号称日息2厘的平台被曝崩盘，操盘手称“我已在国外”！此前多地早已发出预警

Core Viewpoint - The article discusses the fraudulent activities of the "Xinkangjia" investment platform, which has been identified as a Ponzi scheme combined with a multi-level marketing structure, leading to significant financial losses for investors [3][4][29]. Group 1: Overview of "Xinkangjia" - "Xinkangjia" platform was established in 2021, initially claiming to engage in oil spot trading and later shifting to derivatives trading, falsely associating itself with the Dubai Gold and Commodities Exchange (DGCX) [6][19]. - The platform attracted around 2 million investors with claims of high returns, reportedly involving approximately 13 billion yuan in total investments [3][4]. - DGCX has publicly denied any affiliation with "Xinkangjia," warning that the platform is unauthorized and operates without any legitimate partnership [8][9]. Group 2: Investment Structure and Operations - "Xinkangjia" employed a nine-level hierarchical structure to incentivize recruitment, with participants earning rewards for bringing in new members, creating a classic Ponzi scheme dynamic [13][19]. - The platform promised daily returns of 0.2% and used various promotional tactics, including offering luxury cars as incentives for high investments [20][19]. - Investors were required to purchase USDT (Tether) for transactions, complicating the process and leading many to transfer funds to higher-level members for conversion [22][30]. Group 3: Regulatory Environment and Risks - The Chinese government has previously banned virtual currency investments, and multiple warnings have been issued regarding the risks associated with platforms like "Xinkangjia" [23][24]. - Local authorities have identified "Xinkangjia" as a significant illegal fundraising risk, highlighting its use of high-return promises and multi-level marketing tactics [28][24]. - The article emphasizes the growing trend of such schemes leveraging stablecoins to bypass financial regulations, posing a threat to investors and the broader financial system [30][33].