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Deposit fraud is a common type of scam in the modern world. This problem is especially acute among internet users, where scammers target individuals, creating fake promotions with calls to use them, making deposits to these addresses that are fraudulent.
Dreaming of additional income that can be obtained from savings and lacking certain financial literacy in the field of deposits, people often fall for scammers' schemes, entrusting them with their savings.
High-yield deposits
To lure a victim into a high-yield deposit scheme, scammers first create and distribute fake messages that look quite plausible. Using logos of well-known financial companies, making slight adjustments to images, the messages appear similar to official ones from financial companies. They are spread through chats or chatbots in social networks and messengers with an invitation to participate in an event by making a deposit.
When a user responds to the advertisement and follows the invitation, scammers may contact them directly, posing as employees of a well-known financial company. In the conversation, they advertise the profitability of the deposit and invite participation in a promotion offering very high returns. Engaging the potential victim, they elicit the deposit address on a known platform, which allows them to access it, and having obtained personal information, the scammers begin to act.
Deposit scam
The scamming process with deposits begins with fake company employees convincing the victim to make a small deposit to a provided address, supposedly a special platform. To keep the user on the hook, scammers deposit a slightly larger amount into their account, presenting it as a small reward. Naturally, this scheme allows the scammer to gain the user's trust and their further participation in deposit investments, convincing them that the larger the deposit, the greater the future reward.
In the process of such fraudulent deposit games, the victim agrees to the persuasion to make a larger deposit to the provided address, which is, of course, fake. After which the scammers:
- cut off all contact;
- delete correspondence;
- do not answer calls;
- ignore messages.
Users are left without money, which cannot be recovered. In most cases, scammers steal the funds and start a new deposit scam, looking for new victims. As a rule, scammers operate according to a single, already worked-out scheme and are skilled at covering their tracks.
Financial schemes
Scammers meticulously plan their financial schemes, both with deposits and investments:
- carefully think them through;
- like to use the names of well-known financial companies;
- offer high returns;
- describe the most effective ways to earn with deposits;
- use unofficial sites for messages or messengers.
There are many financial schemes invented by scammers – these include:
- financial pyramids,
- fake cryptocurrency trading,
- casino games,
- charity contributions,
- deposits on financial platforms.
Protecting savings
To avoid fraudulent schemes and protect your savings, there is a certain number of actions that will help ensure the safety of deposits:
- do not engage in conversations in private messages, it is better to control the situation and communicate on official platforms.
- if questions arise, it is better to contact the official technical support of the financial platform;
- when working on a financial platform or application, it is imperative to confirm deposit addresses directly on the exchange when making a deposit;
- make sure to use the official website page;
- do not send funds to unverified addresses.
Be wary if a supposed official representative of a financial platform invites you to communicate on social networks such as Telegram. It is better to conduct all correspondence on the platform in the official messenger; it should be understood that employees of reliable companies never ask for financial information.
If suspicions arise during communication that the manager is not genuine, you should contact the security service of the financial platform the scammer claimed to represent.
Scammers are well-versed in the psychology of people and try to lure them to their resources, so vigilance and attentiveness, as well as informational literacy, will help avoid unpleasant encounters with fraudsters.
If a decision has been made to make a deposit and earn money on it, it is necessary to turn to official companies that:
- have been dealing with deposits for many years;
- are verified in the financial market;
- have the necessary licenses and certificates;
- realistically describe the earnings that can be obtained; provide consultations on all financial aspects related to deposits.