مراجعة BlockFi 2021 - هل هي آمنة؟

They promised a guaranteed return on my investment but after investing my life savings, I got nothing in return. They seemed legitimate at first, but it was all a scam. I urge people to stay away from fake platforms and not risk their hard-earned money like I did. Report scam to  cybertecx net for payout solution 

Hello,
BlockFi.com locked my account with $25,000 inside, around 80 days ago, and they are not willing to process a refund. They are asking for a court order just for them to process a refund.

After seeing a bunch of info about the products BlockFi offers that seemed attractive at first glance, I decided to open an account. Within minutes the account was ready to take the money out from my bank. No photo identification required, by the way.
I started depositing money, and seemed easy compared to other services of this kind.

After a while, I thought it would be a good idea to secure some funds by processing two Crypto withdrawal requests.
I've been waiting for two days (the minimum waiting time offered for a Crypto withdrawal), but instead of processing my requests they asked me for verification via ID/Passport, photos/video using my phone..(a regular request of any CEX), but what's strange, it's that they will ask for Verification after they allow you to deposit large amounts of money, and not before, as any other service does. I wonder what would happen with your money in a strange scenario where (for some reason) you can't successfully pass the Verification.

But... that was Ok. I successfully processed the verification within minutes.
Then, surprise..... Because I had two pending withdrawal requests for two different Crypto coins, even if one of them was for a very small amount being executed just for me to understand their withdrawal process, BlockFi asked me to get Verified once again. Not a different Verification process. Just the same one I had successfully executed minutes ago.

No problem! I did it again "You're all set !".
Within minutes, I got an email notifying that my BlockFi account was locked. No explanation other than asking to read their TOS, and the following notice..... "Should you be unable to retrieve funds through your bank, you must wait 60 days from receipt of this email before requesting a manual wire withdrawal to the source bank account. Please note that we may require identity verification to process the withdrawal. Note: Any requests made to BlockFi about your account funds will be ignored until we can process a return of funds which will only be eligible after 60 days. Do not reach out to BlockFi until after this date. "

The 60 days have passed and even though I used every possible method to contact BlockFi, it doesn't seem like anyone's going to reply. (Several support tickets or by sending any kind of message using any possible form on their Help/Support pages, trying to call them using the phone number listed over their Help page, sending message via some of the previous support tickets that were used around two months ago to communicate with them..and more..

Let's not forget that a considerable amount of money is still with BlockFi, and my account is still blocked.

If that can't be called an extremely frustrating situation, I'm curious to hear another :) .

--------- UPDATE
Finally I've been contacted, being informed that they will return my money...soon.

This is definitely good news, but ... I still find myself in a "strange" situation.

Let me explain: When BlockFi locked my account they said: "At this time, we are not able to return any funds to you directly. We’d recommend that you contact your bank and request that any ACH transfers you made to your BlockFi account be canceled and reversed. Should you be unable to retrieve funds through your bank, you must wait 60 days from receipt of this email before requesting a manual wire withdrawal to the source bank account. "

I thought it would be faster to follow BlockFi's advice by asking the bank to proceed as per their instructions,but a nightmare was about to start.
Shortly after asking the bank to return transfers made by me (no scam or hack involved), they decided that something is not right, ending by closing my bank accounts. PERMANENTLY.
So BlockFi will not be able to send a Wire Transfer as it will be automatically returned.
But when they blocked my account, part of the money was in Crypto balances. I wonder what are the terms used to close my positions. Crypto coins rates have changed in the past 70 days. Maybe they will process my original withdrawal requests via crypto? Or will they accept my request to send my money to another bank account in my name? Also I wonder how they could have sent a Wire Transfer to an account that does not accept wires (if they were sent to BlockFi from a NeoBank). Not the case here, but just wonder...

--- UPDATE

BlockFi's final word is: "Any funds on the account will remain locked until BlockFi receives a court order to refund the funds"
$25,000 of my money are locked and they also refuse a refund to the source bank account

Blockfi is a great way to keep up with inflation(maybe) as opposed to the old banking system that has many hoops to jump through to get even 2% interest on your money. Most of the time, big banks like BofA give you a few cents per quarter. One problem for first time users may be getting the crypto coins and sending them to Blockfi. Otherwise, they do offer a stablecoin for direct purchase using ACH from your bank. However, once you have a balance you can choose how it is paid out, either in the crypto you deposited or choose all of it to go to one of their supported cryptos. For example, I have ETH, BTC and USDC and chose to have my monthly interest paid in BTC.
A couple reasons I don't give it 5 stars are 1) It is not FDIC insured but that may not mean much if you look up how much banks actually support it or possible negative interest rates in the future and 2) You do not own the keys to your deposited crypto so much like a traditional bank(again if you research how they really work) once you deposit currency, you are not the true owner of it.

Currently, at the time of this review, Blockfi offers anywhere from 3% to 9.3% interest depending on why type of crypto you deposit and how much. Find a bank that offers this but it remains to be seen how long they can offer such returns and there is a future possibility that Blockfi wants to get authorized as a proper bank, which to me means more regulations, i.e. more costs to run the business meaning less payout to its customers.

Overall, I am enjoying my returns but still a little hesitant to completely leave traditional banks behind as Blockfi was only formed back in 2017.

In a BlockFi user. Not the best interest rates, Celsius pays better, no fees. To get your coins or of BlockFi is a torture.