Starting from a collective turn on Wall Street in the fall of 2024, Citrini Research released a report that was later widely cited. Its core argument pointed to a fact that made technology stock bulls uneasy: the crowding degree of AI concept stocks has peaked.
"The daily income is as high as '1.5% ~ 2%'" "Deposit 100,000 yuan, and the interest will be 1,400 yuan a day" "(Invest) 500,000 yuan can earn more than 7,000 yuan a day"... Is this kind of yield a "pie" or a "trap"? Recently, Chao News reporters have received several complaints from readers, saying that they were suspected of being deceived by an investment platform called "Future Yunqi".
The complainant said that the platform uses virtual "digital collections" as investment targets, claiming that the collections have "appreciation potential" and the daily income is considerable. But in fact, these collections have no real value support and cannot be freely traded or freely withdrawn. The system backend can even force them to be removed from the shelves or "analyzed" into worthless "gold treasures" at any time, making all digital assets useless.
Reporters found that there are still many complaints against Future Yunqi on social platforms such as WeChat video accounts and Xiaohongshu.
What kind of platform is this? Are its operations in violation of regulations? What risks do investors face? The reporter conducted an in-depth investigation.
Post-00s guy takes out a loan to speculate on “digital collections”
More than 700,000 yuan was deposited into the platform and was wasted
Xiao Tang (pseudonym), a "post-00s generation" in Taizhou, Zhejiang, reported on Future Yunqi on social platforms, saying that the company was suspected of defrauding college students from tuition fees and inducing teenagers to take loans. He himself suffered a total loss of more than 700,000 yuan.
The reporter contacted Xiao Tang, who learned about the "Future Yunqi" APP in February 2025. "At the gym, a fitness instructor recommended it and said it could make money." Xiao Tang said that the instructor told him that Future Yunqi is China's leading "digital collection" service provider. You can get considerable profits by participating in the "picture grabbing" recharge activity on the Future Yunqi platform. Under the "slow growth" mode of the platform, it promises a daily increase of 1.5% to 2.0%, and both the recharge amount and the income can be freely withdrawn.
Such a generous reward made Xiao Tang excited. He immediately downloaded the APP and registered, chose to join one of the trading communities, and contacted the "team leader" of the community. Xiao Tang said that the community team leader is mainly responsible for attracting "subordinates" to the platform to "play". The collections of the "subordinates" will appreciate in value at a certain rate every day, and the team leader can get a "handling fee", which is a rebate.
As for the real name and identity of the team leader, Xiao Tang said he has never known it.
"Digital collection" without "sale key" Photo provided by interviewee
At the beginning, Xiao Tang invested several thousand yuan to try out his skills. He set his alarm clock at 3pm every day and snapped up "digital collections" on the APP (because the collections are all computer-generated pictures, users are accustomed to calling them "pictures"). "Pictures" that are usually released at 3 o'clock will be sold out in 2 minutes. After grabbing it, put the "picture" on the platform and "deposit" it, and the value will increase every day according to the increase. After the number of storage days is reached, you can make a profit by listing it on the platform and selling it.
"The short storage period is 5 days, and the long one is more than 20 days. You can see it every day, and the 'picture' will always 'appreciate'." Xiao Tang said that when he first started playing, the value did increase every day. After the storage period is reached, the system is unlocked and a "sell" button will be displayed. After appraising the value, you can sell it at any time, and you can freely withdraw cash after the fee is received.
As for who bought it, whether it was another real user, or whether it was recycled by the platform itself, Xiao Tang didn’t know. “I can only see the words sold.”
Driven by high returns and "team leader taking the lead", Xiao Tang invested a total of more than 700,000 yuan in multiple installments, of which 300,000 yuan was an online loan he borrowed.
"The team leader promised us to at least protect our capital. If we lose money, he will personally subsidize it. He also often posts rewards in the circle of friends of 'recharge 10,000 yuan and get a 100 yuan red envelope' to encourage us to increase our positions." Xiao Tang said.
Xiao Tang realized something was wrong when in July 2025, the collection worth 600,000 yuan held by Xiao Tang depreciated significantly and could not be sold. The platform explained that it was due to "hacker invasion." The team leader also told him that he needed to continue to invest additional funds to "unwind". Xiao Tang added funds again, but was trapped again.
“(Now) the collection cannot be sold or liquidated,” Xiao Tang said.
On social platforms, similar complainants also have many screenshots from Xiaohongshu
More than 300 people formed a group to defend their rights
“Platform management is chaotic and rules are formulated arbitrarily”
There are many people who have had the same experience as Xiao Tang, from all over the country.
The reporter joined two WeChat rights protection groups, with a total of more than 300 people in them. The amount invested by a single person ranged from tens of thousands to hundreds of thousands of yuan. Most of the group is born after 2000, some are still in college, and some of their funds come from tuition fees or online loans. Now, many people’s credit reports have collapsed and their lives are in trouble.
Xiao Yang, a post-2000 generation in Fujian, said that he and his relatives and friends had recharged a total of 580,000 yuan on the Future Yunqi platform. “All of my wealth was invested in the Future Yunqi platform to purchase digital collections, but the funds were withheld by the platform and have not been released so far.”
Mr. Luo from Ningbo said that in the future, Yunqi APP will recharge about 300,000 yuan, but the platform turned his assets into something called an "analysis card" on July 13, which has no value and cannot be liquidated. A Fujian user named Bibing (pseudonym) said that he lost 300,000 to 400,000 yuan on "Future Yunqi", and the balance was backdated into pictures, and his savings over the past few years were locked up.
Xiao Yang’s multiple applications for cash withdrawal were not approved by the respondent.
Xiao Yang said that the person in charge of Future Yunqi once responded, saying that the company is a digital collection company, and users on the platform are free to place orders and conduct voluntary transactions. The official does not promise profits, and the increase is not controlled by the platform. But in fact, Xiao Yang said, pending order trading is not that easy, and the rules are set by the platform and can be changed at will.
On December 22 and December 29, 2025, Future Yunqi issued two announcements to adjust the withdrawal rules. The first time required that the balance be multiplied by a coefficient of 1.6% for withdrawal. In other words, if the user has 10,000 yuan in his wallet, he can only withdraw 160 yuan. For the second time, the platform launched the "Future Wallet" function, with increasingly complex rules and strict withdrawal limits.
But the most fundamental problem is that users’ money is used to purchase pictures, but the pictures cannot be traded, realized, and withdrawn.
"Now I have all the pictures that cannot be sold. There is no 'sell' button anymore. The platform rules, picture values, and background data are all decided by the company." Xiao Yang said, "The interface of the platform has also completely changed."
The reporter logged into the Future Yunqi APP and found that the system was still in operation and there were still digital collections for sale on the homepage, but it showed that they were sold out. On social platforms, there are still many accounts "attracting new recruits" to Future Yunqi. One copy wrote: If you invest 10,000 yuan, you can receive a profit of 140 yuan a day, and you can earn more than 4,000 yuan a month. If you invest 100,000 yuan, you can make more than 7,000 yuan in just 5 days.
Such high returns are far beyond common sense.
The event flyer that Xiao Yang received before had words such as "compensation guaranteed" and "I will bear the risk" written on it. Provided by the interviewee
1. Open Alipay and click on the [More] option.
2. Find [My Customer Service] in more functions (in Convenient Life) and click
3. Scroll down to find the option of [Online Customer Service]
4. After entering my customer service, we enter [Modify real-name authentication]
5. Four options will pop up. Choose the appropriate one according to your situation.
6. Try the first method [I have changed my name/I have changed my ID card] and click to modify the name.
7. Take a photo of your ID card here, confirm and upload it and wait for review.
Extended information:
Certification
Users need real-name authentication to use payment services, which is a requirement put forward by regulatory agencies such as the central bank. After real-name authentication, you can open a store on Taobao, add more payment services, and more importantly, help improve the security of your account.
Real-name authentication requires verification of member identity information and bank account information at the same time.
Starting from July 1, 2016, users with incomplete real-name authentication will have their balance payment and transfer functions restricted.
Personal payment accounts are divided into three categories, and each type of account has different functions, limits and information authentication standards. Among them, Type I accounts only require an external channel to verify customer identity information, such as online verification of resident ID card information, and the corresponding payment limit is only the cumulative limit of 1,000 yuan since the account was opened. The balance of this type of account can be used for consumption and transfer, and is mainly suitable for customers' small and temporary payments. The intensity of customer real-name authentication for Type II and Type III accounts is relatively high, and customer identity information is verified through at least three and five external channels respectively. Among them, the balance payment limit for Type II accounts is a cumulative annual accumulation of 100,000 yuan. The balance payment limit for Type III accounts is an annual cumulative RMB 200,000.
The three words NFT make many people change their minds when they hear it.
The surge in 2021, the crash in 2022, and the large-scale flight in 2023 - that period of history will not be forgotten by those who have stepped on the pitfalls.
So why will the digital art assets track become hot again in 2026? Is this the second round of cutting leeks, or has there really been a qualitative change?
The answer is: It’s not the same thing.
NFT vs digital collection vs NFR, three concepts need to be distinguished
NFT (Non-Fungible Token): Built on public chains such as Ethereum, decentralized and circulated globally. It sounds beautiful, but the problem is: under China’s regulatory framework, public chain transactions involve cryptocurrencies, with ambiguous legal status and extremely high risks. Most NFT projects are not supported by physical assets, and their value depends purely on consensus. Once the consensus collapses, it will return to zero.
Digital collections (domestic compliance version): Runs on the consortium chain, is not linked to cryptocurrency, and is subject to regulatory constraints. It is stable, but the liquidity is poor. If you buy it, it is basically locked, making it difficult to trade again.
NFR (non-fungible equity certificate): This is the latest generation. The core difference is that it binds physical property rights and commercial rights.
Dimensions
Traditional digital collections
NFR equity certificate
Rights content
Digital Image Ownership
Binding physical property rights + commercial interests
Liquidity
restricted
Designed to be circulated
value support
digital image itself
Physical assets + IP equity
Rights confirmation method
On-chain storage
On-chain + legal double confirmation of rights
Compliance
generally
High (connected with Shenzhen Cultural Exchange)
The Hongyike project adopts the NFR system. Buy a "Painting Series" NFR, and what you actually own is:
The legal ownership certificate of the original work signed by Mo Xuanzi. Digital files stored in decentralized IPFS (never lost). Intelligent contract automatically executes rights and interests to guarantee the highest level of membership (priority for art exhibitions, autographs, and offline activities).
The four no principles delineate the boundaries: no financialization, no securitization, no acceptance of speculation, and no promise of returns. These four items have blocked the biggest risk points in advance.
In the digital collection 2.0 era, the rules have changed.
Question interaction: Have you ever been fooled by NFT? If it were a compliant NFR, would you still consider it? Chat in the comment area
With the popularity of digital life, Alipay has become an indispensable part of our daily lives. However, sometimes we may need to change Alipay's real-name authentication information for various reasons. So, how to modify Alipay real-name authentication? Below, we will introduce it to you in detail.
First, you need to ensure that the Alipay APP has been installed on your phone and logged in to your account. After opening the Alipay APP, tap the "My" button in the lower right corner of the screen on the homepage to enter the personal center page. Then, click the "Settings" icon in the upper right corner to enter the settings menu. In the settings menu, find and click the "Accounts & Security" option.
On the "Account and Security" page, scroll down to find and click the "Real-name Authentication" option. At this point, you will see the current real-name authentication information. Click the "Change Certification" button, and then fill in the new name, ID number and other real-name information as prompted on the page. Please note that the information here must be true and valid, otherwise it will not pass the review.
Next, according to the page requirements, you need to upload photos of the front and back of your new ID card. When taking photos, please make sure the photos are clear and complete, and the ID information is correct. After uploading the photo, carefully check the information and submit it for review after confirming it is correct.
Alipay will review the new information you submit. Please wait patiently during the review process. Once the review is passed, your real-name authentication information will be updated successfully. If the review fails, Alipay will give corresponding prompts and you need to resubmit the information according to the prompts.
In addition to the above methods, you can also modify the real-name authentication information through Alipay's "My Customer Service" function. On the Alipay homepage, click the "More" button, find and click "My Customer Service" (usually located in the "Convenient Life" section). On the "My Customer Service" page, scroll down to the bottom of the page and click "Online Service." In the dialogue window with customer service, enter "Modify real-name authentication" and send. The system will provide several options. Please select the appropriate reason for modification based on your actual situation, and then follow the prompts.
Before changing the real-name authentication, please ensure that your account status is normal and there are no outstanding transactions or disputes. At the same time, changes to real-name authentication information may take some time to review, so please be patient.
After passing the interview, it usually means that you will be hired, but if you are notified that a background check is required, it means that whether you can join the job is still uncertain, so job seekers will also be concerned about how long it will take for the pre-employment background investigation report to be issued, which is related to the content of the background check and the position you are applying for.
1. Online back-check report will be issued on the same day
The efficiency of online back investigation is very high, because the investigated content can be queried through public databases or websites, and the preliminary authorization and final report issuance are also conducted online. As long as the authorization is obtained and the basic information of the respondent is obtained, the investigation can be completed quickly and the report can be issued, and the results can be known on the same day.
2. Back-up transfer for ordinary positions takes about three working days.
If you need to investigate the candidate's work resume, you need to combine offline background checks and manually contact the certifier from the original unit by phone, which will take longer. Ordinary positions usually only require an investigation of the candidate's previous work experience, and the results can usually be obtained within three working days and a background report can be submitted. But it will also be affected by other factors. If the authorization is not timely, the time will be extended.
3. Back-up transfer for high-level positions takes about five working days
Recruiting for high-level positions requires a more in-depth background investigation, more content is investigated, and the work resume will be increased to three paragraphs or more, which will take up more time. It usually takes five working days to complete, and if there is a holiday in between, you will need to wait longer.
As for how long the pre-employment background check takes, the above introduces different situations. Because most job seekers are in ordinary positions, they can determine whether they can join the job after three days. If you only need to investigate basic information, you can know the results soon after authorization.
You can receive electronic ID cards through Alipay, but what should you do if the electronic ID card on Alipay expires? What impact will it have? How to update Alipay ID card? Let’s take a look and find out more below!
How to update Alipay ID card
Open Alipay on your mobile phone, click on the customer service symbol in the upper right corner of my page, enter the customer service center and click on modify identity information on this page.
When entering the modify identity information page, click "My identity information has changed."
Click to enter the modification in the new page, and click to upload a new ID card in the new page that pops up.
What are the consequences if the Alipay ID card expires?
After the ID card in Alipay expires, it may affect the use of the payment function of your account balance. After re-applying for a certificate at the police station, you can log in to the Alipay website on the computer to update your identity information, or you can update the certificate on Alipay on your mobile phone.
How to check whether the ID card information has expired in Alipay?
1. Open "Alipay" on your mobile phone and click [My] in the lower right corner.
2. On the My Alipay page, click [My Customer Service].
3. On the customer service consultation page, click the search bar and enter [ID card expired] to search.
4. After the search is successful, you can see the impact of the expired ID card and click on it.
5. If you activate Huabei, your Alipay ID card has expired, which will also affect the use of Huabei.
6. The ID card has expired, which affects the normal use of the account, so it is best to click "Renew ID Now".
This concludes this article on how to update the Alipay ID card on the Alipay ID card. For more information about the impact of the expiration of the Alipay ID card, please search the previous articles of IT Encyclopedia or continue to browse the relevant articles below. I hope you will support IT Encyclopedia in the future!
Ifeng.com’s Financial Reporting Team Arrived At The 2020 Davos Forum To Bring Fresh Information2026-03-26Comments(0)