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Early-stage security check — honeypot & rug-pull analysis

Is FintechAI Ecosystem a Scam?

FNAEBNB Chain
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Last checked Nov 4, 2026 · 1 audit on recordNew Launch · 6d old
Chart
Medium RiskHow is this score calculated?
How the score breaks downratings: 10 is safest
Technical8/10Governance1/10Upgrades2/10Checks passed3 of 7Findings3 Medium · 5 Info8
SummaryAI Copilot

The protocol implements a standard ERC-20 token with additional minting capabilities and administrative controls.

Read the full analysis
What raised the score
  • A privileged address controls a switch that decides whether transfers go through; held by minter: Multisig
  • Mintable supply — no cap found, dilution unbounded; held by minter: Multisig
  • Ownership status UNKNOWN
  • Liquidity not locked
  • Top-10 concentration > 30%
Exact factors
  • A privileged address controls a switch that decides whether transfers go through; held by minter: Multisig
  • Mintable supply — no cap found, dilution unbounded; held by minter: Multisig
  • Ownership status UNKNOWN (owner could not be resolved)
  • Liquidity NOT locked (100% of the pool) — who holds it cannot be verified
  • Top-10 concentration > 30% (97.4% total → 32.6% effective; 0.2% in EOAs, 81.1% in contracts; 16.1% burned, locked or in pools excluded)

Each factor is an on-chain fact recorded at the time of this analysis. The score is computed from them by a deterministic function, so the same contract returns the same score for anyone who runs the audit. How scores are computed

Early-stage analysis. This token has limited on-chain history (6d old). New tokens carry elevated risk — data may change rapidly. Always verify independently before investing.

Security Checklist

as of audit · Nov 43 of 7 checks passed
Contract verifiedVerified
OwnershipUnknown
MintMintable
Liquidity lockNot locked
UpgradeabilityFixed code
HoneypotNone found
Buy / sell tax0% / 5%

Holders

as of audit · Nov 4, 2026190 holders
81.1%Contracts16.1%DEX pools2.6%
81.1%Contracts16.1%
ContractsWalletsDEX poolsEveryone elseBubble area = share of supply
97.4%of supply sits with the top 10 holders
  • Contractstreasury, vesting, bridge, staking81.1%
  • Walletsanonymous holders, free to sell0.2%
  • DEX poolsthe pools' own liquidity16.1%
  • Everyone else180 holders2.6%
Effective concentrationwhat the score reads32.6%
How holder types affect the score

Share held by contracts — treasury, vesting, bridge or staking — is discounted against share held by wallets when the score is computed: a contract cannot decide to sell the way an anonymous holder can, though it can still be drained or voted to sell. Effective concentration is the figure the risk score is actually calculated from.

Holder balances as recorded by the audit of Nov 4, 2026

Liquidity

as of audit · Nov 4$2.98M

The risk score reads depth across every pair.

LP tokensNot locked

The LP tokens of the analysed pool are not locked or burned, so whoever holds them can withdraw that liquidity.

Analysed pool$2.98MShare of depth100.0%
Top-1 Unlocked Holder99.9%
Top-3 Unlocked100.0%
Unlocked LP held by
0x0170…3bca0x6090…bbd20x0ed9…9706

Security Findings

3 Medium5 Info
Medium

Centralized Minting Control

The mint(address,uint256) function allows a privileged minter to create new tokens at will. This central authority can dilute the value of existing holdings by increasing the total supply without community oversight.CP-01

Issue

The mint(address,uint256) function allows a privileged minter to create new tokens at will. This central authority can dilute the value of existing holdings by increasing the total supply without community oversight.

Fix

Restrict the minting capability to a multi-signature wallet or replace it with a fixed supply model to ensure token scarcity and holder protection.

Status

Unresolved

Medium

Administrative Control Over Trading

The mint function includes logic that can influence the trading status of the token. This allows the controller to arbitrarily halt or enable trading, potentially trapping liquidity or preventing users from exiting their positions.CP-05

Issue

The mint function includes logic that can influence the trading status of the token. This allows the controller to arbitrarily halt or enable trading, potentially trapping liquidity or preventing users from exiting their positions.

Fix

Remove the ability for administrative functions to toggle trading status, or implement a transparent, time-locked governance process for any changes to market access.

Status

Unresolved

Medium

Liquidity not locked

0.0% of the pool's LP is burned or time-locked. 100.0% is held, unlocked, by 1 address(es) other than the owner/deployer. One of them — a contract, 0x0170…3bca — holds 99.9% and can remove that share at once; who controls it is not visible on-chain, so it is not treated as an independent provider.QA-LIQUIDITY

Issue

0.0% of the pool's LP is burned or time-locked. 100.0% is held, unlocked, by 1 address(es) other than the owner/deployer. One of them — a contract, 0x0170…3bca — holds 99.9% and can remove that share at once; who controls it is not visible on-chain, so it is not treated as an independent provider.

Fix

Check the lock's end date and beneficiary on the locker's own page before relying on it.

Status

Acknowledged

Info

Who holds the supply

The ten largest holders own 97.4% of supply. Of that, 16.1% in DEX pools — not holders that can sell, so excluded from the concentration score. What remains: 0.2% in wallets, 81.1% in other contracts. 190 holders in total.QA-HOLDERS

Issue

The ten largest holders own 97.4% of supply. Of that, 16.1% in DEX pools — not holders that can sell, so excluded from the concentration score. What remains: 0.2% in wallets, 81.1% in other contracts. 190 holders in total.

Fix

Watch the largest wallets that are not exchanges, pools or locks — those are the ones that can move the price.

Status

Acknowledged

Info

Not listed by any independent source

190 holders. Not listed by CoinGecko or any exchange GoPlus tracks. Nothing independent confirms who is behind this token, so every power its contract grants is scored at face value.QA-IDENTITY

Issue

190 holders. Not listed by CoinGecko or any exchange GoPlus tracks. Nothing independent confirms who is behind this token, so every power its contract grants is scored at face value.

Fix

Match the contract address against the project's official channels before trading.

Status

Acknowledged

Info

The market for this token

Liquidity $3.0M (DexScreener, all pools). 24h trading volume $169K (DexScreener, all pools).QA-MARKET

Issue

Liquidity $3.0M (DexScreener, all pools). 24h trading volume $169K (DexScreener, all pools).

Fix

Size any position to the liquidity and daily volume shown — they set how much you can sell and at what price.

Status

Acknowledged

Info

Asset class: Project token

A token issued by a project for use, governance or fundraising. Scored on its contract and market facts. The class itself adds no points; the contract and market facts decide the score. Basis: no class-specific evidence. Tokenomics — Supply: mintable with no on-chain cap found. Control: an owner that could not be resolved. Code: not upgradeable (no proxy). Fees: 0% on buy, 4.99% on sell. Market: $3.0M of DEX liquidity across 1 pools. Launch: 6 days of market history.QA-PROFILE

Issue

A token issued by a project for use, governance or fundraising. Scored on its contract and market facts. The class itself adds no points; the contract and market facts decide the score. Basis: no class-specific evidence. Tokenomics — Supply: mintable with no on-chain cap found. Control: an owner that could not be resolved. Code: not upgradeable (no proxy). Fees: 0% on buy, 4.99% on sell. Market: $3.0M of DEX liquidity across 1 pools. Launch: 6 days of market history.

Fix

Check the project's own documentation for what the token is used for; this report covers what the contract allows.

Status

Acknowledged

Info

Recently launched — 6 days of market history

The token's oldest DEX pool is 6 days old. Age is not part of the risk score — a new token is not a risky one by default — but a short history means fewer trades and holder changes behind the facts in this report.QA-RECENT

Issue

The token's oldest DEX pool is 6 days old. Age is not part of the risk score — a new token is not a risky one by default — but a short history means fewer trades and holder changes behind the facts in this report.

Fix

Re-check ownership, liquidity and holder distribution as the token matures; those are the facts that move early.

Status

Acknowledged

Analysis

AI Copilotas of audit · Nov 4
Executive SummaryWhat the contract is and what the review found

The protocol implements a standard ERC-20 token with additional minting capabilities and administrative controls. While the core token logic follows established standards, the presence of centralized minting and transfer-blocking mechanisms introduces significant trust requirements for token holders. Coverage includes 7.1 Architecture, 7.2 Code Security, 7.3 Access Control, 7.4 Economic, 7.5 Governance, 7.6 External, 7.7 Upgrades, and 7.8 Operations.

Technical8/10Low risk

The codebase utilizes standard OpenZeppelin libraries for ERC-20, Permit, and Burnable functionality, ensuring robust base implementation. The architecture is monolithic and straightforward, reducing complexity-related vulnerabilities. However, the minting logic relies on a single minter address, creating a single point of failure. The implementation correctly handles state changes for supply caps and standard token operations.

Governance1/10High risk

The economic model is highly centralized, granting the minter full control over supply inflation and market liquidity. The ability to toggle trading via the mint function allows for potential rug-pull scenarios or arbitrary market halts. Governance is currently non-existent, relying entirely on the minter's discretion. These factors significantly increase the risk profile for retail participants.

Upgrades2/10High risk

The contract is not upgradeable and does not utilize proxy patterns. This ensures immutability of the logic, preventing future unauthorized code changes. The lack of upgradeability is a strength for security but limits future protocol evolution. No upgrade-related risks were identified.

Final RecommendationWhat to do about this score

It is recommended to transition the minter role to a multi-signature wallet or a decentralized governance contract to mitigate the risks associated with centralized control.

Additionally, implementing a timelock for sensitive administrative actions would provide transparency and protection for token holders against sudden changes in trading status or supply.

Contract & Record

1 audit on record
TypeToken
NetworkBNB Chain
Token age6d
Contract0x8591…81af
Deployer0xb914…17a8
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Audit History
  1. Nov 4, 202655Medium

Score changes are recorded as dated snapshots — history is append-only and cannot be edited.

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