Virtual Money Investment Platform Explosion: How High-Interest Eyewash Turns Investors into Accomplices?

Recently, an investment and financial management platform called "Xin Kang Jia" has caused a stir. It is reported that approximately 2 million investors are involved, with the amount involved reaching as high as 13 billion yuan. After the platform's funds could not be withdrawn, the company's founder claimed to be abroad.

Xinkangjia is using the banner of Virtual Money investment to attract consumers with high returns. The platform claims a daily return rate of 1% and develops downlines by setting high rewards, with profit-sharing ratios based on the number of downline members. Even when the platform is unable to make payouts, there are still users joining in.

Multiple investors reported that, in addition to high returns, by recommending newcomers and adding positions, Xin Kang Jia was able to recover costs in a short period and quickly generate dozens of times returns. However, after June 25, the platform experienced withdrawal issues, and the system subsequently crashed. The platform claimed that account funds were frozen due to tax evasion, requiring users to "pay taxes" at 10% of their holdings to withdraw, with withdrawal fees as high as 50%.

Police in multiple regions have issued risk warnings, indicating that Xinkangjia is suspected of fundraising fraud. In fact, as early as October 2024, regulatory authorities in multiple regions had issued risk warnings regarding this platform, all pointing out that it conducts a Ponzi scheme through a pyramid scheme structure.

The investigation shows that Xinkangjia mainly develops downlines through methods such as "direct push rewards" and "team commissions". The platform divides into "four major battle zones" by region, develops members offline, gathers and builds groups for promotion irregularly, determines levels and profit-sharing ratios based on team size, with a total of 9 levels.

It is worth noting that some investors knowingly participate in the platform despite its high risks, attempting to profit from it. This behavior is referred to in the industry as "fool's game," where participants often believe they can withdraw at the last moment. However, legal experts warn that even if one is not a core member of the organization, active participation and reaching a certain scale may constitute complicity in a crime.

Experts suggest that investors should clarify the flow of funds, investment targets, regulatory bodies, and responsible entities before participating in any investment activities. For "investment opportunities" with unclear compliance, do not blindly believe in the so-called "early entry and early profit." In addition, our country has explicitly prohibited the operation and speculation of virtual money, and individual investors should stay away from such illegal financial activities to prevent significant risks.