Opay & PalmPay “pending” screenshots in NGN P2P: proof scams sellers must refuse before release

Scam Guard: buyer-side **pending** UI masquerading as **posted** funds, recycled receipt JPEGs, and chat urgency on **Opay / PalmPay** rails—why sellers on **Bybit / Bitget / MEXC / LocalCoinSwap** should trust **venue proof fields**, not WhatsApp galleries.

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