Like every other person have highlighted... You fell for phishing. You supplied your login details to a phishers website(The VIP grant domain). Then they used that to login to your fairmoney mobile app... The otp request was never initiated by you. You weren't sent any otp on the phishers website..Someone initiated this on fairmoney app simultaneously on your behalf...(You entered this in a clear text) This was copied and used to change your credit account or complete the initiation depending on fairmoney flow. Sorry brother... Don't dwell on this. Learn from it and move on...

This looks like Aluwo (Charm to make someone fall after being hit). ...my opinion though