在移动互联网深度融入日常生活的当下，社交平台逐步演变为承载情绪连接、身份表达与社群互动的数 字空间。Soul App围绕年轻人社交需求，持续探索"更懂年轻人的社交元宇宙"形态。在这一过程中，如 何在开放的互动环境中切实保障用户安全，成为平台治理中的重要议题之一。 前段时间，Soul App联合上海市公安局浦东分局反诈中心，发起主题为"不好！感觉要诈了！——你只 是还没遇到适合你的骗局"的反诈群聊派对，旨在突破传统反诈宣传模式，将防骗知识深度融入年轻用 户的日常社交场景。这一实践，是Soul在社交元宇宙治理路径上的一次具体落点，也为反诈传播提供了 新的场景样本。 活动期间，浦东反诈中心民警胡警官进入Soul群聊派对空间，与在线用户展开实时交流。不同于单向宣 讲，这场互动依托语音房的即时反馈机制，围绕真实案例拆解诈骗逻辑，逐层分析诈骗链路中的心理陷 阱。从参与效果看，这种沉浸式的反诈宣传方式，降低了信息接收门槛。据统计，该场活动累计触达用 户超过1.1万人，同时在线峰值达1200人，在平台内引发了广泛讨论与积极反馈。浦东警方也对活动给 予了肯定，认为其实现了反诈宣传与社交场景的有效结合，使安全提示在互动中被理解、 ...

Core Viewpoint - The article discusses the challenges faced by individuals whose bank accounts are frozen due to being inadvertently involved in fraud schemes, highlighting the emotional and financial turmoil they experience [4][9]. User Experiences - Many individuals, like Wang Li, find their bank accounts frozen without understanding the reasons, leading to significant disruptions in their daily lives and financial obligations [4][8]. - A case from Henan illustrates how a farmer's account was frozen after receiving payment for wheat, which was later deemed to be linked to fraud [6]. - Various scenarios, such as part-time jobs, currency exchange, and business transactions, make cardholders vulnerable to becoming unwitting participants in fraud [7]. Investigation Findings - The article reveals that individuals often become "pawns" in a larger fraud network, with their accounts frozen due to the flow of funds linked to criminal activities [10][12]. - Fraudsters typically use legitimate transactions to launder money, making it difficult for innocent parties to prove their lack of involvement [16][18]. - The freezing of accounts is primarily based on automated systems that track suspicious fund flows rather than individual assessments [17]. Legal and Financial Implications - The article discusses the complexities of legal responsibility for individuals who unknowingly receive fraudulent funds, emphasizing the need for them to prove their innocence to unfreeze their accounts [21][22]. - The concept of "unjust enrichment" is explored, where individuals may be required to return funds received from fraudulent sources, even if they were unaware of the fraud [20][29]. - The article highlights the importance of providing evidence of legitimate transactions to facilitate the unfreezing of accounts [21][22]. Current Trends and Challenges - The article notes the increasing prevalence of fraud cases and the evolving tactics used by criminals, particularly in relation to bank cards and phone cards [25]. - It emphasizes the need for improved measures to prevent individuals from becoming unwitting accomplices in fraud schemes [30][31]. - Recommendations include separating bank accounts for different purposes to minimize the impact of potential fraud on personal finances [33].