FinteqHub’s Concealed Payment Rails: How SoftSwiss’s Gateway Allegedly Routes Casino Transactions via Spoynt, Decta, Rapyd and Rastpay
A fresh leak submitted to the Scam-Or Project whistleblower section provides additional technical insight into FinteqHub’s function within the SoftSwiss & Dream Finance (dba CoinsPaid, CryptoProcessing) ecosystem. According to the source, card and Apple Pay deposits at the LuckyDreams casino are funneled through multiple third-party processors in a layered structure — a configuration that may raise significant transparency and AML concerns for regulators, banks, and compliance teams interacting with these payment corridors.
Key Findings
- FinteqHub presents itself as a PCI DSS-certified payment orchestration platform integrating 50+ providers with intelligent routing capabilities.
- A whistleblower alleges that at LuckyDreams, card payments are routed through FinteqHub to:
- pay.spoynt.com (Spoynt gateway),
- transactions.decta.com (Decta),
- rapyd.net (Rapyd),
- with possible involvement of Cardaq (as discussed on CasinoGuru).
- Independent sources confirm that:
- Spoynt (Estonia-based),
- Decta (global acquirer),
- Rapyd (international payments and wallet infrastructure provider),
- Rastpay (Apple Pay-enabled PSP),
- all operate as active payment providers capable of integration via orchestration systems such as FinteqHub.
- A prior investigation by Scam-Or Project established:
- FinteqHub is a gateway solution developed within the SoftSwiss environment.
- Its EU trademark and intellectual property are registered under Dream Transaction Lda (Madeira).
- Shareholders include Pavel Kashuba, PrimeFuture Ltd, and Bitcapital Ltd, all linked to the Dream Finance / SoftSwiss circle.
- Dream Finance entities in Lithuania, Poland, and El Salvador have faced suspensions or liquidation in regulatory contexts, alongside money-laundering allegations.
- The routing pattern described by the whistleblower (FinteqHub → Spoynt → Decta → Rapyd, with Rastpay handling Apple Pay) is technically consistent with stacked orchestration architecture, though it has not yet been independently verified for LuckyDreams without payment-page code analysis, network traces, or PSP documentation.
Architectural Analysis: How the Stack May Function
FinteqHub positions itself as a centralized orchestration hub sitting between merchants — including iGaming operators — and dozens of PSPs, acquirers, and wallet providers via a unified API and smart routing logic.
This structure inherently allows cascading flows of the type described:
- A player initiates a card deposit at the casino front end.
- The request is handed off to FinteqHub via API or redirect.
- FinteqHub evaluates routing rules, approval rates, and risk parameters.
- The transaction is forwarded to a connected PSP such as Spoynt, Decta, Rapyd, or another integrated processor.
Compatibility of Named Providers
Each PSP mentioned operates in a way that technically aligns with such an orchestration model:
- Spoynt promotes transaction cascading and multi-gateway routing, specifically targeting approval optimization for high-risk merchants.
- Decta provides card acquiring, issuing, gateway services, and direct Visa/Mastercard connectivity.
- Rapyd offers global card acquiring and alternative payment methods across 100+ jurisdictions, frequently serving gaming and high-risk e-commerce sectors.
- Rastpay markets itself as a card and mobile wallet gateway supporting Apple Pay and is available as an integrated provider through platforms such as Corefy.
- Cardaq, an EMI-licensed provider, has been publicly associated with card issuance and gateway services, with complaints alleging miscoding of gambling transactions.
From a purely technical standpoint, the layered configuration described by the whistleblower is feasible within standard orchestration logic.
Structural Risk Context
When combined with previously documented corporate linkages, the compliance exposure becomes more pronounced:
- FinteqHub’s ownership structure traces back to Dream Transaction Lda and Cyprus-based shareholders associated with Ivan Montik and Pavel Kashuba.
- The regulatory perimeter around Dream Finance has already been impacted:
- MiCA-related suspension in Lithuania,
- Liquidation of Polish and El Salvador entities,
- Allegations concerning casino-linked laundering and tax irregularities.
- Third-party PSPs integrated downstream may unknowingly service high-risk SoftSwiss casinos through an intermediary layer, complicating merchant-of-record transparency and KYB assessments.
At this stage, Scam-Or Project cannot confirm as fact that LuckyDreams transactions follow the precise sequence described. Independent verification would require:
- Payment-page source code review,
- Network traffic captures,
- Direct PSP documentation,
- Acquirer-side confirmation.
However, considering:
- FinteqHub’s documented orchestration model,
- Public positioning of Spoynt and Rapyd as cascading multi-method gateways,
- Established SoftSwiss / Dream Finance control links,
the whistleblower’s description remains technically credible and structurally coherent.
Alleged FINTEQHUB Routing Stack – Summary Table
| Layer in Flow (Alleged) | Domain / Entity | Functional Role | Publicly Documented Capabilities |
|---|---|---|---|
| 1. Casino Frontend | e.g. luckydreams.com | Player initiates card or Apple Pay deposit; integrates with FinteqHub API (alleged). | SoftSwiss-style iGaming brand; uses third-party gateways (FinteqHub use not independently confirmed). |
| 2. Orchestration Layer | FinteqHub | Receives transaction request, applies routing logic, forwards to PSP/acquirer. | PCI DSS-certified orchestration platform; 50+ integrations; smart routing; iGaming focus. |
| 3. Gateway / PSP | pay.spoynt.com (Spoynt) | Card gateway endpoint; checkout handling, tokenisation, routing onward. | Multi-acquirer routing; high-risk merchant support; transaction cascading. |
| 4. Acquirer / Processor | transactions.decta.com (Decta) | Authorization, clearing, and settlement via card schemes. | Visa/Mastercard acquirer; gateway, issuing and processing services. |
| 5. Global PSP | rapyd.net (Rapyd) | Cross-border acquiring, alternative payment methods, fallback routing. | 100+ country payment methods; global card acquiring; widely used in online services. |
| 6. Additional Card PSP (Alleged) | Cardaq | Possible additional acquirer/gateway layer. | EMI-licensed; PCI DSS-certified; public allegations of transaction miscoding. |
| 7. Apple Pay PSP | rastpay.com (Rastpay) | Handles Apple Pay tokenisation and mobile wallet processing. | Card and mobile wallet gateway; integrated on platforms like Corefy. |
This table reflects the whistleblower’s account for LuckyDreams combined with publicly available information about each provider’s capabilities. The precise merchant-of-record and routing configuration remains alleged.
Call to Players, Insiders and Compliance Officers
Scam-Or Project continues mapping the payment infrastructure surrounding FinteqHub and the SoftSwiss / Dream Finance Group, including the involvement of Spoynt, Decta, Rapyd, Rastpay, Cardaq, and other processors in casino deposit and withdrawal flows.
We invite confidential submissions from:
- Players who deposited via card or Apple Pay at LuckyDreams or other SoftSwiss-powered casinos,
- Current or former employees of FinteqHub, SoftSwiss, Dream Finance, Spoynt, Decta, Rapyd, Rastpay, or Cardaq,
- Bank and PSP compliance professionals who observed unusual onboarding documentation, merchant coding, or traffic patterns involving these entities.
Screenshots, bank statements, payment URLs, technical logs, routing diagrams, contracts, or internal communications can be submitted securely via the Scam-Or Project whistleblower section.
All submissions are handled under strict source-protection standards. Evidence provided may assist regulators and financial institutions in assessing whether layered orchestration structures are being used to obscure merchant identities, bypass gambling restrictions, or facilitate suspicious financial flows.
