Fresh concerns are emerging over the operations of Creative Walker Promotion Company (CWPC) after participants reported new withdrawal restrictions that require additional deposits before they can access funds accumulated on the platform, raising fears that the suspected investment scheme may be entering its final stages.
The development comes days after Ghana’s Securities and Exchange Commission (SEC) warned the public that CWPC and Yepbit Exchange were operating as “suspected fraudulent investment schemes” and were not licensed to offer investment services in the country. The regulator also cautioned against platforms promising unusually high returns or rewarding participants primarily for recruiting others.
There are growing claims from participants that they have been instructed to deposit approximately 25 percent of the balances reflected in their accounts before they can process any withdrawals. The platform reportedly attributes the requirement to ongoing “regulatory” processes involving the Social Security and National Insurance Trust (SSNIT).
At the same time, participants claim their funds have been locked on the platform, with reported balances ranging from about GH¢900 to as much as GH¢30,000, leaving many unable to access what they believed were their earnings.
The new condition has heightened anxiety among participants, many of whom say they are no longer able to access funds they believed they had earned through the platform.
Financial crime experts have long warned that demands for additional payments to unlock withdrawals are a common characteristic of fraudulent investment operations. Such requests frequently emerge when operators face mounting liquidity pressure and struggle to meet withdrawal requests from existing participants.
The SEC’s recent advisory also warned investors to avoid schemes that depend primarily on recruiting new participants and to verify the licensing status of any investment platform before committing funds.
Industry observers say the reported withdrawal restrictions could indicate growing financial stress within CWPC’s operating model. If new deposits begin to slow while withdrawal requests increase, platforms structured around continuous inflows of new money often become unsustainable.
Although the precise financial position of CWPC remains unknown, participants have increasingly complained on social media and messaging platforms about delayed withdrawals and changing conditions for accessing their balances.
A similar situation is widely expected to unfold at Yepbit Exchange as regulatory scrutiny intensifies. Although comparable withdrawal restrictions have not yet been widely reported, concerns are growing that the platform could adopt similar measures as it comes under financial and regulatory pressure.
The Cyber Security Authority (CSA) has repeatedly cautioned that operators of fraudulent online investment schemes frequently alter their identities, rebrand their operations and employ sophisticated marketing techniques to evade detection. Between January and June 2026, the Authority recorded 352 cases of online investment fraud involving losses exceeding GH¢3.4 million.
The unfolding situation has also emphasized the need for faster law enforcement intervention.
Individuals presenting themselves as representatives of CWPC, including a man identifying himself as the company’s Marketing Director, Charles Wentworth, have reportedly claimed they are working in Ghana to resolve the platform’s regulatory challenges.
Nevertheless, investigators are likely to face hightened pressure to identify persons responsible for promoting and operating the platform in Ghana before any potential collapse complicates efforts to recover evidence or trace financial flows.
Regulatory and law enforcement agencies, including the Cyber Security Authority, the Securities and Exchange Commission, the Economic and Organised Crime Office and the Ghana Police Service, may need to intensify investigations while the operators and local promoters remain identifiable.
Experience from previous investment collapses suggests that delays in enforcement can significantly reduce the likelihood of asset recovery once operators cease communication or relocate their activities.
As concerns deepen, financial analysts continue to advise members of the public against making any further deposits into platforms that impose new payment conditions as a prerequisite for withdrawing existing balances. In many fraudulent investment schemes, such requests represent the final stage before operators disappear with investors’ funds.
With regulatory scrutiny intensifying and confidence among participants beginning to weaken, the coming days may prove decisive in determining whether authorities can intervene before another suspected online investment scheme leaves hundreds of Ghanaians with substantial financial losses.
