What is CoinPlex?

CoinPlex is an investment platform that operated in Poland under the guise of a modern fintech based on cryptocurrencies and artificial intelligence. The project promised quick and guaranteed profits — users were supposed to receive nearly 2% daily returns via an app where you only had to click the right button. CoinPlex also ran multi-level marketing (MLM) campaigns, encouraging investors to recruit additional participants.

Is CoinPlex licensed?

Based on available information, CoinPlex did not hold any licenses issued by Polish or European regulatory bodies. The project was not registered in Poland, even though it had an office in Mielec to boost its credibility. Organizers suggested the company operated in the United States and was subject to U.S. regulators, but the trail led to China.

Is CoinPlex a scam or a legitimate operation?

According to law-enforcement findings, CoinPlex should be regarded as a pyramid scheme. In reality, deposits from new participants were used to pay earlier investors. In September 2025, officers of the Central Bureau for Combating Cybercrime (CBZC) detained nine individuals suspected of organizing the scheme. Investor losses were estimated at at least PLN 20 million.

Top complaints/allegations against CoinPlex

The most commonly reported issues included:

inability to withdraw funds from the platform,

introduction of a new app requiring additional fees and submission of identity documents,

loss of personal data and risks associated with malicious software,

recruiting more investors into an MLM system.

Can you recover your money, and how?

Individuals harmed by CoinPlex should promptly file a report at the nearest police station. Reports are also accepted by the Regional Prosecutor’s Office in Rzeszów, which is overseeing the investigation.

If you paid by credit or debit card, you may be able to initiate a chargeback with your bank:

contact your card issuer and file a dispute,

submit a claim with documentation confirming the transaction,

monitor the status of the case with your bank.

If payments were made via bank transfers or cryptocurrencies, recovering funds is much more difficult and depends on the actions of law enforcement and any subsequent court decisions.

Summary

Nature of activity: CoinPlex is a pyramid scheme operating under the cover of cryptocurrency investments.

Licenses: no licenses or registration in Poland.

Complaints: blocked withdrawals, loss of personal data, unlawful requests for additional payments.

Legal status: the project was dismantled by the CBZC; nine people were detained; losses estimated at a minimum of PLN 20 million.

Recommendation: affected individuals should report the case to law enforcement and contact financial institutions to attempt fund recovery.