crypto payments
Cryptomus : cryptomus.com est-il une arnaque ?
Verdict Scametric
Risque élevé
cryptomus.com is Xeltox / Cryptomus. FINTRAC confirmed a record CAD $176.96 million penalty in October 2025 for 2,593 AML breaches. Merchants report frozen balances. We would not use it.
- Retraits Beaucoup de clients disent qu’ils ne peuvent pas retirer, que le compte a été bloqué et que le dépôt n’est jamais revenu.
- Site indiqué
- https://cryptomus.com/
- Rendements promis
- Merchant crypto gateway and hosted wallet (Xeltox Enterprises Ltd / Cryptomus, formerly Certa Payments). Real company — and Canada’s largest FINTRAC administrative penalty.
- Dépôt minimum
- Merchant settlement or personal wallet deposit in crypto.
- Régulation alléguée
- FINTRAC AMP CAD $176,960,190 confirmed 16 October 2025 against Xeltox Enterprises Ltd (2,593 violations). Appealed to the Federal Court. Not a clean MSB.
- Tactiques de pression
- AML freezes without prior warning (Trustpilot replies); use-us-or-lose-settlement urgency for merchants
Retraits bloqués et comptes gelés
Sur ce type de plateforme, beaucoup de clients disent qu’ils ne peuvent plus retirer une fois le montant réel. Plaintes typiques :
- la demande de retrait reste en attente, est annulée ou n’est jamais payée
- le login ou le compte est bloqué après une demande de retrait
- le support exige un autre dépôt, une « vérification », de la liquidité ou une taxe avant de payer
- le dépôt d’origine est perdu
N’envoyez pas plus d’argent pour libérer des fonds. Gardez les preuves et signalez le site. Un premier petit paiement est de la publicité pour le dépôt suivant.
Réponse courte : treat cryptomus.com as risque élevé. cryptomus.com is Xeltox / Cryptomus. FINTRAC confirmed a record CAD $176.96 million penalty in October 2025 for 2,593 AML breaches. Merchants report frozen balances. We would not use it.
This review is only about cryptomus.com. It answers is cryptomus.com a scam, is Cryptomus legit, and Cryptomus review 2026.
Ce que nous avons vérifié
Identité
Cette review concerne cryptomus.com / Xeltox Enterprises Ltd. FINTRAC’s 22 October 2025 notice and the news release are the primary sources. Reuters and the Globe and Mail reported the same penalty. The company has appealed. An appeal is not a clearance.
FINTRAC: Xeltox Enterprises Ltd operates as Cryptomus, previously Certa Payments Ltd. Sole director named as Sabina Salim Kizi Berdieva (Bukhara, Uzbekistan). Vancouver mailbox (Suite 170, 422 Richards Street); no Canada staff in the March 2025 exam; staff spoke from Uzbekistan and Spain.
Autorisation d’opérer
FINTRAC found the MSB registration stale (wrong activities, dead phone/email, operating name Cryptomus not updated). A registration that the watchdog says was incomplete is not a green light.
L’offre
FINTRAC confirmed 2,593 contraventions, including 1,068 missed suspicious-transaction reports (July 2024) on flows tied to darknet markets, fraud proceeds, ransomware, and suspected sanctions evasion; 1,518 unreported large virtual-currency receipts of CAD $10,000+; 7,557 Iran-directive failures (July–December 2024); and missing policies, risk assessment, and registration updates. Trustpilot threads show users and merchants describing frozen wallets after AML flags, with support saying there is no prior warning. TRM Labs summarises the same FINTRAC action.
Promised economics as marketed: Merchant crypto gateway and hosted wallet (Xeltox Enterprises Ltd / Cryptomus, formerly Certa Payments). Real company — and Canada’s largest FINTRAC administrative penalty.
Withdrawals and customer reports
Merchants and wallet users report balances frozen after AML checks, often with no warning. FINTRAC’s file is about missed crime reports, not a daily-percent HYIP. Do not pay a third-party ‘recovery’ shop to unlock Cryptomus funds.
FINTRAC AMP; FINTRAC NR; Reuters.
Signaux d’alerte
- FINTRAC record AMP CAD $176,960,190 (Oct 2025)
- 2,593 confirmed violations, including missed STRs
- Mailbox BC address, no Canada employees in the exam
- Public complaints of frozen Cryptomus balances
En clair
If you have not paid, don’t. If you already sent money to cryptomus.com, stop, keep the records, and report. Ne payez pas de frais pour débloquer a cash-out or a ‘recovery’. Scametric does not recover funds.
Frequently asked questions
Can I withdraw my money?
Many customers report that they cannot. Withdrawal requests stall or are refused, accounts get blocked or frozen after a cash-out request, and the deposit does not come back. Support often asks for another payment, a “tax”, or a fee to “unlock” the balance. That is how the rest of the money is taken. A small first payout is advertising, not proof you can cash out later. Do not send more funds.