Stages one to three, compressed
Stage one: "I need a new 99exch ID" — the sentence is the application. Stage two: the agent asks a display name and rough stake size, then shares UPI details for the opening amount. Stage three: your payment screenshot goes into the chat and the username follows it back, usually inside twenty minutes on a weekday evening.
The single rule that filters every fake: money you send must reappear as your own visible balance. A "processing fee", "activation charge" or "conversion cost" reappears as nothing — that is the tell, every time.