This case happened to a colleague experienced in P2P, and I share it so it doesn't happen to you.
It was a well-thought-out scam, and although it seems incredible, it can happen if you let your guard down for a second.
Read this carefully.
📌 What exactly happened?
A buyer opens an order for 100 USDT. So far, everything is normal. But:
It does not mark the payment immediately. It waits almost until the end of the order time.
At the last minute, mark 'paid' on Binance and send a bank transfer receipt.
The seller tries to access his banking app to check if the money arrived... but he can't log in: his access is blocked.
Think about this: you are against the clock, the buyer starts to pressure you to release, and you can't see your account to check if the payment is real.
What would you do?
My colleague, to avoid receiving a negative rating or an appeal, released the cryptos without confirming the money.
Hours later, when he regained access to his account, the money never arrived.
⚠️ What did the scammers do?
They used the merchant's data (full name and identification number he had posted as part of his payment methods) to:
Start a 'recover password' process in the banking app.
This automatically blocked the merchant's access, leaving him unable to check his account right when he needed it most.
They took advantage of that moment to mark 'paid' and pressure him.
It was a well-thought-out psychological scam.
🧠 How to avoid falling into something like this?
🛑 1. Never release without seeing the money in your account yourself
No excuses. If you can't access your app or confirm the deposit, do not release. Even if you are pressured, even if time is running out.
🕵️♂️ 2. Protect your personal data
Many merchants post their full name or document number as part of the payment instructions.
Avoid this whenever possible. With that information, they can try to access or block your banking services.
🧊 3. If you can't verify, appeal yourself
If you are in doubt, you can start the appeal. Explain the situation to Binance support: 'I do not have temporary access to my app, I cannot confirm if the payment is real.'
That is valid, and it protects you.
😤 4. Don't let yourself be pressured
Many scammers pretend to be angry, accuse you, or scare you into releasing quickly.
The one who pressures is suspicious. If you can't confirm, do not release. Period.
✅ Extra tips to be more protected
Enable two-step verification on all your banking apps.
Change your passwords frequently.
Use payment methods where you control the entire process.
Avoid handling orders late at night if you are not 100% alert.
Operate calmly. Always.
Conclusion
The P2P market is reliable if you know how to take care of yourself.
Binance provides you with tools, but the decision to release or not is always yours.
This type of scam is not new, but it is very avoidable if you act logically:
👉 If you can't see your account, do not release.
👉 If something smells fishy, appeal yourself first.
👉 If you are pressured, block, report, and that's it.
📢 This case did not happen to me, but it did to someone close.
And that's why I share it, so you are not the next one.