1. Why This Matters
Fraudsters use increasingly sophisticated tactics to steal money or personal data. As a fintech handling international payments, we prioritise helping you recognise, avoid and respond to scams. This guide complements our APP Fraud Guidance and outlines wider threats and best‑practice defences for both businesses and individuals.
2. Common Scam Types
| Category | How it works | Red flags |
|---|---|---|
| Phishing / Spoofed Emails | Fake messages claim to be from Unicorn Currencies or your bank, asking you to click a link or update details. | Generic greeting, urgent tone, domain misspellings (unicorn‑currencles.com). |
| Invoice Redirection | Hacker alters supplier invoice bank details. | Sudden change in beneficiary info; emails insisting on secrecy. |
| CEO / Business Email Compromise | Imposter emails finance team with "urgent transfer" instruction. | Pressure to bypass normal approval, unusual account destination. |
| Investment Scams | Promises of high returns in FX, crypto or bonds if you send funds quickly. | Guaranteed profits, unregulated "brokers," pressure to act now. |
| Remote‑Access Fraud | Caller persuades you to install remote‑desktop software to "resolve a payment issue." | Unexpected call, request to share screen/control. |
| Romance/Emergency | Online acquaintance requests money for medical fees, visa or travel. | Relationship escalates quickly; reluctance to meet in person. |
3. How We Protect You
- • Secure login – MFA, session monitoring, device fingerprinting.
- • Beneficiary validation – IBAN/SWIFT checks vs global directories.
- • Anomaly & velocity rules – Flag unusual payment patterns for manual review.
- • Outbound–call verification – High‑value or first‑time beneficiaries confirmed via registered phone.
- • Encrypted communications – All dashboard traffic uses TLS 1.3; we never email links asking to enter credentials.
- • Security alerts – Instant email/SMS if new device logs in or user roles change.
4. What You Should Do
4.1 Verify & Validate
- Call‑back control – Independently phone the known contact before changing bank details.
- Dual approval – Require two authorised users for payments > £25k (configurable in Settings → Approval Rules).
- Check domains & certificates – Login only at
https://dashboard.unicorncurrencies.com(padlock icon). - Use secure channels – Send sensitive docs via our encrypted portal; never email IDs unprotected.
4.2 Stay Alert to Social Engineering
- • Question any request for secrecy or urgency.
- • Beware of "too good to be true" investment offers.
- • Never share OTP codes or password over phone or email.
4.3 Maintain Good Cyber Hygiene
- • Keep OS, browser and antivirus up to date.
- • Use unique strong passwords (or a password manager).
- • Disable macros in Office docs unless verified.
5. How to Confirm Genuine Unicorn Currencies Communication
| Channel | What we do | What we never do |
|---|---|---|
| Send from @unicorncurrencies.com domain; include your name and partial account ID. | Ask for full password, OTP or to transfer money to a "safe" account. | |
| Phone | Call from +44 020 8064 0818 or display your ticket reference. | Pressure you to install remote‑access tools. |
| SMS | Send MFA codes or alert notifications only. | Include links to login page. |
If in doubt, hang up and call us back on the published number.
6. Spot‑Check Checklist
- ☐ Is the email domain exact?
- ☐ Are bank‑detail changes verified verbally?
- ☐ Was the payment request approved by two signatories?
- ☐ Have you paused to question urgency or secrecy?
Print this checklist and keep it near finance desks.
7. If You Think You've Been Scammed
- Stop the payment if possible.
- Contact us immediately – info@unicorncurrencies.com or +44 020 8064 0818 (option 2 "Fraud").
- Notify your bank – Ask them to initiate a recall.
- Report – UK users: Action Fraud (0300 123 2040); elsewhere: local police or cyber‑crime unit.
- Preserve evidence – Emails, phone logs, screenshots.
The quicker you act, the better the chance of recovery.
8. Resources & Further Reading
- • UK National Cyber Security Centre (NCSC) – ncsc.gov.uk
- • Take Five to Stop Fraud – takefive‑stopfraud.org.uk
- • Scam Smart (FCA) – fca.org.uk/scamsmart
9. Contact & Support
Fraud Response Desk
Silverstream House, Fitzroy St, London W1T 6EB, UK
© 2022 Unicorn Currencies Ltd & Unicorn Currencies Limited – All rights reserved.