[{"id":"YMYL-W-TRUSTPILOT","title":"Trustpilot — stuck funds / AML freeze complaints","tier":"T3_ugc","doc_type":"review_platform","source_id":"W-TRUSTPILOT","category":"reputation","credibility":"ugc_verified","source_url":"https://www.trustpilot.com/review/quickex.io","published":"2026-03-01","publisher":"Trustpilot","language":"en","ymyl_block":"Y4","harm_category":"aml_freeze","relevance_score":5,"supports_brand":"increases_harm","summary":"Users report AML flag, KYC surprise on privacy pairs, refund minus blockchain fee. Pattern of financial harm (YY19).","content_md":"# Trustpilot — User Harm Complaints\n\n**URL:** https://www.trustpilot.com/review/quickex.io\n\n## Harm themes\n\n- Transaction **flagged AML** / mixer risk score — surprise KYC\n- **Refund delayed** or minus blockchain commission (disputed 5%)\n- Funds **stuck** after confirmations\n\n## Criteria: YY19, YY23, YY25\n","file_name":"reputation-trustpilot-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY19","YY23","YY04"]},{"id":"YMYL-R-ESMA-JOINT-2025","title":"Joint ESAs — Revised Warning on Crypto-assets (Oct 2025)","tier":"T1_official","doc_type":"regulation","source_id":"R-ESMA","category":"regulator","credibility":"official","source_url":"https://www.esma.europa.eu/sites/default/files/2025-10/Joint_ESAs_revised_warning_on_crypto-assets.pdf","published":"2025-10-06","publisher":"ESAs (EBA, EIOPA, ESMA)","language":"en","ymyl_block":"Y4","harm_category":"regulatory_false","relevance_score":5,"supports_brand":"neutral","summary":"Only MiCA-authorised firms on ESMA register. Transitional until Jul 2026 — no full protection. Verify EU claims.","content_md":"# Joint ESAs — Revised Warning on Crypto-assets (Oct 2025)\n\n**URL:** https://www.esma.europa.eu/sites/default/files/2025-10/Joint_ESAs_revised_warning_on_crypto-assets.pdf\n\n## Key quotes\n\n> Only firms **authorised and listed on the ESMA register** are allowed to provide crypto-asset services in the EU under MiCA.\n\n> Transitional period applies until **July 2026** — you will **not benefit from MiCA protections** until provider is authorised.\n\n## Criteria: YY17, YY18 — verify regulatory claims\n","file_name":"esma-joint-warning-2025.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY17","YY18","YY11"]},{"id":"YMYL-F-BCT-FREEZE","title":"Bitcointalk — 9.5 ETH frozen (user harm case)","tier":"T3_forum","doc_type":"forum","source_id":"W-BCT","category":"forum","credibility":"ugc_accusation","source_url":"https://bitcointalk.org/index.php?topic=5577804.0","published":"2025-10-01","publisher":"Bitcointalk","language":"en","ymyl_block":"Y2","harm_category":"aml_freeze","relevance_score":5,"supports_brand":"increases_harm","summary":"9.5 ETH frozen — liquidity provider AML flag. Documented user harm on privacy-route swap.","content_md":"# Bitcointalk — 9.5 ETH Frozen Case\n\n**URL:** https://bitcointalk.org/index.php?topic=5577804.0\n\n## Documented harm\n\n> **9.5 ETH** frozen — liquidity provider AML flag (SwissBorg hack linkage per analytics).\n\n> Release typically requires **court order or law enforcement**.\n\n## Criteria: YY04, YY10, YY23\n","file_name":"forum-bitcointalk-freeze-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY04","YY23","YY10"]},{"id":"YMYL-G-QRG-YMYL","title":"Google QRG §2.3 — YMYL Financial Security","tier":"T1_official","doc_type":"google_guideline","source_id":"G-QRG","category":"google","credibility":"official","source_url":"https://static.googleusercontent.com/media/guidelines.raterhub.com/en//searchqualityevaluatorguidelines.pdf","published":"2025-09-11","publisher":"Google","language":"en","ymyl_block":"Y1","harm_category":"financial_loss","relevance_score":5,"supports_brand":"neutral","summary":"Crypto exchange = YMYL Financial Security. Неточность на money pages → реальный финансовый вред пользователю. Highest PQ bar.","content_md":"# Google QRG §2.3 — YMYL Financial Security\n\n**Source:** G-QRG · Sep 2025\n\n## Key quotes\n\n> Pages that could impact a person's **financial stability or security** are YMYL.\n\n> For YMYL topics, the standards for **Experience, Expertise, Authoritativeness, and Trust** are very high.\n\n## YMYL mapping (Quickex)\n\n| Harm type | QRG reference |\n|-----------|---------------|\n| Misleading fees/rates | Lowest PQ §3.2 |\n| Missing risk disclosure | YMYL + Trust §3.4 |\n| Crypto exchange | Financial Security bucket |\n\n## Criteria: YY01, YY02, YY04\n","file_name":"google-qrg-ymyl-section.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY01","YY02","YY04"]},{"id":"YMYL-QX-AML","title":"Quickex AML Policy — user harm from freeze","tier":"T1_site","doc_type":"legal_page","source_id":"QX-LEGAL","category":"quickex_official","credibility":"primary_source","source_url":"https://quickex.io/docs/aml-policy","published":"2025-01-01","publisher":"Quickex","language":"en","ymyl_block":"Y2","harm_category":"aml_freeze","relevance_score":5,"supports_brand":"mixed","summary":"Freeze high-risk txs; full KYC for refund; mixer flags — mitigates regulatory harm but conflicts with «no KYC» marketing.","content_md":"# Quickex AML Policy — User Harm from Freeze\n\n**URL:** https://quickex.io/docs/aml-policy\n\n## Harm scenarios\n\n> Suspicious transactions require **full KYC verification** for refund.\n\n> Refunds on AML-related blocks are **not possible without KYC**.\n\n> Liquidity provider may **refuse payout** of frozen funds.\n\n## Marketing vs policy gap\n\nUsers expecting «no KYC» on XMR pairs face **surprise verification** = financial harm (YY04).\n\n## Criteria: YY10, YY04, YY23\n","file_name":"quickex-aml-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY10","YY04","YY23"]},{"id":"YMYL-QX-TERMS","title":"Quickex Terms — delays, refunds, liquidity risk","tier":"T1_site","doc_type":"legal_page","source_id":"QX-LEGAL","category":"quickex_official","credibility":"primary_source","source_url":"https://quickex.io/docs/terms-of-use","published":"2025-01-01","publisher":"Quickex","language":"en","ymyl_block":"Y5","harm_category":"support_failure","relevance_score":5,"supports_brand":"mitigates_harm","summary":"AML delays possible; third-party liquidity; no guaranteed speed — must be visible BEFORE transaction (YY23, YY24).","content_md":"# Quickex Terms Harm\n\n**Source ID:** QX-LEGAL\n\nDelays, liquidity provider, no guarantees.\n","file_name":"quickex-terms-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY23","YY05","YY06"]},{"id":"YMYL-R-ESMA-2024","title":"ESMA — Warning on Crypto-assets (Dec 2024)","tier":"T1_official","doc_type":"regulation","source_id":"R-ESMA","category":"regulator","credibility":"official","source_url":"https://www.esma.europa.eu/document/warning-crypto-assets","published":"2024-12-13","publisher":"ESMA","language":"en","ymyl_block":"Y2","harm_category":"financial_loss","relevance_score":5,"supports_brand":"neutral","summary":"Crypto highly speculative — may lose all capital. Non-EU firms = lower safeguards, fraud risk, limited recourse.","content_md":"# ESMA — Warning on Crypto-assets (Dec 2024)\n\n**URL:** https://www.esma.europa.eu/document/warning-crypto-assets\n\n## Key quotes\n\n> Despite new MiCA protections, the **inherent risks of investing in crypto assets remain**.\n\n> Many crypto-assets are **highly speculative and volatile**, with prices subject to sudden and extreme fluctuations.\n\n> Services from **non-EU firms** entail lower safeguards, heightened risks of **fraud and scams**, and **limited recourse**.\n\n## Criteria: YY04, YY06, YY11\n","file_name":"esma-warning-2024.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY04","YY06","YY11"]},{"id":"YMYL-W-BESTCHANGE","title":"BestChange — delist + financial claims harm","tier":"T3_ugc","doc_type":"review_platform","source_id":"W-BESTCHANGE","category":"reputation","credibility":"ugc_monitor","source_url":"https://www.bestchange.com/quickex-exchanger.html","published":"2024-06-23","publisher":"BestChange","language":"ru","ymyl_block":"Y4","harm_category":"financial_loss","relevance_score":5,"supports_brand":"increases_harm","summary":"DELISTED 23.06.2024. 36 financial claims. Users directed to caution — reputation harm → user trust harm.","content_md":"# BestChange — Delist & Financial Claims Harm\n\n**URL:** https://www.bestchange.com/quickex-exchanger.html\n\n## Critical finding\n\n> This exchanger was **delisted from the monitor on June 23, 2024**.\n\n> **36 financial claims** on record.\n\n## User harm\n\nUsers relying on BestChange monitor face **trust harm** — directed to use with caution.\n\n## Criteria: YY19, YY04\n","file_name":"reputation-bestchange-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY19","YY04"]},{"id":"YMYL-R-SEC-CRYPTO5","title":"SEC — 5 Ways Fraudsters Lure Crypto Victims (2024)","tier":"T1_official","doc_type":"regulation","source_id":"R-SEC-CRYPTO","category":"regulator","credibility":"official","source_url":"https://www.sec.gov/oiea/investor-alert-5-ways-fraudsters-may-lure-victims-scams-involving-crypto-asset","published":"2024-05-29","publisher":"U.S. SEC OIEA","language":"en","ymyl_block":"Y2","harm_category":"scam_phishing","relevance_score":5,"supports_brand":"neutral","summary":"Fraudsters exploit crypto popularity — social media, guaranteed returns. Anti-phishing block на сайте = mitigation (YY09).","content_md":"# SEC — 5 Ways Fraudsters Lure Crypto Victims (May 2024)\n\n**URL:** https://www.sec.gov/oiea/investor-alert-5-ways-fraudsters-may-lure-victims-scams-involving-crypto-asset\n\n## Summary\n\nSEC OIEA alert (updated Sep 2024): fraudsters exploit crypto asset popularity to lure retail investors.\n\n## Harm patterns\n\n- Social media tips and hype\n- Guaranteed high returns\n- Fake platforms and impersonation\n\n## Criteria: YY08, YY09, YY19\n","file_name":"sec-crypto-fraud-5ways.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY08","YY09","YY19"]},{"id":"YMYL-G-SPAM-CLAIMS","title":"Google Spam Policies — misleading claims","tier":"T1_official","doc_type":"google_guideline","source_id":"G-SPAM","category":"google","credibility":"official","source_url":"https://developers.google.com/search/docs/essentials/spam-policies","published":"2024-01-01","publisher":"Google","language":"en","ymyl_block":"Y2","harm_category":"misleading_claim","relevance_score":5,"supports_brand":"neutral","summary":"Guaranteed returns, risk-free profit, deceptive fees — прямой harm risk для crypto marketing.","content_md":"# Google Spam Misleading\n\n**Source ID:** G-SPAM\n\nMisleading claims harm users on YMYL pages.\n","file_name":"google-spam-misleading.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY08","YY12","YY15"]},{"id":"YMYL-R-FTC-SCAMS","title":"FTC — What to Know About Cryptocurrency and Scams","tier":"T1_official","doc_type":"regulation","source_id":"R-FTC","category":"regulator","credibility":"official","source_url":"https://consumer.ftc.gov/articles/what-know-about-cryptocurrency-and-scams","published":"2024-01-01","publisher":"U.S. FTC","language":"en","ymyl_block":"Y2","harm_category":"scam_phishing","relevance_score":5,"supports_brand":"neutral","summary":"Consumer harm patterns: impersonation, fake sites, investment scams. Verify official URL messaging.","content_md":"# Ftc Crypto Scams\n\n**Source ID:** R-FTC\n\nImpersonation and fake exchange sites.\n","file_name":"ftc-crypto-scams.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY09","YY19"]},{"id":"YMYL-R-FATF-FREEZE","title":"FATF — AML/CFT for Virtual Assets (freeze risk)","tier":"T1_official","doc_type":"regulation","source_id":"R-FATF","category":"regulator","credibility":"official","source_url":"https://www.fatf-gafi.org/en/topics/virtual-assets.html","published":"2023-06-01","publisher":"FATF","language":"en","ymyl_block":"Y2","harm_category":"aml_freeze","relevance_score":5,"supports_brand":"neutral","summary":"VASPs must flag suspicious txs — user harm when funds frozen without clear refund path. Quickex AML policy alignment.","content_md":"# Fatf Aml Freeze Harm\n\n**Source ID:** R-FATF\n\nAML freeze user harm on privacy routes.\n","file_name":"fatf-aml-freeze-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY10","YY23","YY04"]},{"id":"YMYL-R-CFTC-FRAUD-WEB","title":"CFTC/SEC — Fraudulent Crypto Trading Websites","tier":"T1_official","doc_type":"regulation","source_id":"R-CFTC","category":"regulator","credibility":"official","source_url":"https://www.cftc.gov/LearnAndProtect/AdvisoriesAndArticles/watch_out_for_digital_fraud.html","published":"2021-01-01","publisher":"CFTC + SEC","language":"en","ymyl_block":"Y2","harm_category":"scam_phishing","relevance_score":5,"supports_brand":"neutral","summary":"Red flags: guaranteed 20–50% returns, little risk. Fake mirrors harm users — official domain verification critical.","content_md":"# CFTC/SEC — Fraudulent Digital Asset Trading Websites\n\n**URL:** https://www.cftc.gov/LearnAndProtect/AdvisoriesAndArticles/watch_out_for_digital_fraud.html\n\n## Key quotes\n\n> Red flags of fraud including claims of **high guaranteed returns** and promises that investments carry **little or even no risk**.\n\n> Fraudsters can quickly send your money **overseas**, with little chance of recovery.\n\n## Criteria: YY09 (verify official URL), YY19\n","file_name":"cftc-fraudulent-websites.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY09","YY19"]},{"id":"YMYL-R-CFTC-RISKS","title":"CFTC — Understand the Risks of Virtual Currency Trading","tier":"T1_official","doc_type":"regulation","source_id":"R-CFTC","category":"regulator","credibility":"official","source_url":"https://www.cftc.gov/LearnAndProtect/AdvisoriesAndArticles/understand_risks_of_virtual_currency.html","published":"2020-01-01","publisher":"U.S. CFTC","language":"en","ymyl_block":"Y2","harm_category":"volatility_risk","relevance_score":5,"supports_brand":"neutral","summary":"Bitcoin = commodity; cash markets unregulated; hacking/phishing; no assurance of recourse if stolen.","content_md":"# CFTC — Understand the Risks of Virtual Currency Trading\n\n**URL:** https://www.cftc.gov/LearnAndProtect/AdvisoriesAndArticles/understand_risks_of_virtual_currency.html\n\n## Key quotes\n\n> Bitcoin and other virtual currencies have been determined to be **commodities** under the CEA.\n\n> Most cash markets are **not regulated** or supervised by a government agency.\n\n> Virtual currencies are commonly targeted by **hackers and criminals** who commit fraud. There is **no assurance of recourse** if your virtual currency is stolen.\n\n## Criteria: YY06, YY07, YY12\n","file_name":"cftc-virtual-currency-risks.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY06","YY07","YY12"]},{"id":"YMYL-R-SEC-BITCOIN","title":"SEC — Bitcoin and Virtual Currency-Related Investments","tier":"T1_official","doc_type":"regulation","source_id":"R-SEC","category":"regulator","credibility":"official","source_url":"https://www.sec.gov/resources-for-investors/investor-alerts-bulletins/investoralertsia_bitcoin","published":"2014-05-07","publisher":"U.S. SEC","language":"en","ymyl_block":"Y2","harm_category":"financial_loss","relevance_score":5,"supports_brand":"neutral","summary":"Bitcoin investments heightened fraud risk; limited recovery if stolen; volatility. Bar для risk disclaimers на exchange.","content_md":"# SEC — Bitcoin and Virtual Currency-Related Investments\n\n**URL:** https://www.sec.gov/resources-for-investors/investor-alerts-bulletins/investoralertsia_bitcoin\n\n## Key quotes\n\n> Investments involving Bitcoin may have a **heightened risk of fraud**.\n\n> If fraud or theft results in you losing bitcoins, you may have **limited recovery options**.\n\n> Bitcoin users may be targets for fraudulent or high-risk investment schemes.\n\n## YMYL implications\n\n- **YY05/YY06:** Risk disclosure required on money pages\n- **YY08:** No guaranteed returns marketing\n- **YY19:** Fraud pattern awareness for reputation audit\n","file_name":"sec-bitcoin-investor-alert.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY05","YY06","YY08"]},{"id":"YMYL-C-CHANGENOW","title":"ChangeNOW — risk disclaimer benchmark","tier":"T2_authoritative","doc_type":"competitor","source_id":"C-CHANGENOW","category":"competitor","credibility":"competitor","source_url":"https://changenow.io/terms-of-use","published":"2026-01-01","publisher":"ChangeNOW","language":"en","ymyl_block":"Y2","harm_category":"volatility_risk","relevance_score":4,"supports_brand":"neutral","summary":"Benchmark: risk disclaimers, AML/KYC clauses, non-custodial explanation — compare with Quickex money pages.","content_md":"# Competitor Changenow Harm\n\n**Source ID:** C-CHANGENOW\n\nRisk disclaimer benchmark.\n","file_name":"competitor-changenow-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY05","YY06","YY10"]},{"id":"YMYL-QX-PRIVACY","title":"Quickex Privacy — KYC data collection harm disclosure","tier":"T1_site","doc_type":"legal_page","source_id":"QX-LEGAL","category":"quickex_official","credibility":"primary_source","source_url":"https://quickex.io/docs/privacy-policy","published":"2025-01-01","publisher":"Quickex","language":"en","ymyl_block":"Y2","harm_category":"misleading_claim","relevance_score":4,"supports_brand":"mitigates_harm","summary":"Discloses KYC/AML data collection — reduces harm from surprise verification if linked from swap flow.","content_md":"# Quickex Privacy Harm\n\n**Source ID:** QX-LEGAL\n\nKYC data surprise if not linked pre-swap.\n","file_name":"quickex-privacy-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY10","YY04"]},{"id":"YMYL-R-FCA-WARNING","title":"FCA — Cryptoasset investment warnings","tier":"T1_official","doc_type":"regulation","source_id":"R-FCA","category":"regulator","credibility":"official","source_url":"https://www.fca.org.uk/consumers/cryptoassets","published":"2024-01-01","publisher":"UK FCA","language":"en","ymyl_block":"Y4","harm_category":"financial_loss","relevance_score":4,"supports_brand":"neutral","summary":"UK consumers: crypto unregulated for most activities; lose all money; FCA register for authorised firms only.","content_md":"# Fca Crypto Consumer Warning\n\n**Source ID:** R-FCA\n\nUK: may lose all money invested.\n","file_name":"fca-crypto-consumer-warning.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY06","YY17","YY18"]},{"id":"YMYL-R-OFAC-SANCTIONS","title":"OFAC — Sanctions compliance for virtual currency","tier":"T1_official","doc_type":"regulation","source_id":"R-OFAC","category":"regulator","credibility":"official","source_url":"https://ofac.treasury.gov/sanctions-programs-and-country-information/virtual-currency","published":"2024-01-01","publisher":"U.S. Treasury OFAC","language":"en","ymyl_block":"Y2","harm_category":"geo_sanctions","relevance_score":4,"supports_brand":"neutral","summary":"Sanctions on virtual currency addresses — geo-restrictions must be disclosed (YY11) to prevent user legal harm.","content_md":"# Ofac Virtual Currency\n\n**Source ID:** R-OFAC\n\nSanctions geo-restrictions disclosure.\n","file_name":"ofac-virtual-currency.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY11","YY10"]},{"id":"YMYL-R-SEC-PONZI","title":"SEC — Ponzi Schemes Using Virtual Currencies","tier":"T1_official","doc_type":"regulation","source_id":"R-SEC","category":"regulator","credibility":"official","source_url":"https://www.sec.gov/investor/alerts/ia_virtualcurrencies.pdf","published":"2013-01-01","publisher":"U.S. SEC","language":"en","ymyl_block":"Y2","harm_category":"misleading_claim","relevance_score":4,"supports_brand":"neutral","summary":"High returns + little risk = Ponzi pattern. Exchanges must not mirror Ponzi-style marketing.","content_md":"# Sec Ponzi Virtual Currency\n\n**Source ID:** R-SEC\n\nHigh returns + no risk = Ponzi pattern.\n","file_name":"sec-ponzi-virtual-currency.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY08","YY19"]},{"id":"YMYL-C-CHANGELLY","title":"Changelly — transactional trust benchmark","tier":"T2_authoritative","doc_type":"competitor","source_id":"C-CHANGELLY","category":"competitor","credibility":"competitor","source_url":"https://changelly.com/terms-of-use","published":"2026-01-01","publisher":"Changelly","language":"en","ymyl_block":"Y5","harm_category":"support_failure","relevance_score":3,"supports_brand":"neutral","summary":"Refund policy, limits, support channels — harm prevention gap analysis vs Quickex.","content_md":"# Competitor Changelly Harm\n\n**Source ID:** C-CHANGELLY\n\nRefund/limits benchmark.\n","file_name":"competitor-changelly-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY23","YY24","YY25"]},{"id":"YMYL-I-CRAWLUX","title":"Crawlux — Crypto YMYL harm prevention checklist","tier":"T2_authoritative","doc_type":"industry_guide","source_id":"I-CRAWLUX","category":"industry","credibility":"industry_analysis","source_url":"https://www.crawlux.com/guides/eeat-ymyl-crypto/","published":"2026-01-01","publisher":"Crawlux","language":"en","ymyl_block":"Y2","harm_category":"misleading_claim","relevance_score":3,"supports_brand":"neutral","summary":"Operational harm signals: disclaimers, anti-phishing, fee transparency for crypto YMYL.","content_md":"# Industry Crawlux Ymyl Harm\n\n**Source ID:** I-CRAWLUX\n\nHarm prevention checklist.\n","file_name":"industry-crawlux-ymyl-harm.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY05","YY09","YY12"]},{"id":"YMYL-R-FINRA-CYBER","title":"FINRA — Digital currency investor alert","tier":"T1_official","doc_type":"regulation","source_id":"R-FINRA","category":"regulator","credibility":"official","source_url":"https://www.finra.org/investors/insights/high-yield-cybersecurity-risks","published":"2024-01-01","publisher":"FINRA","language":"en","ymyl_block":"Y2","harm_category":"scam_phishing","relevance_score":3,"supports_brand":"neutral","summary":"Cyber risks, phishing, pump-and-dump — supplemental US investor harm bar.","content_md":"# Finra Digital Currency Alert\n\n**Source ID:** R-FINRA\n\nPhishing and cyber risks.\n","file_name":"finra-digital-currency-alert.md","origin":"seed","research_run_id":null,"accessed_date":"2026-08-17","criteria_ids":["YY09","YY19"]}]