Victim Support
Comprehensive assistance and restitution for those affected by financial crime.
VICTIM SERVICES
Restoring Security After Fraud
Financial crime doesn't just steal money; it steals peace of mind. EFCA's Recovery Unit is dedicated to making victims whole through a combination of rapid asset freezing and a guaranteed restitution fund.
EU Bail-in Fund
Levied from all EU-licensed financial platforms, this insurance fund ensures that victims of confirmed fraud receive restitution even while assets are still being traced.
INTEGRITY
The Verification Pipeline
EFCA separates the rapid-freeze protocol from the careful-payment protocol. We freeze assets within 60 minutes, then verify identity to ensure restitution reaches the rightful owner.
Fully Automated Verification
- ✓Digital identity login — EU standard, no staff required
- ✓Bank micro-ping: €0.01 test credit confirms account ownership
- ✓AI cross-check: claimed amount vs subpoenaed bank records
- ✓Silent notification sent to real IBAN owner via bank's secure system
Human Contact Required
- ⏲One 15-minute video verification call with a Case Officer
- ⏲Live biometric face match (blink pattern & depth detection)
- ⏲Investigator reviews evidence with victim during live call
- ⏲Dual sign-off: lead investigator + Recovery Unit officer
PROTECTION
Defeating Fraudulent Claims
The restitution fund is a target for fraudsters. EFCA's multi-layered defense system ensures that the fund only serves genuine victims.
Fraudster has victim's full data and attempts to file a report using stolen credentials.
Verification requires a live biometric face match. Data knowledge ≠ physical presence. Hard stop.
Using AI-generated video of the victim to attempt to pass the live video verification call.
Passive liveness detection (blink regularity, lighting consistency) catches deepfakes within 30 seconds.
The Single Most Powerful Safeguard
The person who files the report and the bank account that receives restitution are verified through separate, independent channels. No fraudster can forge both simultaneously.
Legal Representation
EFCA acts as your representative in all judicial proceedings. Our Legal Division handles the hand-over to EPPO, meaning you rarely need to appear in court or hire private counsel.
Sentinel Protection
After a confirmed fraud event, your Decentralized Identity (DID) is upgraded with enhanced Sentinel AI monitoring. This provides a "warm-wall" against future targeted phishing attempts.
Case Officer Access
Every open case is assigned a dedicated human investigator. You can communicate securely through the portal to provide new evidence or receive detailed updates on asset recovery.
Frequently Asked Questions
How much does EFCA support cost?
Zero. EFCA is a taxpayer-funded EU authority. There are no fees for reporting, representation, or restitution.
Can I get my money back if the suspects are outside the EU?
Yes. Our Cyber-Diplomacy unit leverages EU payment rail exclusion to compel offshore platforms to cooperate with asset freezes.
What if the assets were converted to crypto?
The Nexus Lab traces "chain-hopping" in real-time. We blacklist wallets on the Clean-Coin Ledger, effectively freezing the assets at the exchange level.