THE District Court for the NMI grand jury has indicted a woman for luring older women on Saipan and Guam into an elaborate scheme in which she asked them for money and solicited investments in Bitcoin.
Sze Man Yu Inos, also known as “Yuki,” was charged with eight counts of wire fraud. The indictment details specific instances in which Inos transmitted fraudulent messages to her victims.
According to the indictment, between Nov. 1, 2020, and Jan. 1, 2022, Inos devised and carried out a scheme to defraud several individuals through false pretenses and fraudulent representations.
Inos is accused of targeting older women on Saipan and Guam, striking up friendships while presenting herself as a wealthy business owner from China.
She would treat these women to expensive meals and gifts and boast about her successful investments in Bitcoin. After gaining their trust, Inos fabricated personal crises — such as marital issues or business problems — to solicit money from her victims, the indictment stated.
“Defendant would then confide in the women about supposed personal problems, such as her husband cheating on her, and share with them how much their friendship meant to her — often telling them, ‘You are like my mom.’ Inevitably, however, she would request money from these women and/or solicit investments in Bitcoin based on false pretenses,” the indictment states.
Inos also claimed that U.S. Customs had seized over $2 million from her father, promising to repay her victims once the money was returned.
She told one victim that she needed funds to open a salon at the Hyatt on Guam.
Another victim was told that Inos had canceled her bank cards to prevent her husband from accessing their money, and therefore needed financial assistance, the indictment stated.
It added that Inos used various communication platforms — including KakaoTalk (a Korean messaging app) and WhatsApp — to send fake court orders and other fraudulent messages to her victims.
Her messages included fabricated stories about legal proceedings and financial hardships, all designed to extract money from unsuspecting friends.
The charges also include a criminal forfeiture allegation, seeking to recover any property or proceeds derived from fraudulent activity.
According to court documents, Inos was arrested in San Diego, California, on April 18, 2025, and was scheduled to arrive on Saipan on Monday, June 23.
No further information was available about the defendant as of Monday afternoon.
