Why do I keep emphasizing the need for real-name transactions!!!
Recently, I've seen many newcomers arguing in the comments, claiming that they have found currency dealers on exchanges and have safely withdrawn over a million without any issues, thinking that those risk warnings are purely alarmist.
To be honest, this mindset is akin to someone who has sailed a few times in shallow waters believing they can navigate the giant waves of the open sea. After reading this article, perhaps your understanding will truly elevate—especially regarding why those non-real-name payment dealers will inevitably face 100% disaster.
The rules have changed, yet you still look at the sky from the bottom of a well.
This year, there are two signals that you need to understand. One is that currency dealers with over 10 million in cash in their accounts may be under scrutiny; the good days for people in the crypto world are nearly over. The second is that legislation for the virtual currency industry will be enacted this year. What is compliance, and what are the minefields? The law will soon clarify everything.
It's quite ironic that even now, some people are still asking, "Can currency dealers still operate?" This industry has been tumultuous for nearly ten years, and if you haven't entered it yet, asking about your future on the eve of regulatory crackdowns is just asking to be taken advantage of. Some even charge you tens of thousands as "tuition," and you only need to remember one thing: no one in this world will genuinely teach you how to make money unless they have their eyes on your capital.
Some who are eager to deny risks are, to put it bluntly, quite pitiful. They haven't even touched the edges of the real world yet dare to shamelessly discuss their so-called "worldview." It's like a blind person touching an elephant's leg and firmly believing that an elephant looks like a pillar. What you can see is merely the size of the well's opening.
The entire internet is filled with stories of classmates, friends, colleagues, and childhood friends making overnight fortunes in the crypto world. Just listen to it; if you take it seriously, you will lose. Poor people who suddenly become rich absolutely cannot retain their wealth and cannot leave the casino. Not to mention that they cannot safely cash out and exit; they have no understanding of finance, savings, or M2. Even if they get lucky and make money, they cannot escape the "casino" that made them rich. In the end, they either continue to lose money or blindly invest in physical industries, losing everything.
This is the outcome of a mismatch between wealth and understanding. To be honest, even though I consider my understanding to be quite high, I was still cut down for millions in the real estate market back in the day. Just because you have safely passed through a powder magazine multiple times with a torch does not mean the powder magazine is safe; it only indicates that your torch has not yet reached the level to ignite the entire warehouse. Wake up.
You challenge human nature, gamble on probabilities, and think that finding a highly-rated dealer is safe? The reason you haven't been scammed yet is simply that your value hasn't been high enough to attract scammers. Remember, the only reason you haven't been scammed is that you haven't made significant money. Do you understand? Don't tell me that just because you've dated one girlfriend, you think you've grasped the complexities of the world. Do you really believe your girlfriend is the only one in the world?
(.)Y(.) (з)(з)（⊙Y⊙）（°)(°）（○)(○）(。)Y(。)（.Y.） (。Y。)
How many forms have you seen?
Speaking of which, human nature is as thin as paper in the face of enormous profits.
Perhaps you think you know some "reliable" off-exchange U dealers, and small transactions of tens of thousands have gone smoothly for three years without a hitch. This time, you got lucky and made a million, dreaming of cashing out all at once to retire from the game.
You go to negotiate with that old acquaintance. Calculating that for a million worth of goods, the other party could easily make 30,000, you generously suggest, "Buddy, let’s make it an extra 10,000 for you, just to be safe." The other party, initially hesitant, eventually agrees.
In your eyes, this might be a diligent and "legitimate" large off-exchange dealer who has been in the bulk trading circle for three years. You look at his credibility, his transaction volume, and even in certain communities, he has numerous million-level U collection orders.
At this moment, what pops into his mind is not the few tens of thousands of profit, but a precise arithmetic problem: what kind of "material" should he provide you to maximize his profit?
If he provides "second-rate material," he can easily pocket 3 million, with the only cost being the freezing of a bank card. If he provides "third-rate material," he can guarantee a profit of 2 million. The best part is, if he induces you to accept "non-real-name payment," and directly uses dirty money, he can make a clean 5 million on the spot without any legal costs.
While you wait to receive the money, he will skillfully send you a message: "Brother, unfortunately, my card has a limit today. For such a large amount, can I use my family member's card to send you 5 million each?" You think, indeed, it’s normal for such a large amount to not be transferred by one card, so you nod in agreement.
In fact, from the moment you nodded, you have completely become the meat on the chopping block. Whether you agree or not, he is already selecting a plan to harvest you. You still think your old acquaintance is reliable, unaware that he has been waiting for three years just to scam you on this deal. The so-called off-exchange credibility? Forget it. The so-called reputation in the circle? Irrelevant. In the face of several million or tens of millions in profits, these things are as light as a feather. Once he eats this deal, he can immediately change his identity and vanish, while the tens of millions in your hands will likely turn into a "hot potato" that leads to your bank account being frozen or even worse trouble.
This is the bloody reality: the only reason you haven't been scammed yet is that your scale hasn't reached the standard for them to "abandon the account and harvest." Those U dealers who have been laying out plans for years may hold dozens of identities. Eating this deal and abandoning one identity is almost zero cost for them. Human nature, in the face of profits that can achieve class leaps, cannot withstand even the slightest test.
For those friends who haven't encountered pitfalls yet, don't rush to argue. I've seen "three-year friends turn into enemies" far more real than the myths you've heard. When you truly reach this threshold, you will realize that the sense of security you deeply believe in is actually a carefully woven trap by the other party. So, the next time you prepare to "retire from the game," do you really dare to entrust your back to that off-exchange U dealer you've been chatting with for three years?
In fact, the legitimate currency dealers on exchanges hardly make much profit; sometimes the price difference is only 3-7 cents. The actual profit is only two or three thousandths because they also bear extremely high card costs and risk control. Therefore, to survive, unscrupulous dealers start to think about how to "catch fish."
If you encounter a currency dealer on an exchange who tells you, "The bank card has a limit; I’ll use my family member's card to pay you," that is what is known as non-real-name payment. Congratulations, you have already stepped onto the guillotine. Why does non-real-name payment 100% lead to problems? In the logic of gray industries, non-real-name payment means that this money does not need to go through the dealer's real-name account at all. This means that what he sends you is likely the dirtiest and most lethal "first-hand dirty money."
If he provides second-rate material: he can earn 30%, at the cost of freezing your card for a year.
If he uses first-hand dirty money: he can directly earn 50-70% without any legal costs because the payer is not him at all.
Why would you choose him? Even now, many people are educating newcomers on how to find safe currency dealers on exchanges, with large transaction volumes, long registration times, high transaction rates, and real-name payments. These are all correct because he may have been operating honestly on the platform for years, accumulating thousands of good reviews. When you rush to him with hundreds of thousands or millions in funds based on his "credibility," in his eyes, the operating costs of those three years are insignificant compared to this one lucrative deal. He eats this deal and abandons his account; you go to the platform? Report it? That real-name information might just be an old farmer from a remote village.
In addition to large-scale harvesting of millions, there are also pitfalls in small transactions.
Hard limits are generally within 500,000: everyone knows that exchanges have a verification model, where they don’t give you the card number first. The buyer must show transaction proof, and only after verification will they provide the card number for the next step of the transaction. If the transaction proof fails verification, the dealer can directly refuse the transaction, and both parties cancel without responsibility.
The dealer has his own person (a small account) place an order for 300,000, and the small account normally transfers money to the dealer, generating transaction proof.
The small account mistakenly cancels the transaction.
The dealer quickly lists the order at a price three cents lower than the market price, getting to the top position with a total order of 300,000, and someone will definitely buy it instantly.
After listing, he sends the transaction card number to the user through the chat box (the card number is not his), and the user has absolute trust in the exchange, directly proceeding to transfer the money.
After the dealer receives the payment, he immediately clicks to refuse the transaction. When the user contacts the dealer, he tells the user to add him on WeChat or via a plane, saying either a refund or the currency, and he will keep in touch without going missing.
He quickly sells this 300,000 order to a peer, resolving it quickly.
His small account clicks to appeal, showing the payment record and claiming he didn’t receive the currency, and the platform determines that the deposit should be compensated. At this point, the dealer says he has no money left, and the deposit compensation is fine.
Throughout the process, he reassures the payer, and within half an hour, it can be resolved. When you look for real-name information, an 80-year-old rural elder appears before you.
There are also traps for small amounts, generally under 50,000: you sell for 15,820.78 yuan, and he deliberately only transfers 15,280.78 yuan. This kind of numerical game, if you are a bit careless, he can make a profit of over 500 from one order. If you notice, he immediately apologizes and makes up the money, acting more sincere than anyone else.
Some understandings are truly lessons learned with real money. Wake up, my friend; the operating rules of this society are beyond your imagination. Unless you truly walk through it yourself, you cannot deeply appreciate it. First, go make money and secure it!
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