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Shanghai Headquarters of the Central Bank Issues Another Warning: Digital Yuan Scam "Traps" Evolve, How Can the Public Strengthen Their Defenses?

The People's Bank of China Shanghai Headquarters has issued a renewed warning about the rise of sophisticated scams exploiting the name of the digital yuan (e-CNY). Fraudsters are luring victims through social media and短视频 platforms with fake recruitment ads for "official digital yuan promotion agents," promising high returns like "exchange subsidies" and "commission rebates." These criminal operations use well-organized online groups, fake official documents, and fraudulent "training sessions" to convince targets to convert funds into digital yuan and deposit them into controlled wallets. The central bank emphasized that the digital yuan is a legal tender meant for payments, has no investment or speculative value, and warned the public to avoid high-return promises, referral schemes, unknown links, and unsolicited group invitations. The scams thrive on public misconceptions: confusing the state-backed digital currency with speculative cryptocurrencies, misunderstanding its official two-tier operating structure (PBOC → authorized banks), and misinterpreting technical features like programmability as investment opportunities. Authorities have responded with precise public guidance—the "Four Don’ts"—and enhanced inter-department coordination. Beyond combating fraud, the note highlights the digital yuan’s strategic role as a compliant foundation for future digital asset ecosystems, particularly in the tokenization of real-world assets (RWA), where it could enable efficient, transparent, and regulated transactions. Maintaining public trust is crucial for its long-term adoption and integration into the real economy.

marsbit12/19 09:29