The Cold-Blooded Syndicate Targeting the World’s Most
Vulnerable
A Deceitful Rebranding — and a 14-Year Trail of Financial Devastation
In the shadowy underworld of global financial services, few entities have perfected the art of
deception like BreadX Pay. What appears on the surface as a modern cross-border payments
firm is in fact a long-running fraud syndicate, one that has metastasized through false
corporate fronts, shell companies, and puppet directors.
At the helm of this hydra is a deeply connected and morally bankrupt network of individuals
whose operations stretch across Canada, the UK, Israel, and the United States — and whose
primary victims are elderly, unsophisticated, and financially vulnerable individuals,
stripped of their life savings under the illusion of “borderless banking.”
The Puppet Master: Joshua Sneider
Make no mistake — Joshua Sneider is not just involved. He is the strategic brain, the
architect, and the true owner of BreadX Pay. From the shadows, Sneider designs the technical
infrastructure, coordinates the legal façades, and gives orders to the so-called directors. He has
operated under aliases, proxy shareholders, and ghost partners — all while remaining the
untouchable kingpin behind the scenes.
Those who’ve crossed paths with Sneider in Israel’s crypto and binary options underworld know
his calling card: create a false sense of legitimacy, attract unsophisticated victims with
aggressive marketing, and move funds through opaque jurisdictions before regulators catch up.
Targeting the Elderly: A New Low
BreadX Pay and its predecessors specialize in onboarding retired individuals, often lured in by
the promise of higher yields, “secure e-wallets,” or early-stage investment opportunities. They
are told they’re partnering with a global fintech leader. What they don’t realize is that:
- Their funds are routed through unregulated offshore entities.
- No genuine e-money safeguarding exists.
- Chargebacks are stonewalled.
- Withdrawals are delayed indefinitely — or never honored.
These elderly victims often do not understand the red flags. They don’t have legal support. And
BreadX preys on that weakness with precision.
The U.S. Funnel: Eric Harbor and Tolida Enterprises
Eric Harbor, operating through Tolida Enterprises Ltd in Delray, Florida, is the smiling face
that seals the trap. He doesn’t just onboard merchants — he recruits victims, knowingly sending
them into the BreadX ecosystem under false promises of regulation and security.
Through slick presentations and phony legalese, Eric channels Americans — particularly retirees
and first-time online investors — into the BreadX scam. He presents himself as a fintech
intermediary, but in reality, he’s the U.S. laundering conduit, turning legitimate-looking
merchant onboarding into full-blown financial entrapment.
The Matriarch of Fraud: Lorna McCairley Perets
Lorna McCairley Perets, age 70, has spent the last decade signing off on companies she does
not truly manage. She is the face on the paperwork, the shield between regulators and the
real perpetrators.
BreadX Pay is merely the latest in a string of companies where Lorna has served as “director” —
a position in name only. Her role is to absorb liability, feign legitimacy, and allow men like
Sneider and Harbor to operate from the shadows.
But now it is clear: Lorna is no clueless placeholder. She is a knowing enabler, the linchpin of
the group’s ability to dodge scrutiny and continue operating with impunity.
Grooming the Next Generation: Gal Arie and LeAnne McCairley Wiezman
The fraud doesn’t stop with the current generation. Lorna’s children, Gal Arie and LeAnne
McCairley Wiezman, are already playing active roles in the BreadX machine.
- Gal Arie, posing as a crypto expert, interfaces with shadowy token platforms and helps
channel illicit crypto into BreadX’s fiat gateways. - LeAnne Wiezman, styled as “Head of Client Services,” is the one who answers (and oft
n silences) complaints from defrauded merchants and investors.
Together, they represent the continuity of this criminal enterprise — ensuring the
machine keeps turning even if older operators exit the stage.
The Fraud Model: How BreadX Recycles Crime
- Fake Legitimacy: Register a company in Canada or the UK. Hire a puppet director.
- Merchant Trap: Funnel clients in via U.S. and EU agents like Eric Harbor.
- Elder Targeting: Advertise “safe e-wallets” and “protected accounts” to retirees.
- Fund Laundering: Route deposits through a web of banks, EMIs, and shell accounts.
- Silence & Delay: Prevent withdrawals with paperwork, stall tactics, or account
terminations. - Rebrand and Restart: When scrutiny comes, rebrand. Start again. Repeat.
This isn’t fintech. It’s financial terrorism against the elderly and underbanked.
The Legal and Criminal Implications
BreadX Pay and its core network are now under scrutiny for:
- Operating without proper licensing in the EU, UK, and Canada
- Using false documentation to onboard merchants
- Committing cross-border wire fraud
- Violating anti-money laundering (AML) rules
- Systemic elder financial exploitation
If authorities act — and they must — these individuals could face serious criminal charges,
including fraud, racketeering, and conspiracy to defraud.
Investigators Closing In
According to confidential sources, multiple private investigative firms — hired by defrauded
victims and whistleblowers — are in the final stages of preparing full case files on the BreadX
Pay operation. These files are being compiled for submission to both the U.S. Federal Bureau
of Investigation (FBI) and the Israeli Ministry of Finance’s Enforcement and Investigations
Department, where several of the key players — including Joshua Sneider — are believed to be
based. Investigators have gathered communications, shell company linkages, evidence of
intentional misrepresentation, and testimonial affidavits from affected elderly victims and
merchants. Once these dossiers are formally submitted, the network behind BreadX Pay could
face coordinated multi-jurisdictional legal action.
Final Warning to the Public and Regulators
Every day BreadX Pay remains operational, another elderly victim loses their life savings,
another small merchant sees their funds vanish, and another regulator is deceived.
This is not just a scam. It is a transnational financial crime family, weaponizing technology,
exploiting trust, and erasing accountability. And unless action is taken soon, they will grow
bolder, richer, and harder to stop.