一場金額高達新台幣 104 億元的虛擬幣洗錢案，近日震撼台灣警界。嫌犯邱姓男子雖未參與任何實際詐騙行為，卻透過幣圈機制協助詐騙集團將贓款洗白出境，年收抽成獲利上看 7 千萬元。這起案件不僅創下中部史上洗錢金額最高紀錄，也迫使警方重新審視詐騙鏈中「搬運工」角色的重要性。
Table of Contents
Toggle
- 不是詐騙犯，卻是鏈上關鍵：「金融加工師」崛起
- 如何洗？從台幣變 USDT...

<div><p>一場金額高達新台幣 104 億元的<a href="https://www.ftvnews.com.tw/news/detail/2023A31C10M1" rel="nofollow">虛擬幣洗錢案</a>，近日震撼台灣警界。嫌犯邱姓男子雖未參與任何實際詐騙行為，卻透過幣圈機制協助詐騙集團將贓款洗白出境，年收抽成獲利上看 7 千萬元。這起案件不僅創下中部史上洗錢金額最高紀錄，也迫使警方重新審視詐騙鏈中「搬運工」角色的重要性。</p><div><div><p>Table of Contents</p><span><a href="https://abmedia.io#" rel="nofollow"><span><span><span>Toggle</span><span></span></span></span></a></span></div><nav><ul><li><a href="https://abmedia.io#%E4%B8%8D%E6%98%AF%E8%A9%90%E9%A8%99%E7%8A%AF%EF%BC%8C%E5%8D%BB%E6%98%AF%E9%8F%88%E4%B8%8A%E9%97%9C%E9%8D%B5%EF%BC%9A%E3%80%8C%E9%87%91%E8%9E%8D%E5%8A%A0%E5%B7%A5%E5%B8%AB%E3%80%8D%E5%B4%9B%E8%B5%B7" rel="nofollow">不是詐騙犯，卻是鏈上關鍵：「金融加工師」崛起</a></li><li><a href="https://abmedia.io#%E5%A6%82%E4%BD%95%E6%B4%97%EF%BC%9F%E5%BE%9E%E5%8F%B0%E5%B9%A3%E8%AE%8A_USDT%EF%BC%8C%E5%86%8D%E5%BE%9E%E9%8F%88%E4%B8%8A%E8%92%B8%E7%99%BC" rel="nofollow">如何洗？從台幣變 USDT，再從鏈上蒸發</a></li><li><a href="https://abmedia.io#104_%E5%84%84%E8%A6%8F%E6%A8%A1%E6%80%8E%E9%BA%BC%E4%BE%86%E7%9A%84%EF%BC%9F%E6%B0%B4%E6%88%BF%E6%88%90%E4%BA%86%E8%A9%90%E5%9C%98%E6%A8%99%E9%85%8D" rel="nofollow">104 億規模怎麼來的？水房成了詐團標配</a></li><li><a href="https://abmedia.io#%E6%A1%88%E7%99%BC%E7%8F%BE%E5%A0%B4%EF%BC%9A%E5%86%B7%E9%8C%A2%E5%8C%85%E3%80%81%E7%AD%86%E8%A8%98%E6%9C%AC%E3%80%81%E7%84%A1%E5%90%8D%E6%88%B6%EF%BC%8C%E9%83%BD%E6%98%AF%E8%AD%89%E6%93%9A" rel="nofollow">案發現場：冷錢包、筆記本、無名戶，都是證據</a></li><li><a href="https://abmedia.io#%E6%B3%95%E5%BE%8B%E7%9A%84%E7%9B%B2%E5%8D%80%EF%BC%9A%E3%80%8C%E6%88%91%E5%8F%AA%E6%98%AF%E6%8F%9B%E5%B9%A3%EF%BC%8C%E6%B2%92%E9%A8%99%E4%BA%BA%E3%80%8D%E8%A9%B2%E4%B8%8D%E8%A9%B2%E5%85%A5%E7%BD%AA%EF%BC%9F" rel="nofollow">法律的盲區：「我只是換幣，沒騙人」該不該入罪？</a></li><li><a href="https://abmedia.io#%E9%80%99%E4%B8%8D%E6%98%AF%E5%80%8B%E6%A1%88%EF%BC%8C%E8%80%8C%E6%98%AF%E5%8F%B0%E7%81%A3%E9%87%91%E8%9E%8D%E5%9C%B0%E4%B8%8B%E7%94%A2%E6%A5%AD%E7%9A%84%E4%B8%80%E7%92%B0" rel="nofollow">這不是個案，而是台灣金融地下產業的一環</a></li></ul></nav></div><h2><span></span>不是詐騙犯，卻是鏈上關鍵：「金融加工師」崛起<span></span></h2><p>邱姓男子，40多歲，來自新竹湖口，曾在中國經商，近年轉行專職「幣水處理」。警方歷時半年調查發現，其帳戶與多起詐騙案受害人資金流向高度重疊，且交易中充斥大量 USDT（泰達幣）轉帳紀錄。儘管他未開設詐騙平台，也未與受害人接觸，但他正是詐騙產業背後最重要的金流節點。</p><h2><span></span>如何洗？從台幣變 USDT，再從鏈上蒸發<span></span></h2><p>此案最令人震驚的，是其極為成熟的「鏈上洗錢流程」。根據<a href="https://www.threads.com/@carolineyoung840hm7/post/DLmgkKppAdk" rel="nofollow">網路討論</a>，詐團先誘導受害人匯款至特定帳戶，邱嫌或其成員再以一對一或一對多的方式收購台幣，迅速換成等值 USDT。接著這些 USDT 經多層錢包與冷錢包轉移，有時使用去中心化交易所（DEX），最終匯入境外交易所，完成出金與洗白。整套流程幾乎無需人頭帳戶，隱密且難追蹤。這對警方來說，若無交易所配合，幾乎無法查到錢最後去哪裡。</p><h2><span></span>104 億規模怎麼來的？水房成了詐團標配<span></span></h2><p>根據刑事局資料，自 2023 年至 2024 年間，邱某共處理約 3.24 億個泰達幣，金額超過 104 億新台幣，平均每筆抽成約 1%，保守估計年獲利至少 7,000 萬元。</p><p>這不是一般幣商規模可比。警方質疑其背後是否有固定合作的詐騙集團、甚至是境外團隊分工合作，邱某可能只是「台灣端幣水處理站」，後方另有炒幣、分潤與轉倉機制支持，形成完整的地下清洗產業鏈。</p><h2><span></span>案發現場：冷錢包、筆記本、無名戶，都是證據<span></span></h2><p>警方突襲邱嫌住處時，查扣包括藍寶堅尼 Urus、Lexus LM 名車，百萬名錶、數十萬現金與兩顆 Ledger 冷錢包，更有十多本外籍護照副本與一本本記載著加密幣代號與轉帳金額的筆記本。</p><p>筆記中沒有名字，只有代碼：「HK1→USDT25k」、「PH→XMR8k」、「TW→EX出」。警方推測這些是境內外金流路徑代碼，目前已交由金流與鏈上分析專家協助還原資金流向。</p><h2><span></span>法律的盲區：「我只是換幣，沒騙人」該不該入罪？<span></span></h2><p>邱嫌在警訊中不否認操作事實，但辯稱：「我沒騙人，我只是換幣。」這句話讓辦案人員陷入思考：當犯罪產業鏈愈來愈分工，從騙人、金流、出金、甚至技術支援都可外包，「搬運幣」的人該如何定罪？現行洗錢防制法雖有規範，但對於類似無照 OTC 業者、鏈上匿名幣轉帳等仍缺乏明確處罰依據。</p><h2><span></span>這不是個案，而是台灣金融地下產業的一環<span></span></h2><p>這起事件打開了警方的視野，也暴露出台灣對加密幣洗錢打擊的制度缺陷。邱某的角色更像一位「金融加工師」，不是主謀，卻是串接上下游資金流最關鍵的一環。當未來詐騙集團不再直接管錢，連洗錢也可外包，打詐不再是抓詐團，而是斷整條供應鏈。而邱某，只是眾多看不到臉的「幣水工廠」之一。</p><div><p><span></span>風險提示</p><p>加密貨幣投資具有高度風險，其價格可能波動劇烈，您可能損失全部本金。請謹慎評估風險。</p></div></div>

他沒騙過一個人，卻洗了 104 億台幣：詐騙集團鏈上洗錢標配「金融加工師」崛起

A money laundering case involving virtual currency worth up to NT$10.4 billion recently shocked the Taiwanese police force. Although the suspect surnamed Qiu did not participate in any actual fraud, he helped the fraud group launder stolen funds through crypto mechanisms, earning an annual commission of up to NT$70 million. This case not only set a record for the highest money laundering amount in central Taiwan but also forced the police to re-examine the importance of the "transporter" role in the fraud chain.

Table of Contents
Toggle
- Not a fraud perpetrator, but a key link: The rise of "financial processors"
- How to launder? From New Taiwan dollars to USDT...

<div><p>A virtual currency money laundering case worth up to NT$10.4 billion has recently shocked the Taiwanese police force. Although the suspect, a man surnamed Qiu, did not participate in any actual fraud, he helped the fraud group launder stolen funds through crypto mechanisms, earning an annual commission of up to NT$70 million. This case not only set a record for the highest money laundering amount in central Taiwan but also forced the police to re-examine the importance of the "transporter" role in the fraud chain.</p><div><div><p>Table of Contents</p><span><a href="https://abmedia.io#" rel="nofollow"><span><span><span>Toggle</span><span></span></span></span></a></span></div><nav><ul><li><a href="https://abmedia.io#%E4%B8%8D%E6%98%AF%E8%A9%90%E9%A8%99%E7%8A%AF%EF%BC%8C%E5%8D%BB%E6%98%AF%E9%8F%88%E4%B8%8A%E9%97%9C%E9%8D%B5%EF%BC%9A%E3%80%8C%E9%87%91%E8%9E%8D%E5%8A%A0%E5%B7%A5%E5%B8%AB%E3%80%8D%E5%B4%9B%E8%B5%B7" rel="nofollow">Not a Fraud Perpetrator, but a Key Link: The Rise of the "Financial Processing Expert"</a></li>
[Rest of the translation continues in the same manner, preserving <> tags and translating all other text to English]</p><p>Crypto investment carries high risks, and its prices may fluctuate dramatically. You may lose all of your principal. Please carefully assess the risks.</p></div></div>

He didn’t cheat anyone, but he laundered NT$10.4 billion: The rise of “financial processors”, the standard for money laundering on the fraud chain

The cryptocurrency market stands at a crossroads, preparing itself for what will happen next. With the ongoing volatility of the financial landscape, Bitcoin ($BTC) has reached a condition of essentia...

Bitcoin Price Stagnation Signals a Massive Volatility Expansion Above the $71,000 Resistance Level

Monthly stablecoin volume reached $7.2 trillion in February 2026, surpassing the Automated Clearing House (ACH) network for the first time, which had $6.8 trillion.
ACH is an outgoing payment system...

Stablecoins have moved more money than the core US financial system.

President Trump's April 1, 2024 speech on the Iran conflict predicted another two to three weeks of intense military airstrikes, halting the brief recovery of the US stock market...