Senior lawyer
Lawyer in the practice of bankruptcy of individuals and individual entrepreneurs. Specializes in write-off of bank and MFI loans through the bankruptcy procedure.
Legal assistance with Creepsee microloans
Table of Contents:
In the world of digital assets in 2026, the line between innovative solutions and risky lending schemes is becoming increasingly blurred. One of the most discussed projects recently has been the Crypsee service. Despite marketing slogans about “fast crypto liquidity,” the platform’s activities have attracted close attention from regulators and sparked heated discussions among users. Legal assistance with Creepseе microloans is one of the practice areas of the lawyers at Prikhodko & Partners.
Crypsee: features of creation and operation
Formally, Crypsee positions itself as an international platform for providing loans in crypto assets. However, an in-depth analysis of the platform’s operations conducted by financial regulators, including the National Bank of Ukraine (NBU) in April 2026, revealed a different reality.
Instead of classic crypto lending, where digital assets serve as an investment tool, Crypsee effectively uses a cryptographic shell to issue ordinary consumer loans in hryvnias.
In April 2026, the NBU officially declared Crypsee’s activities illegal within the territory of Ukraine. The main reasons for this decision were:
- Lack of license: the owning company (HI-TECH DYNAMICS GROUP LIMITED) does not have authorization to provide financial services.
- Concealment of operations: loans that appear in agreements as USDT are actually paid out in hryvnias, allowing the company to bypass restrictions on maximum interest rates.
- Violation of consumer rights: the regulator recorded thousands of complaints regarding non-transparent conditions, aggressive debt collection methods, and the disregard of benefits for vulnerable categories of the population.
If you have fallen into debt dependence on this structure, it is almost impossible to break the cycle of interest payments on your own. This is where the professional lawyers of Prikhodko & Partners come to help.
Lawyers’ assistance in dealing with Creepse
The main complexity with Crypsee lies in its operating scheme: according to the documents, you supposedly purchase or rent cryptocurrency (USDT), while in reality you receive hryvnias to your bank card. This is done in order to remove the agreement from the scope of the Law “On Consumer Lending.”
A lawyer from Prikhodko & Partners performs three key tasks in such cases:
- Legal qualification: proving that the transaction is fictitious (Article 235 of the Civil Code of Ukraine).
- Protection from pressure: stopping illegal actions by debt collectors.
- Cancellation of accrued charges: annulment of fines and penalties exceeding legal limits.
Among the main actions of the lawyer:
| No. | Protection stage | Content |
| 1 | Agreement analysis and recording of violations. | The lawyer examines the electronic agreement that you “signed” via SMS code. Such documents often contain clauses that directly contradict moral standards and financial legislation.
Since the NBU has already recognized the activities of Crypsee (HI-TECH DYNAMICS GROUP LIMITED) as illegal, the lawyer uses this fact as the main argument for declaring the agreement null and void. |
| 2 | Interaction with regulators | The lawyer prepares and submits professionally drafted complaints to: The National Bank of Ukraine (regarding violations of financial service regulations). 2. Cyber Police (if fraud or unlawful collection of personal data took place). The Ukrainian Parliament Commissioner for Human Rights (in cases where confidential information was disclosed to your relatives or colleagues). |
| 3 | Anti-collector measures | Crypsee and related entities often use aggressive psychological pressure. The lawyer takes over all communication with the creditor. After an official demand to stop direct contact is submitted, any call from “collectors” becomes grounds for criminal proceedings under Article 182 of the Criminal Code of Ukraine (violation of privacy). |
Thanks to the intervention of Prikhodko & Partners lawyers, the situation usually develops according to one of two scenarios:
- Settlement agreement: the creditor agrees to close the debt based only on the “principal amount” of the loan (the amount you actually received), without astronomical interest.
- Court decision: full recognition of the agreement as invalid due to the company’s lack of a license for banking operations.
Important: deleting the application from your phone or ignoring calls does not solve the problem. Only a legal approach allows you to permanently clear your credit history and stop harassment from creditors.
Do you still have any questions? We look forward to meeting you for a preliminary consultation in a convenient format for you (offline or online)! To calculate the cost of legal services regarding Creepseе microloans, please fill out the form below.
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Does crypsee have a support service?
There is virtually no official customer support service at Crypsee, as the service operates outside the legal framework. The contacts listed on the website or in the app are usually used only for psychological pressure and demands to repay the debt, rather than to resolve users’ technical or legal issues.
Is it possible to win a case against Crypsee?
Yes, of course. The chances of success increase significantly if you engage a lawyer to file an official complaint with the NBU and the cyber police, which often forces the company to close the debt for the amount of the “body” of the loan.
What should I do if Crypsee collectors call my relatives?
It is necessary to immediately file a complaint with law enforcement agencies under Art. 182 of the Criminal Code of Ukraine (violation of privacy) and register a complaint with the National Bank of Ukraine. Since the company’s activities are illegal, any interaction with third parties is a gross violation of the “Law on Debt Collectors”, which may be grounds for initiating criminal proceedings against the persons making the calls.
Do I need to return the “body” of the loan to an illegal service?
From a legal point of view, even if a contract is declared illegal, the principle of bilateral restitution applies – the parties must return what they received.
Can my bank cards be blocked due to a debt with Crypsee?
Direct blocking of cards through a court or enforcement service is unlikely for Crypsee, as the company does not have an official license in Ukraine and avoids open litigation.
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