Recently, several terms have become popular, such as 'direct flow and bridging', and even the internet slang 'bridge aunt' has emerged. So what are 'direct flow', 'bridging', 'Didi car', 'ride-hailing', 'Huo Lala', and 'bridging'?
Direct flow: This refers to the driver taking cash from the victim. (The money belongs to the victim, this is direct flow.)
Bridging: Taking money from a primary card holder. (The suspect tricks the victim into giving money to the primary card, and after the primary card cashes out, it is handed over to the suspect; this is bridging.)
And all the processes of this group of people are done without meeting, as not meeting can avoid risks, thus giving rise to the so-called 'Didi car', 'ride-hailing', 'Huo Lala' model.
"Didi car" refers to cash-out drivers (dispatchers) who place orders from the ride-hailing platform to pick up cash, gold, or phones at a specific location and deliver them to designated locations, which are then taken away by currency traders (drivers or even errand runners). This is what you see in the news, where the Didi driver sees cash being delivered and directly reports it to the police.
"Ride-hailing", "Huo Lala", and Didi are the same. For example, long-distance ride-hailing, deceived victims help the scammer place an order on the ride-hailing platform, delivering cash, gold, or phones to a fixed location, and the currency trader (driver or even errand runner) takes the items away.
Bridging: This refers to scammers tricking victims into receiving part of someone else's funds, where the victim contributes a part of the funds, under the guise of joint investment (or agency finance) to help cash out, then they exchange both parties' money for U. Since it involves cash, the currency trader exchanging U is either a scammer's hired driver or a real counterfeit trader. Many counterfeit traders come to sell U for cash, lured by high profits, and they deceive themselves into thinking they know nothing.
The difference between bridging and crossing is: crossing is when the local scammed person's receiving account receives another victim's money (you can understand it as a loan laundering scam), while bridging is when part of the funds is from the local scammed person and part is from another victim, a joint investment (you can understand it as a romance pig-killing tactic, where two people invest together, and the scammer pays your account with another victim's funds).
So, when the currency trader comes to collect cash, someone might ask whose address is for returning U?
This is provided by the scammer for the victim to deposit, misleading the victim into thinking that the currency trader is coming to exchange U. If a scammer's person comes over, this involves a three-party scam.
Bridging funds are similar; generally, scammers will say to recharge to an account controlled together with the victim, thus making money together. Therefore, it is difficult to persuade these people, as they see real cash.
Even more ruthless: the victim (for example, Li Si) uses their information to register on the scammer's fake investment platform. The scammer immediately uses this set of information to register on legitimate exchanges, Yibifu, Epay, K豆, etc. The registered information belongs to the victim, and when the legitimate currency trader (Zhang San) sells U, they see Li Si's real information. It is equivalent to Zhang San seeing a real person, Li Si, trading with him, and all verification information can be provided, even video recordings.
However, there is a scammer in the middle forwarding messages. For example, if Zhang San wants Li Si's bank statement, the message is actually sent to the scammer. The scammer then forwards the message to Li Si through their fake platform, Li Si provides the information, and the scammer forwards it to the currency trader Zhang San.
This is the real transaction seen by currency traders; in the end, they think it is a good faith acquisition and truly believe Li Si was scammed after buying U. This is not the case; many currency traders and uncles are not aware of this situation.
Next are some industry jargon:
Incoming calculation: Incoming calculation means that once the funds arrive in the receiving account, the currency trader needs to return the funds.
Direct flow: Money that comes directly from the end user (victim).
Crossing three parties: The incoming funds are passed through three parties, such as those involving legitimate stores and illegitimate merchants.
Transaction voucher: This refers to a more detailed transfer transaction record voucher.
Delayed calculation: When the receiving card has received money, delayed calculation means the money inside leaves the card. If there are card status issues, it should be immediately withdrawn and returned after resolution. If withdrawal fails, a card death proof should be provided. In this case, no refund is needed.
Material type mismatch: If the team only accepts large mixed orders, it means they do not accept boxed meals, red wine building materials, etc. If the material focuses on boxed meals, red wine building materials, this is a material party issue, and at this time, the material type mismatch can lead to no refunds.
Dear viewers, you can take this as a joke without authenticity, but the industry jargon inside is real.
Taking the example of 'dirty money' that currency traders and retail investors encounter when selling digital assets, you need to understand the nature of the assets you are selling in what environment to clearly understand why this industry is so dangerous. Many newbies criticize me, saying they have withdrawn so much without freezing their cards; you are just lucky.
You walk through a gunpowder room with a torch and remain unharmed; I still consider you a fool.
Three Black materials:
There are about 5 types of funds, the first being scams impersonating public security and law enforcement agencies. If it's just an identity setup, they will claim to be a soldier, engaging in romantic relationships or friendships to entice you to invest. This type of scam belongs to the refined chatting category and does not fall under the 'Three Black';
The second type involves impersonating superiors; you will often receive calls saying someone needs to come to my office, or guess who I am, impersonating a leader to commit fraud.
The third type involves financial orders, such as impersonating the boss to request financial transfers under the pretext of paying project fees, goods fees, deposits, bidding funds, etc.
The fourth type involves obtaining payment information through high-tech means such as card duplication, phishing websites, and fake base stations for fraudulent transactions, also called card duplication tech orders.
The fifth type is a bit niche; it can actually be considered a type of public security and law enforcement scam. The 'pig-killing' tactic is the same as domestically, but the target victims are Chinese living abroad, such as international students.
High-tech:
Also known as AI materials, impersonating identities of the Three Black belongs to the above-mentioned Three Black materials, impersonating friends and family belongs to the below-mentioned reporting materials or called large mixed materials.
Minor Three Black:
A scam method where merchants are made to pay through a middleman under the guise of purchasing materials, usually involving impersonation of institutions, and purchasing in the names of boxed meals, red wine, building materials, etc. This will also be immediately dealt with, as there will be impersonation of women's and children's health hospitals, medical insurance bureaus, management bureaus, etc. This also falls under the category of the 'Three Black'.
Reporting materials, large mixed+:
1. Impersonating friends, family, teachers, doctors, or the child themselves to commit fraud.
2. Impersonating a friend to request help to pay for goods under the pretext of buying plane tickets.
3. Scamming under the guise of selling concert tickets on social media.
4. Behaviors involving charging training fees, impersonating teachers to collect tuition fees, charging for obtaining driver's licenses, etc.
5. Scamming through virtual goods or games. This kind of amount is not too large and is quickly dealt with.
6. Scamming under the guise of cross-border e-commerce, agency operations, etc. This cycle is very long.
7. Impersonating celebrities and related staff, lawyers, agents, etc., involving long cycles. This is also why many retail investors receive such funds months later before they are frozen.
8. Scamming RMB under the guise of currency exchange, usually involving a large amount of money and a long time frame. Once something goes wrong, it often becomes social news.
9. There are still many scams that haven't gained widespread recognition in the industry.
You see clearly, the funds at the exchange currency traders do not have clean funds; they are all continuously circulating within this circle. The only difference is whether the currency traders are aware or not, whether they are intentionally participating or not.
The consequences of the currency trader being unaware is just that you end up freezing your card together.
For retail investors, it is relatively safe. Those who criticize me saying they have withdrawn money for six months without freezing cards are just scaring newbies. I have no benefit in scaring you. Only when you freeze your card and are at a loss will you come to me for advice on how to unlock it, and then I might charge you for my consulting fee. Therefore, what we must learn is what type of funds are entering your card.
Some currencies may take 2 years to freeze after being sold; what kind of material is that?
Fund scheme cover-up materials: The classification of fund schemes is lower than the above-mentioned mixed materials. This is the money collected on the last day; these funds are ultimately from the victims and generally need to be reported to the police. This is also the case for those who take over, but the materials from the last day of the cover-up are generally not accepted by ordinary teams. This must be directly dealt with; these must be professional teams engaging in so-called unloading. They only need to ensure the funds will not freeze that day.
Fund scheme collapse materials:
This refers to the profits of the operator after the fund scheme collapses. They will guarantee you that the funds won't freeze for 3-7 days and are also professional teams unloading goods. Generally, this type goes through currency traders, while retail investors selling U mostly receive this type of funds.
Standard large mixed materials:
1. Scamming under the guise of Taobao refunds, including all refund-related traffic and P2P refunds, online shopping refunds, flight refunds, etc.
2. Small loans: All related to credit checks, loans, credit cards, online loans, and the impact of guarantees on credit are classified here.
But those who are scammed by insufficient loan flow don't count in this industry. Most of them are mixed materials that were directly deposited into your card. You may seem like a victim, but in reality, you have helped telecom scammers provide a bank account.
Regular materials:
This is the kind of scam behavior people often see, such as nude chat blackmail. It involves luring victims through video nude chats and obtaining their contact information for extortion, as well as individuals engaging in laundering activities, as well as color powder welfare groups, part-time jobs, etc., to lure victims under the pretext of hooking up to complete tasks or earn commissions.
Door-to-door prostitution scams, such as charging for transportation, deposits, pre-paid prostitution fees, etc., also fall under this category.
Refined chatting scam:
Refined chatting emotional cuts or investment cuts 'pig-killing' tactics, one-on-one cutting by the gunman, also belong to this type. Impersonating soldiers and other identities also belong to this type, which does not fall under the Three Black. Victims reporting this type are very few; many are unwilling to report their 'boyfriend', believing that the boyfriend treats her too well, thinking he didn't deceive her but that she just invested unsuccessfully.
Large area materials:
Investment-related scams; these generally involve gangs conducting customer cuts, usually using risk-return projects as cutting products, with cycles of 3-7-15 days for harvesting. Short fund schemes last 30-45 days, similar to large-area types, while long fund schemes last 3-6 months, using principal-protected investment projects as cutting products, and some have been around for many years, such as MMM, E-rent treasure, etc.
Spinach materials:
Many so-called reputable 'legitimate' platforms.
The above are the types of funds most retail investors encounter at exchanges. When you sell U, it is basically this type of fund; I have no benefit in scaring you.
Anti-fraud is not simply done with a few slogans; it requires penetrating the enemy's core, understanding their tactics, and then dismantling them. If your card is frozen and you do not know the nature of your funds, how can you respond simply?
What is the script of the operator (U trader)? Let's see how despicable it is!
Criminals have even summarized so-called responses for uncles, establishing rules for taking cash or delivery. Are these rules effective? Honestly, they are not effective; assisting in fund transfers is criminal, and you will be arrested without negotiation.
The so-called offbeat methods are not rule loopholes; they are the scammers' tricks to deceive you. As long as cash is involved, it is a crime, and many are recruiting these counterfeit traders, who are actually just cannon fodder.
Share this article with those blindly confident retail investors; let them see how sophisticated the system is that waits for them when they sell U at the exchange. What you see is just the tip of the iceberg.