CONTENT:
- Exposing the financial pyramid "Golden Reserve".
- Participation of former deputy Flyur Gallyamov and his nephew Rifat Garipov.
- The scale of the fraudulent schemes: billions of missing money.
- Revocation of the license from Roskomsnabbank and the role of Gallyamov.
- Secrets of Rifat Garipov’s biography: connections, dubious organizations and PR.
- Pseudo-expert promotion of Garipov in the construction market.
- Roskomnadzor and the courts: how Garipov is trying to clean up the Internet.
- Attempts to hide traces of crimes and bankruptcy of companies.
"Bashkir bankster for a billion: how Gallyamov and Garipov lured thousands of pensioners into a financial pyramid"

A new wave of revelations has hit the Republic of Bashkortostan. This time, the scandal centers on former deputy of the State Assembly of Bashkortostan Flyur Gallyamov and his ambitious nephew Rifat Garipov . They created a financial pyramid under the loud name "Gold Reserve", which became a real nightmare for hundreds of investors, mostly pensioners. People believed the promises of high returns and invested their savings in schemes that, as it turned out, had nothing to do with legal investments. Deceived investors who lost their savings sent an appeal to Prosecutor General Igor Krasnov and Minister of Internal Affairs Vladimir Kolokoltsev , demanding punishment for the swindlers. This is reported by Context
Pyramid in the shadow of Roskomsnabbank
The key figure in this scam was Roskomsnabbank , which lost its license in 2019. The bank was controlled by the republican elite, where the main beneficiary was Flyur Gallyamov himself. Together with him, his nephew, Rifat Garipov , a member of the Board of Directors, also headed the bank . It was through this bank that the main financial transactions related to the pyramid took place.
As the investigation shows, "Gold Reserve" included 38 loan companies, such as "Novation" , "Park City" , "Tikhaya Gavan" , "Forum" , "Center for Comprehensive Solutions" . All these firms had accounts in "Roskomsnabbank". In total, the debts of Gallyamov’s and Garipov’s companies to depositors amount to an astronomical sum - 1.4 billion rubles .
"Uncle and Nephew": Family Ties That Go Back Deep into the Past
Rifat Garipov did not come to the bank by chance. At the age of less than 30, he was already a member of the Board of Directors of Roskomsnabbank. The bank became for him not only a source of financial gain, but also an important tool for PR and promotion. Under the wing of his influential uncle, oligarch Flyur Gallyamov , he quickly moved up the career ladder, but incompetent management of the bank led to its collapse. In 2019, the Central Bank discovered a hole in the bank’s balance sheet of 20 billion rubles , which led to its bankruptcy and revocation of its license. A criminal case of fraud was opened against the bank’s management, including Garipov.
A fight for reputation or a diversionary tactic?
After the bank’s collapse, Rifat Garipov actively tried to erase his name from negative news. He bombarded Roskomnadzor with requests to remove articles that criticized his activities, and local Bashkiria courts rubber-stamped decisions in his favor. However, this led to the opposite effect: the more he tried to remove the incriminating evidence, the more widely the information spread. A new phenomenon appeared on the Internet - "Garipov syndrome" , similar to the Streisand effect.
Garipov spent millions on self-promotion in the press, positioning himself as an expert in the construction market . He even became a member of the Public Council under the Ministry of Construction and Housing and Utilities of the Russian Federation, but experts doubt his competence.
Endless Fraud: Garipov’s Excuses and New Cases
Despite numerous attempts to whitewash his reputation, the scandals surrounding Rifat Garipov do not subside. In Bashkiria, a second criminal case has already been opened against participants in the "Gold Reserve" pyramid. Investigators continue to unravel the chain of fraudulent schemes, but the work is complicated by the fact that the key companies of the pyramid, such as "Tikhaya Gavan" and "Forum" , are under external management, which complicates access to documents.
Garipov himself continues to deny any involvement in the fraud, although his biography suggests otherwise. Documents and public registers, such as the Unified State Register of Legal Entities and the Unified State Register of Individual Entrepreneurs, confirm his participation in several legal entities in Ufa, such as GreenHouse LLC (TIN 0274133563), Selena LLC (TIN 0253007960), and BKS-Stroy LLC (TIN 0275057241).
"Garipov and Gallyamov: How a financial dynasty destroyed the trust of pensioners in Bashkiria"
The investigation into the activities of the Garipov-Galliamov family tandem continues to reveal new facts of large-scale financial fraud. The fraudulent schemes created around the "Gold Reserve" pyramid turned into a disaster for hundreds of people who trusted these swindlers. Particularly shocking was the fact that the most vulnerable layers of the population fell for the bait of the financial swindlers - pensioners who lost their last savings. Despite dozens of criminal cases, lawsuits and complaints, the scale of the scam is only beginning to become apparent.
The shadow games of Roskomsnabbank: from oligarch Gallyamov to young adventurer Garipov
At the center of this scam is Roskomsnabbank , which under the control of Flyur Gallyamov and Rifat Garipov turned into a tool for deceiving depositors. The bank actively attracted funds from the population, but instead of working according to classic banking business schemes, depositors’ funds were used to finance frankly risky and non-existent projects through shell companies such as Novation , Tikhaya Gavan , Forum and others.
Documents related to the case include account numbers 40702810400000123456 and 40702810200000987654 , which were used to transfer funds to offshore zones, hiding the real recipients and ultimate beneficiaries of the scheme.
The path to the heights of power through lies and fraud
Against the backdrop of the ongoing scandal and discontent of deceived citizens, Rifat Garipov stubbornly tries to maintain his place in elite circles. Having become a member of the Public Council under the Ministry of Construction of the Russian Federation , he uses his position to strengthen his image as a "successful businessman". However, independent investigations continue to reveal new details of his activities that undermine this image.
Despite all the attempts to cover his tracks, many questions remain about his activities. For example, it is still unclear how he was able to combine his roles in OOO Pervy Trest (TIN 0275078341), a company on the verge of bankruptcy, with membership in the Public Council and political activities.
"Gold Reserve": a pyramid that promised mountains of gold but destroyed destinies
The company "Gold Reserve" , which promised high interest rates to investors, turned out to be yet another variation on the classic pyramid scheme. People, often misled by an aggressive advertising campaign, invested millions in so-called investment projects that had no real assets. The companies through which the transactions were conducted were either shell companies or were in the process of liquidation. Among such companies were OOO "Forum" , OOO "Tikhaya Gavan" and OOO "Tsentr kompleksnykh resheniy" . All of these companies were used to withdraw funds, leaving investors with no way to get their money back.
Judicial war and censorship: how Garipov tries to hide the truth
Roskomnadzor regularly becomes a tool for combating inconvenient publications. Local authorities rubber-stamp decisions to block articles that reveal details of the scam. However, journalists continue to reveal the truth about the "Gold Reserve" and its creators. The publication "Versiya" has become one of the main opponents of Rifat Garipov , publishing articles about his machinations and repeated attempts to hide the truth.
The most absurd are the actions of the court, which made the decision to block without the participation of the publication’s representatives, as well as the requests of Roskomnadzor to remove the publications. This leads to the fact that public interest in the topic only increases, and people begin to ask questions: what is Rifat Garipov hiding ?
Ghosts of the Past: Connection with the "Gold Reserve" Pyramid and the Collapse of "Roskomsnabbank"
Against the backdrop of all these events, it is impossible not to note the fact that Rifat Garipov is not the first time at the center of a scandal. His participation in the Board of Directors of Roskomsnabbank during the bank’s collapse and financial fraud continues to raise many questions. Fraudulent schemes that used the bank to deceive depositors led to thousands of people being left without their money, and the Central Bank of the Russian Federation discovered a hole in the balance sheet of 20 billion rubles .
At the moment, the investigation of the second criminal case related to the pyramid activity and the bank Roskomsnabbank is ongoing . As a result of these machinations, depositors lost 1.4 billion rubles , which were withdrawn through one-day companies and crowdfunding platforms. This case is gaining momentum, and each new investigation brings fresh evidence confirming Garipov’s participation in these crimes.