从2026年1月1日起，数字人民币钱包余额开始按照活期存款计付利息。这也意味着，经过十多年研发试点，数字人民币从"数字现金时代"迈入"数 字存款货币"时代。 | 2025年12月26日，上海黄浦区一超市外张贴了店内支持的付款方式列表，包括微信、支付宝、数字人民币等，共有十余种。来源：央视新闻微信 公众号 1 什么是数字人民币？ 与虚拟货币有什么区别？ 数字人民币是中国人民银行发行的数字形式的法定货币，由指定运营机构参与运营，与实物人民币等价，具有价值特征和法偿性。如果说1.0版数 字人民币是"口袋里的数字纸币"，仅承担数字现金的职能，那2.0版数字人民币则是"数字活期存款"，标志着数字人民币升级实现了跨越式发展， 从"数字现金时代"迈入"数字存款货币"时代。 数字人民币与虚拟货币存在本质区别，前者是有国家信用背书的法定货币；后者是去中心化的"虚拟资产"，价格波动剧烈，缺乏稳定价值基础。 | 2024年9月13日，服贸会首钢园工商银行展台工作人员展示用数字人民币硬钱包过地铁闸机。新华社记者 李鑫 摄 对于消费者来说 此次数字人民币升级有哪些益处？ 此次数字人民币升级给老百姓的日常生活带来诸多便利，主要体现在"利 ...

又见虚拟货币投资骗局！ 裁判文书网近日披露的一则刑事裁定书显示，贺某、方某某在未获相关部门批准的情况下， 雇人开发 DILK（迪尔克）、黑 xx 虚拟货币交易所及对应交易 APP，以该虚拟货币升值 快、回报率高、稳赚不赔为噱头，通过自己以及他人邀请亲朋好友听课宣讲等方式招揽被害 人投资，最终骗取546.6358万元。 二人出资雇请卢某某、刘某某等技术人员，先后开发了DILK（迪尔克）和黑xx两款虚拟货 币交易所及对应手机APP，用于交易他们虚构的DILK和黑xx虚拟货币。 这两个APP并未在相关部门进行备案，无法通过正规应用商店下载，只能通过二人提供的二 维码或链接安装。据技术人员刘某某证言，平台所谓的"矿机挖矿"并无真实算法支撑，是后 台预设的固定数字，贺某作为实际控制人，拥有管理员账号，可随意调整虚拟货币的数量和 涨跌，用户的资金在兑换成虚拟货币转入平台后，会通过 "归集程序" 自动流入贺某私人账 户，提现亦需经其审核。 为掩盖非法目的，贺某、方某某还注册了黑xx（深圳）智能科技系统集团有限公司、深圳xx 科技集团有限公司，法定代表人分别为刘某某和贺某母亲陈桂某，经营范围包含区块链技术 开发等内容，但两家 ...

从2026年1月1日起，数字人民币钱包余额开始按照活期存款计付利息。这也意味着，经过十多年研发试 点，数字人民币从"数字现金时代"迈入"数字存款货币"时代。什么是数字人民币？对普通消费者而言， 此次数字人民币升级带来哪些变化？新华网思客邀请南开大学金融发展研究院院长田利辉解读。 2025年12月26日，上海黄浦区一超市外张贴了店内支持的付款方式列表，包括微信、支付宝、数字人民 币等，共有十余种。来源：央视新闻微信公众号 什么是数字人民币？与虚拟货币有什么区别？ 数字人民币是中国人民银行发行的数字形式的法定货币，由指定运营机构参与运营，与实物人民币等 价，具有价值特征和法偿性。如果说1.0版数字人民币是"口袋里的数字纸币"，仅承担数字现金的职 能，那2.0版数字人民币则是"数字活期存款"，标志着数字人民币升级实现了跨越式发展，从"数字现金 时代"迈入"数字存款货币"时代。 数字人民币与虚拟货币存在本质区别，前者是有国家信用背书的法定货币；后者是去中心化的"虚拟资 产"，价格波动剧烈，缺乏稳定价值基础。 2024年9月13日，服贸会首钢园工商银行展台工作人员展示用数字人民币硬钱包过地铁闸机。新华社记 者 李鑫 摄 ...

从2026年1月1日起，数字人民币钱包余额开始按照活期存款计付利息。这也意味着，经过十多年研发试 点，数字人民币从"数字现金时代"迈入"数字存款货币"时代。什么是数字人民币？对普通消费者而言， 此次数字人民币升级带来哪些变化？新华网思客邀请南开大学金融发展研究院院长田利辉解读。 什么是数字人民币 与虚拟货币有什么区别 数字人民币是中国人民银行发行的数字形式的法定货币，由指定运营机构参与运营，与实物人民币等 价，具有价值特征和法偿性。如果说1.0版数字人民币是"口袋里的数字纸币"，仅承担数字现金的职 能，那2.0版数字人民币则是"数字活期存款"，标志着数字人民币升级实现了跨越式发展，从"数字现金 时代"迈入"数字存款货币"时代。 "便"主要指的是便捷支付。比如数字人民币的"双离线支付"功能，即便是在无网环境下，付款方和收款 方利用手机NFC功能，在两个设备间也能近距离完成支付。 数字人民币与虚拟货币存在本质区别，前者是有国家信用背书的法定货币；后者是去中心化的"虚拟资 产"，价格波动剧烈，缺乏稳定价值基础。 对于消费者来说 此次数字人民币升级有哪些益处 此次数字人民币升级给老百姓的日常生活带来诸多便利，主要体现 ...

累树由Al生成 专骗养老钱的新套路 2 司 北海 · 不法分子利用老年人对"区块链""数字货币""虚拟 货币""元宇宙""数字藏品"等科技概念的认知空白, 将其包装成"低风险高收益"的"风口投资项目",以 "短期回本、收益翻倍"为噱头,通过线下讲座、社区 推广诱导投钱 实际上,这些所谓的"项目"既无实际业务、也 无盈利模式,本质是"拉人头赚佣金、炒概念劲 本金"的庞氏骗局 国家免费发放养老补贴 语时刻关注 …… 随着科技发展与养老需求增长，不法分子针 对老年人的诈骗手段愈发隐蔽多样,如虚假 投资、AI骗术、高息集资、免费陷阱等,精 准拿捏老年人认知盲区 · 育路 大爷,新型报资项目了解一下 这玩意真能赚钱吗 线得试试 套路三 婆婆,相信我们 不会骗人的 白纸黑字的国家政策, 应该不会有差错 高息理财陷阱: El E S 年人 完 3 3 HATE LEVALLE V TD 2 2 2 11 賽 : 点击下方链接,即可领取! AI骗术三重目猎: 情准突破专年人心理防线 不法分子借AI技术,利用老年人辨别能力较 弱和对"权威信息""情感关怀"的信任心理, 设三类骗局: Al仿真主播编造虚假政策,制造"认知偏差"。 ...

近期，中国人民银行召开打击虚拟货币交易炒作工作协调机制会议，强调持续打击虚拟货币相关非法金 融活动。监管部门在会上明确指出，虚拟货币不具有与法定货币等同的法律地位，不具有法偿性，不应 且不能作为货币在市场上流通使用。这释放出清晰而强烈的信号：无论虚拟货币如何包装和创新，其潜 在的金融风险都已受到监管部门高度关注，相关监管篱笆正越扎越紧。 自2013年比特币兴起以来，监管部门多次发布通知提示虚拟货币风险。今年以来，虚拟货币的新动向推 动监管政策进一步细化，此时再度强调持续打击，其必要性和紧迫性不言而喻。 理解当前监管持续发力，要先了解虚拟货币领域现状如何。表面上看，比特币等主要虚拟货币的价格依 然延续剧烈波动特性，投机风险显著。而更深层次的风险则隐藏在那些看似更"安全"的角落，比如有的 虚拟货币存在背后储备资产不透明、价值不足，好比一家银行声称储户存入多少现金，它的金库里就有 多少现金对应，但实际核查时却发现金库里的资产价值远低于承诺，极易引发市场信任危机。 打击虚拟货币交易炒作，也是保护投资者权益、守护群众财产安全的务实举措。专家提醒，虚拟货币市 场专业门槛高、风险极大、信息不对称，普通投资者易受高收益承诺诱 ...

EN18031-3标准主要涵盖以下几个方面： 处理虚拟货币或货币价值的联网无线电设备EN18031-3标准是一套针对特定无线电设备的技术规范，主要 用于确保设备在传输或处理与虚拟货币或货币价值相关的数据时，能够满足安全性、稳定性和兼容性要 求。这类设备通常涉及无线通信模块、数据加密模块以及相关的硬件和软件系统。以下将从多个方面详细 介绍这一标准的内容和意义。 1.EN18031-3标准的定义与背景 EN18031-3标准是专门针对联网无线电设备在虚拟货币或货币价值处理场景下的技术要求。随着虚拟货币 的普及和无线通信技术的发展，越来越多的设备需要通过网络传输或处理与资金相关的数据。例如，某些 支付终端、区块链节点设备或数字钱包硬件可能依赖无线电技术进行数据传输。EN18031-3标准旨在规范 这类设备的设计和制造，确保其在复杂网络环境中的可靠性和安全性。 2.标准的核心技术要求 -无线通信安全性：设备多元化采用符合行业标准的加密协议，确保数据传输过程中不会被截获或篡改。例 如，使用AES-256或类似的高强度加密算法保护通信内容。 -数据完整性验证：设备需具备数据校验机制，防止传输过程中的数据丢失或错误。常见的 ...

Core Viewpoint - The case of illegal foreign exchange operations involving individuals identified as Tong and Chen has been successfully investigated by the Shenyang police, highlighting the complexities of cross-border financial crimes and the importance of international cooperation in law enforcement [1][2][3]. Group 1: Case Development - In April 2024, a tip-off from the U.S. regarding Tong's involvement in money laundering for drug traffickers prompted the Chinese police to initiate an investigation [1]. - The Shenyang police established a task force to investigate the fragmented leads and difficulties in obtaining evidence from abroad, leading to the collection of significant evidence against the suspects [1][2]. - By May 20, 2024, Tong and Chen were apprehended in Wuhan while attempting to flee the country, following extensive evidence collection efforts across multiple provinces and cities [2]. Group 2: Criminal Activities - Since 2017, Tong and associates operated a car dealership in the U.S. and provided currency exchange services, later shifting to illegal foreign exchange operations [2]. - From January 2020 to June 2021, Tong directed Chen and others in China to facilitate illegal currency exchanges, amassing over 16 million RMB through domestic bank accounts [2]. - Tong also engaged in virtual currency transactions, purchasing Bitcoin and Tether to facilitate cash exchanges, primarily serving students and gamblers in the U.S. [3]. Group 3: Legal Proceedings - The case was transferred to the prosecutorial authority on November 26, 2024, and by September 2025, both Tong and Chen were sentenced to prison terms of 1 year and 7 months, and 1 year and 4 months respectively, for illegal foreign exchange operations [3].

Core Viewpoint - The "Yuzhi Financial" virtual currency investment platform has collapsed, leading to significant losses for investors despite prior warnings from regulatory authorities about the illegality of virtual currency activities [1][24][45]. Group 1: Platform Operations and Structure - "Yuzhi Financial" claimed to offer a high annualized return of 360% by utilizing a "6G Hongmeng System" developed in collaboration with Huawei, which was presented as a tool for real-time trading signals [3][27][30]. - The platform's promotional materials falsely stated that it was listed on the "Hong Kong Equity Trading Display Center" under the stock code HK31919, which was later found to be untrue [4][27]. - The platform employed a multi-level distribution system, incentivizing users to recruit new members, which contributed to its rapid user growth and the formation of a large-scale scam network [31][33]. Group 2: Investor Experiences and Losses - Many investors reported being unable to withdraw their funds, with one investor stating that she was unable to retrieve her money after being encouraged to reinvest during a promotional event [1][25][36]. - The platform attempted a "second harvest" by requiring users to pay a "self-certification deposit" of 20% of their total assets, locking their funds for 60 days while only allowing minimal withdrawals [2][12][41]. - Despite recognizing the signs of a scam, some investors continued to invest due to the allure of recovering their initial investments, demonstrating a common psychological trap among victims [26][41]. Group 3: Regulatory Context and Challenges - The collapse of "Yuzhi Financial" occurred amid intensified regulatory efforts in China to combat virtual currency risks, with the People's Bank of China reiterating that virtual currencies do not have legal status and are illegal financial activities [21][45]. - Local governments had issued warnings about the platform prior to its collapse, indicating that it lacked the necessary financial licenses and had not registered its app [22][46]. - Regulatory challenges persist as new types of Ponzi schemes often operate offshore, making it difficult to enforce laws and recover funds [47].

Core Viewpoint - The article highlights the collapse of a virtual currency investment platform named "Yuzhi Financial" amid increasing regulatory scrutiny in China, leading to significant investor losses due to its fraudulent operations [1][12]. Group 1: Platform Operations and Fraud Mechanism - "Yuzhi Financial" lured investors with promises of high returns, claiming annualized yields exceeding 360% through a complex multi-level distribution system [5][6]. - The platform employed tactics reminiscent of Ponzi schemes, using funds from new investors to pay returns to earlier investors until the financial chain broke [1][6]. - Despite the platform's collapse, it attempted a "second harvest" by requiring users to pay a "self-certification margin" of 20% of their total assets, locking their funds for 60 days [2][8]. Group 2: Misleading Claims and Technology Use - The platform falsely claimed to have developed a "6G Harmony System" in collaboration with Huawei, misleading investors about its technological capabilities [3][10]. - It also misrepresented its status by claiming to be listed on the "Hong Kong Stock Exchange" under a fictitious stock code, which was not found on official records [4][11]. Group 3: Regulatory Context and Warnings - The collapse occurred against a backdrop of intensified regulatory measures against virtual currencies in China, with the People's Bank of China reiterating that such activities are illegal [12][14]. - Local governments had issued warnings about "Yuzhi Financial" prior to its collapse, indicating it was operating without the necessary financial licenses [12][14]. Group 4: Investor Behavior and Psychological Factors - Many investors, despite recognizing the risks, continued to invest due to the allure of recovering their initial investments, demonstrating a gambler's mentality [14]. - The rapid spread of such scams is facilitated by the public's blind trust in high-tech claims and the allure of quick profits, which diminishes rational judgment [10][11].