Scams are all over. I work in a field related to travel. I receievd an email from someone in soem tiny town in Europe someowhere.. I thought it wasa scam but I replied.. for the sake of it.. I was surprised when they responded but once we had further correspondence I felt it was getting fishy so I googled the phone number on the bottom.
It turns out the way these scammers work is that they give you a credit card number to charge in advance. Once you charge it but before it is authorized they refute the charge. Then once it goes through again they reverse the charge again. Basically they earn from you..
I would be very sceptical of any financial thing that sounds more secure than what you’d expect!..