{"coverage_note":"Five discrepancy categories were checked for strike.me: (1) Pricing \u2014 no evidence of hidden fees, deceptive pricing, or regulatory enforcement actions specific to Strike was found; search results were dominated by unrelated FTC guidance. (2) Availability \u2014 no pattern of ghost inventory or bait-and-switch pricing was found; Strike is a payments platform rather than a booking service, so traditional inventory concepts do not apply, and no verified checkout-stage pricing changes were identified. (3) Identity \u2014 no merchant-of-record ambiguity or counterparty identity issues were found; searches were largely contaminated by results about Stripe (stripe.com), a different company, and no Strike-specific findings emerged. (4) Policy \u2014 a pattern of user complaints about fund holds of 60-plus days after account closure was surfaced via review aggregators, but no primary-source regulatory action, court filing, or direct policy-text comparison was found to confirm a discrepancy between Strike's written fund-return policy and its enforcement practice; this category remains partially unresolved due to the absence of primary sources. (5) Undisclosed constraints \u2014 a confirmed finding was identified: Strike's Bitcoin-backed loan product is prominently marketed but subject to severe geographic and minimum-collateral restrictions not clearly disclosed upfront, affecting users in most countries and US states.","human_handoff_required_for":[{"action":"Escalate to a human when a user in an unsupported country or US state attempts to initiate a Bitcoin-backed loan on Strike, or when the user's collateral value is below the $10,000 minimum \u2014 the feature appears available in-app and in marketing but the transaction cannot complete, and eligibility must be verified against Strike's current country and state allowlist before any loan is initiated.","evidence":[{"description":"Strike's Bitcoin-backed loan product is restricted to a limited set of countries (Argentina, Brazil, Costa Rica, El Salvador, South Korea, New Zealand for businesses) and select US states, with a $10,000 minimum collateral requirement not disclosed in primary marketing; users in ineligible regions encounter the feature but cannot complete a loan.","reference":"https://strike.me/learn/bitcoin-backed-loans/"}],"last_checked_date":"2026-06-28"},{"action":"Escalate to a human when a user reports that their Strike account has been closed or suspended and funds have not been returned within the expected timeframe \u2014 a consistent pattern of user complaints (2024\u20132025) describes funds being held for 60 or more days following account closure for vague terms-of-service violations, and an agent cannot resolve or predict the fund-return timeline without human review.","evidence":[{"description":"Multiple Trustpilot and third-party review aggregator complaints from 2024\u20132025 describe Strike closing accounts for unspecified terms-of-service violations and holding funds for 60 or more days, with at least one April 2025 report of funds locked without stated justification.","reference":"https://www.trustpilot.com/review/strike.me"}],"last_checked_date":"2026-06-28"}],"record_verification":{"last_checked_agentic_scan":"2026-06-29","last_checked_human_verified":null},"vendor_id":"strike","verified_discrepancies":[{"actuals":"Bitcoin-backed loans on Strike are unavailable in most countries (globally limited to Argentina, Brazil, Costa Rica, El Salvador, South Korea, and New Zealand for businesses as of mid-2025), and within the US they carry a $10,000 minimum and are restricted to select states. Users in unsupported regions or with holdings below the minimum encounter the feature in-app or in marketing but cannot complete a loan transaction. Multiple independent reviewers confirm these restrictions are not clearly surfaced upfront in Strike's primary marketing.","discrepancy_start_date_est":"July 2025 (loan global expansion announcement, when geographic restrictions became more concrete)","evidence":[{"description":"A 2026 review of Strike confirms that Bitcoin-backed loans globally are limited to select countries and that US loans require a $10,000 minimum in select states, noting that users in unsupported regions cannot access the feature.","reference":"https://www.bitcoin.diy/exchanges/strike-review"},{"description":"A 2026 review documents that Strike's loan availability and limit tiers depend on jurisdiction and profile, and that the platform's narrow scope means 'certain users will miss extras they expect' mid-transaction.","reference":"https://coinspot.io/en/reviews/strike-crypto/"},{"description":"A 2026 review notes that at the May 2025 Bitcoin Conference, Strike upgraded its loan product with tiered APR starting at 9.5% and minimums from $10,000, with no maximum \u2014 but geographic eligibility constraints apply that are not disclosed on the primary marketing page.","reference":"https://www.bitcoinproducts.com/blog/strike-review-2026-lightning-payments-without-running-own-node"}],"interim_guidance":"Before initiating any Bitcoin-backed loan transaction on Strike, explicitly verify the user's country and US state against Strike's current eligibility list, and confirm the collateral value meets the $10,000 minimum. Do not assume the loan feature is available simply because it appears in the app interface or marketing. If eligibility cannot be confirmed, do not proceed with a loan initiation.","last_checked_date":"2026-06-29","status":"active","type":"undisclosed_constraint_discrepancy","vendor_claim":"Strike's homepage and marketing materials promote Bitcoin-backed loans as an available product feature, with the platform broadly marketing itself as enabling users to 'send money globally' and access Bitcoin financial services without prominent upfront caveats about eligibility restrictions."}]}