Is Ayomi Financial Services Limited a Scam?

At FXCanary, we treat every broker with the same sceptical, evidence-first approach. We begin with the regulatory record, because that is the only layer of protection a trader can verify independently. We then weigh the broker's own marketing claims against what the public registers actually show, and we look for gaps — missing disclosures, unverifiable contact details, or a web presence that does not match the legal entity.

For Ayomi Financial Services Limited, our starting point is the CySEC register, which lists the firm as an authorised Cyprus Investment Firm with licence number 402/21. That is a genuine, verifiable authorisation, and we confirmed it against the regulator's own public records. The firm is registered in Cyprus, and its official domain, ayomi.fr, matches the entity named in the licence. So far, the basics line up.

However, our Scam Risk Score for Ayomi stands at 34 out of 100, which we classify as 'Guarded'. That is not a fraud allegation — it is a warning that the safety picture is incomplete. The single most important flag is that we could not verify a functioning website or social-media presence that clearly belongs to this broker. For a firm that is supposed to be raising money for businesses, that silence is unusual and warrants caution.

A CySEC authorisation is one of the stronger regulatory credentials in the retail trading world, because it brings the firm under the MiFID II framework. That means the broker must meet capital requirements, report to the regulator, and follow conduct-of-business rules. It also means the firm is subject to the Investor Compensation Fund (ICF), which can pay out up to €20,000 per eligible client if the firm fails. That is real protection, but it is not unlimited, and it only applies to clients who are covered by the fund.

We cross-checked the licence number 402/21 against the CySEC public register, and it is live and authorised. The firm is also listed on the Spanish CNMV register as an investment services firm operating under the freedom to provide services. That is a further sign that the licence is being used in practice across the EU, not just on paper.

But a licence is not a guarantee of good behaviour. CySEC has fined and sanctioned other Cypriot investment firms for compliance failures, and the compensation fund has a cap. In FXCanary's assessment, the licence removes the 'unregulated' red flag, but it does not by itself make the broker safe. The absence of independent user reviews and the weak online footprint mean we cannot yet see how the firm behaves in practice.

Under CySEC rules, client money must be segregated from the firm's own funds. That means your money should not be used to pay the broker's bills, and in the event of insolvency it should be ring-fenced. This is a core safeguard, and we have no reason to believe Ayomi is not complying with it, but we also have no independent confirmation of how the firm handles client money in practice.

The Investor Compensation Fund is the second layer. If Ayomi were to fail and the ICF were triggered, eligible retail clients could claim up to €20,000. That is a meaningful safety net, but it is per client, not per account, and it does not cover investment losses. It only covers the loss of your deposited funds if the broker goes bust.

We should also note that the firm's own client agreement, which we reviewed, describes it as authorised and regulated by CySEC with licence 402/21. That matches the public register. However, the agreement also shows the firm operates as a tied agent of a French entity, Ayomi SAS, for certain services. That introduces an extra layer of complexity, and we would want to see clear disclosure of which entity is responsible for which service before committing funds.

Our web searches returned a mix of pages that are directly relevant to Ayomi and others that are clearly unrelated. The official domain ayomi.fr is a fundraising platform for small and medium enterprises, not a typical retail forex broker. That is consistent with the firm's corporate issuer client agreement, which suggests its business is raising capital for companies, not providing leveraged trading to individuals.

We also found the CySEC register entry, which confirms the licence, and a third-party broker profile that lists the same licence number and company registration number. That profile is consistent with our known facts, so we treat it as reliable. However, we found no independent user reviews, no forum discussions, and no social-media presence that we could verify as belonging to this broker.

The absence of independent reviews is itself a finding. For a firm that has been authorised since 2021, we would expect at least some trace of client experience — complaints, praise, or even neutral mentions. The silence means we cannot assess how the firm treats its clients in practice. In FXCanary's view, that is a gap that a cautious trader should not ignore.

Our records show no clone or impersonator sites for Ayomi Financial Services Limited. That is a positive finding, because clone scams are common in the forex and investment space, where fraudsters copy a legitimate firm's name and licence number to lure victims. The fact that we have not seen clones suggests the firm is not yet a high-profile target.

However, the risk is not zero. The firm's name is generic, and its domain, ayomi.fr, is easy to confuse with other 'Ayomi' entities. We also noted that the firm operates with a tied agent, Ayomi SAS, in France, which adds another name to the mix. A fraudster could easily create a lookalike domain or use the tied-agent name to appear legitimate.

Our advice is to always verify the broker's identity through the official CySEC register, not through a search engine. Check that the domain you are using is the one listed on the regulator's record, and be wary of any unsolicited contact claiming to be from Ayomi. If you are approached by someone using a slightly different domain or email address, treat it as a red flag.

If you are considering dealing with Ayomi Financial Services Limited, the first step is to verify the licence yourself. Go to the CySEC website, search for the firm, and confirm that the licence number 402/21 is active and matches the entity you are dealing with. Do not rely on screenshots or links sent to you by the broker — use the regulator's own search tool.

Second, check the firm's contact details against the official register. Our records show the address as 171 Arch. Makariou III, Vanezis Business Center, 4th floor, Office 401C, 3027 Limassol, Cyprus, and the phone number +357 25010432. If you are contacted from a different address or phone number, be suspicious.

Third, understand what you are buying. Ayomi appears to be a fundraising platform for businesses, not a standard forex broker. If you are being offered leveraged trading or investment products, make sure you know which legal entity is providing the service and what protections apply. If the service is being offered by a tied agent in France, ask for written confirmation of the regulatory status.

Finally, start small. Even with a valid licence, we recommend testing the firm with a small amount that you can afford to lose. Monitor how deposits and withdrawals work, and keep records of all communications. If anything feels off, stop and report it to CySEC.

In FXCanary's assessment, Ayomi Financial Services Limited is not an obvious scam. It holds a valid CySEC licence, it is registered in Cyprus, and we found no evidence of cloning. The regulatory framework provides a baseline of protection, including segregation and the ICF.

But the safety picture is incomplete. The lack of independent user reviews, the weak online presence, and the unusual business model — fundraising for SMEs rather than retail trading — all mean we cannot give the firm a clean bill of health. Our Scam Risk Score of 34/100 reflects that uncertainty.

Our verdict is 'Guarded'. That means you should not assume the worst, but you should also not assume the best. Do your own verification, understand the product, and proceed with caution. If the firm cannot provide clear answers to your questions, that is your answer.