Core Viewpoint - The convergence of Ponzi schemes and virtual currencies has led to significant financial fraud, exemplified by the collapse of the "Yuzhi Financial" platform, which claimed to operate in the virtual currency options market but has left users unable to withdraw funds [1][15]. Group 1: Company Overview - "Yuzhi Financial" was established on September 3, 2024, and falsely claimed to be based in Hong Kong, listing itself on the Hong Kong Equity Trading Display Center with stock code HK31919 [2]. - The platform utilized the Hong Kong Stablecoin Exchange (HSEX) app for trading, charging a 10% withdrawal fee, which was raised to 30% just before its collapse [4]. - The platform's operations were flagged as suspicious by the Hong Kong Stock Exchange, which listed it as a dubious website and clarified that it had no affiliation with HSEX [8]. Group 2: Financial Operations and Fraud Mechanisms - "Yuzhi Financial" employed a strategy of creating a false narrative of wealth generation through fabricated profit records, enticing users to invest more and leverage their positions [10]. - The platform offered both static and dynamic returns, with claims of a 370.6% monthly return on dynamic investments, which were part of a multi-tiered referral system designed to incentivize user recruitment [13][10]. - Users reported that initial small investments yielded quick returns, which were then used to encourage larger investments, ultimately leading to significant losses when the platform collapsed [10][15]. Group 3: Regulatory Context and Industry Risks - The People's Bank of China and other regulatory bodies have been actively working to combat illegal financial activities associated with virtual currencies, emphasizing that such activities are considered illegal financial operations [16][17]. - Recent regulatory measures have included the classification of stablecoins as a form of virtual currency, subjecting them to the same scrutiny and legal boundaries as other cryptocurrencies [17][18]. - The rise of Ponzi schemes utilizing virtual currencies has prompted warnings from various local governments, highlighting the risks associated with unregulated financial activities in this sector [15][16].

Core Viewpoint - The article discusses the fraudulent operations of Yuzhi Financial Co., which has been running a pyramid scheme disguised as a virtual currency trading platform, promising high returns to attract investors and requiring them to recruit others for additional rewards [1][19]. Group 1: Company Operations - Yuzhi Financial claims to have a membership of 3 million, suggesting a potential fund size exceeding 20 billion yuan based on a minimum investment threshold of 7,400 yuan [1]. - The company operates multiple apps, including HSEX, which has been flagged for illegal financial activities and lacks regulatory approval [2][10]. - Investors are required to pay a "self-certification deposit" of 20% of their total account balance to withdraw earnings, with withdrawal fees increasing from 10% to 30% [1][10]. Group 2: Investor Experiences - Investors, like Wang Qin, initially saw returns but later realized they were part of a scam when they could not withdraw their funds after a promotional event [5][12]. - The scheme involves a "static" and "dynamic" return model, where static returns are based on following trading signals, and dynamic returns are earned through recruiting new investors [7][8]. - Many investors are left searching for new projects to recover their losses, indicating a cycle of continuous recruitment and investment [3][4]. Group 3: Regulatory Response - The Guangdong provincial government issued warnings about Yuzhi Financial's illegal activities, confirming that it operates without the necessary licenses [2]. - The Hong Kong Stock Exchange has listed Yuzhi Financial and its associated apps as suspicious, indicating a lack of legitimate operations [12][13]. - Legal experts emphasize the need for stricter regulations and awareness among investors to combat such fraudulent schemes [28].

↑点击上面图片 加雪球核心交流群 ↑ 风险提示：本文所提到的观点仅代表个人的意见，所涉及标的不作推荐，据此买卖，风险自负。 作者： 思哲与创富 来源：雪球 以下文章来源于思哲与创富 ，作者思哲 思哲与创富 . 全天候-永久投资策略投顾主理人，全球资产配置，为你做好家庭投资框架，穿越牛熊 但现在呢 ？ 金银比已经回落到了 68 ， 人话解释就是 ： 肉已经吃得差不多了 ， 剩下的只有骨头 。 作为左侧投资者 ， 金银比在80以上时 ， 用白银替换黄金是 " 高赔率 " 博弈 ； 但在68这个位置 ， 且黄金本身已经大涨的背景下 ， 再去追白银 ， 那是 " 低赔率+高波动 " 的无脑冲锋 。 二 、 被证伪的 " 工业叙事 " 这时或许很多人会搬出 " 工业属性 " 来辩护 ： " 新能源 、 AI都需要白银啊 ， 是工业需求驱动的牛市 ！ " 之前临时提了嘴，说白银这几天疯涨，白银期权隐含波动率飙到了40的高位。 这种单边上行且伴随极高波动率的行情 ， 再加上白银LOF狂飙 ， 吸引了大量散户进场申购套利 ， 说实话 ， 让我感觉 商品散户化的味道有点浓 了 。 如果你手里持有多头 ， 现在可能不是庆祝的时候 ...

这个行业的参与者正在发生变化。 一些规模较小的交易平台，则选择放弃小程序等高曝光入口，转为自建App。第一财经测试的平台中，有2家平台引导用户添加客服 微信，随后邀请下载APP并完成注册后方可参与交易。 不仅参与流程趋于复杂，资金流转的隐蔽性也在增强。以一家名为"中X交易"的平台为例，实测过程中，平台并未提供直接的在线 入金入口，用户需主动联系客服获取指定的私人银行账户进行转账。记者按要求完成转账后，定金金额并未即时显示到账，客服解 释称"财务人工核对需一定时间"。 过去仅需简单注册即可参与，如今必须提交身份证、银行卡照片等资料，并通过人工审核，整个过程往往耗时一整天。这是水贝黄 金"预定价交易"平台的最新门槛。 两个月前，深圳市黄金珠宝首饰行业协会发出警示函，明确提示水贝地区部分黄金公司开展的"预定价交易"可能涉嫌违法，（详见 《独家|多人爆仓!高杠杆、假收益、"托儿"全上场，水贝黄金预定价交易是这样的危险赌局》）但第一财者调查发现，这类交易并未 收敛，反而以更隐蔽的方式、更复杂的规则，继续野蛮生长。 一个显著的变化是，部分平台已不再主打"预定价"概念，转而推出"定价结算"模式。用户支付定金后，可在约定期限 ...

资金盘就是这样 参与的早 跑的快的赚钱 ，跑的慢的最后只能沦为接盘侠！！！ 记住，国内所有线上彩票都是非法的，唯一正规渠道是线下实体店。所有承诺包中奖的平台都是骗局。 还是那句话，盘子没崩的时候，预警很多人是不听的，因为感觉有钱赚，不会相信这个盘子这么快崩，也不会相信这个自己是最后填坑的那个人。人往往 都会有这个侥幸心理。等到崩盘了，钱拿不回来，才知道后悔，可那时什么都晚了。 聚帆联盟银河国际这个彩票盘已经彻底跑路。操盘手方志杰圈了上亿资金，现在开始要警惕二次收割。 我们从不推荐项目。网上冒充我的都是骗子。 别拿养老钱或借钱去碰这些。 ...

Core Viewpoint - The "People's Assets" platform is suspected of being a fraudulent scheme that misuses the names of legitimate institutions like the National Development Bank and the National Data Bureau to attract investors [1][2][9]. Group 1: Allegations and Responses - The National Development Bank issued a statement denying any association with the "People's Assets" platform, urging consumers and investors to be cautious [1][2]. - The National Data Bureau also clarified that it has never issued any certificates related to personal data asset ownership, labeling the claims made by the platform as fraudulent [2][3]. - Reports indicate that the "People's Assets" app is registered in Cambodia and is likely operated by an overseas team [1][4]. Group 2: Investor Experiences - Many investors, particularly older individuals, have been drawn into the "People's Assets" scheme, with one investor reportedly investing around 200,000 yuan without seeing returns [3][10]. - The app claims to offer high returns on minimal investments, such as promising over 80,000 yuan in returns for an initial investment of 600 yuan [6][7]. Group 3: App Functionality and Operations - The "People's Assets" app promotes itself as a "data asset confirmation service platform" and requires users to pay fees for converting their data assets into "original shares" [5][6]. - Users are incentivized to recruit others into the scheme through a multi-level referral system, which is characteristic of pyramid schemes [5][12]. Group 4: Legal and Ethical Concerns - Legal experts have identified the "People's Assets" platform as fitting the profile of a "funding plate," a type of illegal financial scam similar to a Ponzi scheme, due to its lack of real asset backing and reliance on misleading claims [9][12]. - The platform has been linked to various fraudulent activities, including the issuance of counterfeit electronic bank acceptance bills that falsely claim to be backed by the National Development Bank [8][9]. Group 5: The Role of "Luo Pan" Participants - Some investors, referred to as "Luo Pan" participants, are aware of the fraudulent nature of the platform but continue to engage with it, hoping to profit before it collapses [10][11]. - This group often operates in secrecy, using social media to promote the scheme while disguising their true intentions [11][12].

Core Viewpoint - The "People's Asset" platform is suspected of being a fraudulent scheme that misuses the names of legitimate institutions like the National Data Bureau and the China Development Bank to lure investors with promises of high returns, while actually providing fake financial instruments [1][3][6]. Summary by Sections Fraudulent Activities - The "People's Asset" app is allegedly operated by an overseas team, registered in Cambodia, and has been reported to mislead investors by claiming to have strategic agreements with legitimate financial institutions [5][10]. - The platform has been accused of issuing fake electronic bank acceptance bills to investors, which are not backed by any real financial assets [15][16]. Investor Behavior - Many investors, particularly older individuals, have been drawn into the scheme despite warnings, often due to a belief in the promised returns and a lack of understanding of the risks involved [7][17]. - Some investors, referred to as "lu pan xia" (literally "shear sheep"), knowingly participate in these schemes with the hope of profiting before the scheme collapses [17][20]. Characteristics of the Scheme - The platform operates on a multi-level referral system, rewarding users for bringing in new investors, which is a common characteristic of Ponzi schemes [16][20]. - The app promotes unrealistic returns, such as an investment of 600 yuan yielding over 80,000 yuan in 80 days, which raises red flags about its legitimacy [11][15]. Regulatory Response - The China Development Bank and the National Data Bureau have both issued statements disassociating themselves from the "People's Asset" platform, emphasizing that no such agreements or certificates exist [3][6][16]. - Legal experts have classified the "People's Asset" platform as a typical "funding plate" scheme, highlighting its fraudulent nature and lack of real underlying assets [16][20].

Core Viewpoint - The "People's Asset" platform is suspected of being a fraudulent scheme that misuses the names of the National Development Bank and the National Data Bureau to attract investors, leading to significant concerns and warnings from these institutions [1][5][14]. Group 1: Platform Operations - The "People's Asset" app is registered in Cambodia and appears to be operated by an overseas team, with its active promotion supported by a group of individuals known as "lu pan xia" [4][8]. - The app claims to offer services related to personal data asset rights, misleading users into believing they can convert their data into financial assets [9][15]. - Users are required to pay high fees for services, such as a 608 yuan fee for converting data assets, which raises red flags about its legitimacy [15][21]. Group 2: Investor Experiences - Many investors, particularly older individuals, have been drawn into the scheme, with reports of significant financial losses and reliance on false promises of high returns [7][16]. - One investor reported investing 20,000 yuan over a year, hoping to withdraw substantial amounts based on the app's claims, but faced difficulties in recouping their investment [7][14]. - The app's promotional materials suggest unrealistic returns, such as an investment of 600 yuan yielding over 80,000 yuan in 80 days, which is indicative of a Ponzi scheme structure [9][14]. Group 3: Legal and Regulatory Response - The National Development Bank and the National Data Bureau have issued statements disassociating themselves from the "People's Asset" platform, emphasizing that no legitimate agreements or documents exist between them and the platform [1][5]. - The platform has been linked to fraudulent activities, including the issuance of fake bank acceptance bills that mislead investors into believing they can cash out their investments [14][15]. - Legal experts have classified the "People's Asset" platform as a typical "funding scheme," highlighting its use of fake documents and lack of real asset backing [15][21].

Core Viewpoint - The article discusses a suspicious investment product called "An Wo Gu Bao," which claims to provide insurance coverage for stock investments, promising high returns while minimizing risks. However, investigations reveal significant doubts about its legitimacy and potential links to fraudulent activities [1][3][6]. Summary by Sections Product Description - "An Wo Gu Bao" is marketed as the first insurance product for stock investments, claiming to offer monthly returns of 60% to 100% and full compensation for losses by the insurance company [3][4]. - The investment process is simplified, requiring minimal effort from investors, who only need to authorize the insurance company to select stocks on their behalf [4][5]. Company and Partnerships - The product is purportedly backed by a legitimate Hong Kong insurance company and has a strategic partnership with CITIC Securities, which is claimed to provide brokerage services [1][5]. - However, both the insurance company and CITIC Securities have denied any association with "An Wo Gu Bao," indicating that it is not an official product [6][7]. Regulatory Concerns - Experts highlight that stock investments are inherently speculative and typically not insurable, as they do not fit the criteria for traditional insurance products [6][9]. - The article emphasizes that any insurance product covering stock investments would require regulatory approval, which "An Wo Gu Bao" lacks [6][9]. Marketing and Promotion - The product employs a multi-level marketing strategy, offering incentives for users to recruit new investors, which raises red flags about its legitimacy and potential classification as a pyramid scheme [8][10]. - The promotional structure includes rewards for both first-time investors and those who refer new clients, suggesting a focus on expanding the investor base rather than genuine investment returns [8][10]. Expert Opinions - Industry experts warn that the promised returns are unrealistic and indicative of a Ponzi scheme, where returns to earlier investors are paid from the contributions of newer investors rather than from legitimate profits [9][10][11]. - Investors are advised to maintain skepticism towards high-return promises and to scrutinize the transparency and legitimacy of such investment opportunities [11][12].

Core Viewpoint - The article discusses a suspicious investment product called "An Wo Gu Bao," which claims to provide insurance coverage for stock trading losses while promising high returns, raising concerns about its legitimacy and potential risks to investors [1][6][13]. Group 1: Product Overview - "An Wo Gu Bao" is marketed as the first insurance product for stock trading, allowing investors to participate without selecting stocks themselves, with a claimed success rate of 97% for stock selection [2][4]. - The product offers a minimum investment of 100 yuan and a maximum of 1 million yuan, with daily trading and profit withdrawal capabilities [2][4]. - The promotional materials suggest that investors can earn monthly returns of 60% to 100%, which is significantly higher than typical market returns [1][9]. Group 2: Company and Regulatory Concerns - The product claims to be backed by a legitimate Hong Kong insurance company, but investigations reveal that the company denies any association with "An Wo Gu Bao," indicating it may be a fraudulent scheme [6][7]. - Experts highlight that stock trading losses are considered speculative risks and are not insurable under traditional insurance models, raising questions about the product's compliance with regulatory standards [6][13]. - The product's structure resembles a Ponzi scheme, relying on new investments to pay returns to earlier investors, which is a common characteristic of fraudulent financial products [13][14]. Group 3: Marketing and Incentives - "An Wo Gu Bao" employs a multi-level marketing strategy, offering rewards for both first-time investors and those who refer new clients, which is indicative of a pyramid scheme [9][11]. - The promotional system includes a "star-level" client program that provides weekly salary rewards based on the number of referrals, further incentivizing recruitment over genuine investment [11][12]. - The marketing claims of guaranteed returns and insurance coverage are designed to lower investor skepticism, but experts warn that such promises are often misleading [13][15].