Recently, the logic behind payment risk control has been quietly changing. Previously, it mainly targeted the recipient's card, but now it has started to focus on the payer — and this is where it gets interesting. Once your account frequently shows abnormal transactions, the system will not only restrict your transfers but also include the recipients you've interacted with over the past few months on the risk list, directly lowering their receiving limits. Even more frustrating, once marked, both parties are required to provide transaction backgrounds and relevant proof to appeal. What's the problem? Usually, we just scan QR codes or make transfers, and after some time (like a few months), you're asked to recall the transaction details and provide evidence. Isn't that an impossible task? It indeed adds quite a bit of trouble for ordinary users.