🚨Bankruptcy of Cinkciarz.pl: What's next for customers' money?

The bankruptcy of one of Poland's most recognizable fintechs has become a reality. The court has declared Cinkciarz.pl bankrupt, and its president, Marcin P., is wanted by Interpol on charges of fraud and money laundering. For thousands of customers, this is the moment they have been waiting months for - they can finally start the fight to get their money back.

How did Cinkciarz.pl collapse?

Problems began as early as September last year, when the first delays in settlements appeared. The scale of the troubles grew, and the case quickly attracted the interest of the FSC and the prosecutor's office. As a result, the fintech lost its license to provide payment services, which was the beginning of the end of its operations.

Syndic takes over - what does this mean for customers?

The court appointed a receiver to manage all of Cinkciarz.pl's assets from now on. The tasks are clear:

• determination of the company's assets
• recovery of any funds that may have been moved out
• Liquidation of assets and distribution of funds to creditors

Although the court's decision is not yet final, it is already effective and enforceable - the proceedings have gone into full swing.

How do you get your money back? Time matters

Injured customers are not allowed to conduct their own enforcement - the only way is by filing a claim.

Do you have funds lost at Cinkciarz.pl? You need to:

✅ File a claim
✅ Do it within 30 days of bankruptcy
✅ Use the National Debt Register system

Only those who report the claim will be able to receive a refund.

The receiver notes that at this stage it is not yet possible to estimate how much of the money will be returned to customers. Access to documents is limited, and investigators are still looking into the case.

The scale of losses can be frightening

According to estimates, up to 7,000 people may be affected, and the company's potential liabilities amount to about 125 million zlotys. The final amounts will be known only after analysis of documents and customer reports.

A long process - but there is hope

Bankruptcy proceedings can take a long time. The trustee has the right to claim the invalidity of the company's suspicious activities for up to 2 years after the bankruptcy declaration. This is a chance to recover assets that may have been hidden or moved out.

Summary: What do Cinkciarz.pl customers need to do?

📌 Report the claim to the NCR within 30 days
📌 Monitor the trustee's communications
📌 Retain proof of payment and transaction documents

The bankruptcy of Cinkciarz.pl is another strong indication that the fintech market, while dynamic and innovative, can carry enormous risks. Fortunately, customers have a real chance to recover some of their funds - the key is to act quickly.