Real experiences + practical coping skills, the most comprehensive guide on the internet!
Recently, many people have had their accounts frozen due to "U transfers" and even had police interviews.
Here are 3 key questions often asked by uncles, along with safe response templates. It is recommended that you save and forward them to friends!
Question 1: "Do you know that virtual currency transactions are not protected by law?"
✅ Suggested response👇
"I know that virtual currency is currently in a regulatory gray area in China,
but there is currently no clear law prohibiting individuals from buying and selling virtual currency.
I am only helping a friend exchange point-to-point, with no subjective intent to break the law, and I am not a professional agent."
Keywords: non-professional operation / no subjective malice / individual behavior is not organized crime.
Question 2: "You must refund the entire amount received in the case for your account to be unfrozen!"
✅ Suggested response👇
"I am willing to cooperate with the investigation and am willing to refund a reasonable portion of the funds,
but the amount to be refunded should be negotiated based on the proportion of financial responsibility and account attributes.
This does not mean I must compensate in full."
Tip: If you can contact the victim to negotiate a refund, progress will be faster and more beneficial.
Question 3: "Not cooperating with the investigation may affect your credit and other bank cards?"
✅ Suggested response👇
"I actively cooperate and have submitted relevant materials.
I believe the police will legally determine responsibility, and after excluding involvement in the case, it will not affect my credit and other accounts.
At the same time, I understand that account freezing ≠ conviction ≠ having a criminal record.
📌 Popular science:
Level 1 card: directly receiving fraud-related funds, high risk, requires special caution.
Level 2 card: indirectly receiving payments or transfers, usually can be unfrozen after cooperation, no criminal record left.
✅ Final note: These reminders you must remember!
🔒1⃣ Do not make U transfers for strangers! No matter the amount, the risk outweighs the reward.
🔍2⃣ Always verify the other party's identity + card information + purpose of funds before making a transfer.
📄3⃣ For large amounts, remember to take screenshots and keep chat records + payment proof.
⚖️4⃣ If something goes wrong, contact a lawyer immediately + calmly cooperate to clarify your innocence.
🎯 Here’s a phrase for you:
Not every transaction is worth making; don't use your real-name information for short-term gains.