C2C scenarios for buying stablecoins indeed require caution. Recently, I've seen many people fall into traps and want to discuss how to avoid scams.

First is the issue of payment methods. Some merchants only accept red envelopes and refuse bank transfers, claiming that transfer notes might lead to frozen funds — sounds reasonable, but actually hides risks. If a transaction goes wrong, they will say it's your voluntary action and you should bear the responsibility. This kind of rhetoric is actually a way to evade platform accountability.

Next is the transparency of merchant information. Many certified merchants' real identities and the actual owners of the payment accounts they provide are unknown to buyers. This creates opportunities for criminals — some impersonate certified merchants to carry out scams.

How to protect yourself? First, try to use the platform's built-in secure transfer functions, which have transaction records for verification; second, prioritize merchants with verified identities and transparent transaction histories; third, for large transactions, it's best to verify the other party's real-name information first. In simple terms, every transaction should have a traceable record. These details may seem cumbersome, but they can save you at critical moments.