Overpayment & “refund me on Opay” scams in Nigeria P2P: why partial NGN loops leave escrow (2026)

Scam Guard deep dive: how criminals exploit **fat-finger fear** and **good manners**—fake overpayment screenshots, requests to **refund excess NGN** outside the venue ticket, and split-brain chat across WhatsApp vs in-app evidence. Mapped to **Bybit / Bitget / MEXC / LocalCoinSwap** dispute reality.

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