Hello, crypto community! I want to tell you about a scheme that regularly traps people in P2P trading. This is the so-called triangle scheme—one of the most insidious scams, and if you trade crypto for fiat, you absolutely need to know about it.

The thing is, this triangle scheme works on a simple principle: the scammer uses you as an intermediary to launder money from their victim. Here’s how it works in practice. First, the scammer posts an ad selling something attractive—for example, a smartphone at a super price. The victim takes the bait, agrees to buy, and is ready to send money. But instead of their own details, the scammer gives the victim your bank information.

At the same time, the scammer contacts you as a P2P trader and buys crypto from you, supposedly transferring money. The victim sends funds to your card, thinking they’re paying for the phone. You see the money coming in, send crypto to the scammer—and it’s already too late. The scammer has disappeared with the crypto, the victim didn’t receive the product, and you’ve ended up at the center of the conflict between the victim and the bank. The police may start investigating you specifically.

How not to fall into this trap? The first and most important thing is to always check the buyer’s profile. Look for traders who are registered at least a month ago and have a history of a hundred successful trades. Most platforms provide filters for this check—use them without fail.

Second, add a strict condition to your ad: you accept payment only from the account owner; third parties are excluded. This filters out half of suspicious situations right at the start.

Third, if the money does come from an unknown person, don’t rush to send the crypto. Ask for proof: a photo of the card, a screenshot of the agreement—anything. Scammers usually disappear immediately when they see that they’re being checked. You can even send them 1 ruble back with a comment like “debt repayment”—it often works as a test of authenticity.

Fourth, never return the money yourself. Coordinate any steps with the platform’s support service. This is your protection if the situation becomes confrontational.

In general, P2P trading is convenient and profitable, but it requires attentiveness. Work only with verified profiles, set clear conditions in your ads, and trust your instincts. If something seems strange, it’s better to decline the deal. And remember: if you do end up in an unpleasant situation, contact support immediately and start the appeal process. Stay vigilant!