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A news investigation reported by The Independent from 2016 described a phenomenon in China known as where female college students were reportedly coerced into sending nude photographs as collateral for high-interest loans. In these cases, lenders warned that the explicit photos would be made public if the payments were not made on time, turning financial difficulty into a tool for blackmail. One borrower, identified by the pseudonym "Li Li," shared her story with a newspaper, explaining how a small loan of 500 yuan (about £53) snowballed into 55,000 yuan after lenders demanded nude photos as a "guarantee" for new loans.

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Arina had been struggling to make ends meet for months. As a freelance writer, she often faced uncertain income, and her savings were dwindling. One day, while browsing online, she stumbled upon an ad for a loan company called "Loan4k." They promised quick and easy loans with minimal hassle. A news investigation reported by The Independent from