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The scammer adds you, typically pretending to be a collector of some sort. He/she tells you that they have steam wallet money, but need tradeable keys quickly for a trade. Then, the scammer will offer to buy a cheap skin of yours off the market for much more than it's worth, let's say enough for you to buy 22 keys. After this, the scammer will send you a trade for your 20 keys, which you accept. What you don't know is that the steam wallet balance of the scammer has been obtained illegally and you will lose the keys you purchased and receive a trade ban some time after completing the deal with the scammer. The scammer gets off scot-free, as Valve really have no idea how to deal with this scam at this time.