#ФинКультура разных стран очень ярко проявляется в том, как работают накопления, кредиты и сама покупка жилья. В сегодняшнем выпуске — четыре кейса из Германии, Франции, Исландии и Финляндии. А пятый — из Дании — мы разбирали в одном из предыдущих выпусков. Германия: ипотека по модели пирамиды Bausparvertrag объединяет накопления на жильё и право на будущий кредит в одном договоре. Человек заранее выбирает целевую …

Channel
Финтехно
@fintexno
On this record: Topic · Growth · Engagement · What this channel posts · Advertising · Posts · Citations · Telegram's recommendations · Cite this entry
29,466subscribers
+50 since we began measuring on 5 August 2026
Risers and fallers across the register · movement among entries of 10,000–31,623.
Register entry
| Telegram ID | -1001176102307 |
|---|---|
| Type | Channel |
| Username | @fintexno |
| Created | 17 February 2021 — measured — cross-checked against a third-party dataset (ext.tg_channel) |
| First recorded | 6 August 2026 |
| Last confirmed live | 9 September 2026 |
| Measurements held | 25 |
| Confirmed unchanged | 1 time, most recently 9 September 2026 |
| On Telegram | t.me/fintexno |
Topic
Technology — a classification, not a measurement. An on-box language model (Qwen3.6-35B-A3B-FP8, prompt version 1) read this channel’s own recent posts on 10 September 2026 and assigned it the closest of 31 fixed categories, at 67% confidence. This is a model’s judgement about what the channel is likely to be about, not a fact this register measured the way a subscriber count or a view count is measured — it can be revised on a later pass, and it carries no weight anywhere else on this page. How this classification works, and why it has no browse page of its own yet.
Growth
| Measured (UTC) | Subscribers | Change |
|---|---|---|
| 9 Sept 2026, 04:42 | 29,466 | +2 |
| 5 Sept 2026, 22:01 | 29,464 | +7 |
| 2 Sept 2026, 16:42 | 29,457 | -2 |
| 1 Sept 2026, 17:25 | 29,459 | +1 |
| 31 Aug 2026, 15:36 | 29,458 | -1 |
| 30 Aug 2026, 13:14 | 29,459 | -2 |
| 29 Aug 2026, 12:44 | 29,461 | +4 |
| 28 Aug 2026, 11:08 | 29,457 | -3 |
| 27 Aug 2026, 13:44 | 29,460 | +13 |
| 26 Aug 2026, 12:38 | 29,447 | +5 |
| 24 Aug 2026, 15:07 | 29,442 | -3 |
| 22 Aug 2026, 21:57 | 29,445 | -8 |
| 21 Aug 2026, 10:46 | 29,453 | +1 |
| 20 Aug 2026, 09:42 | 29,452 | -1 |
| 19 Aug 2026, 09:34 | 29,453 | +10 |
| 18 Aug 2026, 12:35 | 29,443 | +3 |
| 17 Aug 2026, 13:54 | 29,440 | -4 |
| 16 Aug 2026, 06:26 | 29,444 | +2 |
| 13 Aug 2026, 05:17 | 29,442 | +19 |
| 12 Aug 2026, 04:32 | 29,423 | first reading |
Engagement
138 posts held, back to 31 July 2026 — the reader has not yet reached the start of this channel’s public history, so older posts may sit further back, unread. Read across 61 pages of Telegram’s post history, 20 posts per page.
- ERR · 30 days
- 20.4%
- avg views ÷ 29,466 subscribers
- Avg views / post
- 6,010
- 103 posts measured
- Reaction rate
- —
- this channel exposes no reaction counts
- Posts in window
- 103
- of 138 held
ERR is average views per post over the last 30 days divided by subscribers, the definition TGStat uses, so this figure is comparable with the one you will see elsewhere. It falls structurally as a channel grows: a high ERR on a small channel and a low one on a large channel describe reach mathematics, not quality. We publish the figure and the sample it came from and pass no verdict on it.
ER is defined industry-wide as (forwards + reactions + comments) ÷ views — note the denominator is views, not subscribers. Telegram’s public web preview carries views and reactions but not forward or comment counts, so the reaction rate above is the reactions term only and is therefore a floor: the true ER for this channel is higher by an amount we have not measured and will not estimate.
| Window | Rolling 30 days · latest post in window 6 September 2026 |
|---|---|
| Posts held | 138 (31 July 2026 – 6 September 2026) |
| Views total | 619,530 |
| Reactions total | — |
| Forwards / comments | not exposed by the public surface — not measured, not estimated |
| Readings taken | 7 Sept 2026, 01:37 UTC |
Views are a single reading per post, taken at the time above. A post published in the last day or two is still accumulating views, which pulls the 30-day average down slightly. That is a property of the standard definition rather than a fault in it, so we keep the definition rather than “correcting” the number into something nobody can reproduce.
Precision. Telegram publishes view counts on its public widget in short form — 8.12K, 3.7M — so any reading at or above 1,000 reaches us rounded to three significant figures, and only counts below 1,000 are exact. Averages and rates derived from them are shown to the same precision rather than to the unit: a figure like 3,701,250 would assert digits nobody measured.
Reaction counts are published per emoji and rounded the same way, so a total below 1,000 is exact and a larger one is a sum that may carry a rounded component from each emoji above 1,000. Because it is a sum, it does not look rounded — read a large reaction total as three significant figures per contributing emoji rather than as the figure it prints.
What this channel posts
- Video runtime
- 1m 08s
- Average length
- 34s
Measured directly from 2 videos with a duration reading, out of the posts we hold for this channel — not this channel’s whole posting history, only the sample this register has actually read. An exact reading to the second, taken from the post itself rather than from Telegram’s own rounded chrome, so it carries no ≈ mark.
Advertising
- Ad load
- 2.17%
- 3 of 138 posts carry an ad marker
- Regulatory tokens
- 2
- posts carrying an erid · 2 distinct tokens
- Median views · ads
- 5,870
- over 3 measured posts
- Median views · rest
- 6,130
- over 135 measured posts
An ad marker, not a judgement about a post. A post is counted here because it carries one of two explicit markings: an erid token, which Russian law has required on paid placements since 2022 and which is issued against a specific advertising contract, or a #реклама / #ad hashtag in the body, which is the channel declaring it itself. The first is documentary; the second is a self-declaration and is weaker. No classifier reads the text and decides — nothing on this site guesses that a post is an advertisement.
This is a floor, and it can only ever be a floor. A channel that runs paid placements without marking them produces no marker for us to count, and an unmarked ad is indistinguishable from an ordinary post on the public surface. The ad load above therefore means “the share of posts that declared themselves”, never “the share of posts that were paid for”. A low figure is not evidence of a channel that runs few ads.
Both figures are medians, and no ratio between them is published. Each is a view reading that actually occurred on a post, picked by percentile_disc rather than averaged, so one viral post cannot move it and no interpolated value is invented between two readings. The sample on one side is under five posts, which is too thin to compare. The two figures are shown side by side with the count behind each, and deliberately not divided into a headline like “ads get x% fewer views” — an arithmetic that is easy to print and, at this sample size, means nothing.
| erid | Posts | First seen | Last seen |
|---|---|---|---|
| 2SDnjdk7xvo | 1 | 25 August 2026 | 25 August 2026 |
| 2VtzqwBAJD1 | 1 | 1 September 2026 | 1 September 2026 |
A token repeated across several posts is one advertising contract placed more than once, which is what the identifier is for. The strings are reproduced exactly as they appeared in the post or in its click-through URL and are not validated against any registry — we record the marker a channel published, and whether it resolves to a real contract is a question for the register that issued it.
Measured over the 138 most recent posts we hold, published 31 July 2026 to 6 September 2026. Views are the latest single reading held for each post, and any reading at or above 1,000 is rounded by Telegram to three significant figures.
Recent posts
Швейцарский банк для бизнеса Incore пилотирует ИИ-агентов на базе моделей Gemini для онбординга новых корпоративных клиентов — совместно с Kyndryl и Google Cloud. Они собирают данные о компании, сверяют их с внутренними и внешними источниками, выделяют факторы риска и формируют оценку с доказательной базой. Заявленная точность распознавания и извлечения данных — 99%, итоговое решение остаётся за человеком. Incore об…
KPMG выпустили большой отчёт про инвестиции в финтех в первом полугодии. За этот период рынок привлёк $103,1 млрд против $72,2 млрд во втором полугодии 2025-го, но число сделок сократилось с 2,5 тыс. до 2,1 тыс. Топ-10 сделок забрали $64 млрд, или 62% всего капитала, а M&A обеспечили $67,9 млрд — около двух третей рынка. Похожую картину мы недавно разбирали на базе исследования CB Insights. Покупатели и инвесторы го…
Не всем странам цифровая нацвалюта одинаково полезна: Австралия отказалась от CBDC для розницы. Резервный банк страны пришёл к выводу, что действующая платёжная система достаточно хорошо обслуживает людей и компании, поэтому убедительных оснований для розничной цифровой валюты сейчас нет. Вместо этого регулятор проверит, можно ли соединить токенизированные платформы с уже существующими цифровыми резервами банков. В …
Банк России поделился трендами платёжных операций во втором квартале. Активно идёт перестройка рынка: деньги свободнее перемещаются между банками, платёжный интерфейс уходит в кошельки и приложения, а карты постепенно превращаются из продукта в технический инструмент доступа к счёту. Главное ⬛️ Ключевая функция СБП — перенос собственных денег между банками: через систему проходит 55% переводов людей, но почти полов…
Американский Office of the Comptroller of the Currency условно одобрил заявку на создание Revolut Bank US, N.A. — полностью цифрового банка со штаб-квартирой в Стамфорде. Это важный этап, но не гарантированный финал. Условное одобрение значит, что предложенную модель банка можно реализовывать, если Revolut выполнит требования лицензии. Теперь компании необходимо капитализировать американский банк, сформировать совет…
В первом полугодии крупные криптосервисы и их пользователи столкнулись с 211 хакерскими атаками — в 2,5 раза больше, чем годом ранее, посчитали в «Шард». При этом совокупный ущерб снизился с почти $2,1 млрд до $1,3 млрд. То есть атак стало существенно больше, но в деньгах полугодие оказалось менее разрушительным. Статистика TRM Labs подтверждает сам тренд, хотя цифры из-за различий в методике несколько иные: 207 инц…
Британский регулятор оштрафовал лондонский филиал Citibank на £4,73 млн за 970 операций на £19,72 млн. Большинство нарушений пришлось на февраль-ноябрь 2022 года и связаны с российскими санкциями. Citi не пытался сознательно обходить ограничения и самостоятельно раскрыл большую часть эпизодов, но регулятор признал совокупность нарушений серьёзной. Кейс наглядно показывает, как санкционный контроль крупного междунаро…
В первом полугодии 2026 года объём российского венчурного рынка сократился на 62% год к году — до $29,3 млн, число сделок — на 35%, до 35. Медианный чек упал почти втрое, с $600 тыс. до $210 тыс. То есть типичный стартап стал получать значительно меньше денег. Спад затронул всю инвестиционную воронку: 🔽 Посевная стадия — 15 сделок на $2,2 млн против 22 сделок годом ранее. 🔽 Ранняя — 10 сделок на $10,4 млн против 1…
Цифровой рубль может ежегодно отнимать у банков более 100 млрд рублей эквайрингового дохода, посчитали в НРА. Это случится, если новая форма нацвалюты займёт около 14% безналичного оборота. ▶️ Базовый сценарий предполагает долю 15–24% через пять—семь лет, возможный диапазон — от 5% до 30%. ▶️ Переток обязательств банков на платформу ЦБ может достигать 1–1,5 трлн рублей ежегодно, а за пять лет — не менее 10% нынешне…
Мировые банки пытаются перенести привычные деньги в публичные блокчейны раньше, чем расчёты, ликвидность и доход от резервов окончательно закрепятся за небанковскими эмитентами. Для этого они запустят стейблкоин, обеспеченный долларовыми резервами в соотношении 1:1, а позже могут появиться токены в евро и других валютах Большой семёрки. До конца этого года появистя СП, а в 2027 — сам стейблкоин. В совместном предпри…
ВЭБ.PФ переходит от отдельной аналитической функции к совместной экспертизе со Сбером. Главным экономистом назначен Александр Исаков, руководитель Центра макроэкономических исследований Сбера. В ВЭБе он будет отвечать не только за прогнозы и доклады, но и за макроэкономическую экспертизу крупных инвестиционных проектов: оценивать, насколько они жизнеспособны с учётом ставок, спроса, рынка труда и долгосрочных изменен…
Showing the 12 most recent of 138 posts we hold for @fintexno. View and reaction counts are the latest single reading for each post, not a live figure, and a recent post is still accumulating both. A view count marked ≈ was rounded by Telegram before we ever saw it — t.me prints views in full below 1,000 and to three significant figures above, so ≈1,200,000 means somewhere between 1,150,000 and 1,249,999. Unmarked counts are exact. Text is reproduced from the public post preview and truncated for length.
Forward network
Republished by
Channels on the register that have forwarded this channel's posts into their own feed.
@paymentguru · 274 postsМаркетинг для БФЛ-юристов
@marketing_dlya_bfl_uristov · 1,3593 postsИнвестиции в МФО, коллекторские агентства и другие варианты получения хорошего стабильного пассивного дохода с капитала.
@tvoj_passivnyj_dohod · 4053 postsdonottapthecat
@donottapthecat · 362 postsСтанислав Акулинкин
@iqlinkin · 7832 postsЭто безналичное
@money_magic · 62 postsПраво 256
@pravo256 · 7332 postsДеньги Верните !
@DengiVernite · 1,9121 postEXBiCO
@ebc_system · 1,6121 postInFinITy: про ИТ в финансах
@fin_IT_y · 3061 postGrows 🛑 PROJECT IS CLOSED
@growsapp · 5661 postМагистр Йода
@MagistrYodaChan · 721 postМама, я теперь СЕО| Подкаст Чехерия Георгия
@mamaceonow · 8801 postMarketRadar
@MarketRadar · 81 postФИНОРМА_NEWs
@oi7cTB6YFXk2ODUy · 2491 postПолитика на каблуках
@political_heels · 1991 postВзгляд инвестора
@sabinvestor · 1121 post
Republishes
Channels on the register whose posts this channel has forwarded.
Built only from forwarded posts we have actually read, on both sides. Coverage is early and deliberately incomplete: a missing link means we have not read the post that would prove it, never that the relationship does not exist. Counts are distinct forwarded posts observed, so they only ever go up as we read more.
Mentions
Named by 21 registered channels — every channel on the register whose own posts have named this one, by its current username or any other username it currently holds, merged from two separately captured readings of the same fact so a namer caught by only one of them is not missed and a namer both caught is not counted twice. A username this channel has since dropped is not matched — that handle may belong to someone else now, and crediting today’s namer to yesterday’s owner would misattribute it.
Named by
Channels on the register whose posts name this channel's handle.
@money_magic · 62 postsARMA-Crypto
@ArmaCrypto · 8961 postДайджест
@blogbankir · 78,1451 postДБ (с)
@DB_politics · 2,3811 postdev warrior
@devwarrior · 1281 postЭкономика и политика 📊
@dmeconomics · 11 postРыночные отношения | Анастасия Пузанова
@financialrelations · 1181 postБанковский UX
@fintech_ux · 4211 postGrows 🛑 PROJECT IS CLOSED
@growsapp · 5661 postСтанислав Акулинкин
@iqlinkin · 7831 postМагистр Йода
@MagistrYodaChan · 721 postМама, я теперь СЕО| Подкаст Чехерия Георгия
@mamaceonow · 8801 postМаркетинг для БФЛ-юристов
@marketing_dlya_bfl_uristov · 1,3591 postФИНОРМА_NEWs
@oi7cTB6YFXk2ODUy · 2491 postПЛАТЕЖИ - НАСТОЯЩЕЕ и БУДУЩЕЕ
@paymentguru · 271 postПраво 256
@pravo256 · 7331 postВзгляд инвестора
@sabinvestor · 1121 postZERGULIO
@SergeyKolyasnikov · 444,1241 postИнвестиции в МФО, коллекторские агентства и другие варианты получения хорошего стабильного пассивного дохода с капитала.
@tvoj_passivnyj_dohod · 4051 postСЕЛЕКЦИЯ 7.0: От собирательства до цифровых технологий
@zolotokolosa · 3081 postЗапорожец
@ZP_govorit · 2931 post
Names
Channels on the register whose handles appear in this channel's posts.
A mention is a weaker signal than a forward and is counted separately for that reason — naming a channel is not republishing it, and a handle in a post body is easy to place deliberately. The post counts beside each row below are distinct posts in which the handle appeared, from posts we have read on both sides — the “Named by N registered channels” figure above is a different count, of distinct NAMING CHANNELS rather than posts, and is not the sum of the rows under it.
Channels Telegram recommends alongside this one
Telegram’s own answer, not this register’s. When this register asks Telegram’s API what is similar to this channel, this is the list it returns, in the exact order Telegram returns it — never re-sorted by subscribers or by anything else this register measures. The relationship, and the order, are Telegram’s; we record them and date them, and make no claim of our own about which of these channels actually resemble this one.
@frank_media · 31,824#1
@fintechassociation · 16,197#2
@MarketOverview · 46,231#3
@heads_ecosystem · 11,010#4
@centralbank_russia · 244,206#5
@sbmarketing · 6,664#6
@bosferanews · 5,446#7
@markettwits · 335,855#8
@cardreview · 3,369#9
@svobodakassa · 31,490#10
@plusjournal · 6,887#11
@sale_caviar · 192,824#12
@trubapodneglinnoy · 135,326#13
@tbank · 331,170#14
@alfabank · 1,001,494#15
@Theedinorogblog · 42,325#16
@kommersant · 291,151#17
@disruptors_official · 72,429#18
@fichism · 25,390#19
@lider · 168,133#20
@antidigital · 24,426#21
@bitkogan · 260,424#22
@tb_invest_official · 529,931#23
@finopolis_2025 · 3,484#24
@startupoftheday · 59,792#25
@finpizdec · 54,960#26
@it2b_channel · 17,921#27
@cbrstocks · 117,752#28
@sberbank · 701,742#29
@npaed · 2,920#30
@expertosphere · 29,692#31
@IT_picnic · 23,353#32
@russianmacro · 102,860#33
@Fintrium · 9,839#34
@vedomosti · 86,062#35
@bankfloorbelow · 931#36
@groks · 43,067#37
@KolesnikovBoyz · 1,396#38
@fm_invest · 10,145#39
@banksta · 437,929#40
@bbbreaking · 1,971,604#41
@bankrollo · 454,153#42
@mash · 3,103,309#43
@markswebb · 4,987#44
@vcnews · 111,737#45
@rbc_news · 902,773#46
@telecommunal · 43,253#47
@moscowmap · 2,687,588#48
@meduzalive · 1,112,623#49
@kontext_channel · 828,698#50
@nomenclatura · 57,410#51
@ejdailyru · 644,713#52
@insect_life · 191,896#53
@rusven · 24,754#54
@ftsec · 19,404#55
@bloodysx · 1,158,034#56
@minpravda · 62,204#57
@forbesrussia · 235,531#58
@thebell_io · 105,372#59
@temalebedev · 968,830#60
@hikollegi · 56,245#61
@vacanciesbest · 161,532#62
@YANfintech · 4,990#63
@exploitex · 2,015,674#64
@smmrus · 125,245#65
@betternotworse · 28,578#66
@headlines_for_traders · 115,458#67
@auantonov · 321,605#68
@Perforum_jobs · 15,910#69
@mintsifry · 235,894#70
@rb_ru · 378,130#71
@YakovPartners · 20,423#72
@zamesin · 49,989#73
@aaaredmarketing · 277,789#74
@whackdoor · 1,609,139#75
@sncmag · 300,967#76
@d_code · 391,658#77
@h1ghl1ghts · 68,198#78
@rozetked · 659,047#79
@t_bank_data · 17,328#80
@pezduzalive · 373,275#81
@addmeto · 71,899#82
@ventureinpics · 11,222#83
@russicaru · 425,123#84
@blockchainRF · 20,094#85
@temno · 79,898#86
@gopractice · 29,071#87
@edtexno · 21,264#88
@prbezposhady · 151,585#89
@imceobeach · 65,694#90
@ruspm · 25,209#91
@bazabazon · 1,537,703#92
@a_vyshinskiy · 58,985#93
@businessincognita · 23,320#94
@yurydud · 863,811#95
@forproducts · 69,354#96
Read from Telegram’s recommendation API, most recently 8 September 2026. Telegram holds a list like this for a small and growing share of the register — how this is measured, and why most channel pages show nothing here.
Appears in Telegram’s recommendations for other channels
The reverse of the list above, and a different kind of signal. This does not require this channel to have ever been asked about directly — each row below is a channel we DID ask Telegram about, whose Telegram-generated list happened to include this one. A channel can appear here with an empty list above it, because being named by someone else’s query is independent of having been queried itself.
@frank_media · 31,824
Telegram ranks this channel #6 of 95 here — alongside 94 others — read 5 September 2026
@market_hand · 30,521
Telegram ranks this channel #10 of 98 here — alongside 97 others — read 7 September 2026
@karaulny_accountant · 92,018
Telegram ranks this channel #14 of 93 here — alongside 92 others — read 17 August 2026
@MarketOverview · 46,231
Telegram ranks this channel #15 of 93 here — alongside 92 others — read 27 August 2026
@bankiruofficial · 57,699
Telegram ranks this channel #15 of 85 here — alongside 84 others — read 23 August 2026
@svobodakassa · 31,490
Telegram ranks this channel #17 of 98 here — alongside 97 others — read 6 September 2026
@minpravda · 62,204
Telegram ranks this channel #19 of 91 here — alongside 90 others — read 22 August 2026
@tochka · 54,966
Telegram ranks this channel #20 of 92 here — alongside 91 others — read 23 August 2026
@ruproprom · 39,665
Telegram ranks this channel #22 of 93 here — alongside 92 others — read 30 August 2026
@expertosphere · 29,692
Telegram ranks this channel #23 of 99 here — alongside 98 others — read 8 September 2026
@trubapodneglinnoy · 135,326
Telegram ranks this channel #24 of 93 here — alongside 92 others — read 13 August 2026
@spravochnaya · 45,750
Telegram ranks this channel #28 of 96 here — alongside 95 others — read 27 August 2026
@KotElviry · 48,027
Telegram ranks this channel #30 of 97 here — alongside 96 others — read 26 August 2026
@centralbank_russia · 244,206
Telegram ranks this channel #30 of 92 here — alongside 91 others — read 11 August 2026
@tethis · 42,002
Telegram ranks this channel #34 of 95 here — alongside 94 others — read 29 August 2026
@MoexFinuslugi · 48,912
Telegram ranks this channel #35 of 82 here — alongside 81 others — read 25 August 2026
@izhs_channel · 32,921
Telegram ranks this channel #37 of 96 here — alongside 95 others — read 4 September 2026
@mts_bank_official · 47,520
Telegram ranks this channel #37 of 82 here — alongside 81 others — read 26 August 2026
@nomenclatura · 57,410
Telegram ranks this channel #39 of 98 here — alongside 97 others — read 23 August 2026
@h1ghl1ghts · 68,198
Telegram ranks this channel #41 of 96 here — alongside 95 others — read 22 August 2026
@yandexfintech · 180,094
Telegram ranks this channel #42 of 88 here — alongside 87 others — read 12 August 2026
@recyclemagru · 58,054
Telegram ranks this channel #46 of 93 here — alongside 92 others — read 23 August 2026
@telecommunal · 43,253
Telegram ranks this channel #47 of 93 here — alongside 92 others — read 28 August 2026
@sovcombankofficial · 43,574
Telegram ranks this channel #49 of 73 here — alongside 72 others — read 28 August 2026
This channel appears in 41 seed channels' Telegram-generated recommendation lists in total, of which the 24 where it ranks highest are shown above. Each is Telegram’s list for THAT channel, not this one — see how this is measured.
Cite this entry
A live page changes as we take new readings, so a citation should name the measurement it is based on, not just the URL. The line below cites the subscriber count as measured 9 September 2026 — this entry's latest reading, not the date you are reading this.
“Финтехно” (@fintexno), 29,466 subscribers as measured 9 September 2026. Telegram Register, tgregister.com/channel/fintexno.
Full measurement history, CC BY 4.0. Every reading this register holds for this entry, not just the latest one, as a dated, downloadable record: CSV · JSON. Free to use with attribution to tgregister.com. Each file carries its own generation timestamp, which is the figure to cite for exactly when the data was retrieved.