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Financial Utopia 💎twitter.com/fintopiotiktok.com/@fintopio@FintopioNews 📰@fintopio 🤖fintopio.com 🌐
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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.
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.
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.
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
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
So can we just learn the pattern and trade it with shorts or longs?
But what can we learn from them?
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 ledger.
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.
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.
What are you HODLing? Share your favs in the comments!
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.
• 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!
Time to unpack what’s fueling their hype!
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 hours.
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.
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.
• 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…
MoonPay is now the official RAMP provider for Fintopio!
MoonPay allows you to buy and sell crypto using your bank card – fast, easy, and secure. And now it’s fully integrated with @Fintopio.
• 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.
How does it work?
(Discord, Facebook, and more coming soon!)
Setup is super easy:
No extra steps. Just enter the recipient’s username (or .ton domain) instead of a wallet address — and hit “Send”.
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.
Send by username, stress less, and make your crypto life easier with @Fintopio.
New Tools, New Look, Same Speed!
– 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.
– 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)
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.
“Wen TGE?” and other hot questions about HP Program
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 better.
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.
When our product is truly ready to hit open market waters. We are building for Web3 revolution, not for TGE.
We’re not forcing anyone to use the wallet. Everything’s out in the open — you make your own call.
Cashback, DAO, AI wallet assistant, lower transaction fees, premium features — all available only to HP holders.
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 awesome!
Here’s where it gets real. You want perks, features and bonuses for your HP? Just use the wallet. That simple.
Work’s in progress — and as soon as it’s ready, you’ll hear about it right here on this channel.
Welcome Fintopio 2.0 — your first and only CeDeFi wallet to cover everyday needs.
- 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 options).
- 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.
Video is too big
Remember $HOLD and HPs that brought you games, farming, and maybe a few rage quits? Well, buckle up — it’s evolution time.
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.”
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 counts.
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.
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).
- Keep using Fintopio → earn HP as CashBack soon
- HP = fuel for our economy
- HOLD grows with real utility and so do your gains
🥇 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)4️⃣ 4th Place - @EngineerAdam123 (Cap)5️⃣ 5th Place - @Lejonen (Ring)
Crypto just got «X-tra» simple with @fintopio
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.
