‘You clicked “Confirm” yourself. We didn’t violate anything.’
This is exactly the phrase a crypto newbie hears in the P2P transaction chat a few minutes before their USDT disappears forever. Without a refund. Without support. Without justice. Welcome to a new level of crypto scamming.
💸 The essence of the scheme: ‘Phantom payment’ on P2P
At first glance, everything seems fair: you place an order to sell USDT, are in the P2P section, and wait for the transfer from the buyer.
But then:
You receive a ‘transfer’ — visually as if from Tinkoff, Kaspi, Halyk, etc.
You see the surname, amount, confirmation.
You release the coins…
…and the money doesn’t come. Or, worse, it comes — but temporarily, and then it is recalled by the bank at the request of the fraudster.
🎭 3 disguises of fraudsters:
Fake bank interface:
The fraudster sends a screenshot of the 'successful' transfer, where everything is forged. The person, not waiting for real funds, releases USDT.‘Transferred through a friend’ or ‘the company is delayed’:
The buyer is stalling, while trying to hack your account or convince you to release the crypto ‘on their word’.A purely legal trick:
The transfer is made from a third party — for example, through a ‘fake card’ — then this person reports to the bank: ‘I was forced to transfer’, and the bank returns the funds. But the crypto is already gone.
🔍 How to protect yourself: hardcore P2P hygiene
Never release coins until you verify the funds through the official bank (not screenshots/SMS).
Check the payer’s full name — and do not accept transfers from third parties.
Don’t fall for ‘payment through a legal entity’, ‘friend’ or ‘QIWI transfer from a company’ — it’s a trap.
Always save video screens, screenshots, conversations — it will come in handy in disputes.
📈 Why Binance doesn’t always save
Binance protects the seller if they acted according to the rules, but:
If you released the coins yourself, thinking the money had arrived — support will be powerless.
Binance support is not an arbitration court. They cannot track bank refusals, recalled transfers, or fraudulent actions outside the exchange.
🤯 A trick: when a complaint turns into a ban for you
Some fraudsters deliberately create disputes to accuse you of ‘money laundering’ or ‘trading through a fake account’ — and initiate the blocking of your account. Moreover, on both sides: both at the bank and on the exchange.
💬 What should Binance do?
Binance is one of the most powerful P2P platforms in the world. But against the backdrop of rising fraud, it’s time to implement:
Algorithms for auto-analysis of suspicious transfers (especially ‘from third parties’).
Blocking P2P participants for complaints with payment refunds.
Mandatory confirmation of the card/account from the buyer before the transaction.
🛡 The conclusion: crypto is not about ‘trust’, but about
verification
It doesn't matter how much you have in balance — 100 USDT or 100,000. What matters is how much you leave after each transaction. And this can only be done when you check, not believe.
Share this article with friends. Perhaps one link today — will save someone’s deposit tomorrow.
Author: Cryptizen | Exclusive for Binance$USDC
