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Habr 25+habr25@zhub.link
2026-02-16

Как финтех-прокладка Wildberries выдает займы под 85% годовых, маскируясь под «поручителя»

Федеральный закон № 31-ФЗ о самозапрете на кредиты не работает на Wildberries. Маркетплейс выдает займы даже тем, у кого стоит официальный запрет через Госуслуги. В январе 2026 года моя мама-пенсионерка, несмотря на активный самозапрет в БКИ, получила долг за БАДы под 85% годовых . Я провел техническое и юридическое расследование, чтобы понять, как это возможно. Внутри статьи: Юридический взлом: Как подмена «Кредитного договора» на «Договор поручения» позволяет игнорировать запросы в БКИ. Frontend-расследование: Почему в DOM-дереве страницы физически отсутствует кнопка отказа от процентов (льготного периода). Фискальный след: Анализ чеков (Тег 1214 «Передача в кредит» и НДС 20% на «воздух»), доказывающий притворность сделки. OSINT: Связь «независимой» ООО «Престо» с действующим CISO банка Wildberries. Комментарии юристов: Эксперты подтверждают — это схема обхода нового закона, который вступит в силу 1 апреля. Инструкция о том, как работает «регуляторный арбитраж» в российском финтехе и как защитить своих близких от долговой ямы в один клик. По горячим следам...

habr.com/ru/articles/1000046/?

#Wildberries #самозапрет_на_кредиты #информационная_безопасность #финтех #темные_паттерны #BNPL #защита_прав_потребителей #микрозаймы #115ФЗ #ООО_Престо

Habrhabr@zhub.link
2026-02-16

Как финтех-прокладка Wildberries выдает займы под 85% годовых, маскируясь под «поручителя»

Федеральный закон № 31-ФЗ о самозапрете на кредиты не работает на Wildberries. Маркетплейс выдает займы даже тем, у кого стоит официальный запрет через Госуслуги. В январе 2026 года моя мама-пенсионерка, несмотря на активный самозапрет в БКИ, получила долг за БАДы под 85% годовых . Я провел техническое и юридическое расследование, чтобы понять, как это возможно. Внутри статьи: Юридический взлом: Как подмена «Кредитного договора» на «Договор поручения» позволяет игнорировать запросы в БКИ. Frontend-расследование: Почему в DOM-дереве страницы физически отсутствует кнопка отказа от процентов (льготного периода). Фискальный след: Анализ чеков (Тег 1214 «Передача в кредит» и НДС 20% на «воздух»), доказывающий притворность сделки. OSINT: Связь «независимой» ООО «Престо» с действующим CISO банка Wildberries. Комментарии юристов: Эксперты подтверждают — это схема обхода нового закона, который вступит в силу 1 апреля. Инструкция о том, как работает «регуляторный арбитраж» в российском финтехе и как защитить своих близких от долговой ямы в один клик. По горячим следам...

habr.com/ru/articles/1000046/

#Wildberries #самозапрет_на_кредиты #информационная_безопасность #финтех #темные_паттерны #BNPL #защита_прав_потребителей #микрозаймы #115ФЗ #ООО_Престо

Emeritus Prof Christopher MayChrisMayLA6@zirk.us
2026-02-11

More business-friendly (de)regulation from the Financial Conduct Authority:

after lobbying the Buy-Now-Pay-Later sector will not have to reveal to prospective borrowers:

* their withdrawal & cancellation rights;

* their right to complain to the financial ombudsman; nor,

* the lender’s ability to take money from their account.

all three which BNPL lenders argued were irrelevant details not required by borrowers... yeah, right.

More regulatory capture!

#BNPL #regulation #politics
h/t FT

Durrelldurrell.bsky.social@bsky.brid.gy
2026-02-07

🚨 #BREAKING: #Klarna-like “buy now, pay later” options are officially here for American #Renters, per AP. This is blaring five alarms for the #Economy: A literal #GreatDepression indicator BTW. If we need #BNPL just to secure #Housing, the system is officially broken. apnews.com/article/rent...

Fees for 'rent now, pay later'...

DurrellDurrell
2026-02-07

🚨 : -like “buy now, pay later” options are officially here for American , per AP.

This is blaring five alarms for the : A literal indicator BTW.

If we need just to secure , the system is officially broken.

apnews.com/article/rent-now-pa

Māmā takiwātangaMichaelaKHulse@mastodon.nz
2026-02-05

I don’t like sharing YouTube on here, but one of my favourite YouTube channels, The Financial Diet, shared a really good post about what they call ‘micro debt’ which is small debts and habitual spending that adds up.

I experienced a lot of freedom when I practiced a #NoBuyYear2025 and restricted non-essential purchases so I could cut through the noise and actually understand my #financial situation.

I do have to confess, we did a lot better because of that #NoBuyYear, but we still had forms of micro debt that we didn’t want to face, mainly in how we kept using #BNPL, which was a vicious cycle because we would keep spending approximately what we could afford to pay off each week, keeping us in that debt. Another way to put that is if we hadn’t needed to make repayments to Afterpay, we could have purchased everything outright that we needed for that week. It was all ‘essentials’ but sometimes some essentials are less essential than others and some of it could have been reduced with more creative thinking.

I do think there are good uses for BNPL, like being able to buy better quality clothing and footwear that will last longer or like the time we bought a whole beef rump which we still have some of in the freezer and have more than paid off.

That being said, now we are blessed with a little bit more income than last year and my goal is to get to 0 BNPL debt at least once this year. I banned the use of it at The Warehouse and Bunnings to help us reduce mindless spending and hopefully it will become a tool that works for us not against us.

youtube.com/post/UgkxtX-9G3dT6

IT FinanzmagazinIT_Finanzmagazin
2026-02-03

Buy now, pay later birgt laut Bafin erhebliche Risiken: Jeder siebte Nutzer verliert den Überblick, besonders IT-affine Unter-30-Jährige sind betroffen. Das Nutzungsverhalten zeigt: Elektronik, Bequemlichkeit und aufgeschobene Zahlungen treiben auch in Deutschland den Trend.

it-finanzmagazin.de/buy-n...
it-finanzmagazin.de/buy-now-pa

Alex JimenezAlexJimenez@mas.to
2026-01-28

Fiserv adds Affirm's #BNPL to debit cards

The product will allow smaller financial institutions and credit unions to offer pre- and post-purchase, point-of-sale installment lending without program management overhead.

americanbanker.com/payments/ne

#FinTech #FinServ #Banking #Payments #PayTech

IT FinanzmagazinIT_Finanzmagazin
2026-01-28

Die BaFin warnt vor neuen IT- und Cyberrisiken durch Digitalisierung, Krypto und KI im Finanzsektor; klassische und technologische Gefahren verschmelzen zunehmend. Besonders brisant: Erstmals rücken auch Risiken für Verbraucher und disruptive Tech-Trends ins Zentrum der Aufsicht.
...
it-finanzmagazin.de/von-krypto

Alex JimenezAlexJimenez@mas.to
2026-01-22

Klarna to offer after-purchase #BNPL

Shoppers will be able to convert purchases into installment loans after the transaction, the company said Tuesday.

paymentsdive.com/news/klarna-t

#FinTech #FinServ #Banking #Payments #PayTech

Alex JimenezAlexJimenez@mas.to
2026-01-21

Afterpay tallies #BNPL repayments

Most Afterpay customers have repaid their Black Friday and Cyber Monday purchases, the company said, pushing back on consumer “debt spiral” concerns.

paymentsdive.com/news/afterpay

#FinTech #FinServ #Banking #Payments #PayTech

Alex JimenezAlexJimenez@mas.to
2026-01-18

Affirm to offer #BNPL for rent

The buy now, pay later player is one of the first to offer pay later installment financing for tenants paying their monthly rent.

paymentsdive.com/news/affirm-t

#FinTech #FinServ #Banking

Alex JimenezAlexJimenez@mas.to
2026-01-15

Klarna adds to payments menu; BofE gets heat on #Stablecoin limits

Klarna has added peer-to-peer transfers.

americanbanker.com/payments/ne

#FinTech #FinServ #Banking #Payments #PayTech #BNPL

Alex JimenezAlexJimenez@mas.to
2026-01-06

Klarna faces investor lawsuit

The buy now, pay later company understated the risks of its consumer loans, the legal action alleges.

paymentsdive.com/news/klarna-f

#FinTech #FinServ #Banking #BNPL

acemaxxacemaxxanalytics@econtwitter.net
2025-12-21

(note to myself)
Buy Now, Pay Later (interpretation via macro lens)
#BNPL succeeds not b/c it is economically superior, but b/c it is psychologically engineered to feel safer:

Alex JimenezAlexJimenez@mas.to
2025-12-20

#BNPL connected to poor mental health: study

Johns Hopkins University researchers have spotted a link between people with mental health conditions and those that have used buy now, pay later loans.

paymentsdive.com/news/bnpl-con

#FinTech #FinServ #Banking

Andreas Theusersarge@mstdn.social
2025-12-18

@die_reklame bei den Zinssätzen würden manchen heute der Kopf explodieren 🤯 Aber hey anderseits… #bnpl

ferricoxide@evil.social
2025-12-18

In news of useless rewards cards perks:

Get up to $120 in Instacart credits annually for groceries.

You can enjoy $0 delivery fees with 3 months of complimentary Instacart+* and a $10 monthly Instacart credit — up to $120 each year — with your eligible co-branded brand credit card. Benefits valid through 12/31/27. *Service fees and terms apply.
I don't use #InstaCart. I tried it twice. Both times were, uh, "not great" experiences. Having a discount might make using it marginally less-frustrating …but not enough to make me want to use what, to me, is a useless service.

So, yeah, I'm not one of those people that uses #Klarna or other #BNPL options to break up my InstaCart payments.

I mention #BNPL because, the same credit card that's partnered with InstaCart hits me with "would you like to break this charge up into several payments" pop-ups every time I login to pay the month's charges and there happen to be any 3+ figure charges in that month's activity. Fuck off. Stop bothering me.

IT FinanzmagazinIT_Finanzmagazin
2025-12-18

BBVA launcht mit „Pay&Plan“ eine innovative API-basierte Ratenzahlung, die beliebige Kartenzahlungen nachträglich und flexibel über die App in 0%-Finanzierung umwandelt. Damit bietet BBVA eine spannende Alternative zu klassischen BNPL-Modellen und bringt datengetriebene Finanzplanung direkt ins Mobile Banking.
...
it-finanzmagazin.de/bbvas-payp

Alex JimenezAlexJimenez@mas.to
2025-12-12

#BNPL growing as charge-offs and late fees decline: CFPB

The report offers validation for the BNPL industry, which has faced criticism for expanding into everyday spending, such as food delivery.

americanbanker.com/payments/ne

#FinTech #FinServ #Banking

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