虚拟货币有多火？看看现在的显卡市场就知道了，为了“挖矿”，一些老显卡的价格都翻了好几倍，但更疯狂的是，当虚拟货币被资本市场逐渐炒热后，一些“虚拟货币”骗局也随之而来。
How hot is virtual money? Look at the current card market. For the “mining” of some old cards, prices have doubled several times, but even more insanely, when virtual money is being blown up by capital markets, some “virtual currency” scams follow.
你能想象，表面上号称是由前Google员工和某跨国公司员工联手打造而成的Plus Token虚拟货币钱包，其实是一个传销组织包装而来的吗？关于Plus Token“虚拟货币”骗局牵扯出的涉案金额高达400亿元、覆盖范围超过100多个国家，参与人数更是超过了200多万，传销层级也多达3000余层。
Can you imagine that the virtual currency wallet of Plus Token, ostensibly made by former Google employees in conjunction with the employees of a multinational company, is actually packaged by a distribution organization? The amount involved in the “virtual currency” scheme of Plus Token is as much as $40 billion, covering more than 100 countries, with more than 2 million participants and more than 3,000 layers of distribution.
之所以，Plus Token“虚拟货币”能让这么多人上当，主要是因为每月高达60%的回报率。虽然60%的回报率在其他投资领域可能比较夸张，但是虚拟货币本身就是一个高风险高回报率的投资领域，根据资产Messari的数据显示，比特币是2020年表现最好的机构资产，年初至今回报率为318%，而黄金回报率为28%，股票回报率仅为15%。
The reason why Plus Token's “virtual currency” makes so much sense is mainly because of a return of up to 60% per month. While 60% of returns may be exaggerated in other investment areas, virtual currency is itself a high-risk, high-return investment area. According to asset Messari, Bitcoin was the best corporate asset in 2020, with a return of 318% to date at the beginning of the year, compared to a gold return of 28% and a equity return of only 15%.
所以说，即使是投资老手在面对虚拟货币投资项目时也经常会把持不住，更何况普通人呢？不过，大多数的受害者其实并没有真正搞清楚什么是虚拟货币？甚至把“传销币”当做是虚拟货币。
So, even old investors often lose control over virtual money investment projects, let alone ordinary people. But most of the victims do not really know what a virtual currency is? They even treat it as a virtual currency.
究竟什么才是真正的虚拟货币？
What exactly is a real virtual currency?
目前市面上知名度最高的虚拟货币当属比特币了，而比特币的概念最初是由中本聪在2008年11月1日提出，并于2009年1月3日正式诞生。比特币其实是一种P2P形式的虚拟加密数字货币。而这种虚拟货币出现的真正意义在于，是通过点对点的传输实现一个去中心化的支付系统。
Now that the most well-known virtual currency on the market is Bitcoin, the concept of Bitcoin was originally proposed by Chinabone on 1 November 2008 and officially launched on 3 January 2009. Bitcoin is actually a virtual encrypted digital currency in the form of a P2P. And the real meaning of this virtual currency is that it is a decentralized payment system through point-to-point transmission.
比如说在普通环境中，一般是由银行担任交易中心的角色，每笔转账转多少，有没有转账成功，都由银行说了算。在银行的手中有一个账本记录着我们所有人的交易行为，我们如果想查账只能通过银行的账本。但是比特币出现之后，在去中心化的支付系统当中，这相当于每一位参与者的手中都有了一个总账本，也就是分布式账本，可以确保公平、透明。
In a normal environment, for example, banks usually play the role of centre of transactions, with each transfer being accounted for as much as it is, and if it is not successful. A book in the bank's hand records all of our transactions, and if we want to check the books, we can only check them through the bank's books. But, after Bitcoins appeared, in a decentralized payment system, it was equivalent to a master account in the hands of every participant, that is, a distributed account, that ensures fairness and transparency.
但与其他货币不同的是，比特币是依据特定算法通过大量计算产生的，使用分布式数据库来确认并记录所有的交易行为，并使用密码学的设计来确保货币流通各个环节安全性。值得一提的是，虚拟货币不是通过其它机构发行的，这点尤为关键，因为只要是通过机构发行的货币，都不算是真正的去中心化支付交易。因为只有去中心化特性与对应算法本身，才能确保不会出现人为操控币值的现象。
But, unlike other currencies, bitcoin is generated by a large number of calculations based on particular algorithms, using distributed databases to identify and record all transactions, and using cryptographic designs to ensure the security of all links in currency circulation. It is worth noting that virtual money is not issued through other institutions, which is particularly critical, because it is not truly decentralized payments as long as it is issued through institutions.
如果想要获得新的比特币（非交易），现阶段只能通过“挖矿”实现。所谓“挖矿”就是用电脑通过一系列复杂的算法计算答案，其目标是要保证比特币网络分布式记账系统的一致性。而比特币网络每10分钟会得到一个合格答案，并由网络新生成一定量的比特币作为奖励给获得答案的“矿工”。
If you want to get a new bitcoin (non-trading), it can only be done at this stage through “mining.” The so-called “mining” is a computer-based calculation of the answer through a complex array of algorithms, the goal of which is to ensure consistency in the Bitcoin network distribution accounting system.
值得一提的是，比特币只是虚拟货币中的一种，只不过它的知名度较高，所以我们才以它举例说明，不过大多数的虚拟货币原理都与其类似。对于真正的虚拟货币来说，绝对不是像某些组织为了“圈钱”而自己发行“虚拟货币”，然后靠拉人头敛财。这种行为其本质跟传销无差异。
It is worth mentioning that bitcoin is only one of the virtual currencies, but it is only one that has a high profile, and that is why we use it as an example, although most virtual monetary principles are similar to them. For real virtual money, it is absolutely not like some organizations that issue “virtual money” themselves for “circumstance money” and then build up money by pulling their heads.
尤其自己发行“虚拟货币”的行为，其本身并没有实现去中心化，所以这些糊弄人的山寨“虚拟货币”，纯粹就是打着“技术创新”的幌子拉人头圈钱，所以才有人称之为“传销币”。
In particular, the “virtual currency” issued by themselves has not in itself been decentralized, so these bogus “virtual moneys” are simply being held for money under the guise of “technology innovation”, which is why they are referred to as “distribution money”.
如何才能避免陷入虚拟货币骗局？
How can
选择投身币圈的，大多都是冲着高回报率去的，虽然大家都懂回报率越高风险越大，但很多人还是禁受不住虚拟货币高收益率带来的诱惑。但如果只顾着眼前利益，那么难免会掉入一些不法机构铺设的陷阱当中，所以说，对于虚拟货币一定要保持高度警惕，下面我们就跟大家简单列举关于一般虚拟货币骗局的几个特点，以便帮助大家提高警惕。
Most of those who choose to take part in currency circles go for high rates of return, although everyone knows that the higher the return, the greater the risk, many people cannot resist the temptation of high rates of return for virtual currencies. If one looks at the immediate benefits, it will inevitably fall into the traps laid by some illegal institutions, so let’s be very vigilant about virtual currencies.
一般来说，虚拟货币骗局一般会依托互联网、聊天工具进行交易，然后编织一些谎言，比如有陌生网友说他手中有境外优质区块链项目投资额度，可以代为投资，那么这种情况多数都是诈骗活动，只要你把钱转到他们提供的境外账户上，相当于资金流向了境外，监管跟追踪都极为不便。
In general, virtual currency scams typically rely on the Internet, chatting tools, and then fabricate lies, such as when a stranger says that he has a high-quality offshore block chain project in his possession that he can invest on his behalf, which is mostly a fraud, as long as you transfer money to an offshore account that they provide, which is equivalent to an out-of-country transfer of money, which makes it extremely difficult to regulate and track.
另外，就是一些虚拟货币骗局善于利用热点炒作，甚至利用名人“站台”宣传，故意抬高投资回报率，甚至宣称币值“只涨不跌”，试想一下就连比特币都曾经历过了大涨大跌，怎么可能会“只涨不跌”呢？而且在本文开头提到的Plus Token“虚拟货币”案例中，该传销组织就包装了一名外国留学生参加了巴菲特晚宴，以此来吸引投资人加入。所以，一些看似稳妥的虚拟货币项目一定要多方面、多渠道了解，投资不要急于一时。
Moreover, some virtual currency scams are good at using hot spots and even celebrity “stands” propaganda to deliberately raise the return on investment, and even claim that the value of the currency has been “only up or down”, and imagine how even bitcoin has experienced a huge up or down, and how it could “not fall.” And in the Plus Token “virtual currency” case, referred to at the beginning of this paper, the distribution organization packed a foreign student at a Buffett dinner to attract investors.
除此之外，人民日报对于虚拟货币骗局还曾专门报道过，一些不法分子通过公开宣传，以“静态收益”（炒币升值获利）和“动态收益”（发展下线获利）为诱饵，吸引公众投入资金，并利诱投资人发展人员加入，不断扩充资金池，具有非法集资、传销、诈骗等违法行为特征。回归本质，其实还是“借新还旧”的庞氏骗局罢了。
In addition to this, the People's Daily has specifically reported on virtual currency frauds, in which some outlaws, through public propaganda, use “static gains” (benefits from currency appreciation) and “dynamic gains” (benefits from development) as baits to attract public investment, and to induce investors to develop to join in, expanding the pool of funds, with illegal collection, distribution, fraud, etc.
而在业内资深人士看来，“区块链技术只是单纯的一个数学算法，对相关行业有着极大的帮助和改善，但是不法分子利用模糊的概念，把区块链包装成虚拟货币，甚至同日而语，对于不了解区块链的小白来说，只看到了高收益，并没有看到高风险。”
In the view of senior industry figures, “block chain technology is simply a mathematical algorithm that greatly helps and improves the industries concerned, but outlaws use vague concepts to package block chains into virtual currency, or even the same language, and see only high returns and no high risks to small whites who do not understand the block chain”.
简单总结来说，警惕虚拟货币骗局，无非要多查阅一些资料，最好能问问身边懂行的朋友，千万不要看着高回报就什么都不顾了，毕竟就算天上真会掉馅饼也不一定就砸到你的头上，对吧？只要看清楚这点，一般想上当都难。
Simply put, alert to virtual currency scams, have to look at more information, ask your friends who know how to do things, and do not look at high returns and ignore anything. Even if you can drop a pie in the sky, you don't have to hit your head, right? It's always hard to figure it out.
区块链技术是一把双刃剑，关键要看怎么用！
The block chain technology is a double-edged sword that depends on how it works!
关于虚拟货币，其系统背后的技术就是我们日常所提到的区块链技术，但有时候大家往往将两者混淆。其实，区块链技术不仅仅可以用来开发虚拟货币、数字货币，稍加完善还可以应用到互联网涉及的各个领域。因此，虚拟货币只是区块链技术的衍生产物，并不能代表区块链技术本身。
With regard to virtual money, the technology behind the system is the block chain technology that we refer to on a daily basis, but it is sometimes confused. In fact, block chain technology can be used not only to develop virtual currency, digital currency, but also to apply it to the various areas covered by the Internet.
其实，区块链技术本是一把双刃剑，没有绝对的好与不好，就看怎么去利用。比如还是在开头的案例中，利用虚拟币诈骗，一些交易记录就都是加密处理过的，想要获取该团伙的行踪，无异于“大海捞针”。所以此类案件的复杂程度，也远远超出了想象。不过好在，最后相关部门还是将犯罪嫌疑人绳之以法。可以说，在这场骗局当中，区块链反倒成了犯罪分子们的“帮凶”，当然这并不能怪区块链，毕竟技术本身无罪。
In fact, the block chain technology is a double-edged sword, and it's not exactly good or bad. In the first case, for example, using virtual currency fraud, some of the transaction records are encrypted, and the attempt to capture the group's whereabouts is no different from the “drawing of needles in the sea.” So, the complexity of such cases is far greater than imagined. But, at the end of the day, the authorities are still trying to bring the suspects to justice.
而区块链技术用得好，也能为社会、为群众造福。比如区块链技术在加密技术上就有着比较突出的优势，相比其他的网络环境更加安全，不用成天担心有人会“黑”进你的账户。此外，分布式记账的好处还在于公开、透明，大家每个人都会有一个账本，如果用在公益基金保管上，对于每笔支出大家就能一目了然。如果当初红字会能够采用区块链技术，想必也不会因为郭美美一事而导致名声一落千丈。
Block-chain technology, for example, has a significant advantage in encryption technology, which is safer than any other network environment, and does not have to worry that someone will “black” into your account. Moreover, distributional bookkeeping has the advantage of being open and transparent, and everyone will have an account book, and if it is used in the custody of a public-interest fund, it will be obvious for everyone to see every expense.
所以说，区块链技术还是有其存在的重要意义。目前，全球主要国家都在加快布局区块链技术发展，我国自然也在其中。现如今，区块链技术应用早已延伸到数字金融、物联网、智能制造、供应链管理、数字资产交易等多个领域。因此，我们认为随着区块链技术与当前一些行业关联度越来越紧密，大家的生活也会变得更轻松、更方便。当然，在这过程中，对于虚拟货币骗局还是值得我们所有人警惕，毕竟市面上打着虚拟货币圈钱的勾当仍然不在少数。
Thus, we believe that, as block chain technology becomes more and more relevant to some of today’s industries, everyone’s life will be easier and easier. Of course, in the process, virtual currency scams are still a matter of concern to all of us.
写在最后
最后，我们想说的是，不管是比特币还是其他虚拟货币，都不能代表区块链技术，甚至二者的处境地位也存在着天差地别。因为虚拟货币在多数国家ZF眼中是不被认可的，毕竟虚拟货币的本质是去中心化，而去中心化就意味着国家无法通过银行从宏观角度进行监督、管控货币流通，那市场岂不乱套？所以说，就算是真实的虚拟货币也只是一些投资机构用来炒概念的工具，真正的区块链技术远不止是为了满足这些人的欲望，而是为了创造出更多能够改变我们生活的新事物以及新技术。
Finally, what we want to say is that neither bitcoins nor other virtual currencies represent block-chain technology, and even their position is quite different. Because virtual money is not recognized in most countries’ ZFs, after all, the essence of virtual money is decentralization, and decentralization means that countries cannot monitor and regulate currency flows from a macro-level perspective through banks.
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