上海曼昆律师事务所刑事部负责人邵诗巍表示，通过社交媒 体、微信群、线下会议等方式，向公众不特定对象推介"高收 益、低风险、稳定回本"的项目模式，往往承诺固定收益，并 鼓励不断转发、拉新，符合非法吸收公众存款的构成要件。 作者： 老盈盈 封图：视觉中国 导读 壹 || 邵诗巍表示，许多不法项目以"DeFi去中心化金融""DApp理财""稳定币挖矿"等概念包 装，实质上仍是募资和返利行为，只是借助技术外壳进行风险掩饰。 贰 || 多名参与过"鑫慷嘉"和"环球投资集团"项目的投资人士表示，两者的模式类似。 叁 || 从法律的角度而言，投资者需要对其自身的民事法律行为负责，谨慎识别和参与虚拟资 产投资项目，警惕以虚拟资产为名的非法行为，不能抱有侥幸心理。 2025年7月28日晚上八点半，一场有关DeFi（去中心化金融，一种基于区块链技术构建的新型金融 形态）模组结构运行逻辑的培训会议以网络会议的形式在进行。 这场线上培训由一个名为"方舟"（英文名为ARK）的组织举行，经济观察报记者看到，当晚约400 人参会。一名该组织的工作人员告诉记者，近两个月，他们在太原、昆明、长沙、徐州、西安等全 国多地推广一个链上的投资项目， ...

Group 1 - The core argument emphasizes that individuals cannot earn beyond their cognitive limits, and any accidental gains will eventually be lost, highlighting the importance of cognitive evolution in wealth generation [2] - The article outlines the historical context of four industrial revolutions, illustrating how each revolution has led to a significant shift in cognitive understanding and economic structures [3] Group 2 - The first industrial revolution marked a cognitive divide with the introduction of machines, leading to a 15% annual decline in traditional textile workshops between 1800 and 1810 in the UK, as machine efficiency surpassed manual labor [5] - The second industrial revolution showcased the importance of electricity, with companies like General Electric and Siemens leveraging technology and capital to create industry barriers, emphasizing the need for cognitive upgrades in business practices [5] - The third industrial revolution highlighted the impact of the internet, with Amazon achieving $514 billion in sales in 2023, demonstrating that connectivity efficiency is a key driver of productivity [5] - The fourth industrial revolution, characterized by AI, is reshaping labor dynamics, with data indicating a 40% reduction in cashier demand at Walmart due to self-checkout systems, and a 60% decrease in manual quality inspection roles at Tesla [6] Group 3 - The labor market is undergoing a quantum leap in cognitive differentiation, with only 12% of companies successfully adapting to cognitive restructuring, leading to a rapid decline in traditional roles and the emergence of new positions like AI trainers [9] - The article discusses the concept of cognitive penetration in business, where companies that deeply understand their tools can better meet customer needs, as exemplified by Adobe's approach to its products [10] Group 4 - Historical patterns indicate that each revolution serves as a "survivor game" where cognitive evolution speed determines survival quality, with examples from industrial giants like General Electric and Amazon [12] - The article suggests that individuals can navigate the AI era by developing a three-dimensional cognitive framework, focusing on data asset awareness, mastering AI tools, and enhancing human-machine collaboration [12] - The future outlook stresses that embracing cognitive evolution is essential for individuals and companies to thrive in the evolving economic landscape, with a call to integrate technology ecosystems for competitive advantage [13]