Virtual Money Investment Eyewash Reappears: "Fool's Game" Under High-Interest Temptations

Recently, an investment and financial management platform named "Xinkangjia" has sparked heated discussions. It is reported that the platform involves approximately 2 million investors, with an involved amount reaching up to 13 billion yuan. After the platform's funds could not be withdrawn, there are reports that the company's founder has fled abroad.

Xinkangjia is using the guise of Virtual Money investment to attract consumers with high returns. The platform claims a daily return rate of 1% and aggressively develops downlines by offering high rewards. Even when the platform is unable to make payouts, users continue to join one after another.

An investor from Wuhan stated that according to the platform's promotion, investors can earn a daily return of 1% on their principal by participating in overseas gold and oil investments, but the invested funds cannot be withdrawn within a month. About four days ago, the platform application became inaccessible. This investor participated at the end of May, and the more than 30,000 yuan invested has been completely lost.

In addition to high returns, Xinkangjia also attracts investors through operations such as recommending new members and adding positions. It is reported that the platform is divided into "four major regions" for regional classification, develops members offline, and periodically gathers and establishes WeChat groups for promotion. The level and profit-sharing ratio are determined by the number of team members, with a total of 9 levels.

Multiple local police departments have issued risk warnings, pointing out that the platform is using the name of overseas exchanges without authorization and relevant qualifications, falsely claiming to be the Chinese branch of a certain exchange, and promising high returns. This behavior is suspected of fundraising fraud.

In fact, as early as October 2024, many regulatory authorities had issued risk warnings regarding Xin Kang Jia, pointing out that it was operating a Ponzi scheme through a multi-level marketing structure. However, there are still many investors willing to take the risk and participate in this "fool's game."

Industry insiders pointed out that this is a typical case of illegal fundraising and fraud. The lawbreakers have embedded traditional illegal fundraising structures into the circulation mechanism of stablecoins to bypass RMB regulatory channels and quickly transfer funds overseas.

Experts remind that some participants are aware of the high risks involved, yet firmly believe that they will not be the "last one holding the bag". This mindset is a speculative behavior that misaligns risk, basing individual actions on the expectation of others' losses, while ignoring the unpredictability of the market and the absolute control of platform operators.

It is worth noting that knowingly participating in activities such as "referring others" and "earning commissions" on a platform that is non-compliant or even suspected of being a scam may turn participants from "victims" into "accomplices". Even if they are not part of the organization's "core personnel", as long as they actively participate and reach a certain scale, they may also constitute "joint criminal activity".

Experts suggest that investors should clarify the destination, purpose, regulatory entity, and responsible party of their funds before investing. For "investment opportunities" with compliance doubts, do not blindly believe the so-called "early entry early profit."