来源：燃财经 作者：贝尔
Source: Burning Finance. Author: Bell.
半年前，雨欣的姑妈在家人群推荐了一款名为PlusToken数字货币钱包，声称单月利息高达10%以上。禁不住亲戚的推荐和利益的诱惑，雨欣投入了10万元。半年之后，这笔资金已经涨至30余万元。
Six months ago, Yu Xin’s aunt recommended a digital currency wallet called PlusToken, claiming that one month’s interest was more than 10%. The fascination of relatives’ advice and interests led the rain to invest $100,000. Six months later, the money had risen to more than 300,000.
本以为自己捡了个大便宜，可是最近的一则消息，让她慌了神。6月27日晚，有消息称PlusToken钱包已经无法提现。根据财经网的报道，PlusToken钱包崩盘已成定局，涉案人数超过百万，涉案金额或在200亿元，被称为“币圈第一资金盘”。
On the night of June 27, it was reported that PlusToken’s wallet was undiscoverable. According to the Financial Intelligence Network, PlusToken’s wallet crashed, with more than a million people involved, or 20 billion dollars, known as the First Money in the Currency Circle.
早在2018年10月，PlusToken钱包的模式便被人质疑。据称这款钱包不仅在保本的情况下通过“搬砖”为投资者带来10%-30%的月收益，还能通过发展下线获得收益，因此也被称为一场传销骗局。
As early as October 2018, the pattern of PlusToken’s wallet was questioned. The wallet was said to have generated a 10-30% monthly gain for investors not only by “brick move” in the context of the insurance policy, but also by development offline, and thus was described as a ploy to sell.
所谓搬砖，实际上是“套利”的一种通俗说法。据业内人士分析，尽管目前的数字货币市场会存在套利的空间，但实际操作中每月10%-30%的收益率根本难以实现；此外，一些数字货币钱包在不甘于基本的存储数字货币功能后也变成资金盘，其中一个明显的现象便是钱包也“承诺利息”，而这种情况下出事概率高达90%。
According to industry, despite the arbitrage that exists in the current digital money market, the 10-30% rate of return per month in actual operations is simply difficult to achieve; moreover, some digital money wallets are turned into money trays when they do not have the basic digital currency function, and one of the obvious phenomena is that wallets are also “interested” – a 90% probability in such cases.
日前，有媒体报道称，疑似PlusToken创始团队的6名中国籍人士在国外被捕，但尚未完全证实。
More recently, media reports indicate that six Chinese nationals suspected of being part of PlusToken's founding team were arrested abroad but have not yet been fully substantiated.
01 亲戚三次推荐，用户投了10万元
A couple of times they recommended it, and the user voted for $100,000.
雨欣第一次接触PlusToken，是在半年前。
Rain's first contact with PlusToken was six months ago.
今年2月初，过年回老家的雨欣无意间在家人群里看到一则广告链接，一个名为PlusToken的数字钱包声称可以带来每月10%-30%的收益，“利息比市面上的理财产品高很多。”这是PlusToken给雨欣的第一印象。
At the beginning of February, when the rain of the year returned home to see an ad link among the family, a digital wallet called PlusToken claimed a 10-30 per cent return per month, “interest is much higher than the market property.” This is the first impression that PlusToken gave.
怀着好奇心，雨欣就多问了一句，然后她的姑妈就开始不停给她推荐这款数字钱包。
With curiosity, Rain Xin asked a few more questions and her aunt began to recommend this digital wallet to her.
“我之前听过数字货币，但是一直没玩过。当时只知道整个数字货币市场不好，价格也波动很大，并不想参与。”雨欣说。
“I've heard of digital money before, but I haven't played it before. All I knew was that the entire digital money market was bad, that prices were volatile and that I didn't want to be involved.” Rain said.
但是姑妈却告诉她，PlusToken钱包跟银行的理财产品一样，但是利息会高很多，是一个“非常好的理财产品”。“我从小就跟我姑妈很亲近，架不住她三番五次给我推荐，我就答应她买一点。”雨欣说。
But my aunt told her that PlusToken's wallet was the same as the bank's property, but the interest would be much higher, and it would be a “very good property.” “I've been close to my aunt since I was a kid, and I couldn't get her advice three times, so I promised her a little.” Rain said.
在姑妈的帮助下，雨欣投了约10万元钱，买了包括比特币在内几种数字货币存放到PlusToken钱包内。
With aunty's help, the rain poured about $100,000 and bought several digital currencies, including bitcoin, to be stored in PlusToken's wallet.
PlusToken的宣传页面
PlusToken promotional page
“把币存放到PlusToken钱包之后，姑妈把我拉进一个微信群，里边都是一些炒币交流的聊天，他们还经常交流谁谁又邀请了几个人，获得了多少收益，成为了某某级别的账户。”雨欣说，群里人甚至还游说雨欣也把身边的人邀请进来，“加的人越多，收益越高。”
“When the money was stored in PlusToken's wallet, my aunt pulled me into a micro-certificate, where there was a lot of talk about how many people had been invited, how much money had been earned, and became an account of a certain level.” Rain Xin said that the crowd even lobbied Rain Xin to invite the people around, “The more more the people, the higher the return.”
直觉让雨欣认为这是一个骗局，可雨欣账户里的资金确实每天都在获得收益，而且收益率综合算下来每月超过10%。这样来看，10万元钱一个月就能带来1万元收益，甚至跟自己上班的工资差不多。“一度我觉得，这样下去我投10万元钱，就可以不用上班了。”
Intuitively, Rain Xin thinks it's a scam, but the money in Rain Xin's account does get paid every day, and the rate of return, taken together, exceeds 10% a month. In this way, $100,000 a month would bring $10,000, or even the same amount as my own salary. "At one time, I thought I'd put $100,000 in, so I wouldn't have to go to work."
此后，雨欣又接连投入了几笔资金，但数额不大。
Since then, Rainin has made several successive investments, but in small amounts.
到了今年6月，随着币价的提升，再加上几个月下来的收益，雨欣账户内的数字货币已经价值超过30万元。“我并不是每天都看账户的信息，27日晚看到有人说PlusToken钱包提币困难，我才感觉到不对劲。”当晚，雨欣在钱包申请提币，但是两天后提币仍未到账，此后PlusToken钱包崩盘的消息接连爆出。
By June of this year, with the rise in currency prices, coupled with several months of gains, the digital currency in the Xin account was worth more than $300,000. “I did not read the account every day, and I felt it wrong to see someone say that PlusToken’s wallet was difficult to raise money on the night of 27.” That evening, Rain Xin applied for a tender in his wallet, but two days later the money was still outstanding, and then news of the collapse of PlusToken’s wallet exploded.
“现在我连登陆都登不上去了，只能先去报案。”雨欣说。
"I can't even land now. I have to report it." Rain said.
这只是一个缩影。据燃财经了解，PlusToken钱包崩盘前，有投资者投资了上百万元。根据此前消息，早在2018年8月，PlusToken用户就突破了100万人，并且公司表示2019年会员数会突破1000万人。而财经网的报道称，今年4月26日，PlusToken钱包的地址中就已经储存了价值约8.731亿美元的数字货币，折合人民币约60亿元；截至目前PlusToken的涉案金额或在200亿元，是“币圈第一大资金盘项目”，崩盘已成定局。
According to previous news, as early as August 2018, PlusToken had broken over 1 million people, and the company had indicated that its membership would break by 10 million in 2019. According to the financial network, on 26 April this year, PlusToken’s wallet had already contained some $873.1 million worth of digital currency, equivalent to about $6 billion; and, as of now, PlusToken’s value, or $20 billion, was the “first-largest money-plate project” and the collapse had been finalized.
02 钱包也给付利息？崩盘概率90%
The wallet pays interest? 90% chance of a crash.
PlusToken钱包成立于2018年4月，宣称是继imToken之后，全球第二大数字货币钱包，提供数字货币存储服务。其一个吸引人的点在于，投资者存入币后，开启“智能狗”搬砖的功能，就可以在保本的情况下，获得10%-30%的月收益。
PlusToken's wallet was established in April 2018, claiming to be the second largest digital currency wallet in the world after ImToken, providing a digital money storage service. One of its attractions is that when investors deposit money, the smart dog can start a brick removal function and get 10-30 per cent of the monthly return in the case of insurance.
所谓搬砖，实际上是套利的一种通俗说法，是指交易者在不同价格的数字货币交易市场进行低买高卖，从而在价格差上套取利益。
The so-called brick removal is, in fact, a common arbitrage, meaning that traders take advantage of price differentials through low-buying and high-sales in digital currency trading markets at different prices.
一名投资者称，智能狗搬砖的功能需要投资者钱包内的代币价值超过500美元，作为回报，其收益率高达每月10%-30%。为了增加用户的安全感，智能狗可以“随时提币”。但是，PlusToken也设置了一个规则——28天内提币扣5%手续费，28天后只需要1%。
One investor argued that the smart dog's ability to move bricks required a token value of more than $500 in the investor's wallet, in return for a return of up to 10-30% per month. In order to increase user security, the smart dog could “touch at any time.” PlusToken, however, also set a rule — 5 per cent of the fee in 28 days and 1 per cent in 28 days.
搬砖套利真的可信吗？据业内人士计算，算上交易手续费等各项支出，在各国交易所若没有超过15%-20%的利润差的情况下，搬砖套利的实操性不大。
Is it true that brick-carbing arbitrage is credible? According to industry figures, it is less practical to move brick arbitrage without more than 15-20% of the profit margins of national exchanges.
财经作家、币策首席分析师肖磊告诉燃财经，从技术上看，套利（搬砖）是永远存在的，比的是速度、资金量、差价空间，但是实际操作上难度很大，尤其是超过几亿、几十亿的资金，是不太可能做到及时套利。“看上去某个币种在两个交易所的差价是20%，但是等你实际操作的时候，刚低买了价值几百万甚至几十万的币，可能币价就涨上去了。因为有些币整体市值就不高，几十万的资金就能够拉盘。”
Financial writers, chief analysts of currency policy, have told me that arbitrage is technologically permanent, compared to speed, amount of money, price differentials, but operational difficulties, especially over hundreds of millions and billions of dollars, are unlikely to be timely arbitrage. “It seems that the difference between a currency on two exchanges is 20%, but when you actually do it, the price may rise when you buy millions of dollars or even hundreds of thousands of dollars less. Because some currencies as a whole have little market value, hundreds of thousands of dollars of money can be pulled.”
肖磊称，数字货币市场发展到现在，比特币、以太坊等主流币种的套利空间已经非常少了，“除非极少数特别专业、打通国内外账户的，可能会有一点点空间，规模可能也每天只有100万元左右。”
Shaw argues that the digital money market has now developed and that there is very little arbitrage in mainstream currencies such as Bitcoin and Etheria, “unless very few special professionals have access to domestic and foreign accounts, there may be a little space, and the size may be around $1 million a day”.
“如果没有具体数据的话，如什么时间、在哪个交易所套利，成交额是多少，这个套利的操作是说服不了别人的。”肖磊说。
“If there is no specific data, such as the time, the exchange, and the amount of the deal, this arbitrage cannot be persuaded.” Shaw said.
实际上，早在2018年10月，就有人对PlusToken钱包的“搬砖”模式进行分析。分析称，投资者在PlusToken钱包开启智能狗后，个人的币自动转入到了某个ETH（以太坊）个人钱包地址，此时投资者账户显示的只是资产数字，并非真正的数字货币。
In fact, as early as October 2018, an analysis was made of the “brick move” model of PlusToken's wallet. The analysis stated that after an investor opened a smart dog in the PlusToken wallet, the individual's currency was automatically transferred to an ETH (Etheria) personal wallet address, when the investor's account showed only an asset number, not a real digital currency.
PlusToken ETH地址
PlusToken ETH Address
这也就意味着，该平台所谓的“搬砖”，其实是将投资者账户的数字货币转移到某个个人账户，根本没有在交易所之间进行低买高卖。
This also means that the platform's so-called “brick removal” is in fact transferring the digital currency of the investor's account to an individual account, without any low-selling between exchanges.
肖磊认为，现在套利的空间已经很少，甚至说几乎没有。靠“搬砖”获得高收益，是骗外行人。“一款数字钱包一旦承诺付利息，性质就变了，成了资金盘，出事是一个90%概率的事儿。”肖磊说。
Shaw said, "There is little arbitrage now, even little arbitrage. High returns from moving bricks are a lie to amateurs." “When a digital wallet promises to pay interest, it changes in nature, becomes a pool of money, and what happens is a 90% probability.” Shaw said.
03 “一年分红150万美元”的骗局
A fraud of 1.5 million dollars a year.
除了“搬砖”的诱惑手段，PlusToken钱包还有一个非常厉害的招式——暴利诱惑拉人头。
In addition to the “brick move” temptation, PlusToken's wallet has a very powerful trick — the stupendous temptation to pull a head.
PlusToken账户分为四个等级：
The PlusToken account is divided into four levels:
第一级，大户。正如上文所提到的投资者雨欣所说，PlusToken钱包采取发展下线的奖励方式。开启智能狗的用户，直推10名有效用户（需开启智能狗），且十级下线用户开启智能狗的总市值达到20万美金时，可以享受十层搬砖奖励。直推一层可分得100%全额奖励，二层到十层的各分10%奖励，十层之外奖励15%。
First level, large households. As PlusToken’s wallet, as mentioned above, is an incentive to develop the bottom line. Ten layers of brick move incentives are available to users of smart dogs, 10 active users (which need to be opened) and the total market value of 10 tiers of low-line users is $200,000.
通俗而言，当一个PlusToken用户发展了10层下线，每一层级下线每月都有价值100美元的收益，那么这名用户首先可得到其第一层下线的100%收益，也即100美元，然后还能获得第二至第十层下线各10%的收益；如果十层之外还有下线，则其还能获得这些下线总收益的15%。
In general terms, when a PlusToken user develops a 10-story bottom line, each of which has a value of $100 per month, the user receives first 100 per cent of the value of the first floor line, or $100, and then 10 per cent of the 10 per cent of the value of the second to tenth floor; and 15 per cent of the total benefit of the bottom line if the 10 floors are left behind.
第二级，大咖。直推超过10个有效用户，其中三个已发展为大户，那么其从第二到第十级下线获得的奖励金比例为20%。
Second level, big curry. More than 10 active users, three of whom have grown into large households, receive a 20% reward from the bottom line of the second to tenth levels.
第三级，大神。直推超过10个有效用户，其中三个发展为大咖，那么其从第二到第十级下线获得的奖励金比例为25%。
Third level, Magnificent. More than 10 active users, three of whom have developed into big curry, receive a 25% incentive from the bottom of the second to tenth levels.
网上流传的一份PlusToken钱包推广计划
An online PlusToken wallet promotion program
第四级，创始。直推超过10个有效用户，其中三个发展为大神，平台除给予所有的奖励，还额外给予月度分红和年底分红。
Level four, founding. Directly pushing more than 10 active users, three of which have developed into great gods, and the platform, in addition to all the incentives, gives a monthly bonus and an end-of-year bonus.
而创始的所有分红，一年不低于150万美金。
And all the shares that were created, no less than $1.5 million a year.
总结而言，只需要用户花500美元开启智能狗，然后不断发展下线，一旦达到“创始”级别，便能获得150万美元奖励。不得不说，这是一个极为诱人的数字。
In summary, just $500 is needed for users to turn on smart dogs, then to grow off the line and get a $1.5 million reward once they have reached the “founder” level. This is an extremely attractive figure, to say the least.
根据《中华人民共和国反传销法》规定，这种要求用户交纳费用取得加入资格，并通过发展多级下线、以下线的业绩为依据计算和给付上线报酬的方式，已经构成传销行为。
In accordance with the provisions of the Law of the People's Republic of China on Anti-Sales, such means of requiring users to pay fees to qualify for membership and of calculating and paying on-line remuneration on the basis of the development of multi-level downlinks and sub-line performance have become a distribution act.
肖磊认为，传销是资金盘的一种，“只要有资金盘的地方，就会借助包括炒币在内的各种工具来扩散。”在他看来，之所以币圈会有大量的传销行为存在，原因之一是监管的不到位，此外骗局组织者也借助受害人“因炒币被骗不敢报案”的心理更明目张胆。
According to Shaw, distribution is one of the types of funds, “where there are funds, it spreads through a variety of tools, including the coins.” In his view, one of the reasons for the large number of distributions in the currency circle is the lack of supervision and the fact that fraud organizers use the victim's “no one dares to report it” mentality.
他称，即便用户的数字货币被骗，也要及时报警处理。
He stated that even if the user's digital currency was being defrauded, it would have to be handled in a timely manner by the police.
*应受访者要求，文中雨欣为化名。
* At the request of the interviewer, the name is changed from rain to rain.
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