一、数字货币投资是什么？
What's a digital money investment?
数字货币简称为DIGICCY，是英文的“Digital Currency”（数字货币）的缩写，是电子货币形式的替代货币。数字金币和密码货币都属于数字货币（DIGICCY）。它不能完全等同于虚拟世界中的虚拟货币，因为它经常被用于真实的商品和服务交易，而不仅仅局限在网络游戏等虚拟空间中。目前，中央银行不承认也不发行数字货币，数字货币也不一定要有基准货币。2015年流行的数字货币有：比特币，比特股等。目前全世界发行有数千种数字货币。
Digital currencies are called DIGICCCY, which is & &ldquo in English; Digital Policy” Digital Currency; Digital Currency), which is an alternative currency in the form of electronic money. Digital gold and crypto-currency are digital currencies (DIGICCY). It cannot be completely equated with virtual currencies in the virtual world, which are often used in real goods and services transactions, rather than just virtual spaces such as online games. At present, central banks do not recognize or issue digital currencies, and digital currencies do not have to have base currencies.
2017年2月，央行在发行数字货币方面取得了新进展。央行推动的基于区块链的数字票据交易平台已测试成功，由央行发行的法定数字货币已在该平台试运行，春节后央行旗下的数字货币研究所也将正式挂牌。这意味着在全球范围内，中国央行将成为首个发行数字货币并开展真实应用的中央银行。
In February 2017, the central bank made new progress in issuing digital money. The block-based digital paper trading platform promoted by the central bank has been tested successfully, and the statutory digital currency issued by the central bank has been piloted on that platform, and the Digital Monetary Institute, under the central bank’s banner after spring, will be officially listed.
二、数字货币投资骗局
II, digital currency investment scam
目前市场上所谓‘数字货币’均非法定数字货币。某些机构和企业推出的所谓‘数字货币’以及所谓推广央行发行数字货币的行为可能涉及传销和诈骗。
The current market is known as ‘ digital currency & & rsquo; and illegal digitized currencies. The so-called & & & & & & & & rsquo, introduced by certain institutions and enterprises, and the so-called promotion of the issuance of digital currency by central banks, may involve distribution and fraud.
据业内人士介绍，传销分子的基本套路是传销式数字货币的“交易行情”基本由特定机构控制，早期为吸引投资人投资，可能会将货币价格炒得很高，一旦时机成熟，就集中进行抛售，价格一落千丈，投资者最后血本无归。更为恶劣的是到返钱高峰，平台直接关闭，组织者失联，然后到其他地方包装新的概念，按照相似的骗法，继续行骗。
According to industry sources, the basic route for distributionists is “ transactional & & rdquo, which is largely controlled by a particular institution, and which may well in the early stages, in order to attract investors to invest, has the potential to press monetary prices very high and, once the time is right, concentrate on selling them at a price that falls and the investor’s last blood is lost. What is worse is that when the money comes back, the platform closes directly, the organizer loses ties, and then packs new concepts elsewhere and continues to cheat according to a similar scheme.
相比其他传销，数字货币传销一般具有三大特点：
generally has three main characteristics compared to other distributions :
一是有实在的产品——数字货币，而且被包装得很高级。
One is a real product & mdash; & mdash; digital currency, which is well packaged.
二是参加者可以获得拉人头奖励，奖品是数字货币本身。
The second is that participants may receive a head-pull award, which is the digital currency itself.
三是数字货币会随着参与骗局的人增加而升值，在数字货币升值周期，参与者可获得数字货币的数量也会增长，参与者包括最底层参与者也会获利，但是进入贬值周期，底层参与者往往损失巨大。
Third, digital currency will appreciate as the number of participants in the scheme increases, and the number of participants in the digital currency appreciation cycle will increase, and participants, including those at the bottom, will benefit, but the bottom will often lose a lot as they enter the devaluation cycle.
缴会费号称可躺着挣钱
据了解，“传销式数字货币”宣传的收益模式一般分为“静态奖”和“动态奖”，都是想满足一些人“赚快钱”的梦想。“静态奖”指购买数字货币产生的收益。想得到“静态奖”，投资者必须缴纳入会费。
It is understood that “ marketable digital currency & rdquo; promotional revenue models are generally divided into “ static prizes & rdquo; and & & & rdquo; dynamic awards & & rdquo; all to satisfy the dreams of some & & ldquo; fast money & rdquo; & & & ldquo; static prizes & & rdquao; & & rdquao; & ldquo; & & & rdquao; investors must pay their contributions.
2016年，湖南常德警方破获了一起美国未来城“万福币”特大网络传销案。“万福币”的“静态奖”就是，“只要缴纳一万元人民币即可注册成为会员，不发展会员，只等万福币价格上涨，即可躺着拿钱，一年收益率稳赚3倍左右，如果发展得好也可能达到5至10倍。”
In 2016, the Hunan Changde police broke down an American City of the Future & ldquo; Wanfuco & rdquao; meganet sales. & & & & & & & & & & & & ; & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & &, i.e., & & & & & & & & & & & & & & & & & & & & & & & & & &, & & & & & & & & & & & Qo & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # # #
今年，中华币的骗局被媒体揭开。据报道，中华币的“静态收益”模式是，注册成为“中华币”会员即可购买中华币，门槛为一单500美元（汇率固定为6.9，500美元即3450元人民币）。每单500美元中的一部分会作为推广费用被扣除，剩下的钱每天释放2%用于购买会升值的“中华币”，最终保证三年保底6倍收益。
This year, the Chinese currency scam was exposed by the media. It was reported that &ldquo of the Chinese currency; static earnings & rdquo; the model was registered as “ & Chinese & rdquo; members could buy Chinese currency at a threshold of US$ 500 (the exchange rate is fixed at US$ 6.9,500 or RMB 3450). A portion of the US$ 500 would be deducted as an extension cost, with the remaining 2% released per day for &ldquao, the Chinese currency & rdquo, and eventually guaranteed a minimum of six times the return for three years.
奖励参与者“拉人头交会费”
rewards participants & ldquao; heads-up payments & rdquao;
为了吸引更多会员加入，“传销式数字货币”往往会采取传销的方式进行疯狂推广，并美其名曰“动态奖”，本质上就是“拉人头”。
In order to attract more members, &ldquao; marketable digital currency & rdquao; frenzied promotion, often in the form of distribution and beauty & & ldquao; dynamic & rdquao; essentially & & ldquao; head & rdquao;
以“万福币诈骗案”为例，其“动态奖”是，“根据会员发展人员的多少分为1-5星、1-5金、1-5钻的三阶十五级，每个级别对应不同的奖金回报，发展了下线就能获得提成，并可层层提成，最低一星级会员可获得下线会员交纳资金10%的提成，发展的会员达到一定数量还可晋升级别，获得更多提成；5钻级会员获得下线会员交纳资金提成比例则高达80%。”
In the case of “ in the case of Van Foun fraud & rdquo; for example, in the case of “ in the Dynamic Award & & rdquo; in the case of & & & & & & & & & & & & & & & & & & & ; in the case of & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & ; in the case of & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & &, & & & & & & & & & & & & & & & & & & & & & & & & & & & & ; & & & & & & & & & & & & & & & & & & ; & & & ;
当然，无论是“静态奖”还是“动态奖”，投资者真金白银的投入最后只换来账户上无法变现的虚拟数字而已。即使有时候骗子会发放现金，也是用后来投资者的钱去补窟窿，和“庞氏骗局”一样。
Of course, whether “ static & rdquo; & & & ldquo; dynamic & rdquo; investors’ real silver investment ends up in virtual numbers that cannot be realized on the account. Even sometimes fraudsters pay cash, they use later investors’ money to fill holes, & & ldquao; Ponzi fraud & & rdquao; the same thing.
价格由庄家幕后操纵
prices are controlled by the dealer
“传销式数字货币”的“交易行情”，完全由组织者和平台方操控。前期为了吸引投资者加入，往往会把价格炒高，一旦开盘，平台方和组织者就会集中抛售套现，价格狂跌。除了组织者和极少数提早退场的人，其他投资者将血本无归。
& ldquo; & & & rdquo; & & & & & & & & & & ; transactional & & & & & & & ; entirely controlled by organizers and platform players. In order to attract investors, prices tend to be high in the upfront period, and, once open, the platform and organizers concentrate on selling, with prices falling sharply. With the exception of organizers and a very small number of early exits, other investors lose their blood.
据媒体报道，2016年5月，“中华币”正式开盘，开盘价35元人民币一枚，开盘才一个小时，价格就跌到了10元，接下来的几天更是跌到了2元，根本无人接盘，后来一直跌到仅剩5毛钱。
According to media reports, in May 2016, “ & Chinese & rdquo; official opening, with an opening price of 35 yuan and an opening price of only one hour, the price fell to 10 yuan, and in the next few days it fell to two dollars, without a single handle, and then fell to a mere 5 cents.
“传销式数字货币”的交易价格和涨跌形势完全可由组织者自己设定和修改。据报道，“万福币”所称的国际大盘其实是子虚乌有，都是组织者操纵的。常见的情况是，“传销式数字货币”到了返钱高峰时，组织者会直接玩失联，关网跑路。风声小一点之后再出来活动，包装一个新概念，继续这样骗下去。
& ldquo; marketable digital currency & rdquo; transaction prices and booms can be set and modified entirely by the organizers themselves. It is reported that & & & & & & & rdquao; the so-called international chassis is in fact non-existent and manipulated by the organizers. Commonly, & & & & ; marketable digital currency & & rdquao; and by the time the money comes back, the organizers will simply lose contact and turn off the network.
拉大旗作虎皮包装项目
Flaging Tiger Packing Project
业内人士指出，传销货币之所以能让很多人上当，一个重要原因就是常拉大旗作虎皮，伪造官方人士、权威机构的背书，把项目包装得十分高大上。
According to industry sources, one of the important reasons why money is being distributed to a large number of people is the frequent use of banners, the falsification of endorsements by official persons and authorities, and the high packaging of projects.
“中华币”介绍材料宣称，“中华币”是由中国管理科学研究院设计、中兴同寿（北京）生物科技有限公司技术团队研发的数字加密货币。已经被确定为传销骗局的“易币”，在宣传材料中称其发行平台“中国网超”系受商务部等5部委的委托搭建，该平台是中国“数字货币教学实践示范基地”之一。
& & & & ldquo; & & ldquo; & ldquo; & & & rdquo; digital encrypted currency, designed by the China Institute of Management Sciences and developed by the Technology Team of the China Institute of Biotech Co. Ltd. (Beijing). & & & ldquo; rdquo; known in promotional material as its distribution platform & ldquo; China Net Super and & rdquao; commissioned by five ministries, including the Ministry of Commerce, China & & & & ldquao; a demonstration base for digital currency teaching practice & & rdquao;
有些传销项目即使被查了，也会蛰伏一段时间换个壳继续做。比如“五行币”，其前身是一个叫“云数贸”的组织，2013年就被中国工商总局和公安部定为当年的十大传销之一。组织者宋密秋（化名为张健）出狱之后，带着“五行币”卷土重来。
Some distribution projects, if checked, will continue for some time. For example, “ & & rdquao; its predecessor, an organization called & & & & & rdquao; & Cloud Trade & & rdquao; was identified in 2013 as one of the 10 major distributions of the same year by the Chinese General Directorate of Commerce and Industry and the Ministry of Public Security.
三、哪些数字货币涉嫌非法传销？
What digital currency is suspected of illegal distribution?
江苏省互联网金融协会结合互联网传销最新特点和模式对2016年出台的《互联网传销识别指南》进行更新。本次《互联网传销识别指南》（2017版）相比去年主要新增数字货币传销以及微信传销两大部分。在数字货币传销部分，《识别指南》指出，数字货币的理解需要一定的门槛，大部分投资者并不懂数字货币，很多传销分子利用这点进行传销行骗，将“数字货币”的概念与传销结合起来，形成“传销式数字货币”。
In the digital currency distribution section, the Internet Finance Association of Jiangsu updated the Internet Distribution Identification Guide, which was launched in 2016, taking into account the latest features and patterns of Internet distribution. This Internet Distribution Identification Guide (2017 editions) is a major addition to last year’s major new digital currency distribution and micromail sales. In the digital currency distribution section, the Identification Guide notes that the understanding of digital currency requires a certain threshold, that most investors do not understand digital currency, and that many marketers use it to trick &ldquao; digital currency & & rdquao; concepts combined with distribution, resulting in &ldquao; marketable currency & & rdquao;
这份指南点名26种所谓数字货币都是披着或者疑似披着数字货币的外衣进行非法传销的项目。分别是：珍宝币、百川币、SMI、MBI、马克币、暗黑币、MMM、美国富达复利理财、克拉币、V宝、维卡币、石油币、华强币、CB亚投行香港集团、币盛、摩根币、贝塔币、世通元、U币、聚宝、21世纪福克斯、万喜理财、万福币、五行币、易币、中华币等。
The guide lists 26 so-called digital currencies as illegal distribution projects in foreign clothes that are or are suspected to be in digital currency. These are: Treasure coins, Pecheon coins, SMIs, MBI, Markco, Black Coin, MMM, US Fought-Multipolis, Kraco, VPo, Vikaco, Petroleum Coin, Chinese Coin, CBA Hong Kong Group, Coin, Morgan Coin, Betaco, United States dollar, U.S. Dollars, Fokes of the 21st century, Man Qiji, Min Fuku, Five Bankers, convertible, Chinese Chinese currency, etc.
四、如何辨别数字货币是否是传销货币？
> ; how to identify digital currency as a distribution currency?
值得注意的是，比特币这样的真正的虚拟数字货币与专门骗人钱财的传销货币有很大不同，投资者必须仔细辨别。《互联网传销识别指南》（2017版）指出， 投资者可以从5个方面判断数字货币是否是虚拟货币。
It is worth noting that a real digital currency like Bitcoin is very different from a peddling currency, and investors must carefully distinguish it. The Internet Distribution Identification Guide (2017 version) states that investors can judge whether a digital currency is a virtual currency in five ways.
（1）发行方式
(1) distribution
虚拟货币不依靠特定货币机构发行，它依据特定算法，通过大量的计算产生，是去中心化的发行方式。每个不同的终端节点负责维护同一个账本，而这个维护过程主要是算法对交易信息进行打包和加密，而传销货币则主要由某个机构发行，并且采用拉人头的方式获利。
Virtual money is not issued by a specific monetary institution; it is generated by a large number of calculations and is distributed decentralized. Each of the different terminal nodes is responsible for maintaining the same account book, while the maintenance process is mainly algorithmic to package and encrypt transaction information, while the passing currency is mainly issued by an institution and profites by pulling head.
（2）交易方式
(2) transaction mode
虚拟货币是市场自发形成的零散交易，形成规模后逐渐由第三方建立交易所来完成交易。而传销货币则有某个机构自己发行，并且自建平台来进行交易。
Virtual money is a piecemeal transaction created by the market and formed on a scale that allows a third party to set up an exchange to complete the transaction. The passing currency is issued by an institution itself and is traded on a self-established platform.
（3）实现方式
(3) how to achieve
虚拟货币本身是开源程序，在Github社区维护。其总量限制的参数和方式，均显示在开源代码中。而传销货币的开源是完全抄袭别人的开源代码，且没有使用开源代码来搭建程序，所以其本质跟Q币一样是可受网站控制的。
Virtual money itself is an open source program, maintained in the Github community. The parameters and modalities of its aggregate limit are shown in the open source code. The open source of the transmission money is a complete copy of the open source code, and the open source code is not used to build the program, so that it is essentially subject to the same Q-dollar control as the website.
（4）是否给出源代码链接
(4) Whether to give source links
一般的去中心化数字货币都会在官网的显要位置给出源代码的链接，这样做是为了公开透明地展示货币系统的运作机制。而传销货币重点宣传的是充值购买交易流程，并不提及其运作机制，甚至网站都没有源代码的链接地址。
The usual decentralised digital currency provides a link to the source code in a prominent location on the network, in order to provide an open and transparent picture of the operating mechanisms of the monetary system. The focus of the currency distribution is on the buying process at full value, without any reference to its operating mechanisms, or even to the fact that the website does not have a link address to the source code.
（5）官网是否是https开头
(5) is the beginning of https
一般的去中心化数字货币的官网和交易网站地址都以https开头，其目的是这类网址可以很好地保护用户的数据不被非法窃取。但传销货币的官网、交易网站等在内的相关网站都没有以https开头。
The general decentralised digital money network and trading site addresses start with https, the purpose of which is that such sites can well protect users from illegal theft. However, none of the relevant websites, such as the money distribution network, the trading website, etc., start with https.
注册有任何问题请添加 微信：MVIP619 拉你进入群
打开微信扫一扫
添加客服
进入交流群
发表评论