In recent years, the number of fraud schemes has increased, and the methods have become more sophisticated. Scammers are actively moving to Telegram — a popular messenger among labor migrants. Every day, hundreds of new channels appear, visually resembling the official pages of well-known companies.
The result is the same: people lose money, fall victim to data theft, or find loans opened in their name that they never applied for. The reason is that cyber fraud is evolving faster than users’ digital literacy.
Therefore, it is important to understand not only the signs of fraud but also how these schemes are organized.
The main feature of scammers is the imitation of trust. They create channels that externally copy well-known brands:
– Money transfer services;
– Microfinance organizations;
– International payment systems.
The name, logo, and text — everything is made to look as close to the original as possible.
Common fraud scenarios:
– Scammers offer “secret schemes,” such as supposedly not having to repay a loan or how to receive a large transfer “without commission.” They demand payment for “access.” After the transfer, the funds disappear without a trace.
– Posing as customer support, they request passports, phone numbers, or photos of documents. This information is then used to open loans in the victim’s name. Restoring rights can take months and requires contacting the police.
– Fake technical support: they offer to “unlock a transfer,” “return an erroneous payment,” or “verify identity,” using copied interfaces, logos, and fake call center numbers.
There is one simple rule that instantly separates official companies from scammers:
All genuine companies post links to their social media only on their official websites and apps.
Therefore, we are sharing a link to our official Telegram channel: SalamPay.
If you are subscribed to a Telegram channel that is not listed on the official website — it is a fake. This check takes less than a minute but can prevent financial losses.
Additional recommendations:
– Do not share SMS codes, passports, or document photos with third parties;
– Do not click links from unfamiliar channels;
– Check the channel name for errors or extra characters;
– Use only verified applications and official services.
Scammers are becoming more technically sophisticated, and their channels look increasingly convincing. Always verify information sources and use only official channels.
