Before we begin, please remember that this is not personal financial advice and I am no longer a financial adviser. This is entirely my personal opinion on what is going on and why people should not panic. If you have been following my coverage on Chocolate Finance, some parts will feel quite repetitive as many of the points have been covered before. You can also read Chocolate Finance’s statement here.

1. Where are users’ monies placed with Chocolate Finance money?

We have to be clear that money placed with Chocolate Finance is invested into investment funds, specifically investment-grade bond funds. This is separate from Chocolate Finance itself and money is with big, reputable fund managers. I mentioned this in my article and video (3:23 onwards) when I introduced Chocolate Finance:

2. Liquidating investment funds takes a few days — this is normal behaviour

Buying and selling of these funds take a few working days and this is normal behaviour....