Technology
6 crypto scam scripts criminals use to steal your money
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Just about every day, we receive emails from readers who have encountered new scams. Many involve cryptocurrency. The pattern keeps repeating. Someone receives a message that feels urgent, emotional or exciting. The person on the other end sounds confident and persuasive. Before long, the victim is being asked to send money through cryptocurrency. Once the money is sent, it often disappears forever.
Cryptocurrency appeals to scammers for a simple reason. Transactions move quickly, often cross international borders and usually cannot be reversed once completed. That combination makes crypto payments especially attractive to criminals.
Kate recently wrote to us with a great question.
“Could you do an article that illustrates the scripts used by scammers to lure people to send money using cryptocurrency. Those scripts must be very convincing to get so many reasonably intelligent people to send money. Maybe five or six examples of the scripts, so people, especially seniors, will know what to watch out for.”
Kate is absolutely right. These scripts are convincing because scammers practice them constantly. They use psychology, urgency and emotion to push people toward quick decisions.
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Crypto scammers use polished scripts built on urgency, trust and emotion to pressure victims into sending irreversible payments. (gpointstudio/Getty Images)
Let’s break down some of the most common crypto scam scripts, so you know what they sound like before they reach your inbox or phone.
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The investment opportunity script
This script often begins with a friendly introduction through social media, email or even a text message.
Example script:
“Hi, I work with a private investment group that trades cryptocurrency. We’ve helped many people earn steady returns. If you invest $500 today, you could earn $5,000 within weeks. I can show you proof of other investors’ success.”
The scammer may send fake screenshots of profits. Some will even allow a small withdrawal early on to build trust. Eventually, they push the victim to send larger deposits. Once the larger transfer is sent, the account suddenly stops responding.
The romance crypto script
This scam often starts with a simple message on a dating app, Facebook or Instagram. The first contact is friendly and low-pressure.
Example initial script:
“Hi, insert name here, I hope you don’t mind me saying hello. Your profile caught my attention, and you seem like a very kind person. How has your day been?”
After a few days of conversation, the scammer begins sharing details about their life. They often claim to work overseas as an engineer, doctor or business owner. Eventually, they mention cryptocurrency trading as something they do on the side.
Later message in the script:
“I have been doing some short-term crypto trading after work. It has helped me save a lot faster. If you are interested, I can show you the platform I use. It is very easy to start with a small amount.”
From there, the scammer guides the victim to a fake trading site or asks them to transfer cryptocurrency to a wallet they control. At first, the account may show fake profits. The victim believes the investment is working and sends more money. Eventually, the victim cannot withdraw any money.
MALICIOUS MAC EXTENSIONS STEAL CRYPTO WALLETS AND PASSWORDS
From romance schemes to fake government threats, scammers often follow repeatable crypto scripts designed to sound convincing. Knowing the pattern can help you stop the fraud early. (Nhac NGUYEN / AFP via Getty Images)
The government impersonation script
Scammers often pretend to represent government agencies or law enforcement.
Example script:
“This is an urgent notice regarding your tax account. Your Social Security number has been linked to suspicious activity. To prevent legal action, you must verify your identity and pay the outstanding balance today using cryptocurrency.”
Government agencies do not demand payment through cryptocurrency. The goal is to scare you into acting quickly without checking the facts.
The tech support emergency script
This scam often begins with a pop-up warning or an unexpected phone call.
Example script:
“Your computer has been compromised by hackers. Your bank information may be at risk. To secure your system, we need you to transfer funds temporarily into a protected cryptocurrency wallet.“
The scammer claims the funds will be returned once the system is secure. In reality, the transfer moves the money directly to the criminal.
The crypto giveaway script
This scam frequently appears on social media or video platforms.
Example script:
“We are celebrating a new crypto launch. Send 0.1 Bitcoin to this wallet, and we will immediately send back double the amount.”
The message may appear to come from a well-known company or public figure. The wallet address belongs to the scammer. Anyone who sends funds receives nothing in return.
The fake recovery service script
This scam targets people who have already lost money.
Example script:
“We specialize in recovering stolen cryptocurrency. Our investigators located the wallet that received your funds. To begin the recovery process, we require a small crypto payment to unlock the legal tracing tools.”
The victim believes they are hiring professionals to recover their money. Instead, they are being scammed again.
Why these scripts work so well
These scams succeed because they exploit human behavior. First, they create urgency. Victims feel pressured to act quickly.
Second, they create trust. The scammer may sound friendly or sympathetic.
Third, they promise rewards. Investment scams offer profits that feel life-changing.
Finally, cryptocurrency adds confusion. Many people are still learning how it works. Criminals take advantage of that uncertainty.
Understanding these scripts is the first step to protecting yourself. Once you recognize the patterns scammers use, it becomes much easier to stop the conversation before money is involved.
How to protect yourself from crypto scams
Crypto scammers rely on urgency, trust and confusion to pressure victims into sending money. These practical steps can help you recognize warning signs and avoid costly mistakes.
1 CLICK COST A FATHER $4 MILLION IN BITCOIN TO VISHING SCAMMERS
Criminals favor cryptocurrency because transactions move fast, cross borders easily and usually cannot be reversed. That makes crypto a powerful tool for scammers. (Mario Tama/Getty Images)
1) Slow down when money is involved
Scammers depend on urgency to push victims into fast decisions. If someone pressures you to send money immediately, treat it as a warning sign. Pause the conversation and verify the situation independently. Contact the company, agency or person through a known phone number or official website. Taking even a few minutes to step back can stop a scam before money leaves your account.
2) Never send cryptocurrency to someone you do not know
Cryptocurrency transactions work very differently from credit cards or bank transfers. Once funds are sent, they usually cannot be reversed. Scammers prefer crypto because it moves quickly and often crosses international borders. If someone asks for payment through Bitcoin, Ethereum or another digital currency, assume the request is suspicious until proven otherwise.
3) Verify investment opportunities independently
Many crypto scams promise fast profits or guaranteed returns. Legitimate investments never guarantee profits. Before investing, search the company name, website and contact information online. Look for warnings from regulators or consumer protection agencies. If you cannot find reliable information about the company, that is a major red flag.
4) Use strong antivirus software on your devices
Scammers frequently use phishing links, fake websites and malicious downloads to trick victims. Strong antivirus software can help detect these threats before they cause damage. Strong antivirus software can warn you about suspicious websites, block malicious downloads and help stop phishing attempts that try to steal your financial information. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at Cyberguy.com.
5) Reduce the personal information scammers can find online
Scammers often research their targets before sending messages. They may gather details from public records, social media or data broker websites. Limiting the amount of personal information available online can make it harder for criminals to craft convincing messages. Removing your data from people search sites with a data removal service can reduce the chances of becoming a target. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.
6) Be cautious with online relationships
Romance scams often begin with friendly messages on dating apps or social media. Over time, the scammer builds trust and eventually introduces a crypto investment opportunity. If someone you have never met begins discussing cryptocurrency investments or asks you to move money, take a step back. Real relationships do not require financial transfers to strangers.
7) Never trust screenshots or profit dashboards
Crypto scammers often show screenshots of trading accounts that appear to generate large profits. These images are easy to fake or are displayed on fraudulent websites controlled by the scammer. Even if a platform shows profits, it does not mean the money exists. If you cannot withdraw funds easily through a verified exchange, the investment may be fake.
8) Watch for requests to move conversations off the platform
Many scams begin on social media, dating apps or messaging platforms. After the first contact, scammers often ask victims to continue the conversation on WhatsApp, Telegram or another private messaging app. Moving the conversation helps them avoid detection by the original platform. If someone quickly asks you to switch apps, treat it as a warning sign.
9) Talk to someone you trust before sending money
Scammers often isolate their victims and discourage them from discussing the situation with friends or family. Before sending cryptocurrency or making a large investment, pause and talk to someone you trust. A second opinion can often spot warning signs that are easy to miss when emotions are involved.
What to do if you already sent cryptocurrency to a scammer
If you believe you sent cryptocurrency to a scammer, act quickly. Contact the exchange or platform you used to send the funds and report the transaction immediately. Some exchanges may be able to flag the receiving wallet and help investigators track suspicious activity.
You should also report the scam to the FTC at reportfraud.ftc.gov and notify your local law enforcement agency. If the scam began on a social media site, dating app or messaging platform, report the account there as well so it can be investigated and removed.
While recovering funds can be difficult, reporting the incident can help authorities identify larger fraud networks and potentially prevent others from becoming victims.
Kurt’s key takeaways
Cryptocurrency scams continue to grow because the scripts are polished and carefully tested. The criminals behind them understand human psychology. They know when to apply pressure, when to build trust and when to promise rewards. Recognizing these patterns is one of the most powerful ways to stop them. When you know the script, the scam becomes much easier to spot.
Have you ever received a message that tried to convince you to send cryptocurrency, and did the script almost sound believable? Let us know by writing to us at Cyberguy.com.
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Copyright 2026 CyberGuy.com. All rights reserved.
Microsoft Edge is adding a new feature that will allow its Copilot AI chatbot to gather information from all of your open tabs. When you start a conversation with Copilot, you can ask the chatbot questions about what’s in your tabs, compare the products you’re looking at, summarize your open articles, and more.
In its announcement, Microsoft says you can “select which experiences you want or leave off the ones you don’t.” The company is retiring Copilot Mode as well, which could similarly draw information from your tabs but offered some agentic features, like the ability to book a reservation on your behalf. Microsoft has since folded these agentic capabilities into its “Browse with Copilot” tool.
Several other AI features are coming to Edge, including an AI-powered “Study and Learn” mode that can turn the article you’re looking at into a study session or interactive quiz. There’s a new tool that turns your tabs into AI-powered podcasts as well, similar to what you’d find on NotebookLM, and an AI writing assistant that will pop up when you start entering text on a webpage.
You can also give Copilot permission to access your browsing history to provide more “relevant, high-quality answers,” according to Microsoft. Copilot in Edge on desktop and mobile will come with “long-term memory” as well, which can tailor its responses based on your previous conversations. And, when you open up a new tab, you’ll see a redesigned page that combines chat, search, and web navigation, along with the Journeys feature, which uses AI to organize your browsing history into categories that you can revisit.
Meanwhile, an update to Edge’s mobile app will allow you to share your screen with Copilot and talk through the questions about what you’re seeing. Microsoft says you’ll see “clear visual cues” when Copilot is active, “so you know when it’s taking an action, helping, listening, or viewing.”
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If you bought a newer iPhone because Apple made Siri sound like it was about to become your personal artificial intelligence sidekick, you may want to pay attention.
Apple has agreed to pay $250 million to settle a class-action lawsuit over claims that it misled customers about new Apple Intelligence and Siri features. The case centers on the iPhone 16 launch and certain iPhone 15 models that were marketed as ready for Apple’s next wave of AI. The settlement still needs court approval, and Apple denies wrongdoing.
The lawsuit argues that Apple promoted a smarter, more personal Siri before those features were actually available. For some buyers, that was a big deal. A new iPhone can cost hundreds of dollars, and many people upgrade only when they think they are getting something meaningfully new.
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WHY IPHONE USERS ARE THE NEW PRIME SCAM TARGETS
U.S. buyers of certain iPhone 16 and iPhone 15 Pro models may qualify for payments if a judge approves Apple’s proposed settlement. (Getty Images)
What Apple is accused of promising
Apple introduced Apple Intelligence in June 2024 and promoted it as a major step forward for iPhone, iPad and Mac. A key part of that pitch was a more personalized Siri that could understand context, work across apps and help with everyday tasks in a more useful way.
The lawsuit claims Apple’s marketing made consumers believe those advanced Siri features would arrive with the iPhone 16 or soon after. Instead, buyers received phones that had some Apple Intelligence tools, but not the full Siri overhaul that many expected.
That gap is the heart of the case. Plaintiffs say customers bought or upgraded devices based on AI features that were not ready. Apple says it has rolled out many Apple Intelligence features and settled the case, so it can stay focused on its products.
How much money could iPhone owners get?
The proposed settlement creates a $250 million fund. Eligible customers who file approved claims are expected to receive at least $25 per eligible device. That amount could rise to as much as $95 per device, depending on how many people file claims and other settlement factors.
That means this will not be a huge payday for most people. Still, if you bought one of the covered phones, it may be worth watching for a claim notice. A few minutes of paperwork could put some money back in your pocket.
Which iPhones may qualify?
The proposed settlement covers U.S. buyers who purchased any iPhone 16 model, iPhone 15 Pro or iPhone 15 Pro Max between June 10, 2024, and March 29, 2025.
Covered iPhone 16 models include the iPhone 16, iPhone 16 Plus, iPhone 16 Pro, iPhone 16 Pro Max and iPhone 16e. The settlement also includes the iPhone 15 Pro and iPhone 15 Pro Max, but not every iPhone 15 model.
The key details are the device model, the purchase date and whether the phone was bought in the United States.
HOW YOU CAN GET A SLICE OF APPLE’S $250M IPHONE SETTLEMENT
Apple has agreed to pay $250 million to settle claims it misled customers about Apple Intelligence and Siri features on newer iPhones. (Michael Nagle/Bloomberg)
How will you file a claim?
You do not need to do anything immediately. The settlement still needs a judge’s approval. Once the claims process opens, eligible customers are expected to receive a notice by email or mail with instructions on how to file through a settlement website.
That notice matters because scammers love moments like this. A real settlement notice should not ask for your Apple ID password, bank login or payment to claim your money. If you receive a message about this settlement, do not click blindly. Go slowly, check the sender and look for the official settlement administrator details once they are available.
Why this case matters beyond one Siri feature
This case hits a bigger nerve. Tech companies are racing to sell AI as the next must-have feature. That creates a problem for shoppers. You are often asked to buy now based on what a company says will arrive later.
That can be frustrating when the feature is the reason you upgraded. A smarter Siri sounds useful. A phone that can understand your personal context, search across apps and help with daily tasks could save time. But if those tools are delayed, limited or missing, the value of the upgrade changes.
This settlement also sends a message about AI marketing. Companies can talk about future features, but consumers need clear timing and plain explanations. “Coming soon” can mean very different things when you are spending $800, $1,000 or more.
We reached out to Apple for comment, but did not hear back before our deadline.
FIRST 15 THINGS TO DO OR TRY FIRST WHEN YOU GET A NEW IPHONE
Apple denies wrongdoing but agreed to settle claims tied to its marketing of Apple Intelligence and Siri features. (Qilai Shen/Bloomberg)
What this means to you
If you bought a covered iPhone during the settlement period, keep an eye on your email and regular mail. You may qualify for a payment if the court approves the deal.
You should also keep your receipt or proof of purchase if you have it. Your Apple purchase history, carrier account or retailer receipt may help if the claim process asks for details.
More broadly, this is a reminder to treat AI features like any other big tech promise. Before you upgrade, ask one simple question: Can the feature do what is being advertised today, or is the company asking me to wait?
That question can save you from buying a device for a future feature that may arrive much later than expected.
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Kurt’s key takeaways
Apple has built its brand on making technology feel polished, personal and easy to use. That is why this Siri settlement hits a nerve. People were buying phones they use every day for texts, photos, directions, reminders and everything in between. Many expected AI to make those everyday tasks easier, which is why the delay felt frustrating. The proposed payout may be modest, but the bigger issue is trust. When a company sells AI as a reason to upgrade, customers deserve to know what actually works now and what is still coming later.
Would you still buy a new phone for promised AI features, or would you wait until they actually show up? Let us know by writing to us at CyberGuy.com.
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- For simple, real-world ways to spot scams early and stay protected, visit CyberGuy.com – trusted by millions who watch CyberGuy on TV daily.
- Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.
Copyright 2026 CyberGuy.com. All rights reserved.
Instagram is once again cribbing from competitors like Snapchat and BeReal with a new photo-sharing format it calls “Instants,” which are ephemeral photos that you can’t edit and that you can only share with your close friends or followers that follow you back. Instants are available globally beginning on Wednesday as a feature in the inbox in the Instagram app and as a separate app that’s now in testing in select countries.
To access Instants from the Instagram app, go to your DM inbox and look in the bottom-right corner for an icon or a stack of photos. After you post a photo, your friends can emoji react to it and send a reply to your DMs, but after they see it, the photo disappears for them. Instants also disappear after 24 hours, and they can’t be captured in screenshots or screen recordings.
However, your Instants will remain in an archive for you for up to a year, and you can reshare them as a recap to your Instagram Stories if you’d like. You can also undo sending an Instant right after you post it or delete it from your archive.
The Instants mobile app, which popped up in Italy and Spain in April, gives you “immediate access to the camera” and only requires an Instagram account, Instagram says. “Instants you share on the separate app will show up for friends on Instagram and vice versa. We’re trying this separate app out to see how our community uses it, and we’ll continue to evolve it as we learn more.”
Instagram, in its testing, has seen that people “tend to use Instants to share much more casual, much more authentic moments about their day,” according to Instagram boss Adam Mosseri. “And we know that this type of sharing of personal moments with friends is a core part of what makes Instagram Instagram, but we also know that a lot of people don’t really share a lot to their profile grids anymore.”
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