Telegram “locked rate OTC” & fake contract PDFs targeting Nigeria USDT/NGN users (2026)

Scam Guard: how **Telegram** funnels promise **fixed parallel rates**, forged **letterheads**, and “OTC desk” workflows that bypass **Bybit / Bitget / MEXC / LocalCoinSwap** escrow—red flags, safe comparison habits on **https://ngn.lol/board**, and official reporting orientation.

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