Core Viewpoint - The article highlights a case of drug trafficking and money laundering involving the use of social media platforms and new payment methods, emphasizing the legal consequences faced by the accused [1][3][4] Group 1: Case Details - The accused, Ye Mou Bin, born in 2005 and unemployed, was involved in selling controlled substances via a foreign social media platform [3] - Ye Mou Bin sold 10 pills of the controlled substance triazolam to a buyer in Beijing, using a third-party payment tool in the form of a password-protected red envelope for payment [3] - The transaction involved multiple steps, including sending a password to an overseas contact who then generated a new password for Ye Mou Bin to collect the payment [3] Group 2: Legal Proceedings - On September 27, 2024, the Beijing Chaoyang District People's Procuratorate filed charges against Ye Mou Bin for drug trafficking and money laundering [3] - On October 28, 2024, the Beijing Chaoyang District People's Court sentenced Ye Mou Bin to one year and three months in prison and imposed a fine of 20,000 yuan [3] - Ye Mou Bin did not appeal the verdict, which has since become effective [3] Group 3: Investigative Insights - The case illustrates the use of mobile payment tools in drug-related crimes and money laundering, prompting proactive involvement from the Beijing Chaoyang District People's Procuratorate [4] - Investigators collected evidence from domestic and foreign platforms, including communication records and payment transaction logs, to build a comprehensive case against Ye Mou Bin [4] - The Supreme People's Procuratorate emphasized the need for strict legal accountability in cases involving cross-border drug trafficking and money laundering, advocating for thorough evidence collection and prosecution [4]

作 者丨郭聪聪 编 辑丨杨希 事发当日，李先生（化名）前往当地中信银行，称其通过手机银行转账时， 不慎将49万元误 转入杨女士账户（此前杨女士的账户储存在李先生的手机银行转账名单中），请求银行协助 追回 。然而在银行工作人员展开协助核查后，却发现了诸多疑点，转账操作流程与常规误转 情形存在显著差异，随后工作人员建议双方报警处理。 "我们在提醒李先生可能遭遇诈骗的时候，他还在通过手机听从诈骗分子的指令做事，骗我们 说这是卖车的回款。"中信银行包头凯旋支行会计经理郑鹏飞对21世纪经济报道记者如是说 道。 随着调查的深入， 一个有组织的洗钱犯罪网络逐渐清晰。原来，李先生收到了声称是"国家乡 村振兴扶贫专项补贴"的诈骗短信 ，短信链接指向一个伪装成政府官网的诈骗APP，李先生下 载该APP后，按照所谓指引完成了"补贴申请"，然而， 这一过程中他被要求先将一笔"验证资 金"转入指定账户，而这实则是诈骗分子设计的洗钱手段。 经溯源，该笔资金实为上海一名诈骗受害人的涉案款项。调查人员还原了洗钱路径——犯罪 团伙先将诈骗所得资金转入李先生的账户，随后诱骗李先生"协助过账"，最终通过其账户完 成了资金的转移。郑鹏飞向21世纪经 ...

Core Viewpoint - Gift cards have become a convenient prepaid consumption tool but are increasingly exploited as a "hidden channel" for cross-border money laundering due to their strong anonymity and ease of circulation [1][2]. Group 1: Recent Cases and Financial Impact - In September 2024, Shanghai police uncovered the first national case of illegal currency exchange using gift cards, involving an amount of 2 billion yuan and yielding over 15 million yuan in profits [7]. - In February 2025, a criminal gang in Lianyungang was dismantled, with an involved amount of 1.7 billion yuan, which provided settlement services for illegal funds through the buying and selling of gift cards [3][6]. Group 2: Mechanisms of Money Laundering - The illegal exchange process involves a chain of operations: foreign currency to gift cards to renminbi, including upstream fund absorption, underground bank exchanges, and platform fund settlements [3][8]. - Criminal groups purchase gift cards at a discount (8-9% off) and sell them on social platforms, leveraging the global circulation and non-real-name transaction characteristics of gift cards [5][8]. Group 3: Vulnerabilities in E-commerce Platforms - The rapid growth of cross-border e-commerce has created fertile ground for money laundering, with 2024 cross-border e-commerce import and export totaling 2.63 trillion yuan, a year-on-year increase of 10.8% [8]. - E-commerce platforms have vulnerabilities in identity verification and account management, allowing criminals to bypass regulations using technologies like broadband cat pools and temporary email services [8][9]. Group 4: Law Enforcement Actions - The police have intensified efforts to combat money laundering and underground banking, resulting in the dismantling of over 130 underground banking and money laundering cases [9]. - 17 suspects, including the leader of the criminal gang, have been arrested for illegal business operations, with further investigations ongoing [9].

制图/察画汇创意社 王翊乔 编者按 金融安全是国家安全的重要组成部分。近年来，以习近平同志为核心的党中央高度 重视反洗钱工作。党的二十大和二十届二中、三中全会都对加强和完善现代金融监管作出重 要部署。今年1月1日，新修订的反洗钱法开始施行。今年全国两会上，多位代表委员就惩治 洗钱犯罪建言献策。检察机关是依法惩治洗钱犯罪的重要责任主体。为深入展现检察机关协 同各方力量惩治洗钱犯罪的质与效，本报记者深入各地采访，围绕洗钱犯罪成因、洗钱犯罪 手段、洗钱犯罪治理等采写了系列报道，向社会公众揭示洗钱犯罪的罪与罚，敬请关注。 ◆洗钱犯罪的根本动因是要将非法所得合法化。洗钱犯罪与毒品犯罪、有组织犯罪、金融犯 罪、腐败犯罪等上游犯罪有着紧密联系，被洗的钱都是上游犯罪的所得及其收益。 ◆自最高检2020年部署推进反洗钱工作以来，全国检察机关采取系列反洗钱工作举措，不断 加大反洗钱工作力度，不断增强"一案双查"意识，发现了一批洗钱犯罪线索，办理了一批洗 钱犯罪案件。 ◆2021年，刑法修正案（十一）扩大洗钱犯罪的主体范围，将"自洗钱"纳入打击范围，对洗 钱罪的定罪量刑产生重大影响。2024年8月，最高法、最高检联合发布《关于办理 ...