yes, the one you use to meme).
3. Peer-pressure your friends into joining.
4. Profit – no more copying wallet addresses.

Live on Fintopio MiniApp �� Coming soon to Android & iOS

PS @durov, we spotted your new X account. Link it to @Fintopio to make sure the transfer goes through.