High-Interest Eyewash Under the Packaging of Virtual Money: Step by Step Leading Investors to Become Accomplices

Recently, an investment and financial management platform named "Xinkangjia" has sparked heated discussions. It is reported that the platform involves 2 million investors, with an amount involved reaching up to 13 billion yuan. After the platform's funds became non-withdrawable, the company's founder, Huang Xin, claimed to be abroad.

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

A Hubei investor, Wu Li, shared her experience of being scammed out of more than 8300 USDT on social media. Another investor, Zhang Yi, timely discovered that his mother was involved in this eyewash and quickly demanded the return of his 15000 yuan investment. Wuhan investor Huang Zheng invested over 30,000 yuan and is currently unable to recover it.

The platform claims that investors can participate in overseas gold and oil investments through it. In addition to high returns, Xin Kang Jia also attracts investors through operations such as recommending new users and increasing positions. After June 25, the platform experienced withdrawal issues, and the system subsequently crashed. The platform claimed that accounts were frozen due to tax evasion and required users to "pay taxes" at 10% of their holding amount in order to withdraw, which was actually another way to harvest investors.

Multiple local police have issued risk warnings, pointing out that Xin Kang Jia is suspected of fundraising fraud. The platform conducts a Ponzi scheme through a pyramid selling structure, using methods such as "direct push rewards" and "team commissions" to develop downlines. The platform's operating entity, Guizhou Xin Kang Jia Big Data Service Co., Ltd., has applied for cancellation of registration on May 18.

Experts point out that this is a typical case of illegal fundraising and fraud. The lawbreakers embed traditional illegal fundraising structures into the circulation mechanisms of stablecoins like USDT, bypassing regulatory channels and quickly transferring funds abroad.

It is worth noting that some participants knowingly engage in the risks and even post new funding platform information in the comment section of related events. This "fool's game" mentality is a speculative behavior that misaligns risk, establishing individual actions based on the expectation of others' losses.

Legal experts remind that knowingly participating in activities such as recruiting others and earning commissions on a non-compliant platform may turn one from a "victim" into an "accomplice." Even if one is not a core member of the organization, as long as they actively participate and reach a certain scale, it may also constitute joint criminal activity.

Experts suggest that investors should clarify the direction of funds, usage, regulatory entities, and responsible parties before participating in any investment. For "investment opportunities" with unclear compliance, do not blindly believe in so-called "early entry, early profit."