Name: 詐騙不分國界！看美國受害者是如何因加密貨幣詐騙而失去畢生積蓄 (How Americans Are Losing Their Life Savings To Crypto Fraud)
Uploaded: 2024-08-30T21:01:10.000Z
Duration: 10 min 42 s

I met my scammer through a dating app called Bumble, where he spent about six weeks courting me before I made my first investment into a cryptocurrency fraudulent website domain.

我是通過一款名為 "Bumble "的交友軟件認識金光黨的，在我向一個加密貨幣欺詐網站域名進行第一次投資之前，他花了大約六週的時間來追求我。

情態副詞

I will probably be spending the next 10 years to pay off the debts for completing the manipulative techniques that were used to get me to continue to invest in their platform.

我可能要花 10 年時間來償還債務，以完成那些為了讓我繼續在他們的平臺上投資而使用的操縱技巧。

Karina fell victim to a scam that's growing like wildfire, one that can take months to fully execute.

Karina 成為了一個騙局的受害者，這個騙局像野火一樣越燒越旺，可能需要幾個月的時間才能完全實施。

The scale of these crimes is just skyrocketing, and I'm specifically talking about pig butchering.

這些犯罪的規模正在急劇擴大，我特別要提到的是殺豬。

Scammers build trust with their victims before gradually asking for money, which often takes form in cryptocurrencies.

金光黨先與受害者建立信任，然後再逐步索要錢財，而錢財的形式通常是加密貨幣。

When we had TradFi thefts and TradFi schemes, it was really difficult to get a victim to go liquidate literally everything they had.

當我們遇到 TradFi 盜竊案和 TradFi 騙局時，要讓受害者變現他們所擁有的一切真的很難。

You might have gotten a random text from a stranger claiming they have the wrong number, but they seem friendly enough and continue the conversation.

你可能會收到一條陌生人發來的簡訊，聲稱自己打錯了號碼，但對方看起來很友好，於是繼續聊了起來。

Or you hit it off with someone on a dating app.

或者你在交友軟件上與某人一拍即合。

They might eventually try to strike up a conversation about an investment strategy they have, but government agencies warn this could be the first step to luring you to give up your money.

他們最終可能會試圖就他們的投資策略進行交談，但政府機構警告說，這可能是引誘你放棄資金的第一步。

The FBI's latest internet crime report published in April shows that $4.5 billion lost to investment fraud were reported in 2023, and 86% of those fraud schemes mentioned cryptocurrencies.

聯邦調查局 4 月份發佈的最新互聯網犯罪報告顯示，2023 年報告的投資欺詐損失達 45 億美元，其中 86% 的欺詐計劃提到了加密貨幣。

This is why the crypto sector, in my personal opinion, deserves a lot of the scrutiny.

是以，在我看來，加密貨幣領域應該受到更多的關注。

In the right hands, it can be used safely.

在正確的人手中，它可以被安全地使用。

In the wrong hands, it can carry out devastation that we cannot imagine.

如果落入壞人之手，它可能造成我們無法想象的破壞。

As these scams proliferate, investor losses are growing.

隨著這些騙局的泛濫，投資者的損失也越來越大。

But at the same time, blockchain investigators are tracking down those stolen funds in the hopes of getting them back.

但與此同時，區塊鏈調查人員也在追蹤這些被盜資金，希望能把它們找回來。

Pig butchering smacks you in the face and makes you wonder, what is this?

屠宰豬肉讓你瞠目結舌，不禁要問：這是什麼？

What is this woman talking about in a way that terms like financial grooming don't?

這個女人在談論什麼，而財務梳理等術語卻沒有？

Pig butchering got its name due to the nature of how it's typically executed.

屠宰豬的名稱源於其典型的執行方式。

Our scammers will spend up to four to five hours a day texting their victims.

我們的金光黨每天會花四五個小時給受害者發短信。

The victim will note that this scammer has become the relationship they always wished they had.

受害者會注意到，這個金光黨已經成為他們一直希望擁有的關係。

Holding their hand through every piece of it, they will direct our victims to take money out of their banks and invest it into what they believe is a cryptocurrency platform.

他們會指導受害者從銀行取出錢，投資到他們認為的加密貨幣平臺。

The fraudulent website platform that they used was mimicked after a real cryptocurrency trading platform called Kraken Futures.

他們使用的欺詐網站平臺模仿了一個名為 Kraken Futures 的真實加密貨幣交易平臺。

And the website was built in a way that it looked like a completely legitimate cryptocurrency trading platform.

網站的建設方式讓它看起來像是一個完全合法的加密貨幣交易平臺。

Our scammer already knows because they've spent this extended time with our victim that our victim has a 401k, that they have college funds for their kids.

我們的金光黨已經知道，因為他們花了這麼長的時間與我們的受害者在一起，我們的受害者有一個 401k，他們為他們的孩子準備了大學基金。

And this scam will not end until our scammer gets every last penny that our victim has.

在金光黨拿到受害者的每一分錢之前，這場騙局不會結束。

The rise of fake investment apps, especially legitimate looking crypto apps, has forced big tech to respond.

虛假投資應用程序的興起，尤其是看起來合法的加密應用程序的興起，迫使大型科技公司做出迴應。

In April, Google sued two developers alleging they created very convincing but fraudulent investment apps for the Google Play Store.

今年 4 月，谷歌起訴了兩名開發者，指控他們在谷歌應用商店（Google Play Store）中創建了非常有說服力但卻具有欺詐性的投資應用程序。

The filing says at least 100,000 individual users downloaded the apps.

文件稱，至少有 10 萬名個人用戶下載了這些應用程序。

They created fake companies and fake apps that enticed users to invest.

他們創建虛假公司和虛假應用程序，吸引用戶投資。

And in doing so, that investment led to them losing their money.

這樣做的結果是，他們的投資血本無歸。

Victims of these scams are often dismissed as gullible, but pig butchering is built on socially engineered strategies that catch victims at an optimal place and time in their We've seen lawyers, we've seen teachers.

這些騙局的受害者往往被認為是輕信他人，但 "殺豬騙局 "是建立在社會設計的策略之上的，這些策略能在受害者的最佳時間和地點抓住他們。

And not only do they know what to say, but they know how to stage it and what works.

他們不僅知道該說什麼，還知道怎麼說，什麼才有效。

By day three, they should be using terms of endearment and calling them honey.

到了第三天，他們應該會使用愛稱，叫他們親愛的。

That 2023 Internet crime report from the FBI found the vast majority of reported investment crime was tied to crypto.

聯邦調查局發佈的 2023 年互聯網犯罪報告發現，所報告的絕大多數投資犯罪都與加密貨幣有關。

The underlying technology allows for peer to peer money transfers, making it a great tool for remittances.

其底層技術允許點對點轉賬，是匯款的絕佳工具。

Transactions don't require middlemen, which scammers use to their advantage to move funds around the world.

交易不需要中間人，金光黨們正是利用這一點在全球範圍內轉移資金。

All our victim has to do is push a button on their phone and they've transferred hundreds of thousands of dollars.

受害者只需在手機上按一下按鈕，就能轉走數十萬美元。

But the blockchain, the same thing that makes crypto so speedy and potentially so appealing to scammers, also makes it perfect for tracking down stolen funds.

但是，區塊鏈，這個讓加密貨幣變得如此迅捷並對金光黨具有潛在吸引力的東西，也讓它成為追蹤被盜資金的完美工具。

Chainalysis gave CNBC a behind the scenes look at its reactor tool, which tracks the amount of money that's being transferred on a blockchain.

Chainalysis 向 CNBC 介紹了其反應器工具的幕後情況，該工具可跟蹤區塊鏈上的轉賬金額。

We can see what tools and services that they are purchasing, reinvesting those profits.

我們可以看到他們正在購買哪些工具和服務，並將這些利潤進行再投資。

But we can also see them cashing out to clusters representing cryptocurrency businesses like an exchange, for instance.

但是，我們也可以看到他們將資金套現到代表加密貨幣業務的集群中，例如交易所。

And this is a beautiful lead for us investigators and law enforcement.

這對我們調查人員和執法人員來說是一個很好的線索。

Tracing funds down to an exchange can be key to an investigation as the exchanges may have the information needed to identify criminals.

追查資金流向交易所可能是調查的關鍵，因為交易所可能掌握識別罪犯所需的資訊。

Anti-Money Laundering and Bank Secrecy Act practices push crypto exchanges to report illicit activity to law enforcement.

反洗錢法》和《銀行保密法》促使加密貨幣交易所向執法部門報告非法活動。

We work with law enforcement such as the FBI behind the scenes, both in terms of us helping to identify potential victims and engaging with them as well as engaging on asset recovery.

我們在幕後與聯邦調查局等執法部門合作，幫助確定潛在受害者並與他們接觸，同時參與資產追回工作。

In May, the Tech Against Scams Coalition was launched by crypto exchange Coinbase in collaboration with other crypto businesses, as well as Match Group, which is the parent group of Tinder and Hinge and the Global Anti-Scam Organization, to work together in combating scams, including pig butchering.

今年 5 月，加密貨幣交易所 Coinbase 與其他加密貨幣企業以及 Tinder 和 Hinge 的母公司 Match Group 和全球反詐騙組織合作發起了科技反詐騙聯盟，共同打擊包括屠豬在內的詐騙行為。

One of the key realizations we had as we were all working independently and occasionally bilaterally together is we were really better off when we had perspective from all the different pieces and parts.

在我們獨立開展工作，偶爾也開展雙邊合作的過程中，我們認識到的一個重要問題是，當我們從所有不同的部分和環節中獲得視角時，我們的工作會變得更好。

But tracking down the stolen funds is one thing, seizing them is another challenge entirely.

但追蹤被盜資金是一回事，扣押被盜資金則完全是另一項挑戰。

The blockchain analytic companies, they're the metal detectors.

區塊鏈分析公司就是金屬探測器。

Companies like Asset Reality, we're the shovel.

像 Asset Reality 這樣的公司，我們就是鏟子。

We're the ones that make it easy for governments to seize assets, because right now, if a government agency wanted to seize an asset without us, they're having to pick from lots of different custodians.

是我們讓政府輕鬆扣押資產，因為現在，如果政府機構想扣押資產而沒有我們，他們不得不從許多不同的託管人中挑選。

They're having to manage their own wallets.

All of there's a big admin burden to doing that.

這樣做會帶來很大的管理負擔。

Pig butchering cases involve numerous partnerships between the private and public sectors, all cooperating across multiple jurisdictions, some with weaker regulations than others.

生豬屠宰案件涉及私營和公共部門之間的眾多合作關係，所有合作關係都跨越多個司法管轄區，其中一些管轄區的法規比其他管轄區薄弱。

The biggest challenge presented by crypto asset recovery is the almost guaranteed multi-jurisdictional footprint.

加密資產追回面臨的最大挑戰是幾乎可以保證的多管轄區足跡。

So when your case is in the $10,000, three overseas likely entities, probably six to nine to 12 months of information gathering, it just immediately falls into the, we're sorry, we probably can't take this case forward category.

是以，當你的案件涉及 1 萬美元、三個可能的海外實體、大概 6 到 9 到 12 個月的資訊收集時間時，它就會立即歸入 "我們很抱歉，我們可能無法繼續處理此案 "的類別。

What I found was that a lot of my funds actually routed to an exchange in Thailand and I identified several addresses that were chain hocked from the original address I deposited to a final address.

我發現，我的很多資金實際上都流向了泰國的一家交易所，而且我還發現了幾個地址，這些地址從我最初存入的地址到最後存入的地址都是連鎖的。

All the investigative work that I can do on my end has been completed.

我這邊能做的所有調查工作都已完成。

It's now a matter of law enforcement taking action.

現在是執法部門採取行動的問題了。

A year ago, my team was successfully recovering maybe 25 percent of the victims that came to us, but then really only recovering maybe 10 to 15 percent of what they lost.

一年前，我的團隊成功找回了約 25% 的受害者，但實際上只能找回約 10% 到 15% 的損失。

On top of limited success at recovery, legitimate recovery sources and law enforcement are contending with bad actors hoping to prey on those who are desperate to reclaim their life savings in the aftermath of a scam.

除了有限的追討成功率之外，合法的追討管道和執法部門還在與壞人作鬥爭，他們希望利用那些在騙局發生後急於取回畢生積蓄的人。

And even if a victim is one of the few who are fortunate to be made whole, there is still another loss being dealt with.

即使受害者是少數幸運者之一，但仍要面對另一種損失。

They lost their trusted partner on the same day this all happened.

就在這一切發生的同一天，他們失去了值得信賴的合作伙伴。

We see people checking themselves into psychiatric hospitals.

我們看到有人自己住進精神病院。

Crypto scams are only getting more and more common.

A Better Business Bureau report found that crypto and investment scams became the number one riskiest in 2023, with 80 percent of people targeted reporting lost funds.

美國商業促進局的一份報告發現，加密貨幣和投資詐騙成為 2023 年的頭號風險，80% 的目標人群報告資金損失。

At the same time, these scams are getting ever more complex.

與此同時，這些騙局也變得越來越複雜。

We're normally dealing with scammers and helping law enforcement go after people.

我們通常要對付金光黨，幫助執法部門追捕犯罪分子。

We've now seen very many cases where entirely A.I. created identities, documentation, passports are being used.

我們現在已經看到很多完全由人工智能創建身份、文件和護照的案例。

That's not something we've had to tackle in the past.

這不是我們過去需要解決的問題。

And this problem is expanding around the globe.

而這個問題正在全球範圍內蔓延。

According to the United Nations, the scammers are often migrants trafficked into Southeast Asia and forced to work under threats or use of violence.

據聯合國稱，這些金光黨往往是被販運到東南亞的移民，他們在暴力威脅下被迫工作。

The FDIC says the best course of action to protect yourself from these scams is to remain skeptical.

聯邦存款保險公司表示，保護自己免受這些詐騙的最好辦法就是保持懷疑。

And if you do lose money, don't be too embarrassed to contact law enforcement.

如果你真的丟了錢，不要不好意思聯繫執法部門。

If victims can report to their local or federal authorities, that's the best way to have visibility on these instances because the fact of the matter is they're more than likely not the only victim.

如果受害者能向當地或聯邦當局舉報，這是瞭解這些事件的最佳途徑，因為事實上他們很可能不是唯一的受害者。

What I encourage folks to do from a prevention standpoint is don't make financial decisions alone in isolation.

我鼓勵大家從預防的角度出發，不要孤立地單獨做出財務決定。

Meanwhile, big tech and blockchain detectives are ramping up their responses to these crypto focused scams.

與此同時，大型科技公司和區塊鏈偵探正在加緊應對這些以加密貨幣為重點的騙局。

We want our users to know that they can trust us to not only sort of proactively remove bad apps that are on our site, but once apps come through that we're actually willing to go one step further and prevent those bad actors from doing it again.

我們希望用戶知道，他們可以信任我們，我們不僅會主動刪除網站上的不良應用程序，而且一旦應用程序通過我們的網站，我們還願意更進一步，防止這些不良行為者再次這樣做。

We started something called the Crypto Coalition and we started with 85 members of active law enforcement back in October 2022.

早在 2022 年 10 月，我們就成立了一個名為 "加密聯盟 "的組織，當時有 85 名現役執法人員。

Today, we number more than 1,800 members of active law enforcement that are focused on cryptocurrency investigations.

如今，我們有 1800 多名現役執法人員專注於加密貨幣調查。

We need to understand that this is how bad guys move money today, and we need to be ready in law enforcement to investigate those cases.

我們需要明白，這就是當今壞人轉移資金的方式，我們需要做好執法準備，調查這些案件。

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詐騙不分國界！看美國受害者是如何因加密貨幣詐騙而失去畢生積蓄 (How Americans Are Losing Their Life Savings To Crypto Fraud)

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