FTX’s restructuring plan for the failed cryptocurrency exchange went into effect on January 3. Users will be able to start receiving refunds. However, FTX creditors cautioned against scam emails. Users who want to receive refunds must submit a request via the official website. The first group can receive payments within 60 days. The plan prioritizes users who request $50,000 or less. However, some creditors have criticized the fact that refunds are based on cryptocurrency prices at the time of the bankruptcy. Share your thoughts in the comments.