Finance Phantom is a high-risk, unauthorized investment platform flagged by financial regulators across the UK, Australia, Spain, and New Zealand. Multiple agencies confirm the entity lacks proper licensing and operates fake online investment schemes using deepfake videos. Consumers are strongly advised to avoid this platform entirely due to documented fund loss risks and absence of regulatory protection.
Finance Phantom is an unauthorized financial services provider operating without legitimate regulatory approval across multiple jurisdictions. The platform targets consumers globally through deceptive marketing practices, including social media advertisements featuring fake political endorsements and deepfake videos.
United Kingdom (FCA): Finance Phantom is not authorised by the Financial Conduct Authority to provide any financial services. The firm operates without FCA permission, leaving consumers without Financial Ombudsman Service or FSCS protection.
Australia (ASIC): The Australian Securities and Investments Commission has officially listed Finance Phantom on its Investor Alert List. The entity lacks a current Australian financial services licence and is explicitly prohibited from offering investments in Australia under any circumstances.
Spain (CNMV): The National Securities Market Commission added Finance Phantom to its official warned companies database on 21 October 2024. The entity operates as an unauthorised financial services provider without proper regulatory license or approval. Documentation also identifies the platform as 'Finance Phantom Bot.'
New Zealand (FMA): The Financial Markets Authority confirms Finance Phantom operates fake online investment schemes using deepfake technology. The platform is completely unregistered and holds no legitimate regulatory status.
Deepfake Investment Scams: Evidence indicates Finance Phantom uses manipulated video technology to create fake endorsements, targeting unsuspecting investors with fraudulent investment offers.
Fund Withdrawal Issues: Documented cases show victims are unable to withdraw funds from their accounts, resulting in significant financial losses.
Absence of Consumer Protection: Operating without authorization means users have no recourse through official financial ombudsman services or deposit protection schemes.
Global Targeting: The platform operates across multiple countries with variants registered under different names, including 'Finance Phantom Bot,' suggesting deliberate obfuscation tactics.
Finance Phantom is a confirmed unauthorized investment platform operating across multiple jurisdictions in violation of financial services regulations. With warnings from four major financial regulators, documented deepfake investment schemes, and reports of trapped consumer funds, this entity poses an extreme risk to investors. The complete absence of legitimate regulatory authorization combined with evidence of deliberate deceptive practices classifies this as a high-risk scam. Consumers should avoid all contact with Finance Phantom and any associated variants.
ASIC's MoneySmart website confirms Finance Phantom (financephantomplatform.com and labtoday365.com) appears on the official Investor Alert List. The page explicitly warns that listed entities do not hold current AFS licences and are not authorized to offer investments in Australia. This is an official regulatory warning against the entity.
The FCA has issued an official warning against Finance Phantom AI (https://financephantomai.com/) on 14 January 2025, designating it as an unauthorised firm. The firm is not authorised by the FCA and may be targeting UK consumers. The regulator explicitly advises the public to avoid dealing with this entity and warns that consumers will have no access to FCA protections or compensation schemes.
The FMA's official warnings and alerts page lists 'Finance Phantom AI™' as a scam entity associated with fake political endorsement schemes. The entity appears in the curated table of fraudulent investment platforms targeting New Zealanders. Two variants are flagged: 'Finance Phantom AI™' (financephantomai.com, added 4 November 2024) and 'Finance Phantom' (finance-phantom.nz, added 9 October 2024). Both are part of a coordinated deepfake and fake news investment scam warning.
The CNMV (Spain's official securities regulator) has issued a public warning against Finance Phantom as of October 21, 2024. The entity appears in the regulator's official Engine for Warned Companies, which is a searchable database of unauthorized and warned entities. Finance Phantom is classified as an unauthorised entity operating without regulatory approval in Spain.