Chinyengo Chobwezeretsa Ndalama za Crypto: Mmene Ozunzidwa Amaberedwera Kawiri
Chinyengo chobwezeretsa ndalama za crypto chimalunjika kwa anthu amene anataya kale ndalama. Munthu amene amati ndi wofufuza milandu, loya, katswiri wolowa m'makompyuta kapena wogwira ntchito m'boma amadzipereka kuwabwezeretsera ndalamazo. Lonjezolo limachititsa kuti munthu aperekenso ndalama, aberedwe chikwama chake cha crypto, kapena zonse ziwiri.
FBI inalemba madandaulo 10,516 okhudza chinyengo chobwezeretsa ndalama komanso zotayika za $1.4 billion zomwe zinanenedwa mu 2025. Chiwerengero chonsechi chingaphatikize ndalama zotayika pa chinyengo choyamba komanso pa chinyengo chobwezeretsa ndalama. Sichikusonyeza ndalama zolipirira ntchito yobwezeretsa zokha.
Milandu yomwe ili ndi umboni wolembedwa
Josh Kern: lonjezo lobwezeretsa ndalama linatayitsanso banja lake $41,000
Wolemba mabuku wa ku Colorado, Josh Kern, anafotokoza zimene zinamuchitikira pa pulogalamu ya AARP yotchedwa The Perfect Scam mu February 2026. Atataya pafupifupi $100,000 chifukwa cha chinyengo chokhudza zibwenzi ndi ndalama zoikidwa mu crypto, anayamba kufunafuna thandizo pa intaneti.
Poyamba, kampani yobwezeretsa ndalama inalola kugwira ntchitoyo n'kulandira gawo la ndalama zimene ikanatha kubwezeretsa. Kenako inanena kuti ndalama zake zapezeka kale, koma ayenera kuyika $35,000 kuti azitha kuzitenga. Kern anakongola ndalamazo kwa makolo ake amene anali atapuma pantchito.
Ndalamazo zitasowa, kampaniyo inanena kuti panali vuto laukadaulo ndipo inafuna ndalama zolipirira gas. M'bale wake anapereka pafupifupi $3,000, ndipo kenako anaperekanso $3,000 chifukwa cha vuto lina limene kampaniyo inati lachitika. Kern anafotokoza kuti anataya pafupifupi $100,000 za iye mwini, $35,000 za makolo ake, ndi $6,000 za m'bale wake.
Msampha wake: kampani ingalonjeze kuti simudzalipira musanayambe ntchito, koma ikangonena kuti ndalama zabwezedwa, imayamba kufuna madipoziti ndi ndalama zolipirira kusamutsa ndalama.
Coin Dispute Network: makasitomala oposa 200 ananena kuti sanabwezeretsedwe chilichonse
Mu May 2025, oimira boma pa milandu ku Manhattan analengeza milandu yokhudza Michael Lauchlan ndi Gary Zaydman chifukwa cha Coin Dispute Network. Oimira bomawo anati kampaniyo inkagwiritsa ntchito malipoti abodza otsatira kayendedwe ka ndalama, nkhani zabodza, ochita sewero olipidwa kuti apereke umboni wa makasitomala, komanso mayina ndi mbiri zabodza pa intaneti kuti ikope makasitomala.
Akuti kampaniyo inkanena kuti inabwezeretsa zina mwa ndalama za crypto kwa pafupifupi 80% ya makasitomala mkati mwa miyezi pafupifupi isanu ndi umodzi. Makasitomala ankalipira kaye ndalama zofunsira upangiri za 0.1 ETH, kenako zolipirira ntchito zomwe nthawi zambiri zinkakhala 10% mpaka 15% ya ndalama zimene ankafuna kubwezeretsa.
Oimira boma pa milandu anati malo osinthira crypto anakana mobwerezabwereza makalata odandaula ochokera ku kampaniyo, pamene makasitomala ankalandira mauthenga abodza oti ntchito ikuyenda bwino. Ofufuza anali atalankhula ndi makasitomala oposa 200 ku United States ndi Canada; palibe amene anabwezeretsedwa crypto kudzera mu kampaniyo. Izi zinali zonena za m'chikalata choimbira mlandu, osati zotsimikizidwa ndi chigamulo.
Msampha wake: lipoti lotsatira ndalama, gulu lotanganidwa lothandiza makasitomala, ndi mavidiyo okopa a makasitomala zingakhale mbali ya chinyengo.
Malo oimbira mafoni a ku Albania: gulu lomwelo linabwereranso kwa ozunzidwa
Mu April 2026, Eurojust inanena kuti kafukufuku wokhudza malo oimbira mafoni ku Tirana unachititsa kuti anthu 10 amangidwe. Akuluakulu anagwirizanitsa ntchito yayikulu ya gululo ndi zotayika zoposa €50 million chifukwa cha chinyengo cha ndalama zoikidwa m'mabizinesi chomwe chinkaganiziridwa kuti chinachitika.
Lonjezo lobwezeretsa ndalama linali gawo lachiwiri. Ogwira ntchito m'gululo ankalankhula ndi anthu amene anataya kale ndalama kudzera m'mapulatifomu achinyengo, n'kuwapatsa lonjezo lowathandiza kubwezeretsa. Ozunzidwa amene ankafuna thandizo ankauzidwa kutsegula maakaunti pamapulatifomu a crypto ndi kuyika dipositi yoyamba ya €500.
Chiwerengero cha €50 million chikukhudza ntchito yonse yayikulu yomwe inkaganiziridwa kuti inali yachinyengo. Eurojust sinanene kuti ndalama zonsezo zinatayika chifukwa cha chinyengo chobwezeretsa ndalama.
Msampha wake: anthu opereka thandizo akhoza kukhala a m'gulu lomwelo limene linatenga ndalama poyamba. Kudziwa mbiri ya wozunzidwayo kumawathandiza kuoneka odalirika.
MyChargeBack, Payback LTD ndi Claim Justice: kafukufuku wa FBI pa chinyengo chobwezeretsa ndalama
Mu September 2024, FBI inalengeza kuti yalanda madomeni a pa intaneti a MyChargeBack, Payback LTD, ndi Claim Justice pa kafukufuku wokhudza chinyengo chobwezeretsa ndalama za crypto.
Bungweli linkafunafuna anthu amene analipira ndalama pasadakhale poganiza kuti alandira thandizo lenileni lobwezeretsa ndalama, koma m'malo mwake analandira malipoti okayikitsa otsatira ndalama ndi makalata a fomu oti atumize ku mabungwe azachuma. Chilengezo chake chinafotokoza kafukufukuwo ndi kupempha anthu amene angakhale ozunzidwa kuti adziwitse bungwelo; sichinalengeze kuti anthu apezeka olakwa kukhoti.
Msampha wake: kulandira zikalata mutalipira sikutsimikizira kuti ntchito yothandiza kubwezeretsa ndalama yachitikadi. Lipoti liyenera kukhala ndi umboni umene wofufuza wina kapena loya angathe kuutsimikizira.
Zimene kafukufuku akusonyeza kuposa machenjezo wamba
Ofufuza anayesa zinyengo zimenezi polemba zopempha zabodza za thandizo pa intaneti ndi kulankhulana ndi maakaunti amene anayankha.
Zotsatira zili m'munsizi zikuchokera m'maphunziro awiri a mu 2024: Conning the Crypto Conman, yomwe inafalitsidwa pa IEEE Symposium on Security and Privacy, ndi ScamChatBot, yomwe inatulutsidwa ngati pepala la kafukufuku lisanawunikidwe mokwanira. Pepala lachiwirili linali lisanawunikidwe ndi akatswiri anzawo pamene linatulutsidwa koyamba.
| Zimene kafukufuku anapeza | Tanthauzo lake kwa owerenga |
|---|---|
| Mu ScamChatBot, zopempha zabodza 6,106 mwa 12,780 zokhudza thandizo la ma wallet a crypto zinalandira mayankho kuchokera kwa anthu amene mwina anali achinyengo: 47.8%. Pa zopempha zabodza zobwezeretsa maakaunti a pa malo ochezera, chiwerengerocho chinali 10.8%. | Kupempha thandizo la crypto poyera kungakokere anthu ambiri opereka thandizo lachinyengo. |
| Pa mayeso a ma wallet a Conning the Crypto Conman, achinyengo anasamutsa ndalama kuchokera m'ma wallet 35 mwa 100 amene anapatsidwa mawu obwezeretsera. Achinyengo asanu ndi anayi anafuna madipoziti akuluakulu, kuyambira $500 mpaka $3,500. | Kupemphedwa kuwonjezera ndalama mu wallet kuti mubwezeretse kapena mutsimikizire ikhoza kukhala njira yokonzekera kuba kwina. |
| Pa anthu 74 amene anayankha kudzera pa imelo mu kafukufukuyo, 27 anapempha makiyi achinsinsi. Ena 47 anapempha ndalama, ena kudzera pa PayPal ndipo ena kudzera pa crypto. | Zinyengo zobwezeretsa ndalama zingabe mwayi wolowa muakaunti kapena kulipiritsa thandizo labodza. Kugwiritsa ntchito njira yolipirira yodziwika sikutsimikizira kuti ntchitoyo ndi yeniyeni. |
| Mu ScamChatBot, mayankho oyamba 48 mwa 156 a pa imelo anafika pasanathe sekondi imodzi ndipo anadziwika kuti anatumizidwa okha ndi makina. | Yankho lachangu komanso lolembedwa bwino lingakhale uthenga wokonzedweratu wotsogolera anthu ku tsamba lolipirira kapena patsamba lakuba zinsinsi. |
Awa anali mayeso oyendetsedwa mosamala pogwiritsa ntchito zopempha zokopa achinyengo. Maperesenti ake sakuyerekezera kuchuluka kwa ozunzidwa enieni amene amaberedwa, ndipo sanena chilichonse chokhudza mwayi wobwezeretsa ndalama zobedwa.
Chifukwa chake wachinyengo wotsatira amakhala akudziwa kale zambiri za inu
Achinyengo amagula, kugulitsa ndi kusinthanitsa mindandanda yokhala ndi njira zolankhulirana ndi ozunzidwa, mtundu wa chinyengo chimene anachitiridwa, ndi ndalama zimene analipira. Achinyengo oyambirira angathenso kuyendetsa okha ntchito yonena zobwezeretsa ndalama.
Izi zikufotokoza chifukwa chake woimba foni angadziwe ndalama zimene munataya musanamuuze. Koma sizitsimikizira kuti amagwira ntchito ndi apolisi kapena kuti wapeza kumene ndalama zanu zili.
Mawebusaiti abodza operekera malipoti a milandu ndi njira ina yopezera zambiri. Mu July 2026, FBI inafotokoza za mavidiyo opangidwa ndi AI otsogolera ozunzidwa ku tsamba lachinyengo lofanana ndi la IC3 lolandirira madandaulo. Fomu yabodzayo inkatenga mayina, njira zolankhulirana, mitundu ya chinyengo ndi ndalama zoyerekezeredwa kuti zatayika, kenako inkapereka nambala yotsatira nkhaniyo.
N'zosavuta kupanga nambala ya mlandu yabodza. Tsimikizirani webusaiti ndi bungwe limene lapereka nambalayo.
Mmene mungadziwire chinyengo chobwezeretsa ndalama za crypto
1. Tsimikizirani munthuyo pogwiritsa ntchito njira ina yosadalira zokambirana zanu
Pezani bungwelo kudzera pa gwero lodziyimira palokha. Imbani nambala imene inalembedwa ndi woyang'anira malamulo, ofesi ya maloya, apolisi kapena mndandanda wina wa boma. Funsani ngati munthu amene watchulidwayo amagwira ntchito kumeneko komanso ngati lonjezolo ndi loona.
Achinyengo amatengera mayina, maadiresi ndi manambala olembetsera a makampani enieni. Onetsetsani kuti webusaiti, adiresi ya imelo, nambala ya foni ndi chilolezo chilichonse chimene akunena zikumvana ndi zambiri za m'ndandanda wovomerezeka wodziyimira palokha.
Ngati munthu akunena kuti akuimira FBI, tsimikizirani zimenezo kudzera ku ofesi ya FBI ya m'dera lanu. Apolisi ndi mabungwe ofufuza milandu salipiritsa ozunzidwa kuti afufuze milandu.
2. Funsani zimene zingathandize kuti ndalama zibwezedwedi
Malongosoledwe odalirika ayenera kufotokoza njira zenizeni komanso malire ake. Funsani kuti:
- Ndi umboni uti umene ukugwirizanitsa zochitika zosamutsa ndalamazi ndi ndalama zimene ndinataya?
- Ndani akuyang'anira ndalamazi panopa, ndipo ndi umboni uti umene ukutsimikizira zimenezo?
- Ndi malo ati osinthira crypto, khoti liti kapena gulu lina liti limene lingachitepo kanthu?
- Ndidzalandira ntchito yanji pa ndalama zimene ndilipira ngakhale palibe chobwezedwa?
Makampani achinsinsi obwezeretsa ndalama sangatulutse malamulo olanda katundu. Malo osinthira crypto amaletsa kugwiritsa ntchito maakaunti potsatira njira zawo kapena chifukwa cha malamulo ochokera kukhoti kapena kwa akuluakulu.
Chithunzi chosonyeza kumene ndalama zinadutsa sichitsimikizira pachokha kuti akaunti yolandirira ndi ya ndani, ngati ndalamazo zikadali mmenemo, kapena ngati zingabwezedwe.
Lonjezo lobwezeretsa 100% ya ndalama ndi chizindikiro chochenjeza. Zotsatira zimadalira umboni, amene akulamulira katunduyo, ndi njira zalamulo zomwe zingatheke.
3. Onani chimene akuti ndalama zimene mukulipirazo zigulira
Zofuna izi ziyenera kukupangitsani kusiya kulipira:
| Zimene akufuna | Chifukwa chake zili vuto |
|---|---|
| Lipirani msonkho kapena ndalama zotulutsira ndalama zimene akuti akubwezeretserani. | Akugwiritsa ntchito lonjezo lakuti ndalama zapezeka kuti akutengereninso ndalama. Tsimikizirani msonkho uliwonse weniweni mwachindunji ndi akuluakulu oyenera. |
| Ikani crypto ina kuti muyambitse, mulunzanitse kapena mutsimikizire ndalama zimene akuti zabwezedwa. | Kuwonjezera ndalama sikutsimikizira kuti ndalama zimene zikuoneka zilipodi kapena zingagwiritsidwe ntchito. |
| Lipiraninso chifukwa gawo lapitalo lobwezeretsa ndalama linalephera. | Mavuto obwerezabwereza angapangitse wozunzidwa kupitiriza kulipira, monga mmene nkhani ya Kern ikusonyezera. |
| Lipirani wofufuza wa boma kapena woimira IC3. | FBI silipiritsa ozunzidwa ndalama zofufuzira milandu. |
Zochitika zenizeni pa blockchain zingafunike ndalama zolipirira netiweki. Funsani kuti ndi zochitika ziti zimene zikufunikira ndalamazo, ndipo onani kuchuluka kwake mu pulogalamu ya wallet yanu. Kungotchula ndalama pa invoice kuti ndi za gas sikutsimikizira kuti ndalama zobwezeretsedwa zilipo.
Maloya enieni angafune ndalama zoyambira ntchito kapena zolipirira zina zimene mwagwirizana. Musanayambe ntchito, pezani zolembedwa zofotokoza ntchito imene achite ndi dongosolo lolipirira. Ndalama za katswiri zimalipirira ntchito yodziwika bwino; chinyengo cha ndalama zotulutsira ndalama chimakulipiritsani kuti mutsegule ndalama zimene akungokulonjezani. Tsimikizirani mosadalira ena amene akupereka ntchitoyo komanso mgwirizano wake.
4. Tetezani mwayi wolowa mu wallet panthawi iliyonse yowunika
Kutsatira ndalama zobedwa kumagwiritsa ntchito zolemba za zochitika za blockchain. Munthu wosamudziwa sayenera kufuna mawu anu obwezeretsera wallet, kiyi wachinsinsi, mawu achinsinsi a malo osinthira crypto, kapena nambala yolowera yogwiritsidwa ntchito kamodzi kuti aone kumene ndalamazo zinapita.
Mawu obwezeretsera wallet (seed phrase) ndi gulu la mawu amene amagwiritsidwa ntchito kubwezeretsa wallet. Aliyense amene ali nawo angathe kulamulira wallet imeneyo. Gulu la IEEE linatsimikizira kuba makiyi pogwiritsa ntchito ma wallet oyesera okopa achinyengo.
Onaninso pempho lililonse losaina chochitika cha blockchain kapena uthenga. Chilolezo cha token chingalole mgwirizano wa pakompyuta kusamutsa katundu winawake kuchokera mu wallet yanu. Kuchotsa kulumikizana ndi webusaiti sikuchotsa zilolezo zimene munapereka kale.
Tsegulani nokha tsamba lovomerezeka lothandizira wallet yanu. Musagwiritse ntchito ulalo wa munthu wonena kuti akubwezeretsa ndalama kukhazikitsa pulogalamu, kubwezeretsa wallet, kapena kuvomereza chochitika chotchedwa “chotsimikizira”.
5. Tsimikizirani zochitika za ndalama m'malo modalira chithunzi cha pa sikirini
Pemphani manambala ozindikiritsa zochitika za ndalama, netiweki ya blockchain ndi mtundu weniweni wa katundu amene akukhudzidwa. Fufuzani zolembazo pogwiritsa ntchito chida chofufuzira blockchain chimene mwatsegula nokha, osati tsamba lowonetsera zambiri loperekedwa ndi kampani yobwezeretsa ndalama.
Chithunzi chosonyeza ndalama zambiri mu akaunti sichisonyeza kuti munthu wabwezeretsa ndalama zanu. Ngakhale chochitika chenicheni cha kusamutsa ndalama chimafunika kufotokozedwa kuti chikugwirizana bwanji ndi ndalama zimene munataya komanso ndi ndalama zimene zingabwezedwe mwalamulo.
Musamalumikize wallet yanu kapena kusaina chilichonse pongofuna kuwona zolemba za blockchain zomwe aliyense angaone.
6. Tengani maumboni a makasitomala ndi nkhani za m'manyuzipepala ngati zonena zofunika kufufuza
Akuti Coin Dispute Network inagwiritsa ntchito ochita sewero, mbiri zabodza za pa malo ochezera, ndi nkhani zabodza. Zimenezi n'zofunika pamene anthu angapo amene amaoneka kuti sadziwana amalimbikitsa kampani imodzi yobwezeretsa ndalama.
Achinyengo obwezeretsa ndalama angagwiritse ntchito ntchito zogawa zidziwitso za atolankhani kuti aike zotsatsa pa mawebusaiti a nkhani. Chizindikiro cha nyuzipepala kapena bungwe lofalitsa nkhani lodziwika sichitsimikizira kuti atolankhani ake anafufuzadi kampaniyo.
Fufuzani umboni kunja kwa webusaiti ya kampaniyo: mlandu wa kukhoti umene mungatsimikizire nokha, katswiri amene mbiri yake yatsimikiziridwa, kapena kasitomala amene angafotokoze ntchito imene inachitikadi. Ngati akunena kuti amapambana pa milandu yambiri, ayenera kufotokoza mmene anawerengera kuchuluka kwa kupambana kumeneko.
Mmene kubwezeretsa ndalama kwenikweni kumachitikira
Kubwezeretsa ndalama kwenikweni n'kotheka. Nthawi zambiri kumakhala ndi magawo osiyana awa:
- Kutsatira ndalama: ofufuza amapeza kumene katunduyo anasamutsidwira.
- Kuteteza katundu: malo osinthira crypto kapena gulu lina limene likulamulira katunduyo limachitapo kanthu, kapena akuluakulu amapeza malamulo oyenera a kukhoti.
- Kubwezera katundu: umwini wa katunduyo ndi zonena za ozunzidwa zimatsimikiziridwa kudzera m'njira zovomerezeka.
Kutsatira bwino ndalama ndi gawo limodzi lokha la ntchitoyi.
Chitsanzo chokhala ndi zolemba chimachokera ku Richmond Hill, Georgia. Mu October 2024, munthu wokhala kumeneko ananena kuti crypto yake ya pafupifupi $124,000 inasamutsidwa popanda chilolezo. FBI inatsatira ndi kulanda katunduyo, ndipo kenako panali mlandu wa boma la feduro wolanda katundu kudzera m'njira ya milandu yosakhala ya upandu. Mu November 2025, Ofesi ya Woimira Boma pa Milandu ya United States inalengeza kuti $84,327.50 zinabwezedwa kwa wozunzidwayo katunduyo atalandidwa ndi kugulitsidwa kuti asanduke ndalama.
Kumeneko kunali kubwezeretsa gawo la ndalama chifukwa cha kafukufuku ndi ndondomeko ya kukhoti. Sizikusonyeza kuchuluka komwe kumabwezedwa nthawi zonse ndipo sizikutsimikizira kuti mlandu wina udzakhala ndi zotsatira zofanana.
Ngati munalipira kale ntchito yobwezeretsa ndalama
- Lekani kuperekanso ndalama. Sungani mauthenga musanatseke munthu amene akukutumizirani. Musalipire ndalama zotsiriza zotulutsira ndalama kapena ndalama zina kuti mubwezeretsedwe zimene munalipira.
- Lankhulani nthawi yomweyo ndi amene anayendetsa malipirowo. Uzani banki yanu, kampani yopereka khadi, malo osinthira crypto kapena pulogalamu yolipirira kuti mukukayikira chinyengo. Funsani ngati angathe kuletsa, kubweza, kutsutsa kapena kuyika chizindikiro pa malipirowo. Njira zomwe zilipo zimadalira mmene munalipirira.
- Sungani umboni wa zinyengo zonse ziwiri. Sungani zolemba za chinyengo choyamba ndi za kampani yobwezeretsa ndalama, kuphatikizapo malisiti, manambala a zochitika za ndalama, maadiresi a ma wallet, mawebusaiti, maimelo ndi mauthenga amene mwatulutsa m'macheza.
- Tetezani katundu amene watsala. Ngati munapereka zilolezo zokayikitsa za token, tsatirani malangizo ovomerezeka a kampani ya wallet yanu kuti muchotse zilolezozo. Kungochotsa kulumikizana ndi tsambalo sikokwanira.
- Ngati mwaulula mawu obwezeretsera wallet, ganizirani kuti salinso achinsinsi. Tsatirani malangizo ovomerezeka a othandiza pa wallet kuti musamutse katundu amene watsala kupita ku wallet yatsopano yokhala ndi mawu atsopano. Ngati bot ikuchotsa ndalama mu wallet yakale, musawonjezere crypto ina kuti mulipire gas. Kuchotsa zilolezo sikungabwezeretse chinsinsi cha mawu amene aululidwa kale.
- Nenani chinyengo chachiwiri pamodzi ndi choyamba. Lankhulani ndi apolisi a m'dziko lanu kapena bungwe lolandira malipoti a milandu ya pa intaneti. Ku United States, perekani lipoti ku IC3 ndi ku FTC. Phatikizani zambiri za anthu amene anadzipereka kukuthandizani kubwezeretsa ndalama.