Answer:It is true that Ruja has been accused of scamming in the past, and that can certainly be a cause for concern. However, it is important to note that the majority of Upcoins are not in circulation at the moment. In fact, only 37% of the total Upcoins are currently in circulation, with the remaining 63% locked in wallets. This means that the majority of Upcoins are not accessible to anyone and cannot be used to dump from undisclosed wallets. Additionally, the locked Upcoins are subject to a lock-up schedule that is publicly available, so anyone can see when the locked coins will be released. This provides an additional layer of security and transparency, and it is reassuring to know that the majority of Upcoins are not accessible to anyone and cannot be used to scam investors.