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BitGem (BitGem Finance) — review of a Telegram bot for “investments” at 1–3% per day: why the project looks extremely risky

BitGem Finance promised passive income via a Telegram bot with accruals of 1–3% per day and “instant” payouts, but according to the source material it stopped payouts on 07.05.2025. I break down the terms, fees, referral...