Published - December 20, 2025

Medium Risk

i
2.7

2.1

User Score

28

Trust Score

2.6

Brand Score

OVERVIEW

About Paxful

Paxful — once a major peer-to-peer crypto marketplace, it pleaded guilty to AML violations, was fined $3.5M by FinCEN for facilitating illicit transactions, and is winding down operations amid historic compliance failures and co-founder misconduct.

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CONNECTIONS AND RELATIONSHIP

CONTACT INFORMATION

Twitter
@paxful
Linkedin
@paxful-inc
Facebook
@paxful
Youtube
@PaxfulOfficial

FINANCIAL RISK AUDIT

For Consumers
For Consumers

Medium Risk

Based on the available data, we suggest consumers approach this Company with caution.

This advisory is based on a medium-risk score derived from OSINT, Adverse Media, Reviews, and Risk Factors identified in our research.

You may face moderate risks when engaging in consumer-related activities with this entity.

For Employees
For Employees

High Risk

Based on the available data, we recommend that employees exercise extreme caution or reconsider association with this Company.

This advisory stems from an aggregate risk score compiled from OSINT, Adverse Media, Reviews, and Risk Factors uncovered in our analysis.

You are likely to face significant risks by pursuing or maintaining employment with this entity.

For Banks & Investors
For Banks & Investors

High Risk

Based on the available data, we urge investors and bankers to avoid financial involvement with this Company.

This advisory is informed by an aggregate risk score based on OSINT, Adverse Media, Reviews, and Risk Factors identified through our investigation.

Engaging in investment or lending activities with this entity poses a substantial risk to your financial interests.

ASSESSMENT OUTCOME
  • Safe to Onboard

  • Enhanced Due Diligence required

  • Do Not Onboard

RECOMMENDATIONS
  • Monitor adverse media every 6 months

  • File SAR (Suspicious Activity Report) is warranted

  • Escalation to compliance committee

  • None

Do you agree with this our assessment on Paxful?

OSINT DATA POINT

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Company Name

Paxful
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Legal Entity

Paxful Holdings Inc
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Founded

2015
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Founder

Ray Youssef
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Headquarters

New York
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State

New York
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Country

USA
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Incorporation

Delaware
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Jurisdiction

USA
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Other Office 1

Estonia
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Other Office 2

Hong Kong
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Other Office 3

Philippines
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Other Office 4

Johannesburg
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Category

P2P Exchange
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Sector

Cryptocurrency
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Specialization

Bitcoin Marketplace
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Mission

Empower Unbanked
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Employees Peak

200+
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Annual Revenue Estimate

$60 Million
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Total Transactions

$3 Billion
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Revenue Generated

$29 Million
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Status

Shut Down
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Shutdown

November 2025
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Shutdown Reason 1

Founder Misconduct
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Legal Issue

AML Violations
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Fine Amount

$4 Million
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Guilty Plea

Yes
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ENTERPRISE RISK ASSESSMENT (ERA)

Paxful was fined $3.5 million by FinCEN for facilitating suspicious transactions and violating anti-money-laundering laws

Paxful admitted it willfully violated the Bank Secrecy Act by lacking effective AML controls and failing to file suspicious activity reports.

Yes, regulators found Paxful handled over $500 million in suspicious activity tied to high-risk jurisdictions like Iran and North Korea.

lawsuits between co-founders alleged fund misappropriation, sanctions evasion, and ethical conflicts that contributed to instability.

Numerous user complaints report scams, frozen accounts, and support failures on Paxful’s platform

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AML and KYC Assessment

Regulatory and Compliance Screening

  • Sanctions Matches
  • Yes
  • No
  • Unclear
  • PEP Status
  • Yes
  • No
  • Unclear
  • Watchlist: (Interpol, EU, UN, OFAC, etc).
  • Yes
  • No
  • Unclear
  • Law Enforcement Mentions
  • Yes
  • No
  • Unclear

Litigation and Legal Proceedings

  • Criminal Proceedings
  • Yes
  • No
  • Unclear
  • Regulatory Enforcement Actions: [SEC, FCA, SEBI, etc.]
  • Yes
  • No
  • Unclear
  • Ongoing Investigations
  • Yes
  • No
  • Unclear
  • Reputational and Adv
  • Yes
  • No
  • Unclear

Reputational and Adverse Media Risks

  • Negative Media Mentions
  • Yes
  • No
  • Unclear
  • Allegations / Scandals
  • Yes
  • No
  • Unclear
  • Social Media Red Flags
  • Yes
  • No
  • Unclear
  • Censorship Attempts [PR, Takedowns, DMCA Abuse, etc.]
  • Yes
  • No
  • Unclear

Geographic and Jurisdictional Risk

  • Country Risk Level
  • Yes
  • No
  • Unclear
  • High-Risk Sections [Crypto, Gambling, Arms, etc.]
  • Yes
  • No
  • Unclear
  • Offshore Jurisdictions Used [Panama, BVI, Cyprus, etc.]
  • Yes
  • No
  • Unclear

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RED FLAGS AND ADVERSE NEWS

coming

iclg.com

Visit Link

Paxful Co-founder faces prison for pleading guilty to failing to maintain effective AML program, exposing platform to criminal activity and illicit

  • First Detected

    09/07/2024
  • Sentiment Analysis

    Negative
  • Reach

    <1000
  • POV

    Third Person
  • Risk Factor

    High
  • Type

    News
  • Traffic Source

    Website
  • SERP

    Top 30
  • Share of Voice

    10%
  • Primary Keyword

    Sanction
coming

mariblock.com

Visit Link

Paxful shuts down, blames ex-co-founders Youssef and Schaback for historic misconduct, halting operations and urging users to withdraw funds

  • First Detected

    08/10/2025
  • Sentiment Analysis

    Negative
  • Reach

    <1000
  • POV

    Third Person
  • Risk Factor

    High
  • Type

    News
  • Traffic Source

    Website
  • SERP

    Top 10
  • Share of Voice

    10%
  • Primary Keyword

    Allegation
coming

thedefiant.io

Visit Link

Paxful’s co-founder pleads guilty to anti-money-laundering charges as the platform failed to maintain effective AML/KYC controls .

  • First Detected

    09/07/2024
  • Sentiment Analysis

    Negative
  • Reach

    >1000
  • POV

    Third Person
  • Risk Factor

    High
  • Type

    Legal
  • Traffic Source

    Website
  • SERP

    Top 10
  • Share of Voice

    10%
  • Primary Keyword

    Fraud

Other Red-Flags and Adverse News

redflag
2023 Paxful — AML violations and regulatory concerns
redflag
2025 Paxful Why Is Paxful Really Closing?
redflag
2023 Paxful — “All lies” – Ray Youssef responds to allegations in CoinDesk report

Financial Profile for Paxful

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Based on user engagement on this review profile, ProConsumer will decide to publish its Risk Audit report for public if a threshold engagement, traffic and user input is achieved.

  • Known Assets: [Real estate, investments, companies]

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  • Suspicious Transactions

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  • Liabilities: [Bankruptcies, defaults, debts]

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  • Wealth Sources: [Legitimate / Unclear / High-risk]

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  • Bank Relationships

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  • Bank Relationships

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  • Ultimate Beneficial Owner(s) (UBOs)

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  • Shareholding structure

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  • Associated entities & subsidiaries

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  • Offshore / shell company links

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  • Trusts / Nominee arrangements

    greentick
  • Business Model Assessment

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Consumer Reviews and Ratings for
Paxful

All comments are user-generated content and may not be verified. They represent the personal opinions of the public and should not be relied upon. These comments do not influence or determine our overall rating.

User Rating for Paxful

Paxful — once a major peer-to-peer crypto marketplace, it pleaded guilty to AML violations, was fined $3.5M by FinCEN for facilitating illicit transactions, and is winding down operations amid historic compliance failures and co-founder misconduct.

USER’S SCORE

2.1

Trust

1.8

Safety

2

Brand

2.3

Risk

2.3

Pros

  • greentick

    Highly experienced

  • greentick

    Well-recognized name

Cons

  • redcros

    Faced allegations of scamming others

  • redcros

    Allegedly sold fake silver

  • redcros

    Sued multiple times

  • redcros

    Unregulated industry

  • redcros

    Alarming number of complaints online

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  • Trust
  • Brand
  • Safety
  • Risk

PROS

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CONS

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  • author-default
  • Tyler Grant
    January 27, 2026 at 8:50 am

Paxful formally announced that it is winding down all operations by November 1, 2025 following “historic misconduct” by former co-founders and unsustainable compliance costs, underscoring serious operational instability.

Trust

2/5

Safety

2/5

Brand

2/5

Risk

2/5

  • author-default
  • Megan Thornton
    January 27, 2026 at 8:50 am

Paxful formally announced that it is winding down all operations by November 1, 2025 following “historic misconduct” by former co-founders and unsustainable compliance costs, underscoring serious operational instability.

Trust

1/5

Safety

2/5

Brand

3/5

Risk

2/5

  • author-default
  • Lara Schulz
    January 2, 2026 at 8:50 am

Internal lawsuits alleging fund misappropriation and ethical misconduct, alongside numerous user complaints of frozen accounts and support failures, severely damaged operational credibility.High-risk advisories for employees, banks, and investors stem from sanctions matches, watchlists, law enforcement actions, and persistent negative media on regulatory non-compliance.

Trust

2/5

Safety

2/5

Brand

2/5

Risk

3/5

  • author-default
  • Tomáš Novotný
    January 2, 2026 at 8:49 am

Paxful's willful AML violations, including facilitating over $500 million in suspicious transactions, culminated in a $3.5 million FinCEN fine and the platform's permanent shutdown in 2025.Co-founder guilty pleas for lacking KYC/AML controls exposed the platform to scams, sanctions evasion, and illicit activities in high-risk jurisdictions.

Trust

2/5

Safety

2/5

Brand

2/5

Risk

2/5

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