Core Viewpoint - The article highlights the ongoing prevalence of fraudulent financial schemes, particularly focusing on the pyramid scheme operated by Yuzhi Financial, which promises high returns and employs aggressive recruitment tactics to expand its investor base [2][6][25]. Summary by Sections Fraudulent Operations - Yuzhi Financial presents itself as a virtual currency trading platform, claiming a cumulative return of up to 370.6% over thirty days, enticing investors with high returns while requiring them to recruit others to earn commissions [2][6]. - The scheme requires investors to pay a "self-certification deposit" of 20% of their total account balance to withdraw earnings, with withdrawal fees increasing from 10% to 30% [2][14]. - The company claims to have 3 million members, suggesting a potential scale of over 20 billion yuan, although actual figures are difficult to verify due to possible false advertising [2][3]. Regulatory Warnings - The Guangdong provincial government issued a warning about Yuzhi Financial, stating that it operates without the necessary licenses and that its app, HSEX, is unauthorized [3][4]. - The Hong Kong Stock Exchange has flagged Yuzhi Financial and its associated apps as suspicious, confirming multiple complaints regarding illegal financing activities [14][17]. Investor Experiences - Investors like Wang Qin have reported being unable to withdraw funds, realizing too late that they were part of a scam designed to extract more money from them [9][16]. - The scheme's structure relies heavily on continuous recruitment, with participants needing to bring in new investors to recoup their initial investments [12][30]. Characteristics of the Scheme - The operation is characterized by a lack of tangible projects, with promises of high monthly returns that attract new investors while paying older ones with their own funds [25][36]. - The article notes that these schemes often utilize social media and community networks to spread, making them difficult to regulate and monitor [27][36]. Broader Implications - The rise of such schemes is linked to the increasing use of virtual currencies and the lack of understanding among the public regarding investment risks [29][37]. - Legal experts emphasize the need for both regulatory action and public awareness to combat the allure of high-return investments that often lead to financial loss [37].

披上"虚拟货币交易"等时髦的外衣，以"三十天的累计收益高达370.6%"，用高收益来吸引投资者，要求投资者发展下线，并承诺根据拉来的人头数量和投资 金额给予高额奖励，形成金字塔式的传销骗局。这是煜志金融有限公司（下称"煜志金融"）运作的资金盘骗局。 需要缴纳账户总金额20%的"自证保证金"才能提取收益，提现手续费也从10%上涨到30%——2025年12月8日，在投资平台"HSEX"上参与虚拟资产跟单交易 的投资者收到这个通知后，慌了神。"HSEX"是煜志金融旗下多个虚拟资产交易app之一。 11月27日至12月7日，煜志金融刚举办了一场年度分红活动，声明其间所有会员的每日收益可以翻倍。活动的宣传海报上赫然写着"300万"——这是煜志金融 团队一直宣称的会员人数。 假定煜志金融宣传的300万会员为真，叠加最低投资门槛7400元，那么这个资金盘的规模超过200亿元。若考虑可能虚假宣传和投资者分散、app众多等情 况，该平台实际规模难以统计，也暂无官方渠道披露真实金额。 11月27日，广东省信宜市防范和打击非法金融活动联席会议办公室发布《致广大市民的一封信》提醒，个别机构或个人涉嫌以"X志金融有限公司"名义从事 非 ...