Below is a comprehensive analysis of Mercuryo Invest LTD, based on the provided criteria, focusing on the official website https://mercuryo.co.com/. The analysis covers online complaints, risk level assessment, website security, WHOIS lookup, IP and hosting, social media presence, red flags, risk indicators, regulatory status, user precautions, brand confusion, and website content. Information is drawn from available data, including web sources, and critically evaluated to provide a balanced perspective.

1. Online Complaint Information ¶

Online complaints about Mercuryo Invest LTD and related entities (e.g., Mercuryo.io) reveal significant concerns:

Nature of Complaints:
Fraud and Scams: Users report being scammed, with allegations of unauthorized transactions. For example, one user claimed criminals remotely accessed their phone, used Apple Pay to transfer funds to a Mercuryo account they didn’t open, and then moved the money to an external Ethereum wallet, with Mercuryo denying responsibility.
Withdrawal Issues: Multiple users report difficulties withdrawing funds, with some alleging Mercuryo demands additional payments to process withdrawals.
High Fees: Complaints highlight unexpectedly high transaction fees, with one user noting a costly initial transaction and others reporting being overcharged.
Poor Customer Support: Users frequently mention unresponsive or unhelpful support, with generic responses and delays in resolving issues.
Account Blocking: Some users report accounts being blocked without explanation after transactions, with vague references to “compliance measures” or “regulatory requirements.”
Suspected Fraudulent Practices: Reviews on platforms like Trustpilot and ScamAdviser include accusations of Mercuryo being run by scammers, with claims of fake reviews inflating trust scores.
Trustpilot and Other Platforms:
Mercuryo Wallet (mercuryo.io) has 7,991 reviews on Trustpilot with a 3.1-star average, but concerns exist about biased or fake positive reviews. Trustpilot flagged Mercuryo for potentially soliciting reviews in ways that compromise reliability.
Negative reviews on Trustpilot for mercuryo.co.com describe severe issues, including unreachable websites, fake email addresses, and significant financial losses (e.g., €2,600 lost with no response).
ScamAdviser rates mercuryo.co.com as having a very low trust score, citing indicators of potential scams.
Critical Perspective: The volume and consistency of complaints, especially regarding fraud, withdrawals, and poor support, suggest systemic issues. However, some positive reviews praise speed and ease of use, indicating that experiences vary. The allegations of fake reviews and Trustpilot’s warning raise doubts about the authenticity of positive feedback.

2. Risk Level Assessment ¶

Based on complaints and other factors, Mercuryo Invest LTD presents a high-risk profile:

Unregulated Status: Mercuryo Invest LTD is not regulated by a top-tier financial authority (e.g., FCA, ASIC, SEC). While it claims registration in the UK under Companies House (certificate number 12332874), this is not equivalent to financial regulation, which leaves users with minimal protections.
Fraud Allegations: Reports of unauthorized transactions and difficulties recovering funds increase the risk of financial loss.
Transparency Issues: Limited disclosure about management, operational practices, and financial status heightens risk.
User Feedback: The prevalence of negative reviews and scam accusations outweighs positive feedback, particularly for mercuryo.co.com.
Conclusion: The combination of no reputable regulation, fraud allegations, and poor transparency makes Mercuryo Invest LTD a high-risk platform. Users should exercise extreme caution.

3. Website Security Tools ¶

Analysis of website security for https://mercuryo.co.com/ reveals significant concerns:

SSL Certificate: ScamAdviser reports that mercuryo.co.com lacks a valid SSL certificate, which is highly suspicious for a financial services website. SSL certificates encrypt data between the user and the server, and their absence increases the risk of data interception.
Security Features: The website does not prominently advertise advanced security measures such as two-factor authentication (2FA), anti-phishing protocols, or encryption standards beyond basic HTTPS (if present). This contrasts with industry standards for financial platforms.
Shared Hosting Risks: The site is hosted on a shared server, which is less secure for data-sensitive services due to potential vulnerabilities from other sites on the same server.
Critical Perspective: The lack of a valid SSL certificate is a major red flag, as financial platforms require robust security to protect user data and transactions. The use of shared hosting further undermines trust in the platform’s security infrastructure.

4. WHOIS Lookup ¶

WHOIS data for mercuryo.co.com is limited due to privacy protections, but available information includes:

Domain Name: mercuryo.co.com
Registrar: Not explicitly listed in provided data, but .co.com is a global domain extension managed by a network of registrars.
Registration Date: Not specified, but the domain has been analyzed since at least October 2023.
Registrant Information: Redacted for privacy, which is common but reduces transparency. No clear link to Mercuryo Invest LTD is provided in the WHOIS data.
Critical Perspective: The redacted WHOIS data is not unusual, but it limits the ability to verify the domain’s ownership or legitimacy. The .co.com extension is less common for financial services, potentially contributing to brand confusion (see below).

5. IP and Hosting Analysis ¶

Hosting Provider: The website mercuryo.co.com is hosted on a shared server, as noted by ScamAdviser. Shared hosting is cost-effective but poses security risks for financial platforms due to potential vulnerabilities from other sites on the server.
IP Address: Specific IP details are not provided in the data, but the hosting environment is flagged as a risk factor due to its shared nature.
Server Location: Not specified, but the lack of transparency about server location adds to concerns about data security and jurisdiction.
Critical Perspective: Shared hosting is inappropriate for a financial services platform handling sensitive user data. The absence of dedicated, secure hosting infrastructure is a significant risk indicator.

Presence: Mercuryo Invest LTD’s social media presence is not well-documented in the provided data. Related entities (e.g., mercuryo.io) have links to social media on their websites, but specific activity for mercuryo.co.com is unclear.
Engagement: No evidence of active social media campaigns or community engagement for mercuryo.co.com. In contrast, mercuryo.io has some social media activity, but reviews suggest it may be used to promote potentially misleading claims.
Red Flags: The lack of a verifiable social media presence for mercuryo.co.com is concerning, as legitimate financial platforms typically maintain active, transparent accounts. Allegations of “pump-and-dump” schemes tied to meme coins on platforms like Mercuryo suggest social media may be used to manipulate markets.
Critical Perspective: The absence of a clear social media footprint for mercuryo.co.com reduces trust and transparency. Any social media activity should be scrutinized for signs of manipulation or fake engagement.

7. Red Flags and Potential Risk Indicators ¶

Several red flags and risk indicators emerge from the analysis:

Unregulated Status: No oversight by a reputable financial regulator, increasing the risk of fraud and lack of consumer protections.
Lack of SSL Certificate: Absence of a valid SSL certificate for mercuryo.co.com, critical for securing financial transactions.
Shared Hosting: Use of shared hosting, which is insecure for financial services.
Fraud Allegations: Reports of unauthorized transactions, account creation without consent, and difficulties withdrawing funds.
Fake Reviews: Suspicions of manipulated positive reviews on Trustpilot, flagged by the platform itself.
Transparency Issues: Limited information about management, operational practices, or financial status.
Address Discrepancy: Mercuryo Invest LTD claims to be located at 30 St. Mary Axe (The Gherkin), London, but the leasing office confirms the company is not an occupier, suggesting potential misrepresentation.
High Fees and Hidden Costs: Complaints about unexpectedly high fees and lack of fee transparency.
Critical Perspective: These red flags collectively indicate a high likelihood of fraudulent or unreliable operations. The address discrepancy and lack of SSL are particularly damning, as they undermine claims of legitimacy.

8. Website Content Analysis ¶

Content Overview: The website https://mercuryo.co.com/ claims to offer trading in Forex, commodities, indices, and shares via the Mercuryo Webtrader platform. It emphasizes technical analysis tools, custom-built trading platforms, and transparency in operations.
Claims and Promises:
Describes itself as a “professional broker” with a focus on performance, flexibility, and speed.
Mentions regulation under UK jurisdiction (SIC 66110 and 66300) with certificate number 12332874, but this refers to Companies House registration, not financial regulation.
Highlights risks of CFD trading, noting that past performance is not indicative of future results, which is standard but does not offset other concerns.
Issues:
Misleading Regulatory Claims: Presenting Companies House registration as “regulation” is deceptive, as it does not involve financial oversight.
Lack of Specificity: The website lacks detailed information about management, operational history, or audited financials, which is unusual for a legitimate broker.
Contact Issues: The listed phone number directs to an Asterisk PBX system, preventing direct communication, which is a red flag.
Critical Perspective: The website’s content is polished but vague, with misleading claims about regulation and limited verifiable details. The inability to contact the company directly via phone further erodes trust.

9. Regulatory Status ¶

Claimed Status: Mercuryo Invest LTD is registered with Companies House in the UK (certificate number 12332874) under SIC codes 66110 (Administration of financial markets) and 66300 (Fund management activities).
Actual Status:
Companies House registration is not equivalent to financial regulation. It only confirms the company’s legal existence, not its adherence to financial standards.
No evidence of regulation by a top-tier financial authority (e.g., FCA, ASIC, CySEC). BrokerChooser explicitly states Mercuryo is not regulated by a trusted authority, making it an unsafe choice.
Related entity mercuryo.io claims registration with FINTRAC in Canada and HANFA in Croatia, and operates as a PSD agent under the UK’s FCA, but these are limited in scope and do not apply to mercuryo.co.com.
Critical Perspective: The lack of reputable financial regulation is a critical risk factor. The company’s reliance on Companies House registration to imply legitimacy is misleading, as it offers no investor protections.

10. User Precautions ¶

To protect themselves, users considering Mercuryo Invest LTD should:

Avoid Investment: Given the high-risk profile, unregulated status, and fraud allegations, users should avoid depositing funds or sharing personal information.
Verify Regulation: Always check a broker’s regulatory status with top-tier authorities (e.g., FCA, SEC) via official registries, not company claims.
Use Secure Platforms: Choose brokers with valid SSL certificates, dedicated hosting, and transparent security measures.
Research Reviews: Cross-reference reviews on multiple platforms (e.g., Trustpilot, ScamAdviser) and be wary of overly positive or anonymous reviews.
Secure Accounts: If using any crypto or trading platform, enable 2FA, use strong passwords, and avoid sharing sensitive information.
Report Issues: If scammed, report to authorities like the UK’s FCA, the US’s FTC, or local financial regulators, and consider legal action.
Check Addresses: Verify physical addresses through official sources (e.g., building management), as Mercuryo’s claimed address is unconfirmed.
Critical Perspective: Users must prioritize due diligence and skepticism, as Mercuryo Invest LTD’s red flags suggest a high likelihood of financial loss.

11. Potential Brand Confusion ¶

There is significant potential for brand confusion with Mercuryo Invest LTD:

Similar Entities:
Mercuryo.io: A cryptocurrency payment platform with similar branding, registered in Estonia and Canada. It has its own set of complaints but appears more established, with partnerships (e.g., Binance, Trust Wallet).
Mercuryo CO LTD and Mercurio Limited: Other entities listed on Companies House with similar names, potentially causing confusion.
Domain Issues:
The .co.com domain is less common and may be mistaken for .com or .co, leading users to believe mercuryo.co.com is affiliated with mercuryo.io or other legitimate platforms.
ScamAdviser notes that the .co.com extension is used by some fraudulent sites, increasing confusion.
Misrepresentation:
Mercuryo Invest LTD’s claim of being based at The Gherkin, London, when it is not an occupier, may exploit the prestige of the address to appear legitimate.
The similarity in branding between mercuryo.co.com and mercuryo.io could mislead users into assuming they are the same or equally trustworthy.
Critical Perspective: The potential for brand confusion is high, likely intentional to capitalize on the reputation of mercuryo.io or other entities. Users must carefully verify the exact website and company they are dealing with.

12. Overall Conclusion ¶

Mercuryo Invest LTD, operating via https://mercuryo.co.com/, presents a high-risk profile due to:

Unregulated Status: No oversight by a reputable financial authority, with misleading claims about Companies House registration.
Security Failures: Lack of a valid SSL certificate and use of shared hosting, compromising user data and transactions.
Fraud Allegations: Consistent reports of unauthorized transactions, withdrawal issues, and poor support.
Transparency Issues: Limited information about management, operations, and physical presence, with a confirmed false address claim.
Brand Confusion: Similarity to mercuryo.io and other entities increases the risk of user error.
Negative Reviews: Overwhelming complaints about scams, high fees, and fake reviews outweigh positive feedback. Recommendation: Avoid Mercuryo Invest LTD due to its high risk of fraud and lack of regulatory protections. Users should opt for brokers regulated by top-tier authorities, with verified security measures and transparent operations. If already engaged with Mercuryo, immediately explore options to recover funds, including contacting financial authorities or legal professionals. Sources: Cited throughout as, based on provided web results. Users can request specific links to these sources if needed.

This analysis critically evaluates Mercuryo Invest LTD, prioritizing user safety and skepticism of unverified claims. Let me know if you need further details or analysis on specific aspects!

AI risk analysis - Mercuryo (2025-04-29 17:35:40)