Fintech's don't report you to CRS, even ones based under banks in CRS countries

[Kakarot]

At least that's the loophole according to this guy:

 

[MurrayRothbard]

Partly true. If they force you to fill in your TIN, ITIN or whatever they will definitely report you to CRS, FATCA or Bilateral agreement they have with your country Tax Criminal a*****e Agency.

One clear example is BANKERA. Those guys force you to insert your TIN number when you signup. There are some other options where they don't force you to enter your TIN.

Yes, they could trigger it with birth date. However when they ask you about your TIN it's 100% sure they are reporting.