2025.10.26 本文字数：3632，阅读时长大约6分钟 作者 |第一财经 安卓 封图 |AI生成 距百亿"资金盘"鑫慷嘉平台被曝崩盘跑路不过3个月，近日，一家名为"凤凰潮"的大型"资金盘"又进入 了公众视野。 第一财经发现，与其他"资金盘"相比，该"资金盘"的迷惑性主要在于宣称"零成本""零门槛"，只需要每 日打卡就可以赚积分、奖励。 但事实远没有那么简单，用户一旦深陷其中，就会被层层诱惑：充值、拉人头、投资、复投……目前， 贵州省、湖南省多个市县密集发布了关于"凤凰潮"的风险提示，部分机构还在线下展开针对"凤凰潮"的 反诈宣传活动。 多层级运作模式 近期，"凤凰潮"手机APP（又名"国海数商"）在多地迅速扩散，据了解，该平台的主体运营公司为海南 省国海创新科技有限公司(下称"国海创新")。 工商信息显示，国海创新成立于2021年9月26日，注册资本1000万元，2022~2023年的社保缴纳人数为 0，2024年为4人。值得注意的是，该公司于今年9月22日被列为经营异常状态，异常原因为：通过登记 的住所或者经营场所无法联系。 国海创新的法定代表人为叶建益，根据网上一篇名为《凤凰潮起处 赤子报国心——记 ...

Core Viewpoint - The article discusses the emergence of a new fraudulent investment platform called "Phoenix Tide," which operates under a multi-level marketing scheme, luring users with promises of easy earnings through minimal effort and investment [3][4]. Summary by Sections Overview of "Phoenix Tide" - "Phoenix Tide" claims to offer a "zero-cost" and "zero-threshold" investment opportunity, requiring only daily check-ins to earn points and rewards [4][10]. - The platform is operated by Hainan Guohai Innovation Technology Co., Ltd., which has been flagged for operational irregularities [6][10]. Multi-Level Operation Model - The platform employs a multi-tiered operation model, starting with a deceptive "zero investment" earning scheme that requires users to complete simple tasks for minimal rewards [10][11]. - Users can progress through six task levels, with higher levels requiring investment in "task packages" that promise inflated returns [11][12]. - The platform creates a false sense of value for points through limited-time offers and price increases, encouraging users to reinvest [12][13]. Recruitment and Dynamic Earnings - "Phoenix Tide" incorporates a recruitment mechanism, incentivizing users to bring in new participants to increase their earnings, resembling a pyramid scheme [13][14]. - Users can achieve different "agent" levels based on their recruitment success, which unlocks additional benefits and earnings [14][15]. Spread and Public Response - The platform has gained traction primarily through personal networks, with many users recruiting family and friends [16][17]. - Multiple local governments and agencies have issued warnings about the risks associated with "Phoenix Tide," highlighting its similarities to traditional Ponzi schemes [19][24]. Psychological Factors and User Behavior - Many participants are aware of the risks but choose to engage due to greed, social pressure, and the fear of missing out on potential profits [24][25]. - The article concludes that individuals often succumb to their own desires and fantasies rather than being purely victims of fraud [25].