加密貨幣點(diǎn)對(duì)點(diǎn) (P2P) 交易最近因其便利性和易用性而受到歡迎。然而，了解與 P2P 轉(zhuǎn)賬相關(guān)的潛在風(fēng)險(xiǎn)非常重要。我們準(zhǔn)備了本指南，以深入了解加密貨幣交易中常見的 P2P 騙局。我們還將探討一些基本技巧，以保護(hù)自己免受這些欺詐活動(dòng)的侵害

有人會(huì)利用 P2P 轉(zhuǎn)賬來欺騙你嗎？

是的，詐騙者可以利用 P2P 轉(zhuǎn)賬來欺騙毫無戒心的受害者。他們可能采用復(fù)雜的策略來操縱交易、虛假陳述付款或冒充信譽(yù)良好的平臺(tái)或個(gè)人。通過了解常見的加密 P2P 詐騙，您可以最大限度地降低成為這些欺詐計(jì)劃受害者的風(fēng)險(xiǎn)。

加密 P2P 詐騙如何運(yùn)作？

P2P 詐騙利用了點(diǎn)對(duì)點(diǎn)交易中固有的信任和匿名性。詐騙者使用各種技術(shù)來欺騙個(gè)人，并誘騙他們釋放資金或敏感信息。了解這些騙局并保持警惕以保護(hù)您的資金和數(shù)字資產(chǎn)至關(guān)重要。

有哪些常見的加密 P2P 騙局？如何識(shí)別它們？

付款證明詐騙

詐騙者可以對(duì)付款截圖進(jìn)行數(shù)字篡改，謊稱他們已經(jīng)完成了交易部分。他們會(huì)在未核實(shí)付款收據(jù)的情況下強(qiáng)迫您釋放資金或數(shù)字資產(chǎn)。

短信詐騙

短信詐騙是一種付款證明詐騙，詐騙者向受害者發(fā)送短信，內(nèi)容類似于銀行或錢包應(yīng)用程序發(fā)送的通知。這些短信謊稱受害者已收到對(duì)方的付款。

您可以通過以下方法保護(hù)自己免遭付款證明詐騙：

1. 在將交易標(biāo)記為完成之前，請(qǐng)務(wù)必檢查您的銀行賬戶或電子錢包，以確認(rèn)收到資金。

2. 如果您的交易對(duì)手堅(jiān)持在確認(rèn)付款到達(dá)之前釋放資金，請(qǐng)務(wù)必謹(jǐn)慎并保持懷疑。

3. 為避免陷入短信詐騙，請(qǐng)務(wù)必直接檢查您的銀行賬戶或加密錢包來驗(yàn)證資金是否收到，而不要盲目相信短信的內(nèi)容。

退款詐騙

欺詐者發(fā)起退款，撤銷向交易對(duì)手支付的款項(xiàng)。他們可能使用第三方賬戶來處理付款，從而更容易撤銷交易。

其中一個(gè)例子就是對(duì)方提出用支票存款向您付款。這是因?yàn)橐笾备犊钔丝罘浅Ｈ菀?，因此很可能是騙局。

為避免退款詐騙：

1. 驗(yàn)證付款詳情上的買家姓名是否與 P2P 平臺(tái)上已驗(yàn)證的姓名相符。

2. 不要接受第三方賬戶的付款，因?yàn)樗鼈兇嬖诟叩耐丝铒L(fēng)險(xiǎn)。

3. If someone insists on paying via a cheque, consider it a red flag and file an appeal immediately.

Man-in-the-Middle (MitM) Scams

In this scam, a fraudster pretends to be a reputable merchant on Binance, KuCoin, Bybit, etc and contacts victims through external channels, such as Telegram, WhatsApp, or social networks. They provide their bank account details and a link to a P2P ad and ask victims to confirm by copying them into the order page’s P2P chat.

Unknowingly, the victim shares the scammer’s bank account details with an unrelated buyer on Crypto P2P Platform, who also has no clue about the scam. The victim releases crypto to the unrelated buyer, who sends their money to the scammer’s bank account instead.

Reversing a transaction or having the customer service team intervene and resolve the issue is impossible in such cases. Since the victim communicated with the fraudster and obtained the details via external communication outside the Crypto Exchange platform, and the funds were transferred to a third-party account unconnected to Crypto Exchange Merchant Crypto Exchange's customer support cannot offer a solution.

To protect yourself from MitM scams, you must:

1.Only communicate within the P2P platform and avoid engaging in transactions outside of it.

2. Remind buyers that third-party transfers violate P2P transaction policies.

3. Double-check the counterparty's bank account details directly on the Crypto Exchange platform.

4. Do not trust offers or information received on external channels when making P2P trades on Crypto Exchange Platform.

Triangle Scams

Triangle scams involve two scammers simultaneously placing orders with the same seller. They exploit the seller's trust and urgency to release funds without proper verification.

Here’s how a triangle P2P scam unfolds:

Scammer A makes an order for 5,000 USDT worth of crypto (order A), and Scammer B makes an order worth 6,000 USDT (order B). Scammer B then transfers 5,000 USDT to the seller.

At the same time, Scammer A marks order A as paid. The seller releases the crypto to Buyer A, thus completing order A for 5,000 USDT. Scammer B sends another 1,000 USDT to the seller, provides the 5,000 USDT payment proof they got from Buyer A, and pressures the seller to release digital assets under order B.

Users who conduct triangle scams aim to pressure the seller to release funds immediately without verifying the transfer. It can be easy to release funds without verifying who initiated the transfer. If you're not careful, you could release the funds twice but only receive half or less of the assets you bought.

To avoid falling victim to triangle scams during P2P trading, you must:

1. Confirm the receipt of all funds from pending P2P transactions before releasing any assets.

2. Be cautious with proof of payment provided by counterparties, as scammers may attempt to reuse them.

Crypto Exchange platform Imposter Scams

詐騙者冒充加密貨幣交易平臺(tái)員工來欺騙用戶并竊取他們的資金。他們通過非官方電子郵件或社交媒體賬戶聯(lián)系潛在受害者，索要個(gè)人信息并發(fā)起欺詐交易。

他們可能會(huì)要求您在 P2P 聊天窗口上分享您的電子郵件地址，聲稱加密貨幣交易平臺(tái) P2P 托管服務(wù)需要此信息來確認(rèn)付款。然后，他們可能會(huì)向您發(fā)送類似于官方加密貨幣交易平臺(tái)通信的網(wǎng)絡(luò)釣魚電子郵件，并誘騙您先釋放您的加密貨幣以接收付款。

為了避免遭受加密貨幣交易平臺(tái)冒名頂替者的詐騙，請(qǐng)執(zhí)行以下操作：

1. 加密貨幣交易平臺(tái)絕不會(huì)要求您通過電子郵件完成 P2P 交易。始終僅在通過 P2P 平臺(tái)收到付款后才釋放資金。

2. 切勿在聊天中分享個(gè)人信息或線下聯(lián)系信息。

3. 確保使用交易對(duì)手指定的付款方式提交付款，并且賬戶上的姓名與加密貨幣交易平臺(tái)上交易對(duì)手的已驗(yàn)證姓名相符。

4. 對(duì)通過非官方渠道獲得的外部?jī)?yōu)惠或信息保持謹(jǐn)慎。

5.您可以查看加密貨幣交易平臺(tái)官方認(rèn)證中心，確認(rèn)相關(guān)渠道的真實(shí)性。

結(jié)論

雖然 P2P 交易提供了便利，但了解常見的騙局并采取必要的預(yù)防措施來保護(hù)自己至關(guān)重要。通過了解這些騙局的運(yùn)作方式并遵循提供的安全提示，您可以最大限度地降低在加密貨幣市場(chǎng)中成為 P2P 欺詐受害者的風(fēng)險(xiǎn)。

保持警惕，對(duì)那些好得令人難以置信的提議持懷疑態(tài)度，在釋放任何資金或數(shù)字資產(chǎn)之前，務(wù)必核實(shí)交易和付款收據(jù)。通過遵循最佳實(shí)踐，例如在加密貨幣交易平臺(tái)的聊天系統(tǒng)內(nèi)進(jìn)行交易、仔細(xì)檢查付款細(xì)節(jié)以及向客戶支持報(bào)告可疑行為，您可以最大限度地降低成為 P2P 加密貨幣詐騙受害者的風(fēng)險(xiǎn)并保護(hù)您的投資。

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