Core Viewpoint - Digital RMB is gradually integrating into daily life, providing a convenient and secure payment experience, but it has also attracted illegal activities [3]. Group 1: Common Scams Related to Digital RMB - One prevalent scam involves fraudsters using the guise of "Digital RMB promotion" to conduct pyramid schemes, promising high returns and enticing users to join chat groups or offline meetings [4]. - The Digital RMB Operations Management Center emphasizes that Digital RMB has never engaged in recruiting "promoters," conducting "promoter exams," or charging installation fees, and any such activities are fraudulent [5]. - Another scam involves deceiving users into transferring money under the pretense of "order brushing for rebates," where users are lured to open Digital RMB wallets and transfer funds to unknown accounts [5][6]. - A common tactic is to trick users into downloading counterfeit apps that steal personal information or funds, often through misleading messages about receiving experience funds [7]. Group 2: Official Guidelines and Warnings - The Digital RMB Operations Management Center warns that legitimate marketing activities for Digital RMB do not require users to transfer money to unknown accounts or complete tasks for rewards [6]. - Users are advised to download the Digital RMB app only from official channels and to avoid clicking on suspicious links or scanning unknown QR codes [7].

Core Viewpoint - The digital RMB is facing increasing risks of fraud as its pilot program expands, prompting the People's Bank of China to issue warnings about scams related to this new digital currency [1][4]. Group 1: Current Application Status - The digital RMB has transitioned from a pilot phase to a comprehensive promotion phase, achieving significant breakthroughs in retail payments, wholesale finance, green finance, and inclusive finance [2]. - As of September 2025, the digital RMB pilot has expanded to 26 regions across 17 provinces, with a cumulative transaction amount of 14.2 trillion yuan and over 3.32 billion transactions [2]. - The digital RMB app has opened 225 million personal wallets, covering various sectors such as wholesale retail, public services, social governance, and rural revitalization, creating replicable application models [2]. - Innovative application scenarios include features like prepaid smart contracts to lock deposits, preventing losses from institutional defaults, and supporting dual offline payments for reliable transactions without internet or power [2]. Group 2: Risks in Promotion and Application - While the promotion of digital RMB is generally safe, there is a rising concern about fraud, with criminals exploiting the concept for scams [4]. - Public confusion between digital RMB and virtual currencies can lead to misleading information about high returns from "coin trading" [4]. - Scammers use communication tools to lure victims with promises of high returns, spreading false information about purchasing digital RMB wallets, leading to telecom fraud and money laundering [4]. - Fraudulent activities include fake promotional events and recruitment schemes that aim to extract personal information and funds from users [4]. Group 3: How to Avoid Related Fraud - To effectively avoid scams involving digital RMB, it is crucial to recognize its nature as a legal currency and understand the common fraud tactics [5]. - Key characteristics of digital RMB include: 1. No investment or speculative value, as it is equivalent to cash with no appreciation or trading potential [5]. 2. No official promotional rebate mechanisms, with no established grassroots promotional organizations or rebate activities [5]. - Public recommendations to prevent fraud include downloading apps through official channels, protecting personal information, and being wary of any promises of high returns or investment groups related to digital RMB [6].