Lay Wealth Review: A Fake Certificate As A Sign Of Fraud
Lay Wealth Review: A Fake Certificate As A Sign Of Fraud

Is Lay Wealth Inc a legitimate investment company and can you trust this platform with your hard-earned money? Our Lay Wealth Review is here to answer all your questions regarding this dubious broker.

Right off the bat, we will expose the lie behind the fake certificate that Lay Wealth provided in order to appear as a legal and reputable company. We will also repost the complaint against the company that shatters all illusions around this monkey business.

Regulated by: No Regulation
Is This Company Safe? No
Known Websites: 
Have Warnings from: N/A
Registered in: Croatia (allegedly)
Operating since: 2022-12-06
Trading Platforms: N/A
Maximum Leverage: N/A
Minimum Deposit: 100 $
Deposit Bonus: N/A
Trading Assets: Forex, Indices, Commodities, Stocks, Crypto
Free Demo Account: No, only live trading accounts
How to  Withdraw from This Company? Since this company is unlikely to return your money – contact your bank, Financial Regulator, or simply Reach out to us for professional assistance in recovering your funds.

Is Lay Wealth Legit or Not?

Let us start by exposing the fake certificate that Lay Wealth provided on its website. The link opens an alleged license issued by the Belgian Financial Services and Markets Authority (FSMA), a financial regulator overseeing the businesses in that country.

Now why would a Croatian-based company be regulated by the Belgian authority? It’s suspicious, right? Just in case, we checked the actual register of the FSMA.

It turned out that the fsma has never issued a certificate to this company nor has the Croatian hanfa authorized this broker to provide services and manage funds. Shame on Lay Wealth for lying about being licensed and regulated. This cannot be forgiven.

So basically, Lay Wealth is a dishonest trading platform. While the broker is not blacklisted as a scam like kingston-trading, it does not mean that your money is safe. On the contrary, your funds would be at risk!  

Where Is Lay Wealth Active?

This Crotain company created its website on December 6, 2022, according to And like that, without a license, this company has been offering services to traders mainly from the following countries:

  • United States;
  • United Kingdom;
  • Brazil.

Without a MiFID license, the UK is off-limits to Lay Wealth. Brazil has its own regulations and laws and requires that all brokers be registered with the local financial authority. As for the US, where the regulations are pretty tight, there is no room for lying scammers such as Lay Wealth.

If you fell victim to the Lay Wealth scam, please book a consultation with us and we will explain how you can get your funds back.

Trustpilot Complaint

On, you will notice that Lay Wealth has eight reviews, at the time of this writing. However, there is one complaint that exposes all the other positive reviews as well as the Lay Wealth Scam. 

It is pretty long so we are not going to repost the entire thing. The bits we have chosen best serve to explain how the scam works and why you should not invest money in this platform.

DO not trust previous reviews in here. These are people’s reviews who are involved this huge scam. They just steal your money. First they claim to be legit and honest company. They have this community chat in Telegram, and admin of course has no name… 

Then you make again withdraw request. First nothing happens, all though they promise answer immediately and withdraws supposed to be very fast. Finally someone answers to you, and says you must pay them, in order to withdraw… You ask, why don’t you take this fee (in my case it was 500) from my so called earings, and you got no answer and no money.

  • Trustpilot user, June 7, 2023.

Lay Wealth Investment Products

According to Lay Wealth’s website, this broker promises to assist traders “to trade in financial markets with foreign currencies, shares, indices and commodities safely, using the most common trading platforms worldwide.” So basically you have the classic selection of trading instruments from Forex pairs to CFDs.

One thing to point out here is that the website links to these assets and the cash management program are broken, i.e. cannot be opened.

Note how the broker does not mention cryptocurrencies but then provides an entire table with the most popular tokens. Another shady thing to stress here is the “common” trading platforms. If we may ask, which concrete platforms are available?

Why didn’t the broker simply list them? After doing some more digging, we found out that the broker does not actually support valid third-party trading software such as MT4, MT5, or cTrader, which is all we needed to know. There is no mobile trading app either.

Nevertheless, you have to keep in mind that scammers such as midasfx sometimes do provide clients with top trading platforms but that still does not make them legit. That is why the trading license is the most important thing for every broker and Lay Wealth lied about it.  

Investment Plans

Let’s make an overview of Lay Wealth’s available investment plans:

  • Beginners – 100-2,999 $, 20% return + capital;
  • Pro – 3,000-9,999 $, 50% return + capital;
  • Specialist – 10,000-49,999 $, 75% return + capital;
  • VIP – 50,000$-unlimited, 100% return + capital;
  • Long-term investment – 10,000$-unlimited, 300% return + capital;
  • Vortic 2.0 package – 750-1,000,000 $, 435% return + capital.

Instead of classic live trading accounts with different leverage ranges and spreads, Lay Wealth offers investment plans that “guarantee” hefty returns within relatively short time periods.

A broker’s job is to provide clients with a platform, trading assets and conditions. A broker cannot guarantee or promise certain returns because trading is risky per se. Volatile markets such as crypto are extremely hard to predict, which is why it is not really possible to offer “guaranteed returns”.

If you have laid your wealth on this platform and are now experiencing issues with fund withdrawal, you can call us for help.  

Can I Withdrawal From Lay Wealth?

It is highly unlikely that you will be able to withdraw your funds from Lay Wealth. The scammer did not even bother listing the available payment methods. Only Bitcoin and US Tether are mentioned.

We assume that credit/debit cards and wire transfers are also available. The minimum deposit is 100 $ and there are allegedly no deposit fees. Withdrawal fees, if any, are unknown but it does not matter since withdrawing funds from this platform is impossible.

Just read the complaint that we previously posted. As soon as you mention a withdrawal, Lay Wealth ceases all communications all pretends that you do not exist.

Key Information To Consider About Lay Wealth

To sum up, Lay Wealth is a fraudulent broker with a fake certificate from the FSMA. This platform has been active since December 2022, targeting unsuspecting traders from the US, US, and Brazil.

If you have lost money to this unscrupulous scam broker, you can request a chargeback at your bank within 540 days. Or, if need be, our experts can pinpoint the crypto wallet to which you deposited your funds so that you can request a refund from the exchange.

If you found this info confusing, do not worry. We will explain everything. All you have to do is book a free consultation with our team.

FAQ Section

Is Lay Wealth Regulated?

Lay Wealth is not regulated. The broker shamelessly provided a fake FSMA certificate. Do not trust this scammer.

Does Lay Wealth Offer a Demo Account?

Lay Wealth does not offer a risk-free demo account, only live investment plans.

Can I Get a Chargeback From Lay Wealth?

You can request a chargeback at your issuing bank. If you want your money back, we can help you with the chargeback process.


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