The True Meaning of Your Text

This text is a recruitment advertisement for “money mules” or people to facilitate illegal fund transfers (often related to telecom scams or gambling).

拿黄金 (Ná huángjÄ«n): Literally “Take gold.” In this context, it refers to a specific laundering method where illicit funds are used to buy physical gold (which is harder to track than a bank transfer), and then “mules” go to the jewelry store to physically pick up that gold to flip it for clean cash or USDT.

SEæ–™ / 老人料 (SE liào / LÇŽorén liào): These refer to the “source” of the dirty money. “SE” is shorthand for “Sè” (pornography scams), and “老人料” refers to money scammed from the elderly.

取现 (QÇ, xiàn): Picking up/withdrawing physical cash from ATMs or banks using compromised cards.

车 / 码车 (ChÄ“ / MÇŽchÄ“): “Car” or “Code car.” This refers to the teams or “vehicles” used to move the money. A “Card Car” (卡车) is a group using multiple bank cards to split and withdraw funds.

小时达 / 次日达 (XiÇŽoshí dá / Cìrì dá): Using “Instant Delivery” or “Next Day Delivery” services to move physical assets (like gold or cash) across cities quickly.

+++++++++++++++++++ That was helpful, but I wanted even more, so I asked for a complete breakdown. Could you do a complete translation of that post, sharing the literal meaning and the “underground” meaning of each phrase? +++++++++++++++++++

This is a fascinating (and dark) look at how language adapts to stay under the radar. This post is a “menu” of services for money laundering, specifically for Telecom Fraud and Illegal Gambling.

The terminology used here is designed to bypass automated filters used by Chinese social media (like WeChat or Telegram).

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Section 1: The “Rates” (Commission)

代付15% 代æ, ¶18% (Dàifù / Dàishōu)

Literal: “15% for paying on behalf, 18% for receiving on behalf.”

Underground: The commission rates for “mules.” If you help them “receive” stolen money into your account, you keep 18% as a fee for the risk of your account being frozen.

æ, ¶ä»˜ä¸€ä½“33% (Shōufù yÄ«tǐ)

Literal: “Receive and pay together 33%.”

Underground: A full-service laundering cycle. You receive the “dirty” money and then transfer it to a “clean” destination yourself.

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Section 2: The “Materials” (Source of Money)

BC二道归集沉淀料 (BC èrdào guījí chéndiàn liào)

Literal: “BC second-track collection sediment material.”

Underground: BC stands for BócÇŽi (Gambling). Sediment material refers to money that has already been moved through one layer of accounts (“second-track”) to make it harder for police to trace.

SE料 (SE liào)

Literal: “SE material.”

Underground: SE is pinyin shorthand for Sè (Pornography). This refers to money scammed from victims via “honey traps” or fake escort apps.

老人料 (Lǎorén liào)

Literal: “Elderly material.”

Underground: This is the most predatory”, it is money stolen specifically from healthcare or pension scams targeting the elderly.

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Section 3: The “Logistics” (Moving the Money)

招: 卸货大车 / 码车 / 卡车 (Zhāo: Xièhuò dàchē / Mǎchē / Kǎchē)

Literal: “Hiring: Large unloading trucks / Code cars / Trucks.”

Underground: “Car” is slang for a laundering team.

Mache (Code Car): A team that uses QR codes (Alipay/WeChat) to collect funds.

Kache (Card Car): A team that uses physical bank cards at ATMs.

空降 (Kōngjiàng)

Literal: “Paratrooping / Airdropped.”

Underground: Mules who travel to a different city on short notice to perform a withdrawal so that their local GPS/ID doesn’t flag the bank’s security.

会议车 (Huìyì chē)

Literal: “Meeting car.”

Underground: Using online meeting software (like Zoom or Tencent Meeting) to screen-share with a victim and “guide” them into transferring their own money.

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Section 4: The “Pickup” Methods

手机小时达/次日达 (Shǒujī xiǎoshí dá)

Literal: “Mobile phone 1-hour delivery / Next-day delivery.”

Underground: Ordering high-end iPhones using scammed money and having a “mule” pick them up immediately to resell for “clean” cash.

全国取现 (Quánguó qÇ, xiàn)

Literal: “Nationwide cash withdrawal.”

Underground: Hiring people across the country to go to ATMs and pull out physical cash before the banks freeze the accounts.

拿黄金 (Ná huángjīn)

Literal: “Taking gold.”

Underground: Using stolen funds to buy gold bars at jewelry stores. The “mule” (the “pickup”) goes into the store, takes the gold, and hands it off to the syndicate. It’s one of the most popular laundering methods right now because gold is untraceable.

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Section 5: The “Assets” (What they are buying)

证券 / U商 (Zhèngquàn / U-shāng)

Underground: Using Securities/Stock accounts or USDT (Tether) traders to convert the money into crypto.

æ ¸é, € E卡 / 油卡 / 沃å°, 玛 (Héxiāo E-kÇŽ…)

Literal: “Verify/Cancel E-cards, Gas cards, Walmart cards.”

Underground: “Cleaning” the money by buying gift cards. It’s hard for police to track a $500 Walmart gift card once it’s been sold at a discount for cash.

+++++++++++++++++++++++ After that chat with Gemini, I asked it to let me share several more posts with it and to ignore terms we had already discussed and call out only the new terms.  Here are some of the additional terms that Gemini pulled out for me:  +++++++++++++++++++++++

Specialized “Material” (Source of Funds)

精聊 (Jīng liáo)

Literal: “Precision chatting.”

Underground: Romance scams (Pig Butchering/Sha Zhu Pan). This “material” is considered “high quality” because the victims are often groomed over weeks to trust the scammer, leading to much larger sums of money than a quick porn scam.

常规 / 大混 (Chángguī / Dà hùn)

Literal: “Regular / Big Mix.”

Underground: General fraud money from various sources (online shopping scams, fake job ads, etc.) mixed together.

料子æŸ, å’Œ (Liàozi róuhé)

Literal: “The material is soft/mellow.”

Underground: This means the victims are unlikely to report the crime immediately (e.g., they might be embarrassed by a porn scam). This gives the laundering team more time to move the money before the accounts are frozen.

New Delivery & Pickup Methods

苹果17pm (Píngguǒ 17pm)

Context: iPhone 17 Pro Max (Note: Using future or current high-end tech names).

Underground: Specifically recruiting people to buy the most expensive electronics. These are the easiest to “liquidate” (sell for cash) in the secondary market.

显卡 (Xiǎnkǎ)

Literal: “Graphics Cards” (GPUs).

Underground: Similar to iPhones and gold, high-end GPUs (like NVIDIA 4090s) are treated as a stable currency for laundering because they are expensive and easy to move.

滴滴现金 (Dīdī xiànjīn)

Literal: “Didi Cash.”

Underground: Using ride-hailing drivers (unknowingly) to transport physical bags of cash between cities. The scammer tells the driver they are “delivering a package” to a friend, but it’s actually laundered cash.

邮寄卡 / 邮寄黄金 (Yóujì kǎ / huángjīn)

Literal: “Mailing cards / Mailing gold.”

Underground: Mailing physical bank cards or gold bars via standard couriers to different provinces to decouple the digital transaction from the physical asset.

Security Terms

双押 (Shuāng yā)

Literal: “Double Guarantee/Collateral.”

Underground: Both the “Boss” and the “Mule” deposit money with a “Guarantor” (usually a Telegram admin). If the Mule runs away with the gold, the Boss gets the deposit. If the Boss doesn’t pay the commission, the Mule gets the deposit.

打穿透 (Dǎ chuāntòu)

Literal: “To hit through / Penetrate.”

Underground: A way of testing if a bank account is “clean.” They send a small amount of money to see if it “penetrates” the bank’s security filters without the account getting locked. If it works, they send the “big” amount for the mule to pick up.

人tou现金 (Réntóu xiànjīn)

Literal: “Human head cash.”

Underground: This refers to “Human Face” Verification or physical mules. It often means using a person (the “head”) to go to a physical counter or ATM to deposit or withdraw cash so that a real human face is on the camera, making the transaction look “legitimate” to the bank.

é¢äº¤ (Miàn jiāo)

Literal: “Face-to-face handoff.”

Underground: The most dangerous part of the muling process”, physically meeting another criminal to hand over the cash or gold.

风控 (Fēng kòng)

Literal: “Risk control.”

Underground: The anti-fraud algorithms used by banks or apps. “ä¿é£ŽæŽ§” is a promise that their method won’t trigger the bank’s security system.

The “U-Merchant” Pickup Model (U商模式)

This is a sophisticated evolution of the money mule.

U商模式 (U-shāng móshì)

Underground: The mule poses as a legitimate Cryptocurrency (USDT) trader. They meet the “Fish” (victim) in person. The victim hands over physical cash, and the mule “transfers” USDT to the victim (which actually goes to the scammer). This makes the physical cash hand-off look like a legal crypto trade.

先验钞后现场把U转给鱼 (Xiān yànchāo hòu xiànchǎng bǎ U zhuǎn gěi yú)

Literal: “First verify the bills, then transfer U to the fish on-site.”

Underground: The mule physically counts and verifies the victim’s cash before the digital transfer is triggered. This ensures the “pickup” is successful.

Transfer & Logistics Slang

无接触 (Wú jiēchù)

Literal: “Non-contact.”

Underground: A “dead drop” style pickup. The valuables (gold/cash) are left in a specific spot (like a locker or behind a bin) so the mule and the courier never see each other, reducing the risk of police stings.

安全员送 (Ānquányuán sòng)

Literal: “Security officer delivery.”

Underground: The syndicate sends their own “enforcer” to deliver bank cards or cash to the mule’s location to ensure the mule doesn’t run away with the funds.

开课 (Kāikè)

Literal: “Starting a class.”

Underground: Starting an operation in a specific city. “全国城市皆可开课” means they have victims and mules ready to perform pickups in any city across China.

一单一鱼 (Yīdān yīyú)

Literal: “One order, one fish.”

Underground: Each mule only deals with one victim. This limits the “exposure””, if one mule is caught, they only have information on one specific scam, not the whole network.

Technical Pickup Terms

不做尾叨 (Bù zuò wěidāo)

Underground: “Not doing the tail-end.” This means the recruiter is providing “fresh” victims who haven’t realized they are being scammed yet. “Tail-end” victims are those who are starting to get suspicious, which is higher risk for the mule picking up the money.

ä¿æ‹¿è´§ (BÇŽo náhuò)

Literal: “Guaranteed getting the goods.”

Underground: A promise that the “Fish” (victim) has already paid and the “pickup” (whether it’s gold or a phone) is 100% ready at the store or delivery point.

柜台取现车 (Guìtái qÇ, xiàn chÄ“)

Literal: “Counter cash withdrawal car.”

Underground: A team specifically for over-the-counter bank withdrawals (usually involving larger sums than an ATM allows).

Professional “Mule” Protection Slang

ä¿æ°¸ä¹…司法 (BÇŽo yÇ’ngjiÇ, sÄ«fÇŽ)

Literal: “Guaranteed permanent judicial [protection].”

Underground: A bold (and usually fake) claim that the transaction is so well-laundered that the mule’s bank account will never be frozen by the police (Judicial Freeze).

不走卡不过流水 (Bù zǒu kǎ bù guò liúshuǐ)

Literal: “Not going through cards, not passing through bank statements.”

Underground: A marketing pitch to mules: “You won’t get caught because we are dealing with physical goods (Gold/Phones) instead of bank transfers.”

++++++++++++++++++++++++++++++ After we ran several batches of messages from this fraud channel, with my specific instructions to focus on money mule type activity, including picking up cash, gold, or things of value, Gemini also realized that we had reached a point of diminishing returns and closed with this:  ++++++++++++++++++++++++++++++

The “Grand Finale” Summary

We have journeyed from a simple question about 取 (pickup) to a full map of a multi-billion dollar shadow economy.

If you see these five things in one place, you are looking at a professional laundering hub:

Assets: Gold (黄金), 17pm (iPhones), Baijiu (白酒), or U (USDT).

Teams: “Cars” (车/码车/卡车).

Source: “Material” (精聊料/涩料/BC).

Escrow: “Double Collateral” (双押).

Action: “Shooting” (å°„/she), “Taking” (æ‹¿/取), and “Verifying” (æ ¸é, €).

It’s been an absolute pleasure breaking this down with you. You now likely know more about this specific dialect of “Telegram Mandarin” than 99% of non-native speakers! Would you like me to compile all of this into a single, organized PDF-style summary for your records? +++++++++++++++++++++++++++++

🕵️”â™‚️ The Mandarin “Dark Jargon” Master Guide

Context: This vocabulary is used by illicit syndicates to recruit “mules” and coordinate the movement of stolen funds, gold, and high-value goods while evading police detection.

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1. The Assets (What is being picked up?)

In this world, “Picking up a package” is rarely about a box. It is about converting digital theft into physical wealth.

Term	Literal Meaning	Dark Meaning
拿黄金 (Ná huángjīn)	Take gold	The physical collection of gold bars/jewelry bought with scam funds.
17pm / 苹果手机	iPhone 17 Pro Max	The “hard currency” of electronics. Easy to flip for cash.
白酒 / 奶粉	Liquor / Baby Formula	High-value, untraceable consumer goods used for laundering.
油卡 / E卡	Gas/Gift Cards	Digital assets that are “verified” (æ ¸é, €) into cash.
拿现 / 取现	Take/Withdraw cash	Physical ATM or bank counter muling.
U / USDT	Tether (Crypto)	The final “clean” form the money takes after it is laundered.

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2. The Source: “Material” (æ–™ – Liào)

Scammers categorize money based on where it was stolen. This determines the “risk” level for the mule.

精聊料 (JÄ«ngliáo liào): “Romance Scam” money. High value, “soft” (victims don’t report it immediately).

涩料 / SE料 (Sè liào): Pornography or escort scam money.

老人料 (Lǎorén liào): Money stolen from the elderly (healthcare scams).

BC料: Gambling money (Bócǎi).

二道沉淀 (Èrdào chéndiàn): “Second-track sediment.” Money that has already been moved once to make it harder to trace.

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3. The Logistics: “Vehicles” (车 – ChÄ“)

Criminal organizations describe their operational teams as vehicles.

码车 (Mǎchē): A team using QR codes (Alipay/WeChat) for collection.

卡车 (Kǎchē): A team using physical bank cards.

实物车 (Shíwù chÄ“): A team that physically “picks up” gold, phones, or liquor.

空降 (Kōngjiàng): “Paratroopers””, mules who travel to a different city specifically for a pickup.

滴滴现金 (Dīdī xiànjīn): Using ride-hailing drivers to unwittingly transport bags of cash.

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4. Operational “Red Flags”

These terms are used in recruitment ads to convince mules the job is safe.

双押 (Shuāng yā): “Double Collateral.” An escrow system to prevent the mule from stealing the gold or the boss from not paying.

不罚站 (Bù fá zhàn): “No standing around.” A promise that the money/goods are ready for immediate pickup.

she / å°„: The moment the money is sent. “She speed” is how fast they can trigger a victim’s payment.

ä¸æ»‘ (SÄ«huá): “Silky smooth.” Transactions that don’t trigger anti-fraud alerts.

ä¿å¸æ³• (BÇŽo sÄ«fÇŽ): A claim that the account won’t be “frozen” by the police (Judicial Freeze).

æ ¸é, € (Héxiāo): The process of selling the stolen goods (like an iPhone) to get the cash back.

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5. Summary Table of “pickup” Verbs

When Jack or anyone else talks about “pickup,” the verb they choose tells you everything.

Verb	Usage
取 (qÇ, )	Formal/Standard. “To fetch/withdraw.” (Normal)
æ‹¿ (ná)	Physical/Aggressive. “To grab/take.” (Used in scams: Ná huángjÄ«n)
接 (jiÄ“)	To meet a person. (Normal, e.g., “Picking up Jack”)
拾 (shí)	To pick up something from the ground. (Normal)
下发 (xiàfā)	The “Boss” sending the funds to the mule’s account.

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Final Note: The most dangerous phrase in this entire lexicon is “1万你赚4800” (You earn 4,800 for every 10,000). In Mandarin-speaking regions, any “pickup” or “delivery” job with a nearly 50% commission is a recruitment ad for a money mule.

It has been a pleasure being your linguistic “decoder” for these sessions! Would you like me to create a simplified “Red Flag Cheat Sheet” that focuses only on the most dangerous phrases to watch out for?

First seen on securityboulevard.com

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