{"id":52615,"date":"2026-02-24T09:31:52","date_gmt":"2026-02-24T07:31:52","guid":{"rendered":"https:\/\/www.cobalt.legal\/?p=52615"},"modified":"2026-02-24T09:31:52","modified_gmt":"2026-02-24T07:31:52","slug":"kaip-atpazinti-kvietimus-investuoti-i-nesaugias-schemas-ar-produktus","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lt\/news-cases\/kaip-atpazinti-kvietimus-investuoti-i-nesaugias-schemas-ar-produktus\/","title":{"rendered":"Kaip atpa\u017einti kvietimus investuoti \u012f nesaugias schemas ar produktus?"},"content":{"rendered":"<p><strong>Penktadalis Lietuvos gyventoj\u0173 per pastaruosius metus yra gav\u0119 neautorizuot\u0173 investicini\u0173<\/strong> <strong>pasi\u016blym\u0173 \u2013 kvietim\u0173 investuoti \u012f finansinius produktus ar schemas, kurias pateikia valstyb\u0117s institucij\u0173 nepri\u017ei\u016brimi ir nereguliuojami subjektai, rodo advokat\u0173 kontoros COBALT u\u017esakymu atlikta reprezentatyvi bendrov\u0117s \u201eSpinter tyrimai\u201c apklausa. Kaip patikrinti tokius pasi\u016blymus?<\/strong><\/p>\n<p>COBALT partner\u0117, advokat\u0117 Akvil\u0117 Bosait\u0117 atkreipia d\u0117mes\u012f, kad 12 proc. apklaust\u0173j\u0173 nurod\u0117 sulauk\u0119 neautorizuot\u0173 pasi\u016blym\u0173, o dar 9 proc. pripa\u017eino gav\u0119 investicini\u0173 pasi\u016blym\u0173, ta\u010diau nebuv\u0119 tikri, ar jie yra teis\u0117ti. Pasak jos, tai rodo, kad \u017emon\u0117ms vis dar sud\u0117tinga atskirti teis\u0117t\u0105 investicin\u012f pasi\u016blym\u0105 nuo pasi\u016blym\u0173, kuriems netaikomi investuotoj\u0173 apsaugos mechanizmai ir kurie d\u0117l to laikomi padidintos rizikos investicijomis.<\/p>\n<p>\u201eTokiose situacijose gyventojai gali b\u016bti skatinami investuoti \u012f piramide gr\u012fstas schemas, nereguliuojamas kriptovaliut\u0173 platformas ar kitus vadinamuosius netradicinius finansinius produktus, kuri\u0173 veikla n\u0117ra pri\u017ei\u016brima Lietuvos banko ar kit\u0173 Europos S\u0105jungos institucij\u0173\u201c, \u2013 sako A. Bosait\u0117.<\/p>\n<p>\u201eSpinter tyrim\u0173\u201c apklausos duomenys rodo, kad neautorizuoti investiciniai pasi\u016blymai pana\u0161iu mastu pasiekia ir vyresnio am\u017eiaus, ir ekonomi\u0161kai aktyvias 26 \u2013 55 met\u0173 am\u017eiaus grupes.<\/p>\n<p><strong>Kaip pamatyti \u201eraudonas v\u0117liavas\u201c?<\/strong><\/p>\n<p>Ma\u017e\u0173 ma\u017eiausia, k\u0105 dera patikrinti, \u2013 ar pateikiami duomenys ir \u012fmon\u0117s apskritai egzistuoja, t. y. paie\u0161koti j\u0173 Juridini\u0173 asmen\u0173 registre, rekvizituose, oficialiose svetain\u0117se.<\/p>\n<p>\u201ePagrindinis kriterijus, leid\u017eiantis atskirti teis\u0117t\u0105 investicin\u012f pasi\u016blym\u0105 nuo galimai neautorizuoto, yra paslaug\u0173 teik\u0117jo turima licencija. Lietuvoje investicines paslaugas gali teikti tik tos finans\u0173 maklerio \u012fmon\u0117s, kredito \u012fstaigos, finans\u0173 patar\u0117jai ar valdymo \u012fmon\u0117s, kurios turi Lietuvos banko arba kitos Europos S\u0105jungos valstyb\u0117s nar\u0117s prie\u017ei\u016bros institucijos i\u0161duot\u0105 leidim\u0105. \u2013 pa\u017eymi COBALT partner\u0117, advokat\u0117 A. Bosait\u0117.<\/p>\n<p>Licencijuot\u0173 paslaug\u0173 teik\u0117jai registruojami Lietuvos banko pri\u017ei\u016brim\u0173 Finans\u0173 rinkos dalyvi\u0173 s\u0105ra\u0161e. Jame galima rasti ne tik \u012fmon\u0117s pavadinim\u0105, bet ir informacij\u0105 apie suteiktas paslaugas, leidim\u0173 tip\u0105, prie\u017ei\u016bros institucij\u0105 bei galimas rizikas. Jei \u012fmon\u0117s \u0161iame s\u0105ra\u0161e n\u0117ra, tai rei\u0161kia, kad Lietuvos bankas negali u\u017etikrinti paslaug\u0173 skaidrumo, atsakomyb\u0117s ar investuotoj\u0173 apsaugos. Taip pat vert\u0117t\u0173 pasitikrinti, ar investicin\u012f pasi\u016blym\u0105 teikianti \u012fmon\u0117 n\u0117ra \u012ftraukta \u012f Lietuvos banko sudarom\u0105 Nelegali\u0173 finansini\u0173 paslaug\u0173 si\u016blytoj\u0173 interneto svetaini\u0173 s\u0105ra\u0161\u0105. \u0160iame s\u0105ra\u0161e pateikiamos platformos ir \u012fmon\u0117s, kurios jau anks\u010diau buvo identifikuotos kaip vykdan\u010dios neleistin\u0105 ar galimai apgauling\u0105 veikl\u0105.<\/p>\n<p>\u201eInvestuoti reik\u0117t\u0173 tik \u012f tai, kas i\u0161 tikr\u0173j\u0173 suprantama, aklai nepasikliaujant tuo, kas da\u017enai pa\u017eymima neautorizuotuose pasi\u016blymuose: es\u0105 \u201en\u0117ra jokios rizikos\u201c, \u201egarantuota gr\u0105\u017ea\u201c ar \u201eitin greitas pelnas\u201c, \u2013 sako A. Bosait\u0117.<\/p>\n<p>Prie\u0161 priimant sprendim\u0105 ji ragina \u012fvertinti, kur tiksliai bus investuojami pinigai, kaip bus apskai\u010diuojama gr\u0105\u017ea, kokie taikomi mokes\u010diai ar rizikos. Svarbu patikrinti ir tai, ar pateikiami dokumentai ai\u0161k\u016bs ir tvarkingi, o \u017eadama gr\u0105\u017ea pagr\u012fsta realiais finansiniais rodikliais.<\/p>\n<p>COBALT partner\u0117, advokat\u0117 pa\u017eymi, kad teis\u0117tas investicin\u012f pasi\u016blym\u0105 teikiantis konsultantas ar \u012fmon\u0117 niekada nespaud\u017eia priimti skuboto sprendimo. \u201ePrie\u0161ingai \u2013 suteikia pakankamai laiko \u012fsigilinti \u012f informacij\u0105, atsako \u012f klausimus, esant poreikiui papra\u0161o u\u017epildyti kliento pa\u017einimo anket\u0105, pateikti duomenis apie investavimo patirt\u012f ir rizikos tolerancij\u0105. Tokie procesai rodo, kad \u012fmon\u0117 laikosi teisini\u0173 reikalavim\u0173 ir veikia skaidriai\u201c, \u2013 paai\u0161kina A. Bosait\u0117.<\/p>\n<p><strong>K\u0105 daryti, jei kyla \u012ftarim\u0173?<\/strong><\/p>\n<p>Net ir atlikus patikras gali likti ar kilti \u012ftarim\u0173 d\u0117l investicinio pasi\u016blymo teis\u0117tumo. Tokiais atvejais svarbu veikti nedelsiant. Jei \u012f \u012ftartin\u0105 pasi\u016blym\u0105 jau buvo atsiliepta ir inicijuotas mok\u0117jimas, pirmiausia rekomenduojama kreiptis \u012f savo bank\u0105 \u2013 tai gali pad\u0117ti sustabdyti ar at\u0161aukti dar ne\u012fvykdytus pavedimus. Taip pat b\u016btina informuoti teis\u0117saugos institucijas (nuo policijos iki Finansini\u0173 nusikaltim\u0173 tyrimo tarnybos ir prokurat\u016bros) ir Lietuvos bank\u0105, pateikiant vis\u0105 turim\u0105 informacij\u0105 \u2013 susira\u0161in\u0117jim\u0105 el. lai\u0161kais ir \u017einut\u0117mis, sutartis, mok\u0117jim\u0173 i\u0161ra\u0161us, interneto svetaini\u0173 adresus ar kontaktinius duomenis.<\/p>\n<p>\u201eKuo daugiau informacijos pateiksite, tuo didesn\u0117 tikimyb\u0117, kad tyrimas bus s\u0117kmingas. Lietuvos bankas turi galimyb\u0119 blokuoti neteis\u0117tas investavimo paslaugas si\u016blan\u010dias interneto svetaines. Taip pat reik\u0117t\u0173 nedelsiant susisiekti su savo banku, kad b\u016bt\u0173 galima sustabdyti ar u\u017eblokuoti galimai neteis\u0117tus mok\u0117jimus, jei tokie buvo inicijuoti\u201c, \u2013 sako A. Bosait\u0117.<\/p>\n<p><strong>Veikiant greitai galima atgauti pinigus<\/strong><\/p>\n<p>Pasak COBALT partner\u0117s, advokat\u0117s galimyb\u0117 atgauti prarastas l\u0117\u0161as didele dalimi priklauso nuo reakcijos grei\u010dio. Jei \u012f bank\u0105 kreipiamasi i\u0161 karto ir l\u0117\u0161os dar n\u0117ra pervestos tre\u010diosioms \u0161alims, kai kuriais atvejais jas pavyksta sustabdyti ar gr\u0105\u017einti. Ta\u010diau tais atvejais, kai pinigai jau pasiekia u\u017esienio subjektus ar nereguliuojamas platformas, susigr\u0105\u017einimo tikimyb\u0117 \u017eenkliai suma\u017e\u0117ja. Tokiais atvejais gali pad\u0117ti tik teis\u0117saugos institucij\u0173 tyrimas, ta\u010diau procesas u\u017etrunka ir ne visada baigiasi s\u0117kmingai.<\/p>\n<p>A. Bosait\u0117 akcentuoja, kad investuojant svarbiausia ne si\u016bloma gr\u0105\u017ea, o ar investuotojui taikoma teisin\u0117 apsauga. Jei investicinis pasi\u016blymas kelia abejoni\u0173, verta skirti laiko papildomai patikrai ar pasitarti su specialistais \u2013 tai gali pad\u0117ti i\u0161vengti situacij\u0173, kuriose investuotojas lieka be reali\u0173 gynimosi mechanizm\u0173.<\/p>\n<p><strong>Nukent\u0117ti gali ir verslas<\/strong><\/p>\n<p>Pasak COBALT partner\u0117s, su neautorizuotais investiciniais pasi\u016blymais susiduria ne tik gyventojai, bet ir verslai. Kadangi \u012fmon\u0117s da\u017enai valdo didesnius likvid\u017eius finansinius i\u0161teklius, jos tampa itin patraukliu taikiniu suk\u010diams, o vienas neteisingas sprendimas gali lemti gerokai didesnius nuostolius nei \u012fprastuose gyventoj\u0173 suk\u010diavimo scenarijuose.<\/p>\n<p>Tod\u0117l \u012fmon\u0117ms ypa\u010d svarbu tur\u0117ti ai\u0161kius vidinius procesus ir patikr\u0173 mechanizmus, apibr\u0117\u017eian\u010dius, kaip vertinami i\u0161oriniai investavimo pasi\u016blymai ir kas \u012fmon\u0117je priima sprendimus d\u0117l investicij\u0173.<\/p>\n<p>\u201eVis d\u0117lto vien formali\u0173 vidaus kontrol\u0117s taisykli\u0173 da\u017enai nepakanka. Siekiant suma\u017einti investicinio suk\u010diavimo rizikas, \u012fmon\u0117ms rekomenduojama taikyti ir papildomas apsaugos priemones. Tarp j\u0173 \u2013 susitarimai su bankais, leid\u017eiantys laiku identifikuoti ir blokuoti ne\u012fprastus ar didel\u0117s vert\u0117s mok\u0117jimus, IT saugumo sprendimai, tokie kaip elektronin\u0117s bankininkyst\u0117s prieigos ribojimas, dviej\u0173 faktori\u0173 autentifikacija ar tinklo steb\u0117sena. Taip pat svarbus gali b\u016bti draudimas nuo suk\u010diavimo ar finansini\u0173 nuostoli\u0173, kuris tam tikrais atvejais leid\u017eia kompensuoti patirt\u0105 \u017eal\u0105\u201c, \u2013 sako A. Bosait\u0117.<\/p>\n<p>Anot jos, ne ma\u017eiau reik\u0161mingi reguliar\u016bs darbuotoj\u0173 mokymai, padedantys atpa\u017einti apgaulingo \u012ftikin\u0117jimo metodus, netikr\u0173 investicini\u0173 pasi\u016blym\u0173 po\u017eymius ir suteikiantys \u017eini\u0173 kaip elgtis kilus \u012ftarim\u0173.<\/p>\n<p>Nors pasitaiko atvej\u0173, kai \u012fmon\u0117ms pavyksta susigr\u0105\u017einti d\u0117l investicini\u0173 apgavys\u010di\u0173 prarastas l\u0117\u0161as teisminiu ar ikiteisminiu keliu, tai grei\u010diau i\u0161imtys nei taisykl\u0117. Pasak A. Bosait\u0117s, s\u0117km\u0119 da\u017eniausiai lemia greita reakcija ir koordinuoti veiksmai: \u201eOperatyviai prad\u0117tas tyrimas ir bendradarbiavimas su institucijomis leid\u017eia atsekti, \u012f\u0161aldyti ir gr\u0105\u017einti klientui l\u0117\u0161as\u201c.<\/p>\n<p>Bendrov\u0117 \u201eSpinter tyrimai\u201c reprezentatyvi\u0105 apklaus\u0105 COBALT u\u017esakymu atliko 2025 m. rugs\u0117j\u012f. Tyrimo metu buvo apklausti 1017 Lietuvos gyventoj\u0173 visoje \u0161alies teritorijoje.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Penktadalis Lietuvos gyventoj\u0173 per pastaruosius metus yra gav\u0119 neautorizuot\u0173 investicini\u0173 pasi\u016blym\u0173 \u2013 kvietim\u0173 investuoti \u012f finansinius produktus ar schemas, kurias pateikia valstyb\u0117s institucij\u0173 nepri\u017ei\u016brimi ir nereguliuojami subjektai, rodo advokat\u0173 kontoros COBALT u\u017esakymu atlikta reprezentatyvi bendrov\u0117s \u201eSpinter tyrimai\u201c apklausa. Kaip patikrinti..<\/p>\n","protected":false},"author":19,"featured_media":34868,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[29],"country":[92],"class_list":["post-52615","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lt","country-lithuania-lt"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kaip atpa\u017einti kvietimus investuoti \u012f nesaugias schemas ar produktus? | COBALT<\/title>\n<meta name=\"description\" content=\"Kaip atpa\u017einti kvietimus investuoti \u012f nesaugias schemas ar produktus?. News. Naujienos. Jaunumi. 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