Loanch Opiniões 10

Resposta da Loanch

9/04/2026

Hi Christos,

We understand your concern regarding the withdrawal limitations and the lack of clear timelines. We would like to clarify that this situation is not the result of internal decisions or platform performance.

The disruption is directly linked to the regulatory action taken on January 21, 2026, when the Polish Financial Supervision Authority (KNF) revoked the license of Quicko sp. z o.o., one of our external payment service providers. As a result, Quicko was required to immediately cease payment operations, which affected withdrawals across our platform.

Since then, we have been actively working on integrating new payment providers. This process involves not only technical setup but also enhanced AML and compliance requirements, including additional verification and regulatory alignment, which has impacted timelines.

At present, the integration process is ongoing, and we are working with multiple providers to ensure a more stable and reliable infrastructure moving forward.

We would like to clearly emphasize that all investor funds remain safe and secure. Funds are held in segregated accounts, fully separate from company funds, and are not accessible for operational use.

Regarding communication, we acknowledge that response times have not always met expectations due to the high volume of inquiries. However, we are providing regular weekly updates to keep investors informed of progress and next steps.

We also want to clarify that any ongoing investment opportunities are optional and do not impact the status of existing funds.

We understand that the lack of exact timelines is frustrating. More precise information can be shared once the new payment infrastructure is fully connected and operational.

Thank you for your patience and understanding.

Resposta da Loanch

9/04/2026

Hi Phil,

Thank you for your feedback.

We understand your frustration regarding the payout delays and the lack of immediate communication at the early stage of this situation. However, we would like to clarify that this is not a result of internal decisions or platform performance.

The disruption to payouts is directly linked to the decision made on January 21, 2026, when the Polish Financial Supervision Authority (KNF) revoked the license of Quicko sp. z o.o., one of our external payment service providers. As a result, Quicko was required to cease all payment operations, which immediately impacted transaction processing, including withdrawals.

Since then, we have been actively working on integrating new payment providers. This process is more complex than a standard switch, as it involves enhanced AML and compliance requirements, additional verification procedures, and full regulatory alignment. At the same time, we have completed a comprehensive compliance review, finalized the new company structure, and addressed legal and operational changes required to continue operations.

Currently, the integration process is ongoing, with multiple payment service providers involved at different stages. This multi-provider approach is designed to ensure greater stability and continuity going forward, reducing dependency on a single provider.

We would like to strongly emphasize that no funds are lost or missing. All investor funds are held in segregated accounts, fully separate from company funds, and remain secure and protected at all times. Once the new payment infrastructure is fully operational, transfers will resume accordingly.

Regarding communication, we acknowledge that the initial stage could have been handled better. Since then, we have implemented regular weekly updates to ensure transparency and keep investors informed of progress. We are also working to improve response times to support requests during this period of increased volume.

Concerns about fraud are taken very seriously. We want to clearly state that this situation is the result of external regulatory action affecting a third-party provider, and not related to any misuse of funds or internal misconduct.

We fully understand that this situation is not acceptable in the long term, and our team is focused on restoring full functionality as quickly as possible while ensuring compliance and security.

Thank you for your patience and understanding.

Resposta da Loanch

9/04/2026

Hi Jade-Adjo,

We understand your frustration regarding the current situation, especially the temporary limitations on withdrawals and investments. However, we would like to clarify that this situation is not caused by our platform’s performance or operational decisions.

On January 21, 2026, the Polish Financial Supervision Authority (KNF) revoked the license of Quicko sp. z o.o., one of our external payment service providers. As a result, Quicko was required to cease all payment operations and client servicing, which directly impacted transaction processing across our platform.

Following this decision, we had to immediately initiate the transition to new payment providers. This process involves not only technical integration, but also meeting new AML and compliance requirements, which include enhanced verification procedures and regulatory alignment. In parallel, we have completed a full compliance review, finalized the new company structure, and resolved legal and operational matters necessary for continuing operations under the updated framework.

At present, the integration process is ongoing, and we are working with multiple payment service providers at different stages of onboarding. This approach is intentional, as it allows us to build a more resilient and flexible infrastructure, reducing dependency on a single provider in the future.

We would also like to clearly emphasize that all investor funds remain safe and secure. Funds are held in segregated accounts, fully separated from company funds, and are not accessible for operational use. Throughout this entire process, funds remain protected and untouched.

Regarding communication, we are providing regular weekly updates to keep investors informed about progress and next steps. We understand that the current situation may raise concerns, and we sincerely acknowledge the inconvenience caused.

We also take feedback regarding response times seriously. Due to the high volume of inquiries, some responses may have been delayed, but this is not reflective of our standards, and we are actively working to improve this.

We appreciate your patience and assure you that our team is fully focused on restoring full platform functionality as soon as possible while maintaining the highest standards of security and compliance.

Thank you for your understanding.

Resposta da Loanch

Actualizada a 13/02/2026

Hi Pedro,

First things first, please note that all funds previously marked as processed withdrawals have been safely returned to your Loanch account balance. No funds have been transferred out, and your money remains fully reflected and secure within your account.

We understand how upsetting the current situation is. The issue started on January 21, 2026, when our payment provider, Quicko, suspended processing of deposits and withdrawals following regulatory requirements. The full scale of the disruption was not clear at once, as some transactions were still going through at first, which is why the situation appeared inconsistent.

We did not disappear with anyone’s funds. Loanch is currently integrating a new payment provider, and full withdrawal functionality is expected to be restored soon. Yesterday, we sent a detailed update to all users and also published a news post on our website explaining the situation.

Due to the unusually high number of inquiries, email responses may take longer than usual, but messages are being processed as quickly as possible. We will continue to publish updates until normal operations are fully restored.

Thank you for your review and we hope you can update it as soon as we onboard a new payment provider.

Resposta da Loanch

13/02/2026

Hi Le,
Thank you for taking the time to share your experience. It sounds like there may have been a mix‑up regarding the loan originators. Loanch partners with licensed loan originators based in South and Southeast Asia, such as Tambadana in Malaysia and Ammana in Indonesia - we do not list originators in Mexico. This is explained on our site and in the frequently asked questions section.