Fraud Friday: Queen Coin w/ Amy Aniobi & Grace Edwards

In this week's Fraud Friday, Laci is joined by Amy Aniobi and Grace Edwards (Insecure) to discuss Dr. Ruja Ignatova, the once-famed crypto genius known for her new currency, OneCoin, who ended up stealing nearly $4 billion before disappearing in 2017. Plus, a woman has been writing fake Russian history on Wikipedia for over ten years. Stay Schemin’! (Originally Released 08/08/2022) CONgregation, catch Laci's TV Show, Scam Goddess, now on Freeform and Hulu! Did you miss out on a custom signed Scam Goddess: Lessons from a Life of Cons, Grifts and Schemes book? Look no more, nab your copy here on PODSWAG Follow on Instagram: Scam Goddess Pod: @scamgoddesspod Laci Mosley: @divalaci Amy Aniobi: @amyaniobi Grace Edwards: @gracyact Research by Kaelyn Brandt SOURCES: https://www.sixthtone.com/news/1010653/she-spent-a-decade-writing-fake-russian-history.-wikipedia-just-noticedhttps://www.scmp.com/magazines/style/celebrity/article/3185141/inside-ruja-ignatovas-crazy-rich-life-missing-cryptoqueenhttps://www.thetimes.co.uk/article/the-4bn-onecoin-scam-how-crypto-queen-dr-ruja-ignatova-duped-ordinary-people-out-of-billions-then-went-missing-trqpr52pqhttps://www.scmp.com/magazines/style/celebrity/article/3184333/missing-crypto-queen-ruja-ignatova-new-anna-sorokin-shes?module=inline&pgtype=articlehttps://www.bbc.com/news/stories-50435014

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Speaker 00

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• 0:27Speaker 01

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• 1:01Speaker 01

  live in Levi's.

• 1:05Speaker 02

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• 1:50Speaker 02

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• 2:20Speaker 03

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• 2:50Laci Mosley?

  What's poppin', congregation? It's your girl, Lacey Mosley, AKA Scam Goddess. Welcome to an episode of Fraud Fridays, where we release older episodes from the Scam Goddess Vault. That's right, Fraud Fridays is where we bring back your favorite episodes from behind the paywall. Enjoy this episode from behind the paywall, and as always, stay schemin'.

• 3:33Laci Mosley?

  What's poppin', congregation? It's your girl, Lacey Mosley, and we're back with another installment of Scam Goddess, the show all about robbery, fraud, and those who practice it. Maybe we love 'em, maybe we hate 'em. Y'all know, I'm along for the ride, just like you. Guys, I'ma get right to it, the nitty gritty. With sugar, I put sugar in my grits. I don't want to fight about this. Guys, we have, you know what? Y'all know what I am. Go ahead and say it with me. Say it to your radio, say it to your headphones. Say it with your baby, who's hopefully streaming this episode at the same time in another room. Gimme them streams! I am so excited for today's guests, and I truly am. They are two queens, and I'm such a great get on the show. One of our guests is a writer, director, producer,

• 4:17Laci Mosley?

  best known for her work on the NAACP award-winning, Emmy-nominated HBO comedy series, Insecure.

• 4:25Laci Mosley?

  The other guest is a prolific writer, actor, producer, who's the creator of Joe A spin off of the iconic series Daria and she's also currently working on the upcoming Netflix series Survival of the Thickest. Come on, thicky, thick, thick. Together they host the podcast, The Anidote, which is real cute, y'all, and I just did an episode. You need to get into their podcast. It's so cute, so funny and uplifting. Congregation, please welcome Amy Annie Obie and Grace Edwards to the show. Hello.

• 4:53Speaker 05

  Hello.

• 4:54Speaker 06

  Hey.

• 4:55Laci Mosley?

  Oh, this is so great. I love having black queens on the show. Y'all look so moisturized.

• 4:59Speaker 06

  Thank you.

• 5:00Laci Mosley?

  What y'all got on y'all skin?

• 5:01Speaker 06

  Oh, just, just, just like every black person. I just dip myself in coconut oil every morning.

• 5:07Laci Mosley?

  What y'all been drinking? Holy water?

• 5:09Speaker 05

  Oh, yeah, definitely from Jesus himself.

• 5:11Laci Mosley?

  Have y'all seen that trend? It's called sledgeing, where now apparently the, uh, the white girlies on TikTok have discovered putting Vaseline and, and oil on your skin.

• 5:22Speaker 05

  Oh, they think they know.

• 5:23Laci Mosley?

  To keep it soft and moisturized. And then they gave it a new name. I said, so what we, so what we been doing?

• 5:28Speaker 05

  What?

• 5:29Laci Mosley?

  Why y'all always gotta rebrand it?

• 5:30Speaker 05

  Why you gotta rebrand it? Just, it's, it's just called smearing, smearing Vaseline on your face. Black mothers have been doing this since birth.

• 5:37Laci Mosley?

  That's my favorite scam, or least favorite scam, honestly, from, uh, our, our white brothers and sisters. Oh, God. But from white people, it's like, they love to take something that Negroes have been doing forever and they act like it's new and give it a new name. Boxer braids? Boxer braids? Not the hard art on the braids.

• 5:55Speaker 05

  I'm like, why'd you do that?

• 5:57Speaker 06

  Also, did you hear that this, uh, white woman invented silk bonnets?

• 6:02Laci Mosley?

  Oh, she was charging like a hundred dollars for the bonnets?

• 6:06Speaker 05

  I'm gonna go five bucks from Sally Beauty Supply.

• 6:08Laci Mosley?

  And I have a mixed girlfriend who, God bless her soul, you know, she has like, she has very, her hair is curly, but it's not kinky. You probably described it as like 3C, but it looks like fine, like white folks hair, but it tangles a lot because it's still got a lot of different textures in it. So she's been wrestling with that hair for a whole life. She had to fight like Miss Sophia. And so she broke down and tried out a hundred dollar silk bonnet. I said, baby, I could've gone, I could've gone to the beauty supply and got you this.

• 6:36Speaker 06

  Just go down to the hood.

• 6:38Laci Mosley?

  I was like, we ain't never gonna tell nobody. About this. I guess I just said it, but I won't tell nobody who it is.

• 6:43Speaker 05

  Only the listeners, only the entire congregation, but nobody else, nobody else.

• 6:49Laci Mosley?

  Only the hundreds of thousands of people down the shop, but that's it.

• 6:53Speaker 05

  That's it. Your secret's safe with us.

• 6:57Speaker 06

  It costs $2 at the beauty supply, girl. That's it.

• 7:01Laci Mosley?

  I mean, but I can't be mad at that grift. She got some people to buy them bonnets, you know.

• 7:05Speaker 05

  I mean, yeah, she's at home just like wise, like sad that her husband's not fucking her, sad that her kids hate her, sad that like all her best friends talk about her at church. So she's here being like, what can I do to feel great? And she made that bonnet.

• 7:17Laci Mosley?

  She made that bonnet, you know, and ran it up on the girls, you know.

• 7:21Speaker 06

  No, I feel like, you know what? My theory is that she went on a vacation. One black girlfriend saw that the black girlfriend wore a bonnet and was just like, wow, why do you do that? Then the black girlfriend explained it to her and she's like, huh, business idea. Woke up the next morning, bought some silk from, uh, what, Michael's craft store and mocked her up a little thing. And, you know, next thing you know, $100 bonnets.

• 7:51Speaker 05

  For labor.

• 7:53Laci Mosley?

  Right, for labor.

• 7:53Speaker 05

  It's because of the labor.

• 7:56Laci Mosley?

  She's like, this is from the finest silk. I pulled this right out the silk boot, the worm booty hole. Okay, fresh.

• 8:02Speaker 05

  They pooped it out and I sewed it.

• 8:04Laci Mosley?

  Right, literally. I pulled it out myself. Like, that's why it costs so much. But ladies, I have to ask you, individually, either of you can volunteer to go first. But we always ask on this show, what is your relationship with scams? You can love them, you can hate them. It could be as simple as that. If you've ever been scammed, feel free to share. This is a judgment free space, except for me. The listeners will judge me. And that's, I've accepted it now, the bullying. Uh, but yeah, it could literally be anything. A story, not, are you a scammer? If it's without the statute of limitations or, you know, outside of it, please share.

• 8:36Speaker 05

  Oh, yeah. Yeah. Wait, wait, wait. Grace, what were you gonna say? You seemed ready. You seemed ready.

• 8:41Speaker 06

  Oh, yeah, yeah. I, yeah, I thought about this. Um, well, uh, I am very good at recognizing scams. People have tried to scam me, but guess what? They can't get me. Okay? So, uh, I have two short examples. So.

• 8:59Laci Mosley?

  Now you're just a challenge. Don't say that to this audience.

• 9:01Speaker 05

  I'm like, I'm a Virgo. I like to figure things out.

• 9:06Speaker 06

  So I was on a dating site called Coffee Meets Bagel.

• 9:10Speaker 05

  Oh, yeah.

• 9:11Speaker 06

  It's like, uh, a one. And so this handsome white man, uh, messaged me and was just like, "Hey, girl," and I was just like, "Oh, he's kinda cute," or whatever. Ah, talk to him. And so, uh, next thing you know, he's telling me that he works on an oil rig. And because he works on a, a oil rig, he says that, so, you know, when he's in town next, he wants to take me on a date. And I don't know, something didn't sit well with me about him talking about working on an oil rig. So I did a reverse Google image search. Turned out that this dude, uh, was scamming women all over the internet,

• 9:54Speaker 06

  talk about working on an oil rig, because then what he'll do is he'll, like, start messaging you back and forth and then building intimacy and everything like that. And then what he does is eventually, like, three or four months in, he asks you for money.

• 10:09Speaker 05

  Ah, wait, but why does the oil rig do it?

• 10:12Laci Mosley?

  But oil riggers get paid a good amount. He ain't scooping up the oil up, taking it home, selling his own gas.

• 10:18Speaker 06

  Okay, so I actually have, I know people that work on oil rigs, and you have to be on the oil rig for like three, four months at a time. So when the dude is saying, "Oh, I can't see you," or whatever, he's catfishing you with somebody else's picture, or whatever. "Oh, I can't see you, I'm on this oil rig." I'm on the rig.

• 10:36Laci Mosley?

  You don't have reception at the rig?

• 10:38Speaker 06

  And then when I came back, and when I come back, I'mma take you on a date. So I was just like, so I reported him to Coffee Meets Bagel, and I added to the story that was on Reddit about him.

• 10:50Speaker 05

  It was, it was on Reddit? This man was out there like, "That's..."

• 10:54Speaker 06

  Yeah, yeah, I dodged that one. I dodged that one.

• 10:57Speaker 05

  Wow, he's sloppy with it.

• 10:59Laci Mosley?

  That's a new technique, though, reverse image search, uh, girls, they's, them's.

• 11:05Speaker 05

  I've only done that for furniture. I've never done that for scammers.

• 11:09Speaker 06

  I've never done that for people, but that's a good idea. And I'm on the Coffee Meets Bagel website, because I was always trying to figure out what their...

• 11:15Laci Mosley?

  Vibe was and they say

• 11:17Speaker 06

  Bad, bad.

• 11:18Laci Mosley?

  Damn, they say what we do? We create meaningful connections that spark hearts and inspire people to share themselves authentically and enthusiastically. Every day at noon, receive quality matches curated just for you by our ever going algorithm. Not the algorithm giving, I don't know if the algorithm has love for me.

• 11:40Speaker 05

  I don't trust that rhythm.

• 11:42Speaker 06

  They directed me straight into a scammer.

• 11:45Laci Mosley?

  Yeah, the algorithm might be on the one and the three. I don't know if, if it's really giving rhythm. If it's really giving beats, you know? The algorithm sounds like a PWI at a stadium all clapping, trying to stay on beat.

• 11:58Speaker 05

  Clapping real wrong.

• 11:59Laci Mosley?

  It's just never gonna happen.

• 12:00Speaker 06

  It sounds like the white team and bring it on. You know what I'm saying?

• 12:03Speaker 05

  Exactly, exactly. Kirsten does has the algorithm down. I'm like, that's not okay. That's not okay.

• 12:10Laci Mosley?

  Oh, well, I'm sorry that happened, but I'm also glad that you had the intuition to search this person and see if they were really. Yeah, you really do have to go with your gut. And also, if they were working on an oil rig, they weren't in the same state as you, right? Because aren't those like in Texas and like?

• 12:26Speaker 06

  Well, I was in New York at the time, so I mean, I guess it could have been off the coast of New York.

• 12:32Speaker 05

  But I'm, but I'm curious, like, what was, I, I kind of missed, like, what was the tell? Was it that he said, I work on an oil rig that you were like suspicious? Let me find you?

• 12:41Speaker 06

  Yeah.

• 12:42Speaker 05

  You were already like peaked?

• 12:44Speaker 06

  I was already peaked because I was, he's like, I'm gonna be on this oil rig for three to four months. And I was just like.

• 12:48Speaker 05

  The one you mentioned, you mean, okay, I see.

• 12:50Laci Mosley?

  Right. You're not available.

• 12:51Speaker 05

  I just asked a question.

• 12:52Speaker 06

  Yeah, I'm just like, mm, so I, I just gotta be having a pen pal for three to four months. Let me see, you know?

• 12:59Laci Mosley?

  Yeah, why are you trying to like establish a relationship and then give it ample opportunity for us to have what feels like a connection? But not actually meet in person to verify that this is, you know, real.

• 13:12Speaker 06

  It's a catfish, you know what I'm saying? Because it, like, he, that guy's picture has been used in many different scams.

• 13:18Laci Mosley?

  Oh, so that's not even his photo?

• 13:19Speaker 06

  Handsome. No, no, no, it's not his picture.

• 13:21Speaker 05

  So that's, it's literally giving, what's that Netflix show with the scammers?

• 13:25Laci Mosley?

  Tinder Swindler?

• 13:26Speaker 05

  Yes, it's giving Tinder Swindler.

• 13:28Speaker 06

  Tinder Swindler, exactly. The guy kind of looked like him.

• 13:31Laci Mosley?

  Was actually taking his girls on a jet at least.

• 13:34Speaker 06

  He was at first.

• 13:35Laci Mosley?

  Pursuing.

• 13:36Speaker 06

  Yeah, he did meet them in person, yeah.

• 13:38Speaker 05

  They at least got something out of it. That first girl was like, we fucked on that one.

• 13:45Laci Mosley?

  So, uh, what is it, mile high? You better get me some mile high dick, okay?

• 13:49Speaker 06

  She at least got some dinners, some nice dinners, you know what I'm saying? Like.

• 13:54Laci Mosley?

  She got some Instagram posts, like, on the PJ, in my PJs.

• 13:58Speaker 06

  Exactly, and then later she got to sell all his shit.

• 14:01Laci Mosley?

  True.

• 14:02Speaker 05

  That was the other girl, that was the other girl, cuz that was the smart one. The first girl was a little too dumb for me, no offense, like, I never wanna blame the victim, but she was like, "I was looking for romance on Tinder and we fucked on night one, and, um, and then he didn't call me for weeks and then he asked me for money and I figured it was true love." And I was like, "Wait."

• 14:17Laci Mosley?

  Oh, no, didn't call you for weeks and then asked you for money? Look, I understand getting dick down at thirty-five thousand feet, okay? Do it, okay? Sounds great.

• 14:25Speaker 06

  Sounds like a hero to me.

• 14:27Laci Mosley?

  What's the cabin pressure like up there? You know, cushy cabin pressure?

• 14:30Speaker 05

  Easier to call my bed, because, you know, it's light air. You know, you get excited quicker. That's all flowing, it's first class.

• 14:37Laci Mosley?

  And doesn't it even count if I'm not, like, if I'm a butt of stratosphere? Like, did we even really?

• 14:41Speaker 05

  No.

• 14:42Speaker 06

  Also, I wonder, you know how you cry more on planes? I wonder if like.

• 14:46Laci Mosley?

  What?

• 14:47Speaker 06

  You know, like.

• 14:48Laci Mosley?

  Wait, no planes are that great, like, what are you talking about?

• 14:50Speaker 06

  That is like a scientifical fact, or whatever.

• 14:53Speaker 05

  What scientifical?

• 14:54Speaker 06

  Okay, that people end up crying more on planes. It has something to do with the air pressure. So I wonder if that translates.

• 15:02Laci Mosley?

  You mean like their eyes are watering or they're crying? I've never cried on a plane.

• 15:05Speaker 06

  I cry on every plane I've ever been on.

• 15:08Speaker 05

  Wait, maybe you found.

• 15:09Laci Mosley?

  Is this your own research study?

• 15:10Speaker 05

  Yes, I'm like, I think you think you're a scientist because you just started this scammer. And now you're believing your own hype.

• 15:16Speaker 06

  I'm just saying, like, every, like, any movie on a plane, it could be fucking, I don't know, with some action movie with The Rock, like, five minutes in, I'm just sobbing.

• 15:26Laci Mosley?

  Wait, what? Wait, so now you're watching a movie?

• 15:28Speaker 05

  Grace, why do I know this about you?

• 15:30Laci Mosley?

  Are you on the plane watching a movie?

• 15:32Speaker 06

  No, yeah, uh, watching a movie, like, any movie can just get me. Like, I'm, I'm slow to cry on the ground, you know what I'm saying?

• 15:41Speaker 06

  Ground tears dry.

• 15:44Speaker 06

  Tears dry.

• 15:44Laci Mosley?

  I'm a thug on the ground.

• 15:46Speaker 06

  Dead inside on the ground.

• 15:48Laci Mosley?

  Like a thug. I'm emotional in the sky.

• 15:51Speaker 06

  You know, but in the sky, shit. What did I watch this last time? Encanto. Just a waterfall.

• 15:57Laci Mosley?

  But that makes sense.

• 15:58Speaker 05

  That's a sad movie.

• 15:59Speaker 06

  But I'm saying on the ground, it would have made me cry.

• 16:02Speaker 05

  Like, so you're saying if you watch like Top Gun in the sky, you'd just be like weeping?

• 16:05Speaker 06

  Yep.

• 16:06Speaker 05

  I like, don't understand. I've watched sad things in planes that make me cry, but there are always things that I'm like, were I grounded, I would also cry. I'm only like, it's the same.

• 16:18Laci Mosley?

  Grace is therapy. She gets on the plane and watches Putin tank.

• 16:20Speaker 05

  She takes travel.

• 16:21Laci Mosley?

  Has a quiet cry.

• 16:23Speaker 06

  I'm just saying, I think there's the five typical.

• 16:28Laci Mosley?

  Now I'm gonna fly right back. I'm actually gonna get back. I'm gonna stay on the plane.

• 16:31Speaker 05

  Just need a good cry.

• 16:34Speaker 06

  Just releasing my emotions in the sky.

• 16:36Laci Mosley?

  Grace is sick of us.

• 16:37Speaker 06

  Like literally, literally like my mask is just soaked with my tears.

• 16:44Speaker 06

  By the way, the only one wearing a mask on the plane now.

• 16:48Speaker 06

  Same.

• 16:48Speaker 05

  That's why I'm crying. That's literally why I'm crying.

• 16:52Speaker 05

  I'm on the plane terrified for my life. I'm like, I'm getting COVID from all of you hoes and my mask is wet.

• 16:57Laci Mosley?

  Literally fighting for our lives on the planes. Fighting for our lives. I, I love that. I love that you didn't get caught. But listen, if you've been caught up by a romance fraud, it happens to the best of us out there. Cause that's elevated, you know, when you're looking for love, like we all, that's why we call them red flags. And I've said this a billion times before, but we might ignore some things that normally we wouldn't. Cause we're like, oh, I really, this person seems nice or I really want a connection or I'm lonely. And then, you know, you miss signs that you normally, you know, if you're dating multiple people, then you're not really as concerned about the one and what they're up to and, you know.

• 17:31Speaker 05

  Yeah, you got two, three, four and five right there.

• 17:32Laci Mosley?

  You're not as invested.

• 17:33Speaker 06

  That's why you gotta keep, keep a rotation, you know what I'm saying? So you don't get invested, you know?

• 17:38Speaker 05

  Yeah.

• 17:41Speaker 07

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• 18:25Speaker 07

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• 19:10Speaker 03

  I'm Malcolm Gladwell, host of Smart Talks with IBM. I spoke with Dr. Laura Jayhai of Cleveland Clinic about how advanced computing is helping shorten the path from medical discovery to treatment.

• 19:23Laci Mosley?

  The moment that there is a compound that someone in a lab thinks it would be effective to treat a certain disease, it takes about 10 to 13 years from that moment to when that drug is on a shelf for a patient. A big part of that gap could be computationally solved. Better simulation of compounds, designing drug trials that are more efficient, that would finish faster. That was the motivation to bring computational tools and technology closer to biomedical researchers.

• 19:58Speaker 03

  Learn more about how Cleveland Clinic and IBM are using AI and quantum computing to revolutionize biomedical research at ibm.com/smarttalks.

• 20:14Laci Mosley?

  And we're back. And now, let's, okay, so Amy, we have to ask you as well before we move into the what's hot and fraud portion of the show, what is your relationship with scams?

• 20:23Speaker 05

  Well, here's the crazy thing, Lacey, like I'm Nigerian, like scams are part of my culture. So it's just like, literally that part of me, like we grew up, literally, I would get 519 letters or 419 letters, sorry. And I would like send them to my parents, like, do we know him? You know, I was always checking. I was like, is this a cousin? Is this an uncle? Like, oh, no, they could be fam. And my dad would respond, like, honestly, he'd be like, like, Obi Kawina. Oh, yeah, that, that might be on the father's side, but we're not close, so don't respond. And I'm like, okay. And I'm like, okay. And then after a while, you learn that they're scams. And I think my relation to scams is that because I'm Nigerian, I should not get caught up. But every person in my family has been scammed.

• 21:07Speaker 05

  Everyone has been scammed. And I feel like I'm the last to go. I get scammed on low level. I recently got scammed on a low level. And I'm like, we all get scammed. And I'm like, what is it? We're Nigerian, we should be above this.

• 21:19Laci Mosley?

  All the branches in the family tree. Now, wait, low level scam, what happened? Are you at liberty to say?

• 21:25Speaker 05

  This one's too close. It hasn't concluded. So I'll share, I'll share my family scams, though. I'll share, I'll put my family on blast.

• 21:31Laci Mosley?

  Okay, and then we all switch on your friends.

• 21:33Speaker 05

  Exactly, I'm gonna switch on everybody. So literally, both of my parents have sold Amway. My mom has sold Mary Kay, all the MLMs. You know, they're all basically scams. My brother once told me about a new type of internet that I needed to explore. And all I need to do is get five of my friends. Online and then he would be elevated and I was like, you ain't elevating nowhere.

• 21:53Laci Mosley?

  Not a whole new internet.

• 21:55Speaker 05

  A whole new internet.

• 21:56Laci Mosley?

  It ain't W W. We actually, we doing V V V. It looks like W W W type thing.

• 22:02Speaker 05

  Exactly. It's W V.

• 22:05Speaker 05

  I was like, what?

• 22:06Laci Mosley?

  It's six Vs.

• 22:07Speaker 05

  And the hardest part is when you're listening to a family member tell you something that you immediately know is a scam. You don't wanna be, you don't wanna cut them off and like, treat them wrong. So you have to just listen? And you're hearing, and I'm like, how does the internet work? Well, well, well, the thing is, the thing is because like, you know, because the chords, so like basically we send you a box. And inside the box and you're like, you are saying nothing that makes sense. You are stringing words together, but it doesn't make any sense. So.

• 22:34Laci Mosley?

  And that, that's one of the easiest ways to tell if something is suspect. Is if someone can't explain a concept to you like you're a five year old, then either they don't know what they're talking about or what they're talking about is fraudulent. Because people who are trying to convince you to get into something that is as confusing as they can make it sound. The easier it is to rope you in, but everything can be explained pretty simply, even if it's a complex thing. Like, oh, okay. If you're a heart surgeon, you're like explaining how you repair an artery. You can tell people like, we open up someone's heart, we use a vein from somewhere else, we replace something that's blocked.

• 23:08Speaker 05

  Lacey's a heart surgeon.

• 23:09Laci Mosley?

  Right, but even though I don't know all the details of heart surgery, I can, you know, you can explain it to somebody in a way that's tangible and understandable. But I have friends who work in crypto who have been like, explain crypto to me like a child. Over and over and over again. I'm like, simpler, simpler, simpler. And they're like, well, then when you get into these kind of stratospheres in the blockchain. And then what we should really do is to do, and I'm like, the reason that this is so confusing is because you're like, purposefully being obtuse.

• 23:34Speaker 05

  Yeah.

• 23:35Speaker 06

  Yeah.

• 23:35Laci Mosley?

  Even though I don't think that your family member was trying to be obtuse, I'm sure that they were explaining it to them the way that it was explained to them.

• 23:42Speaker 05

  Yes.

• 23:42Laci Mosley?

  Which then make no damn sense.

• 23:44Speaker 05

  That. And so, I mean, that's the thing. I'm like, if you can't explain it clearly to me, then it means it was not explained clearly to you. Which why didn't that give you a red flag? Why didn't you have a red flag at that moment?

• 23:55Laci Mosley?

  Financial freedom.

• 23:58Speaker 05

  Would you like to work for yourself? Like, that's how it always starts, too. They're always like, would you, could I give you an opportunity to be your own boss?

• 24:07Speaker 06

  Nobody ever works for themselves off of an ad. Like, it's just never happened in human history. You know what I'm saying?

• 24:17Laci Mosley?

  And working for yourself sounds so sexy. And yes, there are perks. Half the time, I'm working for myself and then I also work for companies. But working for yourself also means, like, you never stop working. Like, you could be working at 8:00 P. M. You could be working at night. You gotta just get shit done when it needs to be done, which isn't always fun. Sometimes it's great to just like, I, I get envious of nine to fives all the time. You go to work, you do your shit, you leave it, you don't have to think about it no more.

• 24:41Speaker 05

  You clock out.

• 24:42Laci Mosley?

  That's the thing about scams is like, if people are just trying to sell you the dream, why are they trying to sell it to you? Think about that, too, because if the money's that good, if they're that independent, when has anybody in America been selfless enough to get somebody else involved in something that's making them tons of money when they could just make more with less?

• 24:58Speaker 05

  I want to share it with you. I want to bring you into the family. I still remember when I first moved to L. A., Mona V., that like, a side drink was like a huge scam that everyone was doing. They're like, come to a party, there're gonna be celebrities there. And then, you know, you're just gonna leave with a case of Mona V. And then you sell it to your friends. And I'm like, wait, that's a scam. They're like, don't you want to come to the party? And you do want to go to the party. You do want to go to the party.

• 25:22Laci Mosley?

  Katy Perry gonna be there. I always find if there's a scam going on, Katy Perry is somehow in books.

• 25:28Speaker 06

  That reminds me of like, I don't know if you guys were living in New York at this time, but in New York, sometimes they used to like hang out outside of, you know, when I was in grad school, they used to hang out outside of the college campuses. And they would sell you like a package to get your hair done, your nails done, your makeup done, all for like...

• 25:48Laci Mosley?

  What?

• 25:49Speaker 06

  Yes.

• 25:50Speaker 05

  Is this a scam?

• 25:51Speaker 06

  All for a set price. But I'm sure it wasn't a scam for white girls, but for black girls? I, I was just like, I was just like, do you have someone that does black hair? And they're like, yeah. I show up at the fucking salon.

• 26:04Laci Mosley?

  That did not sound confident.

• 26:05Speaker 06

  Yeah, yeah, yeah, totally. We do everybody's hair.

• 26:08Speaker 05

  Yeah, that's a color we know.

• 26:09Speaker 06

  So I show up at the thing or whatever. You know, I was doing my natural hair at the time or whatever, doing little twist outs and stuff.

• 26:16Speaker 05

  I love that you tried it.

• 26:17Speaker 06

  I had her, she, she literally washed my hair. My hair, I didn't even know my hair could feel like a Brillo pad, but it did. Whatever products they used on my poor little black scalp and my poor little black strands. Uh, it took.

• 26:34Laci Mosley?

  She had you with that, like you could have took it, you could have took it to a pan that really needed like scrubbing.

• 26:39Speaker 05

  Let's add some Dial soap to her hair and just rub it in the pan.

• 26:42Speaker 06

  I did, I did scrub out my kitchen a little bit, you know, because I smoked my hair. Might as well take advantage of this. But yeah, it was wild. I was just like, they scammed me. They got like $200. I could get my nails done and stuff like that.

• 26:55Speaker 05

  $200?

• 26:57Speaker 06

  Yeah, I had to pay all this money for them to ruin my hair.

• 27:00Speaker 05

  As a college student, that's a million dollars.

• 27:01Speaker 06

  Yeah, I mean, because they made it seem like, oh, you get your hair done. You get a massage, you get, you get your nails done, you get a facial.

• 27:06Speaker 05

  Did you get those other things?

• 27:08Speaker 06

  Yeah, I got the other things, but the, oof, the hair, the hair thing.

• 27:12Laci Mosley?

  Was the massage given? Was the facial, facial in or?

• 27:15Speaker 06

  Um, the massage was fine.

• 27:17Speaker 05

  But by that point, your hair was ruined, so you couldn't even enjoy it.

• 27:20Speaker 06

  Yes, it was like, I was angry. So I was just like, I gotta get the rest of this value. So I just come into the salon, just mad.

• 27:27Speaker 05

  You better rub my shoulders.

• 27:27Speaker 06

  And then just like my shoulders up to my neck, just, you're trying to be like, you're really tense, Grace.

• 27:33Laci Mosley?

  I wonder why. It's because I was recently scammed.

• 27:36Speaker 06

  Right.

• 27:38Laci Mosley?

  I love getting scammed, but then being like, no, but I didn't get my money's worth. So I am going to go back for the other procedures.

• 27:44Speaker 06

  Got to get the other procedures for my whole $200 that I got for my refund for my student loan.

• 27:51Laci Mosley?

  Not the Denzel, I'm leaving with something.

• 27:55Laci Mosley?

  Yeah.

• 27:55Speaker 05

  Even if it hurts me.

• 27:57Laci Mosley?

  Right. No, the massage was, I was bleeding a little bit after the massage. Listen, I was gonna get it. I was gonna get it.

• 28:03Speaker 06

  You know, I thought I was gonna look fire. I had a little boy, I had a crush on, I was just like, ooh, I'm gonna get this hair done.

• 28:09Speaker 05

  No, no. But it's one of those things that while you were in the seat, as your hair was brillo padding up, you were like, the way she said, "Yeah," in that part, I should have known. I should have known. When I asked, "Can you do my hair?" And she blinked and went, "Yeah." I should have known.

• 28:25Speaker 06

  Yeah, that was, that was that 20s.

• 28:27Speaker 05

  You're kicking yourself.

• 28:28Laci Mosley?

  And the year was too fast. She didn't, she didn't have any question, follow-up questions. Like, oh, what are you trying to get? You want braids? You want a crest? You want shit? You want a twist out? Nothing. She was just like, "Yeah."

• 28:39Speaker 06

  Yeah, yeah, we did black hair.

• 28:41Speaker 05

  Blacker the better.

• 28:44Speaker 06

  And the thing is, I called before too. I called before and I was just like, so y'all have somebody black to do my hair? And she's like, "Yeah." And then I showed up and it was like, there's too many of these short hair.

• 28:54Speaker 05

  Like, there's a very tan white woman.

• 28:57Speaker 06

  Like, the straightest hair I've ever seen in my life. Not a little bend. There is, there is nothing back in her ancestry.

• 29:05Laci Mosley?

  Humility don't do shit to her.

• 29:06Speaker 06

  Scandinavia.

• 29:08Speaker 05

  She's like, "I once walked through Bed-Stuy. Does that count?"

• 29:12Laci Mosley?

  Yeah. I have a black friend.

• 29:17Speaker 05

  I have eaten hot sauce and chicken wings.

• 29:20Laci Mosley?

  Right.

• 29:21Speaker 05

  I'm qualified, right?

• 29:23Laci Mosley?

  Oh, goodness gracious. And it's time for What's Hot and Fraud. This is where we warn our listeners about scams that are popping in the zeitgeist. But you know, these days, we just get a letter from you guys, as always, snitch on your friends and family and enemies at [email protected]. Just make sure the scam is retired so we don't what? Yes, fuck up yo' bag. Uh, Amy Grace, I need a fake name for this person. We don't care about gender. It's a construct. It could be anything.

• 29:48Speaker 06

  Corona.

• 29:49Laci Mosley?

  Oh, no!

• 29:50Speaker 06

  Virus.

• 29:54Laci Mosley?

  Not Coco.

• 29:56Speaker 05

  Yeah Coco.

• 29:57Laci Mosley?

  Coco. Alright, so it says I waited tables for several years in my hometown of Austin, Texas. And since I lived in North Dallas and Richardson for a year, and since then I've been um filled with central Texas chauvinism. What does that mean? I don't know what that means. So Coco said they waited tables in North Dallas. As you know, waiting tables itself is a scam. Yes, literally tipping comes from slavery. Um, the restaurant only gives two dollars an hour and every table is a gamble on whether or not you get paid. And then tipping out half of the staff, the most blatant con. Yes, you know, I busted and wait, and not busted, but I waited tables and busted my ass doing so and bartended. I I switched over to bartending because then you don't have to be as like, nice.

• 30:40Laci Mosley?

  Like waiting tables, everybody can just spit on you and shit on you. You just gotta take it because you want your tips. But when I'm the alcohol man, when I'm between you and the alcohol, we used to be like, shut up bitch.

• 30:53Laci Mosley?

  The rock.

• 30:57Laci Mosley?

  We was crazy as hell. If people didn't tip, we'd be like, that motherfucker didn't tip? Don't serve him no more. I was bartending in New York and we was crazy.

• 31:05Speaker 05

  That's amazing.

• 31:07Laci Mosley?

  I worked at nicer places after that and I got it together, but we were still, we were still uh, you know, owner of the drinks. So everyone had to suck up to us if they wanted a cocktail. Just stand at the bar like, please sir. And I'd be like, in a minute. You can wait.

• 31:23Laci Mosley?

  And you better tip. Like, yes, we were, love it. Love that. Um, so every now and then I would do something that's fairly common in the industry, a little scam called floating. However, when telling newer servers about it, I just called it a life hack. I would preface it by saying that most restaurants will fire you if they catch you doing this. So keep your head on a swivel and don't push your luck. Now, I will say Coco, you are really nice because if I'm running the scam, I'm definitely not training no new people to do it when they just found out.

• 31:51Speaker 06

  That's how you fuck up the bag, you know what I'm saying?

• 31:53Laci Mosley?

  Right. What if they throw me, what if they throw me on the bus when they get caught? What if they're like, oh, I was taught this was a part of the business and Lacey told me to do it? Like nah.

• 32:01Speaker 05

  I don't want that. But then I'd be like, where you have that in writing? I told you nothing.

• 32:05Laci Mosley?

  Right. I didn't, I never said that. I never told them to scam. But it's too much in a POS system that can be tracked. So what you're not gonna do is, is uh, catch me up in it. So basically, the floating, this is what floating is.

• 32:19Speaker 05

  Okay.

• 32:19Laci Mosley?

  Basically, if a table paid with cash, I wouldn't cash them out on the POS system, which is point of service system for you guys who don't know. It's just where they type in all the stuff and ring it up and send it to the kitchen, etc. So I would calculate their change and give it to them, and then I'd wait for them to leave. Once they left, I'd open up their ticket on the system, split an item off of their bill, and then cash them out, keeping the difference as a part of the tip. And now floating is just called theft, but I do appreciate the rebrand.

• 32:46Speaker 05

  Yeah, I'm like, wait a second. That's a rebrand. That's a rebrand.

• 32:50Laci Mosley?

  I'll do the day money to me.

• 32:52Speaker 06

  So if you do that like ten times a night, you could get like extra two hundred dollars or something like that.

• 32:59Speaker 05

  Wow.

• 33:00Laci Mosley?

  So this only works if an item that you split off is something that the kitchen doesn't make, like coke, coffee, soup, dessert, etc. That way, another table, because if you sit, if it's something that the kitchen makes, if you refire it, it's gonna go to the kitchen and they're gonna get the ticket and they're gonna make the item again. So you can't do it for things that are going to the kitchen, but if it's going to the bar and you're just moving it over, no one, none's the wiser, right? Especially if it's something that you could get yourself. So coffee, tea, soda, all that stuff, a lot of restaurant servers go get that themselves, and then anything alcoholic would be made behind the bar.

• 33:32Speaker 05

  Mm-hmm. And it's not something they're counting. It's not like whole chicken, and it's like, well, we knew we had a hundred forty of those, so.

• 33:39Laci Mosley?

  Exactly. It's like soda pop and coffee and things that we would just get for ourselves during our shifts anyway. So this was one great scam because the customer had already parted ways with that money, the restaurant gets paid for their goods, which are already overpriced, and I got another inch closer to making rent for my shoebox apartment. I hate Austin very much, as in parentheses, yeah.

• 34:00Speaker 05

  Oh no, I like Austin.

• 34:01Laci Mosley?

  I like Austin, but I will say they brag too much about the food. I tried so much food there and I was like, this is not good.

• 34:06Speaker 05

  No, it's limited. It's limited. It's really like the breakfast tacos, the torte cheese, and then the barbecue. Like, everything else is like, forget it.

• 34:12Laci Mosley?

  They're just putting sauce on a lot of stuff.

• 34:14Speaker 05

  Yeah, it's just real saucy. Mm-hmm. I agree.

• 34:17Laci Mosley?

  So, if anyone else ordered that item and I couldn't float it, I would just go ahead and pay for it with cash. Um, so, okay, that the original customer left. So if they couldn't steal, they were like, ah, well, take that. I guess I get the money back to the company. Okay, so that's how you keep me clean.

• 34:34Speaker 05

  Mm-hmm. Wow, that involves a lot of work.

• 34:36Laci Mosley?

  Right.

• 34:37Speaker 06

  Yeah, that seems stressful.

• 34:38Speaker 05

  Yeah.

• 34:39Laci Mosley?

  Right? But at the end, Coco says that, I mean, I would just be back to where I started originally if I had to pay the difference. And so, nothing to lose, everything to gain, baby. That's a quote. "Since it was mostly lower-priced items, the reward would only be two to five dollars at a time. But sometimes I would get bold and split off a whole entree, wait until the end of my shift, and then tell my manager that I messed up and needed to comp it, and then bam, an extra twenty dollars coming my way."

• 35:04Speaker 05

  Wow.

• 35:05Laci Mosley?

  "Money aside, the real reward was getting won over on my rich-ass employers who paid their waiters next to nothing to do grueling and often thankless work." Smiley face. "Tip your waiters twenty percent and pay in cash if you can, and then order a coffee and give them a knowing wink." Ah!

• 35:20Speaker 05

  Ah! I'mma do that. I can do that. I can do that. I want to help out waitstaff. I used to work in a restaurant too, and it is a thankless job.

• 35:29Speaker 06

  And I do not drink coffee, but I will give, I will order it and then be like, wink, wink.

• 35:34Laci Mosley?

  Let me get a coffee.

• 35:35Speaker 05

  They're like, why are you blinking to me like that? I'm like, oh, you're an honest one. Get away from me. Send your friend, send your friend.

• 35:40Laci Mosley?

  Scram. Bring that shady-looking waiter over here. We want them waiting on this. Yeah, the one who keeps looking side to side.

• 35:47Speaker 05

  Stop money falling out of their pockets.

• 35:49Laci Mosley?

  Right. Bring him over here. He gonna, he gonna do us right. He gonna, he gonna scam it up good.

• 35:54Speaker 06

  The one with the shifty ass.

• 35:55Laci Mosley?

  So if you're scamming big companies and you're scamming up, especially if they're paying you two dollars an hour, which is criminal. I'm assuming this was like, not now, because I'm pretty sure you have to pay more than that.

• 36:05Speaker 05

  Dear lord, I hope so.

• 36:06Laci Mosley?

  I'm never gonna be mad at that.

• 36:08Speaker 06

  No, I'm not gonna be mad with Waitstaff.

• 36:10Laci Mosley?

  You go Coco.

• 36:12Speaker 06

  They put up with so much bullshit. Like, I've seen people be so mean to them and, you know, they're often on their feet like all day, you know, yeah.

• 36:22Laci Mosley?

  My ankles would be swollen after double shifts, like working concrete floors and we had to wear heels. Like, it was, yeah, it was crazy. But a lot of times too, people feel like when they go to restaurants, this is their one opportunity to be like the lord over the serfs. And so they're like very particular and extra and constantly sending things back and complaining and being rude. And it's like, stay your ass home. Like, this is a mutually beneficial situation. You are not better than this person who's waiting your table, and they're not better than you. You are each helping each other get something that you need. And that's how you need to look at it. So if you come in here trying to flex and be an asshole, and I'm the worst, I'll call your shit out. I hate when people try to pay for big tabs and flex in front of everybody and then short me on the tip. And

• 37:04Laci Mosley?

  I will come back and be like, hey, I saw that there was, and I'd be loud too. One time somebody threw money at me.

• 37:11Speaker 06

  Wait, wait, tell this to a boy. I need to hear this story.

• 37:14Laci Mosley?

  So it was like a big group of people that's having this big party. They all flashy dressed, you know, got on all the dimes, the Cartier, the labels and whatever. And this guy's like, I got dinner tonight. And everybody's like, woo, so he pays. And then doesn't leave any tip. So I come back, and this is what I would do, because I was never gonna take that. I would come back and I'd be a little too loud. And I'd be like, hey, I think there was a mistake here because you didn't leave any tip with what you paid. It is nothing. Did you drop, did I drop it or where? I would just be real loud.

• 37:43Speaker 06

  I love this, Lacey.

• 37:44Laci Mosley?

  And this guy was so embarrassed, wasn't he? He just like threw $200 at me and was like, get out of here. And I was like, okay.

• 37:51Speaker 05

  Rubbery.

• 38:32Speaker 07

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• 39:14Speaker 07

  Carry on with fewer attacks and ask your doctor about Extensure. Learn more at extensure.com or call 1-833-393-3678.

• 39:25Speaker 03

  I'm Malcolm Gladwell, host of Smart Talks with IBM. I spoke with Dr. Laura Jayhai of Cleveland Clinic about how advanced computing is helping shorten the path from medical discovery to treatment.

• 39:38Laci Mosley?

  The moment that there is a compound that someone in a lab thinks it would be effective to treat a certain disease, it takes about 10 to 13 years from that moment to when that drug is on a shelf for a patient. A big part of that gap could be computationally solved. Better simulation of compounds, designing drug trials that are more efficient, that would finish faster. That was the motivation to bring computational tools and technology closer to biomedical researchers.

• 40:12Speaker 03

  Learn more about how Cleveland Clinic and IBM are using AI and quantum computing to revolutionize biomedical research at ibm.com/smarttalks.

• 40:28Speaker 05

  Wait, so like, what is your stance on the Jay-Z tip? Do you remember this? When Jay-Z had like a $27,000 dinner? And then he tipped the waiter? I can't remember the price. It was like a $27,000 dinner? And he tipped the waiter like $1,000? And people were like, yo, that's not 20%. And then, no, I think he tipped 2,000. And then they're like, that's not enough. But then some people were like-

• 40:51Laci Mosley?

  That's like less than 10%.

• 40:52Speaker 06

  That's less than 10%.

• 40:53Speaker 05

  But some people were like, it's still 2,000. They're like, it's still a lot.

• 40:57Laci Mosley?

  No, because it needs to be proportionated to the amount that you purchased. Because a lot of times, if you spend $20,000 or $27,000 on a dinner, yes, everything is overpriced and very, very expensive. However, that's indicative of what that person sold to you, who was the server? Who a lot of times, if, depending on how high in the restaurant is, you're a salesperson, you have to know everything about the menu. You have to know what pairs well, you have to know what people like, what they want. Also, like, if it's a $27,000 table, I bet you there was more than one server, there was tons of maintenance being done on the table to make sure the experience was good. If you owe 20%, you owe 20%. So if you ballin', then you ballin'. Like, you can't scale it down.

• 41:33Speaker 05

  Yeah, why you half ballin' when you can't ballin' on Jay-Z? Also-

• 41:36Laci Mosley?

  And a lot of these people get out of touch after a while.

• 41:38Speaker 06

  I will never forgive him for what he did to my queen.

• 41:40Speaker 05

  Exactly. I'm like, so I'm mad. I was like, oh, that is a really big tip. And I was like, Jay-Z did this? Pay up! I was just mad automatically because I'm like, he a cheater.

• 41:50Laci Mosley?

  Right. It's, look, we love Beyonce so much that we just, we tolerate that man. I be going to the on-the-run concerts and then when it be just him, I be like, mm. And then when she come back out, I be like, yay!

• 42:04Speaker 06

  I'm just like, Beyonce, if you like it, I love it, I guess.

• 42:07Laci Mosley?

  Right. So, a Negro who neither likes nor loves it. But we love you, so whatever you say, queen. Whatever you say.

• 42:13Speaker 05

  Whatever you say, whatever you say.

• 42:14Laci Mosley?

  We'll do it. You say you forgave that man, it was-

• 42:16Speaker 06

  I guess we gotta forgive him too.

• 42:18Speaker 05

  We forgiving him too, I don't know. Okay, lemonade, make lemonade out of lemons, okay.

• 42:22Laci Mosley?

  Okay, yeah. We said, nah, the lemonade taste good, but you know, we still know how it was made.

• 42:28Speaker 06

  What was, what was you gonna break my soul about, okay?

• 42:31Speaker 05

  Yeah, exactly, exactly. I really wanna know. I need the answers. Because we were, Grace and I were driving and we put on a Beyonce playlist and literally the number of songs that Beyonce has that are like, clearly like, he's cheating on me, y'all. Like, from "If I Were a Boy" to "Jealous", to like, and you're just like, oh, she was-

• 42:48Laci Mosley?

  Resentment.

• 42:49Speaker 05

  Crying for help. They're all crying for help. And we're like, oh no, our queen is in trouble. And we were just, we were just like jiving in the club.

• 42:59Laci Mosley?

  That's why I always love that viral tweet that was like about that song that's like la da dee da da da. And somebody was like, that woman was saying she's homeless. And we were just dancing like she's homeless. Yeah, she's homeless.

• 43:17Laci Mosley?

  Like this woman is singing about this woman being homeless. And we're like, it's a bop, she's homeless.

• 43:23Speaker 05

  She's homeless, I'm gonna twerk it down to the ground, pick it back up. We need to help her. We get the same thing to that, that what would you do, lady? What would you do if your son was at home? Was like crying on the floor. And we're like, ow, ow. Cause he's all three and the only way to feed him is a A. With a man with a little bit of money and his dad is gone.

• 43:44Speaker 05

  Yes, yes, yes. I'm like, that song is like one of the saddest songs and one of the happiest bops. Right, and we're like, ay, ay.

• 43:55Laci Mosley?

  Oh, my favorite thing is learning what songs are about. That one was pretty clear, but then you're like, oh, we had the wrong response. Like Kiss from Rose on the Grave was about cocaine.

• 44:03Speaker 05

  Yes, I was like, okay, see you.

• 44:05Laci Mosley?

  Wait, people were putting that song at funerals. We thought it was like, yah, yah, yah, yah. You know, we're thinking this is sentimental, this is about cocaine. Cocaine? That was two days old.

• 44:15Speaker 05

  Well, let's, I mean, Arms of an Angel, Arms of an Angel, the Sarah McLachlan song that's on all the dog commercials. That one's also, it's about heroin.

• 44:23Laci Mosley?

  It's about heroin?

• 44:24Speaker 05

  Yes, it's about addiction to heroin. She's like, I'm in the arms of the angel far away from here. She's high as fuck, y'all.

• 44:32Laci Mosley?

  Oh my goodness.

• 44:34Speaker 05

  Literally, like, why is it on those dog commercials?

• 44:37Laci Mosley?

  I thought that song was about a little phyto in a, in a dog.

• 44:40Speaker 05

  No, wait, y'all was two days old when y'all found out about this?

• 44:42Laci Mosley?

  Yeah, I thought it was just like, you know, just like, oh, the, like, you're, you're spiritual and you're thinking about angels. And the animals are the angels.

• 44:52Speaker 05

  It's about her doing heroin. Or maybe her man doing heroin, someone in her life doing heroin.

• 44:57Laci Mosley?

  Well, we have to move on, cause now we are completely derailed. This episode's about to be long as hell. All right, guys. Get into historic hoodwink.

• 45:08Laci Mosley?

  We flying away from that and we going into historic hoodwink. But dual businesswoman Dr. Raja Ignatova was on the path to become the next famed crypto genius with her new cryptocurrency called OneCoin.

• 45:23Speaker 05

  What is that?

• 45:24Speaker 06

  OneCoin.

• 45:25Laci Mosley?

  Through the currency, she took nearly four billion dollars from people and disappeared in 2017. Okay, she's a baddie.

• 45:32Speaker 06

  Four billion?

• 45:35Laci Mosley?

  Yeah, with a B.

• 45:38Laci Mosley?

  Okay, and this is her.

• 45:42Laci Mosley?

  She got a little body, it's giving four billion.

• 45:45Speaker 06

  It's giving. It's giving lip injections.

• 45:49Laci Mosley?

  Lip injections aren't cheap, okay?

• 45:51Speaker 05

  Yeah, she has to pay for them somehow, but literally, no, she got full hair, she got a rack, she got her nails done.

• 45:58Speaker 06

  Kardashians.

• 46:00Laci Mosley?

  Kardashian light, yeah, Kardashian light, natural, yeah, somewhat. So about Raja.

• 46:08Laci Mosley?

  Dr. Raja, so she a doctor, born on May 30th, 1980, I'm pretty sure that's a Gemini, in Bulgaria. She moved to Germany with her family when she was 10 years old. She earned a law degree from Oxford University, come on, smart, and a PhD in private international law from the University of.

• 46:27Laci Mosley?

  Konstant in Germany. She then went on to work at McKinsey and Company, a global management consulting company that brought her into the world of international finance. Raja began hearing more about cryptocurrency in the craze in 2014. And that's when she founded her own currency called OneCoin.

• 46:47Speaker 05

  Found a currency, she went mining, she did the thing, like, oh, I gotta get my.

• 46:51Laci Mosley?

  No, you can make your own currency and then you can release shares of it and people can, or not shares, but you can release the coin and people can purchase the coin for whatever the initial offering value is and then get involved with it.

• 47:05Speaker 05

  Here's what I'm gonna say, the website says OneCoin cryptocurrencies is unique, safe, global, and with no risk of. I'm sorry, but if you are safe, you shouldn't have to say you're safe. I'm sure that this is the old website.

• 47:20Laci Mosley?

  I've never known anything financially to have.

• 47:22Speaker 06

  No risk inflation. That's bullshit right there.

• 47:26Speaker 05

  That's a lie. That's two lies. It might be unique and it might be global, but the other two, I call bullshit.

• 47:31Laci Mosley?

  She said, do you want to be your own bank? I know you're ready to be your own boss, but have you ever thought of being your own bank? Okay, get involved.

• 47:40Speaker 05

  I made up money. Do you want some?

• 47:41Laci Mosley?

  Do you want some? And people are doing this. That's what the original Bitcoin, you know, is. And we still know who that man is.

• 47:48Speaker 06

  Yeah.

• 47:48Laci Mosley?

  Dogecoin, people, a lot of people have made up coins. They're making their own money. Uh, but essentially you can't, for legal reasons, call it your coin or what you're making. Basically, you're offering a coin to the market, but you cannot say that you own it or that you invented it. There's like very tricky language that they're getting around, being sued with.

• 48:07Speaker 05

  Okay.

• 48:07Laci Mosley?

  So since then, right. She claimed it was a simpler and safer alternative to Bitcoin and dubbed her currency the Bitcoin killer. Okay, fashion killer Bitcoin killer.

• 48:21Speaker 06

  You better brand yourself, bitch.

• 48:23Speaker 05

  I'm starting to like her. Rujia, was that her name?

• 48:25Laci Mosley?

  Yeah, Rujia.

• 48:28Laci Mosley?

  All you needed to purchase it was some money, send to a bank account and you'll receive them in a personal online account, which a lot of times are called wallets. Like many other fledging currencies at the beginning of the crypto gold rush, one coin took off. Cause now you know, when Bitcoin got popping, everybody was like, well, it's too expensive to buy these coins. Now, anybody else trying to come up with a hot new coin? You know, that's how we ended up with Dogecoin and how we ended up with, um, what's that one that starts with an E, um?

• 48:54Speaker 05

  Oh, Electron. No.

• 48:56Laci Mosley?

  I was gonna call it Experian.

• 48:58Speaker 06

  No, Ethereum.

• 48:59Laci Mosley?

  Ethereum. It was almost Experian. Lacey, you were so close. Ethereum. So yeah, that's how we ended up with coins like this. According to the leaked documents, British people spent almost 30 million euros, which is about 30.6 million USD, uh, at the time, because the euros going down in value.

• 49:16Laci Mosley?

  I shouldn't be happy about that, but I've been praying on the euros downfall. Like I can go to the selfish now.

• 49:20Speaker 05

  Yes.

• 49:21Speaker 06

  Oh my God, I was just in Amsterdam. I cleaned up. Cause it's the same. It's the same.

• 49:26Laci Mosley?

  Right, cuz it used to be very aggressively different. Yeah, close to. The pound's always been close to double and then when I was living in the UK, the euro was like 1.3 to the dollar. So, but now, now we're even. So, between August 2014 and March 2017, more than four billion euros, about four billion USD, were invested in dozens of countries across the world. It was marketed as one of the most accessible currencies in the world and Rujah claimed that it was on track for everyone to make payments everywhere. Now, I will say that decentralized banking has been beneficial and also predatory because decentri- like, everybody doesn't have a bank. Like, you know, in America, like, we have banks, like, and even people in America, a lot of people don't have banks here.

• 50:09Laci Mosley?

  You know, there are barriers to entry, there's poverty tax, there's, you know, overdraft fees. Like, there's a lot of ways for banks to take your money before you even use it. So, Bitcoin allowed for everybody to have a currency that wasn't in a bank, where they were taking interest or they were taking, I mean, you know, potentially not giving you interest or potentially giving you fees and maintenance fees and shit. It's like, back in America, what are you doing online that you need to charge me a maintenance fee for my account?

• 50:34Speaker 05

  Literally what?

• 50:36Laci Mosley?

  Yeah.

• 50:36Speaker 05

  It's all automated.

• 50:37Laci Mosley?

  Right, just finding ways to take your money. So, rich American investors wired tens of thousands of dollars while small families in Ugandan villages sold their family animals to open one coin accounts. So, decentralized is supposed to mean it's accessible to everyone who has internet.

• 50:53Speaker 05

  No.

• 50:54Laci Mosley?

  Yeah.

• 50:54Speaker 05

  That makes me sad.

• 50:55Laci Mosley?

  And obviously, the people with the least resources always end up taking the most risks in these situations and usually don't get the benefits. So, Rujah herself held glamorous events across the world to promote her crypto, including Lundby's Wembley Arena. She done run it out, Wembley!

• 51:09Speaker 05

  What? Is that where Wimbledon is?

• 51:12Laci Mosley?

  Yeah, she said, "Move over Serena, y'all done playing titties, put them, put them rackets up. We got a Bitcoin event."

• 51:18Speaker 05

  Put them down!

• 51:19Laci Mosley?

  Tell them little boys who shag the balls they can stay. Put some Katoa the uniforms on. We got an event tonight.

• 51:24Speaker 05

  Oh, boy, jeez.

• 51:26Laci Mosley?

  Oh, my god. She was known for dressing in expensive ball gowns, jewels, and bright red lipstick to drive up the point that she represented luxury. And you could have some too. Okay, she's, I don't know, this is luxury.

• 51:38Speaker 05

  That is not luxury and also her face is a different color than her arms, so.

• 51:43Laci Mosley?

  That looks like a Kings and Yara dress. Yeah, she was like, "Maybe if I just wear a long dress."

• 51:48Speaker 05

  We really turned on Rujah.

• 51:51Speaker 06

  One bad outfit, we're just like, you know what? Uh, we're over, it's over.

• 51:55Speaker 05

  We've seen one bad outfit and we're like, get out of here. But also, what's with the earrings?

• 52:00Laci Mosley?

  Yeah, the earring, girl, the full representation of like celebrity, we were like, oh yeah, she's everything. Now we're like, get out of here. We were just ugly ass, she looked like Belle from Beauty and the Beast.

• 52:11Speaker 05

  Exactly. It's giving Beauty and the Beast.

• 52:13Laci Mosley?

  Right, discount Belle, it's giving great value Belle. You be talking to silverware, she be talking to plasticware, yes.

• 52:20Speaker 06

  Going to Chinatown. Girl, you better take some of that money and go down to Fendi.

• 52:25Laci Mosley?

  Right, hire a stylist, baby boo, because I don't know where you're shopping, but this ain't it.

• 52:30Speaker 05

  This ain't it, this ain't it, and it's wrinkled, oh no, girl.

• 52:32Laci Mosley?

  Yeah, this look like a bridesmaid gown you give to like women you hate, but like put it in your wedding.

• 52:37Speaker 05

  I require that you wear yellow. It's like, that's like really rude.

• 52:41Laci Mosley?

  So investors were wooed by her numerous degrees and copies of Forbes magazine with her portrait on the front cover. The Forbes cover she touted was actually an inside cover, paid for by ad from Forbes Bulgaria. So she was like, oh yeah, this is a cover, it was the inside and she had paid for it.

• 52:59Speaker 05

  Everyone was like, why can't I find that an issue? Why can't I find that issue?

• 53:02Laci Mosley?

  Right.

• 53:03Speaker 05

  Oh, it's a limited issue for the rich, the rich, the richest people have it.

• 53:07Laci Mosley?

  Right, it's on my Instagram, what you mean? It's right there.

• 53:09Speaker 05

  Look at it, you can't see the spine.

• 53:11Speaker 06

  She look cute again here.

• 53:12Speaker 05

  You can't see the spine on the magazine.

• 53:14Laci Mosley?

  Oh yeah, you can't see the spine.

• 53:15Speaker 05

  That's how you know it's on the inside. Look right next to it, it's a Bulgarian watch.

• 53:19Laci Mosley?

  It's not giving shiny either. Yeah, you can actually see that it's the inside of the magazine, she's like cropping it up.

• 53:25Speaker 06

  Oh man.

• 53:27Laci Mosley?

  I love a good Photoshop moment. So few understood blockchain at the time and even fewer questioned it. The blockchain is a type of database that differs between like typical databases and the way that it stores information. The way that I always say this is like, think of blockchain like a long CVS receipt. So when you buy and sell coins, people can make commission off of the blockchain from selling it and like, it's bad for the environment because then computers require a lot of energy to constantly be printing out these long, long receipts and keeping track of all this information. Um, with Dr. Ruj's help, the price of one coin jumped from forty-three pence in twenty fifteen, or fifty-eight US cents, to about ten pounds or twelve USD by twenty seventeen. So in three years, she had made a jump. That's

• 54:10Speaker 05

  So she's rich enough to buy a different dress. Like she don't have to wear that

• 54:13Laci Mosley?

  Right. It's not giving the jump. So the problem was, is that it was all made up and the numbers didn't matter. Oh yeah, that's a big problem. It's all made up.

• 54:23Speaker 05

  That's a good point.

• 54:25Laci Mosley?

  We had one minor issue. It was all fake.

• 54:29Laci Mosley?

  It's a little issue.

• 54:29Speaker 05

  None of the money was real.

• 54:31Laci Mosley?

  So miracle cryptocurrencies are predatory in a number of ways with promises that you'll get rich fast or that even the most discerned, so like even discerning users fall victim to this because this is a new frontier. It either could be amazing and work really well, or it could just be fraudulent and scammers know that. One coin was no exception, except it also sold itself as a multi-level marketing scheme.

• 54:52Speaker 05

  Oh, so it was one of those like, oh, you just bring in five friends, just like I was talking about. My parents would fall for this, damn.

• 54:59Laci Mosley?

  Well, now you can tell them. Now that, now they'll never, yeah. And if you don't remember what MLMs are, basically, how you make money in MLM is you bring more people in. So the more people that you can get and invest, you get a commission off of everybody that you can rope into the scheme. So Rujah recruited some of the top MLM sellers in the world with a 10% commission incentive. One of these was Igor Alberts, and we have a picture of Igor with his wife.

• 55:21Speaker 05

  Oh, let's see.

• 55:22Laci Mosley?

  Simbala.

• 55:23Speaker 05

  Simbala? His wife's name is Simbala? That's beautiful.

• 55:26Speaker 06

  Oh, no.

• 55:27Speaker 05

  Oh, no, his child bride? Like, wait a second.

• 55:30Laci Mosley?

  Oh, no, let's zoom in. Oh, no.

• 55:32Speaker 05

  She was very young.

• 55:34Speaker 06

  Why does everyone dress so poorly?

• 55:37Laci Mosley?

  Yeah.

• 55:38Speaker 05

  Andrea Simbala, what is this? Also, why is he wearing wrapping paper, like gift wrap, as his outfit?

• 55:42Laci Mosley?

  It's like, if we're gonna do crypto, we gotta dress like 2000s rappers and...

• 55:47Speaker 06

  Oh, it's so stunning.

• 55:48Speaker 05

  Yeah, and what dreams are these? This place looks like a nightmare. It says House of Dreams.

• 55:52Speaker 06

  It's all red and black. What the fuck?

• 55:54Laci Mosley?

  Yeah, we're draggies.

• 55:55Speaker 05

  Scary.

• 55:56Speaker 06

  Yeah, that looks like the entrance to hell.

• 56:00Laci Mosley?

  Right.

• 56:01Speaker 05

  Igor.

• 56:02Laci Mosley?

  It's like, what if we did a towel? Towel restaurant, but gothic.

• 56:06Speaker 05

  Yes, yes, it is towel in Vegas, it's very that.

• 56:10Laci Mosley?

  Yes.

• 56:11Speaker 05

  But his wife looks very youthful and he looks very, mm, not that.

• 56:14Laci Mosley?

  Not youthful. Oh, she's over here posing.

• 56:18Speaker 05

  They don't match. And she's wearing fur and he's wearing plastic, like, they don't match.

• 56:21Laci Mosley?

  What weather is it?

• 56:23Speaker 05

  It's winter.

• 56:24Speaker 06

  And why are the shoes, it's just, oh, a fur with just some?

• 56:29Laci Mosley?

  You would not convince me these people are rich.

• 56:31Speaker 05

  Oh, no.

• 56:33Speaker 06

  No.

• 56:33Speaker 05

  These two are not rich.

• 56:35Speaker 06

  Shoes. Yeah, I, yeah, I don't know what's happening.

• 56:37Speaker 05

  Can't buy style, I'll tell you that much. You either have it or you don't.

• 56:40Laci Mosley?

  Yeah, that's true. Money can't buy you class, as the Countess said. So being at the top of the pyramid, Igor, like many others with a massive downline, became rich immediately. We made in our first month almost ninety thousand euros out of nothing. Bang, that's a quote. Rich's genius was that she tapped into the massive infrastructure that already existed through little to no effort on her part, because she's recruiting all these people who already been doing this scam. She was like, let me reach out to the criminals in the community.

• 57:08Speaker 05

  Wow.

• 57:10Speaker 06

  Wow.

• 57:10Speaker 05

  She did it.

• 57:11Laci Mosley?

  I imagine these interviews.

• 57:12Speaker 05

  She is a bad bitch.

• 57:14Laci Mosley?

  Right. She had all the friends. I love it. You gotta work across. You gotta work with everybody you know. So if you know other criminals, you get them involved in your criminal enterprise and lift one another up.

• 57:23Speaker 06

  Lift each other up.

• 57:25Speaker 05

  I know one thing, make the support our friends.

• 57:26Laci Mosley?

  Scam together.

• 57:30Laci Mosley?

  Girl boss.

• 57:30Speaker 05

  Into the scam.

• 57:33Speaker 06

  Well, you know, the fact that she's a woman, I, I, it doesn't offend me as much. I have to be.

• 57:37Speaker 05

  I gotta be honest, same.

• 57:39Laci Mosley?

  And in private, she referred to this as the bitch of Wall Street meets MLM. That's what she would tell people in private. That was her sales pitch.

• 57:46Speaker 05

  Oh, wow. And people were like, salt.

• 57:49Laci Mosley?

  Right, that's a great one liner. The bitch of Wall Street meets MLM, I'm intrigued.

• 57:53Speaker 05

  I'm like, okay, so you're making money. Yes.

• 57:57Laci Mosley?

  So, a woman further down the line named Jen McAdam was brought in via webinar, which convinced her to invest a thousand euros to start. You're not getting me online.

• 58:06Speaker 05

  You don't invest over a webinar. You do not, you do not commit millions over a webinar.

• 58:12Speaker 06

  Give me gullible.

• 58:13Laci Mosley?

  Oh, yeah, that bayang is, it's not good.

• 58:18Speaker 05

  Oh, my gosh, it's a look.

• 58:19Laci Mosley?

  Right, and these underlights, I mean, there was a time where the underlights were happening and we couldn't stop them.

• 58:26Speaker 05

  I do love the bow on her shirt, I'm gonna be honest, like, she took a white shirt and she, she really, yeah, the pussy bow was cute. I'm like, she tried, she's on TV, she's trying to be impressive.

• 58:35Laci Mosley?

  She is, there's a whole background behind her, she's, she's giving, I'm rich. Oh, wow, way to, way to sell crypto.

• 58:42Speaker 05

  It's crypto.

• 58:44Laci Mosley?

  You know we doing it for real, because we got zeros and ones behind us, okay, that's computer language. We speak computer.

• 58:52Laci Mosley?

  Bitch, we fluent in Macintosh, what about you?

• 58:54Speaker 05

  What about you?

• 58:55Laci Mosley?

  Trust us. Vous voulez vous cocher avec computer?

• 59:01Laci Mosley?

  Parlez-vous la computer? Okay.

• 59:06Laci Mosley?

  That code is trying to tell y'all it's a scam. Right, run away.

• 59:10Speaker 05

  If you could really parley computer, you would know it's a scam.

• 59:14Laci Mosley?

  How do we look like we work a computer, zeros and ones, everyone? Yes, put Ctrl+Alt+Delete behind me. That's gonna let them know.

• 59:24Laci Mosley?

  You will, you will give one dollar, you will get back zero.

• 59:27Speaker 05

  Exactly, that's what the zeros and ones mean.

• 59:30Laci Mosley?

  That's what the language is meaning.

• 59:31Speaker 05

  Zero for you, one more for me.

• 59:32Laci Mosley?

  Right, you give us ones, we give you zeros? Yes. So then promoters started saying that the larger packages were life-changing, which was enough to convince Jen to buy the 5,000 euro package, which was the Tycoon package. Over the webinar, Lacey? Yes. No. Jen soon had 10,000 euros invested of her own money and convinced friends and family to invest, invest 250,000 euros of theirs.

• 1:00:00Speaker 05

  Wow, I'm disappointed.

• 1:00:02Laci Mosley?

  Similar tight-knit communities were targeted, British Muslims were told that one coin was compliant with the Islamic law, and ultra-orthodox Jewish groups in London were convinced to invest from their community treasuries. Oh, my gosh. So she had tentacles in all communities.

• 1:00:19Speaker 05

  In religion.

• 1:00:21Laci Mosley?

  And how is she saying that this coin? Is similar like how can she be like, oh yeah, this works for the Islamic community or Muslim communities. This also works for, uh, you know, Orthodox Jewish communities, also Christian. Do you, are you a pagan? Do you worship the devil? This also works for wiccans. Y'all in astrology, get on board.

• 1:00:41Speaker 05

  It works for y'all too.

• 1:00:42Laci Mosley?

  Your Saturn return.

• 1:00:43Speaker 06

  So turn it over in your brain for one fucking second. Be like, you know what? Um, it might not apply to my religion because it was made up this year.

• 1:00:54Speaker 06

  You know what I'm saying? I don't think Jesus or Allah or anything has to say anything about this thing because.

• 1:01:00Laci Mosley?

  You don't think they were trying to get involved in cryptocurrency?

• 1:01:03Speaker 05

  In zero B C, in zero A D.

• 1:01:06Laci Mosley?

  Doesn't B C just stand for before Bitcoin?

• 1:01:08Speaker 05

  Before crypto?

• 1:01:10Laci Mosley?

  Before crypto? Yeah.

• 1:01:12Speaker 05

  Hold on. I think he was on the cross being thou shalt invest in crypto.

• 1:01:16Laci Mosley?

  Crypto.

• 1:01:17Speaker 05

  The eleventh commandment.

• 1:01:20Laci Mosley?

  We have enough room on the rock to get the crypto one on there.

• 1:01:23Speaker 05

  Better ask the crypto one.

• 1:01:24Speaker 06

  She like an evil genius. I mean, she's just, she exploited like three different religions.

• 1:01:29Speaker 05

  Alone too.

• 1:01:30Laci Mosley?

  Religion two have literally fought each other and still fight each other violently over their principles. What you know what brought them together?

• 1:01:38Speaker 05

  They got one coin.

• 1:01:40Speaker 06

  So I just wanna know, uh, when we, uh, making our own coins.

• 1:01:44Speaker 05

  Literally. Should we start our own currency?

• 1:01:47Laci Mosley?

  What's our coin gonna be called? Queen coin.

• 1:01:50Speaker 05

  Queen coin. I like queen coin.

• 1:01:52Laci Mosley?

  Queen coin.

• 1:01:53Speaker 05

  I like queen coin. It sounds like the clink of coins hitting a table. You know, like in a bag.

• 1:01:58Laci Mosley?

  Queen coin.

• 1:02:00Laci Mosley?

  And that's what you gonna hear when you invest, y'all.

• 1:02:02Speaker 05

  Oh, queen coin.

• 1:02:03Laci Mosley?

  Get on open C. We on there.

• 1:02:05Speaker 05

  We on there.

• 1:02:06Speaker 06

  We'll take your dollars.

• 1:02:07Speaker 05

  And give you zeros.

• 1:02:10Laci Mosley?

  Have you ever wanted to turn your money into nothing?

• 1:02:14Speaker 05

  Invest in queen coin.

• 1:02:16Laci Mosley?

  Everybody was talking about turning your money into something, but what about turning it into nothing?

• 1:02:20Speaker 06

  This is how we gonna get reparations.

• 1:02:22Speaker 05

  This is how, this is how. She got money on a webinar. We can get money on a podcast.

• 1:02:28Speaker 05

  Guys, invest in queen coin. Just go to [email protected].

• 1:02:35Laci Mosley?

  Oh goodness. So when a good Samaritan and crypto expert Timothy Curry reached out to Jen with bad news, she was obviously dismayed. It turns out while salespeople were recruited to scam others, Dr. Rujah was scamming them. Even though those at the top had no idea that OneCoin didn't have a payment system or possessed a blockchain technology, which is an essential

• 1:03:00Speaker 06

  They didn't even have a blockchain?

• 1:03:01Laci Mosley?

  Nope.

• 1:03:02Speaker 06

  Nobody checked her math?

• 1:03:04Laci Mosley?

  Nope, the math never math. Mm-mm. Nobody ever tried to put the ones or the zeros together and see if they made a

• 1:03:09Speaker 06

  Oh shit.

• 1:03:10Laci Mosley?

  A coin.

• 1:03:10Speaker 06

  Oh man, people just be believing people. I, I don't believe anybody.

• 1:03:14Speaker 05

  No, I don't believe nobody.

• 1:03:16Laci Mosley?

  So Tim and Jen's first Skype meeting ended in a shouting match. And there's a video, uh, it's kind of indecipherable a little bit, but eventually he was able to convince and share information with her on the reality of the scheme. So he's trying to tell her like, girl, this ain't what you think it is. We are being robbed and we're also robbing people. And she was so deeply invested that she didn't want to believe it. And I can only imagine if you broke your friends and family into a scheme that takes $250,000 from them, you're kind of alienated from your friends and family after that. Cause I'm not talking to you no more. This reunion, Jen, don't come.

• 1:03:44Speaker 05

  Yeah, you can't be here. Yeah, you're off the well.

• 1:03:47Laci Mosley?

  She's like, I brought the potato salad. Look, we don't want it.

• 1:03:49Speaker 05

  We don't want it. I'm sure it's got raisins in it. Get out of here.

• 1:03:52Laci Mosley?

  Scram, Jen. So Jen reached out to OneCoin, asked them about their blockchain technology. And the response that she got was, okay, Jen, they don't want to disclose that kind of information. And plus as an application, it doesn't need a server behind it. So it's our blockchain technology, an SQL server with a database, which I don't know what any of that means.

• 1:04:12Speaker 06

  What? She was just like bleep blurp bloop.

• 1:04:16Laci Mosley?

  Right.

• 1:04:16Speaker 06

  Boop, boop, boop, boop, boop, boop, boop.

• 1:04:20Laci Mosley?

  I got a response that just says beep boop beep. It's spelled out beep boop beep boop.

• 1:04:24Speaker 06

  Boop boop pop. That's how we do it. And then she said, sign here to give more money?

• 1:04:30Laci Mosley?

  So the problem with, that's why you're not making money, you're not putting enough money into the blue

• 1:04:37Speaker 05

  Jen, that's on you.

• 1:04:38Laci Mosley?

  You sounded broke Jen, that's what it is.

• 1:04:40Speaker 05

  Oh, you complaining that you lost 10 million?

• 1:04:43Laci Mosley?

  Yeah, we don't do that at OneCoin.

• 1:04:46Speaker 06

  Oh, I'm sorry, I didn't know you were on a budget.

• 1:04:48Laci Mosley?

  Right. Every company that don't want to pay you, oh, you need your money now? Oh, that's crazy. You don't got none? Why you don't got none?

• 1:04:56Speaker 05

  That's not like a you problem.

• 1:04:58Laci Mosley?

  Right. And the problem with an SQL database, which is an unsecured database for storing and structuring data, is that it could be changed at will by the manager of the database, meaning that the manager could make the rapid inflation look like whatever they wanted to. So they can make it look like the coin is rising, it's falling, it's oscillating. Because basically the database that everybody's clocking into to see how their money is doing, is just somebody on the other side like, what do we think the money worth today?

• 1:05:22Speaker 06

  Oh my god.

• 1:05:24Laci Mosley?

  Show of hands, which I, we feel like it's $12 today, it's 13?

• 1:05:27Speaker 05

  Let's say that.

• 1:05:29Laci Mosley?

  We don't want to make it too much and then people gonna want to divest. We got to slowly inch it up and appreciate it.

• 1:05:33Speaker 06

  Yeah, because then people, if it goes high too soon, people want to sell some of it. And you don't want to give the money to them.

• 1:05:40Laci Mosley?

  Exactly. So Jen said, I thought, what? And literally my legs just went and I fell on the floor. Not you falling on the ground to your knees.

• 1:05:52Speaker 05

  On the ground, you weak bitch?

• 1:05:55Laci Mosley?

  Yeah, oh lordy Jesus. So how Rujah spent the money that's clearly she's stealing? So Rujah was traveling the world, hopping from Macau to Dubai to Singapore to Grace arenas with lavish ball gowns. We saw the ball gowns, they were not given lavish, but okay. Luring more investors. She used her fast growing fortune to buy multimillion dollar properties in the Bulgarian capital and the Black Sea. She had shit in resorts. Yep, she wanted to float. Uh, in Bulgaria alone, the value of her properties topped 12 million dollars. So she wasn't even saving any of this money from the Ponzi scheme. She's blowing it as soon as she gets it. She bought a luxury 145 foot yacht called the Davina. Where she would throw parties and invite pop stars such as Bibi Rekha to perform.

• 1:06:39Laci Mosley?

  Come on Bibi getting the scam coin.

• 1:06:41Speaker 05

  Wow, go ahead.

• 1:06:42Laci Mosley?

  She also purchased a four bedroom flat in Kensington, London and complete with like a swimming pool. And she had Andy Warhols and all types of shit.

• 1:06:51Speaker 05

  Damn bitch. Wow, she was spending it.

• 1:06:54Laci Mosley?

  And the paintings were stuffed into cupboards, which is a classic sign of money laundering. Okay.

• 1:07:00Speaker 05

  Oh, because you, you have to spend it. You can't put the money in a bank. So you're just like buying shit.

• 1:07:05Laci Mosley?

  Mm hmm. So that, that way you can't prove where the money, like you can write it off and also where the money came from. So her apartment's porter remembers her lavish shopping trips, describing her two bodyguards. These poor men came in behind her like overloaded donkeys, struggling and out of breath with twenty bags each.

• 1:07:22Speaker 05

  I'm not calling the men donkeys.

• 1:07:23Laci Mosley?

  Right. Work a man though, work a man. So this is how it all comes down. As OneCoin grew, Dr. Rucha began promising that investors would soon be able to cash in, selling their coins for their accounts for real money on a public exchange, and finally converting their inflating earnings to millions in euros. But the exchange kept being delayed and investors started worrying. So people would be like, hey, when are we gonna be able to get our money out? She's like, soon, soon, soon. Come on the yacht, Bibi Rekha back. She's singing that song. Y'all know that song she sing.

• 1:07:50Speaker 05

  Uh, getting into it. Buy another fur. Don't worry, you gonna be able to cover it later.

• 1:07:56Laci Mosley?

  So in October twenty seventeen, Rucha was scheduled to speak to a large audience for the European OneCoin investors in Lisbon and tell them when they would finally get their money. She never came.

• 1:08:07Speaker 05

  Uh, okay.

• 1:08:10Laci Mosley?

  Two weeks before she had boarded Ryanair.

• 1:08:14Speaker 05

  Not Ryanair. She has twelve houses. She has Kensington Gardens. Why she not flying private?

• 1:08:23Speaker 05

  Why she, why she, why she in a crate in the sky? Like why?

• 1:08:26Laci Mosley?

  Because they probably don't keep good flight logs. She was like, who gonna let me fly and not ask no questions? Ryanair.

• 1:08:33Speaker 05

  This flight cost nineteen cents. We asked nothing. If you ask nothing of us.

• 1:08:38Laci Mosley?

  Exactly. You don't ask about Ryan?

• 1:08:41Speaker 05

  Ryan won't ask about Rajah.

• 1:08:43Laci Mosley?

  Ryan won't ask about Rajah. Okay, we on the same thing, okay? So according to, uh, Rucha, but according to a blockchain expert, Rucha never expected OneCoin to take off the way that it did. It grew out of her control too quickly and when she tried to close it down, dark forces wouldn't let her. Dark forces like a yacht? Dark forces like mansions?

• 1:09:02Speaker 06

  What you even talking about?

• 1:09:03Speaker 05

  Yeah, dark forces.

• 1:09:05Laci Mosley?

  Right. She acted like it's an evil spirit. It was somebody who was just like, rob them in my ear every day. I was hearing voices, rob them.

• 1:09:13Speaker 05

  I couldn't stop it.

• 1:09:17Speaker 06

  Really, Ryan?

• 1:09:18Laci Mosley?

  Right. I love that. I want, I want, I'm gonna plead insanity. No, I just had a voice in my head was like, rob them. And I had to.

• 1:09:26Speaker 05

  I had to. I couldn't stop it.

• 1:09:28Laci Mosley?

  So the scam grew so big and caught so much unwanted attention that she became scared. In the fall of 2017, she decided to disappear herself. It was later discovered that she had bugged boyfriend Gilbert Armano's flat and found out that he had been cooperating with the FBI to probe into one coin. So her bae was about to snatch, double cross her, you know what?

• 1:09:49Speaker 05

  Just like a man.

• 1:09:50Speaker 06

  That's what I'm saying. He was hatin'. He couldn't, he couldn't stand fear.

• 1:09:54Speaker 05

  He couldn't do this himself. Exactly. He was jealous. He was like, I wanna be the one with the yacht. I don't wanna be on her yacht. Yeah, no.

• 1:10:01Laci Mosley?

  So you're gonna sell her out to the feds? You would have a way better life with Rujah than you would with the F, the B, and the I. They ain't gonna love you.

• 1:10:08Speaker 06

  You supposed to be Clyde in her bonnie. You supposed to be Clyde in her bonnie, you know what I'm saying?

• 1:10:12Laci Mosley?

  You couldn't ride, you couldn't ride or die. He was like, I'm not riding, I'm not dying. I'm actually...

• 1:10:16Speaker 05

  Y'all supposed to be running the world and instead you lemonade me.

• 1:10:21Laci Mosley?

  We don't like that. So when Rujah disappeared, her brother Konstantin took over. And even after her disappearance and more people discovered the truth, people still continued to invest in the currency function. On March 6, 2019, Konstantin was waiting at LAX to go back to Bulgaria when he was arrested by the F, the B, and the I and charged with fraud. Damn, man, how you gonna let your brother get caught up? You should've just disappeared with you, Rujah.

• 1:10:43Speaker 05

  Wow.

• 1:10:44Laci Mosley?

  At the time, US authorities charged Rujah in absentia with eight counts, including wire fraud, securities fraud, and money laundering. But obviously, she's nowhere to be found. It's reported she disappeared, mhm, she disappeared with approximately...

• 1:10:56Speaker 05

  I'm just saying.

• 1:10:57Speaker 06

  Bad bitch. I'm sorry.

• 1:10:59Laci Mosley?

  462 million in one coin and continued to denounce all wrongdoing till it defaulted in 2021. Kept going till 2021. Just seven years.

• 1:11:08Speaker 05

  Seven years.

• 1:11:09Speaker 06

  And she's just like living it up like probably like in Argentina or some shit.

• 1:11:14Speaker 05

  Yeah, exactly.

• 1:11:15Laci Mosley?

  I would be, oh, you would never see me, you'll never see me again. No.

• 1:11:19Speaker 05

  Yeah, I'd be out of here.

• 1:11:20Speaker 06

  She probably got full plastic surgery, like she probably looks different.

• 1:11:24Laci Mosley?

  Oh, yeah, she doesn't look anything, we'll never see Rujah again. With that kind of money, you can buy several identities. She could be whoever she is.

• 1:11:30Speaker 05

  She ain't Rujah no more. She Rachel. Like, she changed her name, changed her face.

• 1:11:35Laci Mosley?

  So in May 2020, uh, 2022, Europol added her to its most wanted list. They never gonna find her. Y'all just gonna want her so bad.

• 1:11:43Speaker 06

  Yeah, she been gone too long.

• 1:11:45Laci Mosley?

  It's like Grace, like you're never gonna scam Grace, you're never gonna find Rujah. It's just, it is what it is.

• 1:11:50Speaker 05

  Look at all her faces. They're like, she could look like any of these.

• 1:11:53Speaker 06

  You know what? She, she went straight to Brazil, got a BBL.

• 1:11:58Laci Mosley?

  Right. Got a whole new face.

• 1:12:01Speaker 05

  She twerking on a yacht.

• 1:12:02Speaker 06

  Face. Yeah, she got a whole new face and a BBL.

• 1:12:05Laci Mosley?

  Any of us could be Rujah at this point.

• 1:12:07Speaker 05

  Exactly. Are you Rujah?

• 1:12:09Laci Mosley?

  Like, and these photos are giving like a child who went missing in the seventies.

• 1:12:13Speaker 05

  Yeah.

• 1:12:16Laci Mosley?

  Yeah, nobody knows what she looks like. But Rujah, shout out to an icon. You got away with it. You're keeping quiet. I don't like that you threw your brother under the bus. You should have took him with you.

• 1:12:25Speaker 05

  Poor Constantine.

• 1:12:27Laci Mosley?

  Right, family first. But, you know, we also don't know if Constantine had bad vibes, so.

• 1:12:31Speaker 05

  Exactly. He might have been about to snitch too, so. And also, he a man, so I'm glad that she was just like.

• 1:12:37Laci Mosley?

  Right.

• 1:12:38Speaker 05

  Just chicks before dicks.

• 1:12:39Laci Mosley?

  Right. Even if they're your brother, even if it's a genetic, a genetic pain, leave it, leave it behind.

• 1:12:45Speaker 05

  Leave it behind.

• 1:12:46Speaker 06

  I hope that she's just somewhere fabulous with like ten pool boys just getting dick to hell.

• 1:12:56Laci Mosley?

  All right, well, guys, let's get into the saddest part of the show where I have to let Amy and Grace go. It's time for Scammer of the Week. We're just gonna talk about, real quick, a charlatan worthy of our praise. Maybe not. We'll see. We're talking about another woman. A woman known only as the alias Jun Mao has been writing fake Russian history on Wikipedia for over ten years and has never been caught before now. Now, do you get paid for Wikipedia?

• 1:13:22Speaker 05

  Russian history, just like making them seem better than they are or something?

• 1:13:25Speaker 06

  Just like telling fake stories about Anastasia? Like, why?

• 1:13:29Laci Mosley?

  Truly no idea. A Chinese fantasy novelist was conducting research about the Great Silver Mine of Kashin and the Moscow War. When he began to dig deeper and found that extensive references to medieval texts were linked to modern papers or back to themselves. So, we have an image here of like ancient writing and whatever. Um, I, I don't understand why this is appealing at all. And she just lied on the internet? I don't see the, I don't see why we need to do it.

• 1:13:55Speaker 05

  Bad about it. I, I mean, are scholars like now being led astray?

• 1:13:59Laci Mosley?

  Was Wikipedia ever supposed to be a legitimate source?

• 1:14:02Speaker 05

  Isn't it just people?

• 1:14:03Laci Mosley?

  Yeah, it's just people. So eventually he realized that there was no such thing as the Great Silver Mine of Kashin, which is an entirely real town in Russia.

• 1:14:12Speaker 05

  That's hilarious.

• 1:14:13Speaker 06

  It's Pu- it's Putin's on the, the fucking Wikipedia.

• 1:14:21Laci Mosley?

  I know you can't be do- be bored. You're so evil. I know you business people.

• 1:14:25Speaker 06

  No, he's just like, you know, watching the destruction of Ukraine and, you know, updating the Wikipedia. What a bitch, yeah.

• 1:14:33Laci Mosley?

  So Wikipedia launched an investigation and found that the contributor had used at least four puppet accounts to falsify the history. I guess we must donate to Wikipedia.

• 1:14:43Speaker 06

  Our donations funded this investigation.

• 1:14:46Laci Mosley?

  Just take the, take the sites down. So, so the accounts serve to lend credibility to each other. And for more than ten years, the author wrote several million words of fake Russian history, creating two hundred and six articles and contributing hundreds more. How do you, what do you get out of this?

• 1:15:01Speaker 05

  Yeah, what does she get out of it?

• 1:15:02Laci Mosley?

  She wrote elaborate war stories and economic histories as detailed like Game of Thrones books and wove them into real events and language.

• 1:15:10Speaker 06

  She should have become a novelist.

• 1:15:15Speaker 05

  What are you doing?

• 1:15:18Laci Mosley?

  So the now banned author published an apology letter saying that she only wanted to learn about history and that she was a full-time housewife in China with only a high school degree. I'm shocked.

• 1:15:29Speaker 05

  Sis, you could have just written a book.

• 1:15:32Laci Mosley?

  You didn't have to do this.

• 1:15:33Speaker 05

  Oh.

• 1:15:34Laci Mosley?

  So the letter, real quick, she just says, "The trouble I've caused is hard to make up for, so maybe a permanent ban is the only option. My current knowledge is not enough to make a living, so in the future, I will learn a craft and work honestly and not do nebulous things like this anymore." Sis, you could have just wrote a book. It sounds like you wrote Game of Thrones, and, but you put it on Wikipedia.

• 1:15:51Speaker 05

  Yeah.

• 1:15:52Laci Mosley?

  You played.

• 1:15:53Speaker 05

  I'm like, take, this, you know, what's that movie? You could have been Dan Brown, you know what I'm saying? You could have been, like, one of the- What's the George R R? The fanfiction that made Twilight. Who's that lady? Stephanie Meyer, I think, yes. It's like, it's like fanfiction is something else. This woman wrote fanfiction for Anastasia in Russia, so I'm like, we could also just option it to make it into a movie. Yeah, she really could have just sold this.

• 1:16:14Laci Mosley?

  Sell it, girl. Compile all these papers and sell it, because otherwise, I don't understand the scam, and I don't even understand the man who tried to figure you out. It sounds like somebody petty. I hate her. I hate her. Let her make up things on Wikipedia.

• 1:16:24Speaker 05

  She's just trying to live. She's trying to find a way to feel.

• 1:16:28Laci Mosley?

  Right.

• 1:16:28Speaker 05

  She's like, I'm a housewife.

• 1:16:30Speaker 06

  Yeah, she sounds sad.

• 1:16:31Laci Mosley?

  She's like, I found a vacuum. What else am I supposed to do but make up Russian history on Wikipedia?

• 1:16:36Speaker 06

  Well, I made the lunchboxes for the children.

• 1:16:38Speaker 05

  And now?

• 1:16:39Laci Mosley?

  What else am I gonna do?

• 1:16:40Speaker 06

  I write. I write fake Russian history.

• 1:16:44Speaker 05

  I love her. Oh, I feel bad for her. Someone save her. What's her name, Jeannie Ma?

• 1:16:48Laci Mosley?

  Right, Jeannie Ma, like, we, we love you, girl. We hope you get a, a book deal.

• 1:16:52Speaker 05

  Girl, I'm, I'mma, I'mma, uh, see if I can option that IP. I'mma make a movie.

• 1:16:55Laci Mosley?

  Right, let's buy it.

• 1:16:56Speaker 05

  I mean, come on.

• 1:16:58Laci Mosley?

  It sounds like it was given if it went on for ten years.

• 1:17:00Speaker 05

  I wanna see that.

• 1:17:01Laci Mosley?

  Thank you guys so much for being on the show. We always ask, where do you want to be found? Anything you wanna plug? Thank you guys so much for being here.

• 1:17:10Speaker 05

  Yes, you can find me at Amy Aniobi, that's A-M-Y-A-N-I-O-B-I, on Twitter and Instagram.

• 1:17:17Laci Mosley?

  Yes.

• 1:17:18Speaker 06

  And you can find me, uh, Grace at Gracyact, G-R-A-C-Y-A-C-T, and our podcast is called The Antidote, and you can find that at TheAntidotePod.

• 1:17:29Laci Mosley?

  Yes, it is so good.

• 1:17:30Speaker 05

  And that's V with two Es.

• 1:17:32Laci Mosley?

  Yes, we need the spelling, but the podcast is fantastic. I just was on it. It's so fun. If you love them on our show, which I know you did, slide on over there and get into it. Very fun. As always, guys, catch on your friends and family at [email protected]. Just make sure your scam is retired because we don't want to what? Yes, fuck up your bag. If you want to follow me, D I V A L A C I D, Lacy on all platforms. And if you want to see the pictures and everything that we was joking on today, Rujah and these terrible fits, scamgoddesspod Instagram, scamgoddesspod on Twitter. Congregation. Stay Schemin.

• 1:18:07Laci Mosley?

  This has been an Earwolf production in association with Team Coco. Scam Goddess stars and is hosted by me, Laci Mosley, AKA Scam Goddess. It's produced by Judith Cargvo, engineered by Marina Faes, and researched by Kalen Brandt. Stay scheming.

• 1:18:23Laci Mosley?

  This has been a Team Coco production in association with Earwolf.

• 1:18:32Speaker 03

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