Exposing spam, fraud, corruption, censorship, and propaganda

“Andrew” Ryan Rafols

A.k.a. Andrew Ryan, Ryan Rafols, Ryan Andrew Rafols, Andrew Rafols
Conman, Fraudster, Spammer / Male / Center-Right

“Andrew” Ryan Rafols is a center-right Conman and Fraudster and Spammer who is a citizen of United States, and has been associated with the following entities as either a significant contributor, participant, promoter, or beneficiary, according to our OSINT research:

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Public references:

This Austin accelerator made big claims; employees and customers say it didn’t deliver … using



promoting himself as a missile defense engineer


City calls for help with redistricting

The speaker in the video is Ryan Rafols, who was a student commissioner on the Independent Citizen Redistricting Commission


*If we haven’t met and you want to connect, please send me an InMail or a message with your connection request* I’m the founder and CEO of Newchip, a FinTech marketplace that is reinventing the global investment landscape. We bring new investment opportunities in emerging startups, real estate projects, and Pre-IPO companies to everyday Americans starting as low as $100. Utilizing machine learning, we cut through the noise to connect our users to investment opportunities based on their interest and preferences. My Background: Graduating high school at an early age, I joined the U.S. Army where I served as a soldier and missile defense engineer; operating, managing, and directing defense system implementation and weapons modernization. I’ve been honored and recognized by non-profits, congressmen, senators and U.S. Presidents. After leaving the service, I switched gears to pursue my interest in serving again in the civilian sector. I lobbied for disabled veterans programs at the capital as well as was appointed to serve in a number of Austin government roles to include: City Commissioner, Director of the University of Texas City Relations Agency, member of the Board of Directors for University Area Business Partners, and a member of the Mayor’s Task Force. After a tragedy occurred on the UT Campus, I developed the concept and built the team that would become Campus Watch, a safety app for colleges and universities that uses emerging technology to drastically reduce the response time by campus and city police departments. Think Uber for safety services. Newchip was born out of a passion for investment finance and wanting to help entrepreneurs raise funding. Newchip promotes positive community and social entrepreneurship and has a goal to re-invest 10% of our profits back into entrepreneurs in the developing world.

CEO is very disrespectful to his direct reports, expects people to read his mind, provides little-to no training, will speak badly about you behind your back and e

Yasmina Thomure
share the test results. show us
Yasmina Thomure
livescreen from the website where the doctor gave you results. I worked for this man. Trust me
Yasmina Thomure
” Exactly one month ago, Ryan Rafols, founder and CEO of Newchip had a get together with his team, on what would have been the first day of SXSW. Three to five days later, Rafols says they all started to feel sick. ”
Yasmina Thomure
were any employees tested? any positive? very interesting



Rafols Enterprises
Stormy Rafols
Ryan Rafols,+El+Paso+TX


Ray F Rafols / Rachael Rafols

. After 30min into the call and when I am done with my deck and between expressing how much she loved my idea, the rep slides in (without taking a breath or pause), “so to join the programme there is a fee of $5,000 which would cover everthing. Are you able to pay that upfront or do you want a payment plan?”. I was in shock.




Review this person (edit or delete anytime):

9 thoughts on "“Andrew” Ryan Rafols"

  1. Jesse Nickles says:

    Several weeks ago, in October 2021, I exposed Anthony Garibay and his fake “Garibay Ventures” brand for illegally spamming the shit out of thousands of companies and startups around the world with email lists he purchases.

    Anthony later impersonated Ryan Rafols to threaten me, and Ryan personally contacted me via email claiming that it wasn’t him, that Anthony had impersonated him and that Anthony was breaking the “rules” for their affiliate marketing program…

    Fast forward 4 months, and Anthony is still spamming the f**k out of people on behalf of Newchip (he was never banned from their marketing program despite Ryan’s comments), and he has filed several desperate takedown requests with Google to hide these pages from search results.

    Ryan is a liar who pays harassers like Anthony to ilegally spam massive numbers of people on behalf of Newchip Accelerator

    Update August 2022: After months of Ryan commenting on Hucksters and Reddit, and Anthony Garibay submitting tons of fraudulent takedown complaints to Google trying to hide their scam that we exposed, Ryan is now also submitting takedown requests to Google:

    1. Andrew Ryan says:

      This site is one of the many fake sites ran by Jesse Nickles for his personal vendettas and this page just one of a thousand. We’re not 100% why he hates us but keep reading for more details on our theory.

      First and foremost, let me state that successful individuals do not have time to post 3x a day how much they hate 1,000+ people online across multiple domains they own – ie what this and all of his sites are for – just for slander… and I honestly can’t keep up with him and his fake reviews- it’s exhausting.

      However, as a company and as a CEO I guess we should be proud to make his list of Top 100 Hucksters to include many world leaders and Fortune CEO’s; we have finally become worthy of waging fake 1-man wars against us online and I wear the badge with honor even if its better aligned to oil companies or the Taliban tbh.

      Here’s one of the many threads online talking about how he’s unhinged and slanders anyone and everyone that crosses his path, creating fake accounts to trash them online and how he runs several websites to trash anyone and everyone that he feels are evil/CIA operatives/etc/you name it he has a conspiracy for it:

      Quite like the Joker, he just wants to watch the world burn if it doesn’t fit his narrative or pov, and will use the dirtiest of tactics and lies to try to damage anyone he dislikes or even thinks he may eventually dislike. On our end he got an email one time from an ambassador (all VC’s use them to source deal-flow).

      And because of that email he hadn’t opted into, for years he’s tirelessly posted fake reviews, spam, and slander – you name it he’ll do it – we can’t even tell it apart anymore – we weren’t even involved for a long time until he started doxxing people online last week and posting low level employees to this site and others who don’t even work for us.

      You can’t even sue him because he’s quite literally an actual 1 man Upweok SEO guru “drifter” shop that nobody can find to serve papers to, thus why most companies just ignore him – and why we did too for years. I’m all for free speech but he crosses the line with fake accounts and lies. He loses all credibility to his mission with his tactics.

      As a company we prefer not to feed the trolls but he’s started to dox and attack employees and ex-employees online and people not even employed by us in this war of his so today I decided it was finally time to post on his spam threads and to post here.

      I’ve only had one conversation with him and I thought we had similar beliefs toward free speech, but since then then he has labored to attack us online continually and lie. I’ve since dived in to learn just how this entire system of sites are a way for him to put a mask of “community” around his 1 man mission to burn people.

      I’m not going to dive into personal attacks or racist comments or any of the stuff other post have about him. I don’t even know him but feel free to find other peoples research on him.

      We just honestly hope he gets professional help, but given he’s been the same for years and most just ignore him and his petty squabbles, ie we’re just another in a long list of people he’s trolling, we’ll take advantage of any of the SEO to promote some of our top successful portfolio companies at Newchip below.

      So check them out – he’ll probably say we spent millions and their paid actors and that we faked the moon landing too but most see through that nonsense!

      We apologize that it’s harder to find reviews online because of all of the fake accounts he post from but we’re all for transparency and in what we do not every company succeeds nor do we invest in every startup but welcome to tech – thats just how it is.

      And yes we know just posting here I’ll probably get 30 more attack post but had to set the record straight.

      Anyways check out our startups here:

    2. Jesse Nickles says:

      Ryan is pissed cuz my SEO is so effective at exposing his scam, so he’s resorting to personal attacks and calling me “racist” lmao


      I never even heard about you until a few months back (that’s how fast and good my SEO is apparently), when you lied via email that you were going to be stopping Anthony Garibay’s illegal spam… but you never did

      The guys at Y Combinator and /r/Entrepreneur also warned the public about the Newchip scam in case anyone wants to read that:

      Stay the hell away from the fraudsters at Newchip, they are going down soon!

  2. Andrew Ryan says:

    I’m actually not pissed. Jesse Nickles is a nobody and I don’t say that lightly, he just doesn’t exist relevance wise, nor is he relevant to the progress of humanity even though this site is built on a mission to change the world one hate post at a time, the fact that he spends all of his time and hard-earned money he scams from people to attack me and Barack Obama and Hillary and Jimmy Fallon and everyone else on his Top 100 list online is just sad.

    He creates “brand profiles” with SEO on them so he can post all of his comments but not where the company can respond, I have to respond on my personal conman profile he made, it’s his fiefdom of hate but let’s find something positive in it shall we? We just don’t think being called doushebags, con-men, b*****s, or any of the other terms Jesse likes to throw around are professionally appropriate for someone who has never even interacted with us and just got an email from someone once and we won’t go for low blows.

    Positive wise, it’s a blessing for these companies and a reminder to every growing company that they need to invest in SEO. We’ve always just trusted in organic SEO, but his campaigns have shown us how important it is to manage your brand presence online so a troll with upworkers in India doesn’t affect your company negatively (the loudest people are often heard the most even though they don’t reflect the will of the masses). So I’m dedicating a whole part of our program curriculum to him under troll management to our startups (not even kidding this is important education and I would even bring him in to teach it if I had a muzzle big enough).

    To his message, as usual in his MO to lie and try to manipulate (trust me we’re all for free speech but fake speech and fake reviews lose all credibility), Jesse says above “the guys at Ycombinator” to try to make it feel “like the actual leadership at Ycombinator” vs. just a random web developer and a game developer that posted years ago on HackerNews asking a question – that’s just his MO and if it weren’t I’d respect this site more, to be honest, now he’ll probably go and edit it after this to change otherwise but leaving mine the same.

    You see, HackerNews is a forum owned by Ycbombinator, and the above developers were asking about us as we were new back then years ago and they said they didn’t agree with the model of tuition and thought tuition is a scam – and yes many tuition programs are even, in my opinion, are not good returns on investment because they are incubators, NOT accelerators (incubators help you with the idea, accelerators help you grow your company and get funding once you HAVE traction – big difference), not scams but definitely not always the best ROI.

    And given we had just launched and nobody knew who we were (as is common for newer accelerators then like us compared to the likes of Tech Stars or Ycombinator), we don’t fault those developers either, nor will we go online and slander and attack them because they disagree with us – the antithesis of free speech is trying to bully people for their speech or harm them for it – that is their free speech and their opinion years ago – I don’t know if it’s changed nor do I care, we’ve grown to 80+ countries and helped so many entrepreneurs it matters not what some random person on the internet thinks.

    And to be honest, posts like the above make up 90% of the handful of anonymous postings online by people who don’t agree with the tuition model vs. actual companies we’ve worked with- it’s not for everyone- that is a fact, and that is part of why we built a guarantee into our programs. Not every startup can get into our accelerator nor do they have the traction either to do so, but if you went to Wharton and can call your friends for $1M or work at Facebook or have already built a successful startup you also don’t need an accelerator even if you have the traction – no need to apply if you have access to the capital you don’t need us.

    There’s always someone successful that got funding from their parents that will say accelerator isn’t necessary as well (whether its Bezos or unicorn founders or Trump), but the 99.9% of people that don’t have deep pockets, their alumni network, or parents to call, a tuition-based program built on a SaaS type model is a good investment. See, we take refundable tuition up-front in a SaaS-type model (we call it accelerator as a service) of upfront or optional monthly payments plus an option to invest in your company at the terms we all agree upon BEFORE you join.

    It’s unique and our vision has always been to level the playing field for the 99.9% of startups that don’t get into Ycombinator and other top accelerators (just to note about 1/10~ of our startups actually are in YC + Newchip and about 2/10~ are in another major accelerator) and yes over 1M startups launch yearly and 99% of those fail largely because they are locked out of the top tier networks of investors, mentors, and startup hub access.

    To be clear, we end up refunding about maybe 10% of companies that we bust our a*s to help that just don’t make it for whatever reason (usually it’s a market shift change or the deal falls through at the end and we often help that founder in their next startup too). Our model is to invest in the best companies and our warrant options to invest cover us long-term loss-wise – yes that is right we don’t profit from this, it’s a money-losing model by design. No Mazaratis over here (there are a few actual conmen on his list btw, and MANY missing). You just cannot offer everything we offer including hundreds of thousands in software credits and mentorship and investors for a few hundred bucks per month.

    Next, Jesse points to an anonymous Reddit post that he is a major contributor to (as he is all of them now), to say “LOOK HERE, OTHER PEOPLE!!!. Second to people that don’t agree, there is always going to be a founder here or there we kick out that isn’t happy with our accelerators or a founder that went out of biz because of a poor decision on their part that is upset that we couldn’t help them raise a round when they blew all their money on XYZ instead of revenue and our investors didn’t want to invest (we kick out maybe 5%~ of every cohort so 25 of 250).

    However, having worked with thousands of startups, the handful of people that write negatively (vs. 100x more that do love us) fit one of the two buckets above, and comparatively, that’s a very low percent of actual companies that we work with. I just kicked out an election software company that on the front end seemed to be top-notch and made it past admissions.

    However, we discovered after diligence they were deep state Trump company ie “overturn the election” crowd, not to mention that the founder was upset at a female staff member’s female-splaining to him and said “back in the day they’d take her behind the shed and handle her”- they were as you imagine swiftly handled themselves and refunded even, but the narrative online is we’re SCAM SCAM SCAM on the review side. This is not a common behavior but 5% of “bad” founders is actually a godsend compared to what we’re told other accelerators deal with.

    You see, the world is full of crazies and nobody is crazier than someone who thinks they can change the world and make it better or solve a major problem. To risk it all, literally, everything you have and your family oftentimes is always on the border of crazy and stupid, so there are going to be some bad eggs. Everyone sees them, not just us. We just kick them out aggressively (and we’re upfront about it from day one)- don’t be an a*****e, disrespectful, racist, sexist, etc (honestly too don’t seem like they’d be hard rules to follow).

    It’s even more apparent when you work internationally and the cultures are definitely at odds sometimes. I’m not going to call out specific countries but some founders from some countries have issues meeting with female investors for example, and you wouldn’t think it given how progressive the world has become till you see it.

    Why do we still work internationally then? We’re building the next generation of startup CEO’s, not everyone had the privilege of growing up in America or Palo Alto for that matter and when we can coach, we coach, when we can’t we kick out- its that simple, its not fun but we put in the effort even when it means tough conversations with people who don’t agree.

    Lastly, on the timing side, Jesse has had it out for Anthony for at least a year as far as I know and we can’t tell the difference between his anonymous fake post vs. any other anonymous post as they tend to copy the same formula – what I can say is that when we identify an actual individual we always manage to contact them through whatever system and resolve whatever issue they have if it’s legitimate.

    Otherwise, if it’s just someone we kicked out we could sue them or build a site to trash them, but why sue someone or try to hurt them just because? We put our effort into our companies and let the rest sort itself out the world handles a******s, they usually end up on Upwork running one-man consultant shops selling some service that they outsource to India for $10 an hour and charge $200 an hour for. That’s capitalism too, not hating, that’s just what happens to people who burn every bridge in their lives typically.

    In terms of diligence, we’re all for people doing diligence into any program they join before signing on and we recommend anyone looking into applying for our programs to check out our startups and online but also be cognizant of your traction(how much revenue you’ve made) and professional funding requirements (ie how much you’ve raised from investors already) so that you don’t waste time applying and being denied (the third bucket of upset reviews of people not being admitted and angry because they didn’t get accepted).

    Check out our portfolio of startups here and on youtube and Facebook and linked: and online or meet some of our mentors on Linkedin (we have hundreds on there).

    We don’t deny that we work with Anthony and he has brought us into some amazing startups, how he finds startups is his prerogative, and I’m still annoyed that his email brought Jesse into my life but it has taught me a lesson. Anthony is an Angel Investor and has invested in several of our startups. I don’t have an exact count nor will I post them as I don’t want them to be harassed either as we’ve gotten to that point.

    We are all 100% transparent that we don’t invest in every deal nor does Anthony or any of our investors, VCs, or Ambassadors guarantee investment in every deal. We work with over 1,000 startups per year and our 3,000+ investors and VC network make up the bulk of our investments, we’re small fries and we co-invest and Anthony personally invests in a number but not every single one too – thats how investing works, not every fund is a billion-dollar fund but we makeup for that in a large investor community globally.

    And we do guarantee our programs that meet our requirements and that complete the accelerator receive a number of intros to investors based on their stage and a term sheet, or their tuition is free and we’re proud to be the only company in the ENTIRE industry that offers that model; while it is new, it is not a scam nor would thousands of investors and major corporate enterprises would work with us if it was.

  3. Andrew Ryan says:

    I wrote up a thorough write-up here exposing Jesse, and instead of following “transparency” and free speech principles by posting it as he says everyone can post, it was not approved to post, and instead, Jesse decided to doxx where my little sister and parents’ house is and my ex-girlfriend from high school’s address. This is the kind of person he is.

  4. Ex-Newchip Employee says:

    To the owner of THANK YOU.

    You are 100% on target exposing Newchip and its leading con artist Ryan Rafols. It’s hilarious how he changed his name to “Andrew Ryan” and even got himself a new hairdo. We think it’s because most of the Austin startup and business community already know of Ryan’s awful reputation. As a result, he can’t raise a dime from any legit investor. The silly disguise won’t fool anyone smart enough to make one phone call.

    Everything compiled and published here on this website is accurate as far as we former Newchip employees know. Newchip continues to mass spam for lead generation and their turnover rate among employees remains appalling. Everything about the toxic culture has stayed the same, if it hasn’t gotten worse.

    A few extra details worth highlighting: Ryan is not an accredited investor and will never be one.

    Many of us former Newchip employees believe we couldn’t get the company registered as an investment broker because of Ryan’s shady past. In fact, if there is an official government audit into Newchip’s finances, the whole house of cards will collapse and Ryan will most likely go to jail. We strongly encourage the SEC, FTC, and all other government authorities to investigate and put an end Ryan’s fraud to once and for all.

    To Ryan Rafols, “Andrew Ryan,” or whatever you’re name is now and you happen to read this:

    You are a FRAUD. Everyone who’s worked and interacted with you know you a fraud. Though you’ll never admit it, we think you know it too.

  5. Andrew Ryan says:

    “What types of comments (reviews) do you allow or disallow?

    We only allow comments to be posted under your real name… if we determine a comment was posted using a fake name or aliases it will be deleted.”

    Jesse Nickles own rules from:

    Except** when Jesse post fake comments himself under “anonymous” to push up his own fake slander campaign and high five himself. Thats your style of writing and grammar Jesse!

    At least edit it to seem like its somebody else Jesse. Thats all that has to be said really about his credibility in these lie/slander campaigns and blog post.

    And we need an official government audit? We do public audits every year… as YOU know as its available on the SEC’s website you linked on this page.

    Jess takes anything and tries to twist it into lies. He’d likely cite my own birth certificate entry in a post about being an illegal alien…

    1. Jesse Nickles says:

      I do not ever post on using an alias — you do, however. “Andrew Ryan” is not your real name.

      My coding skills kinda suck so it’s been a slow fix but eventually it’s going to be “real name required on your account” but just a first name will be allowed in the comments section, sort like Capterra. In this case, the user adjusted his name after registering… if he doesn’t change it back, we will delete his comment shortly.

  6. Andrew Ryan says:

    Nope thats another lie. My name legally is Andrew Ryan feel free look it up in court records. Ryan “Andrew” Rafols was the name I was born with but I dropped my fathers last name years legally in a name change

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