High-Yield 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 attracted widespread attention. It is reported that the platform has attracted around 2 million investors, with an involved amount reaching 13 billion yuan. After the funds could not be withdrawn, the platform's founder, Huang Xin, claimed in the member group that he was already abroad.

Xinkangjia, under the banner of Virtual Money investment, attracts consumers with high returns. The platform promises a daily return rate of 1% and develops downlines through high rewards, setting profit-sharing ratios based on the number of downline members. Even when the platform can no longer make payouts, there are still users joining.

Investor Huang Zheng from Wuhan stated that according to the promotion, investors can participate in overseas gold and crude oil investments through the platform, earning 1% of their principal daily, but the invested funds cannot be withdrawn within a month. About four days ago, the platform became inaccessible. Huang Zheng invested over 30,000 yuan at the end of May and is now unable to recover his funds.

In addition to high returns, Xinkangjia also attracts investments through methods such as recommending new users and adding positions. After the platform could not process withdrawals, Xinkangjia claimed that the company’s accounts were frozen by regulators due to tax evasion, requiring users to "pay taxes" at 10% of their holdings to withdraw, with withdrawal fees as high as 50%.

Public security departments in many regions have issued risk warnings, pointing out that Xinkangjia is suspected of fundraising fraud. The platform operates a Ponzi scheme through a pyramid selling structure, using methods such as "direct push rewards" and "team commissions" to develop downlines. The platform divides into "four major battle zones" based on region, promoting membership development offline, holding irregular gatherings, and creating WeChat groups for promotion.

Tianyancha data shows that the operating entity Xinkangjia, Guizhou Xinkangjia Big Data Service Co., Ltd., has applied for cancellation of registration on May 18. This company has previously been listed multiple times in the abnormal operation directory.

Experts point out that this is a typical case of illegal fundraising and fraud. The criminals embed traditional illegal fundraising structures into the circulation mechanism of stablecoins such as USDT, bypassing the regulatory channels of the RMB and quickly transferring funds overseas.

It is worth noting that some participants knowingly take risks and actively join such "foolish games," attempting to profit by "recruiting others." Legal experts warn that this behavior may turn from "victim" to "accomplice." Even if one is not a core member of the organization, as long as they actively participate and reach a certain scale, they may also constitute joint criminality.

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