Wukong financial virtual currency

1. Wuji coin is one of 350 financial scams revealed by CCTV. I suggest we stay away from this currency
at present, all kinds of fund pyramid schemes and online pyramid schemes are rampant in the market. It is reported that such pyramid schemes will close their networks and run away in the short term, so we need to be vigilant. Now let's take a look at the institutions listed in the following list. At the same time, please publicize the list to help relatives and friends stay away from fraud and keep their hard-earned money Www begins as follows)
wk Walker financial management, www alliance mutual aid, Wai Junfu entrepreneurial platform, Vicat (struggling), Wanfu coin, Wanda compound interest financial management, Wanda MMM financial mutual aid, everything has my supreme life, Wanxi financial management (running), micro turn power, voscoin, Wade wealth mutual aid community, Future City Wanfu coin, infinite coin, Wuji coin, Wukong financial management Wuhuan Instrial Alliance mutual aid, micro Bangke financial mutual aid
bitcoin, Ruitai, Laite and doggy are the real digital currencies.

2. It should be safe, or careful.

3. The elder martial brother of 16 years old, who obtained the empty coins before, has been exchanged for the surrounding areas, and many of them are idle. Three months ago, I found that I could exchange 1000-20 coupons. I happily bought them with coupons every day. I could invest 1000 yuan a day for financial management in March, and still get 888 empty coins. As a result, the revenue doubled. Is it cost-effective to have a cycle in March!

4. There is no way, this is not OK

5. Amazing income: the principal of 6 million yuan rolled to 140 million yuan in seven years
the reporter of China Economic Weekly learned that before the crime, Zhang Xiaolei had transferred most of the business of Nanjing company to Shanghai, and Qianbao's last office address was located in Room 308, 3 / F, building 1, Lane 1220, Zhoujiazui Road, Yangpu District, Shanghai. On December 31, 2017, a reporter from China Economic Weekly found that the office space had been emptied
Qianbao's former office address, building 2, Shanghai network audio-visual instry base, Zizhu high tech Zone, Minhang District, Shanghai, has no trace of Qianbao. Previously, this address was registered as the office address of 10 companies by Zhang Xiaolei. The security guard on ty confirmed that Qianbao had worked there, but he had already moved away. In addition, its "Qianwang Shanghai Art Space" in Henglong square on Nanjing West Road has been idle for a long time
as early as August 2017, it was reported that the headquarters of qianbao.com in Shanghai was empty. However, Zhang Xiaolei's "personal experience" calmed the worries of "Baofen" and increased their trust in Zhang Xiaolei. After the Nanjing public security released the news, many "Baofen" still can't believe that their "bald brother" Zhang Xiaolei turned himself in
in the early morning of December 31, 2017, the reporter of China Economic Weekly listened to the QQ calls of the rights defenders in the "Qianbao official rights group". The "rights defenders" who stayed up all night were very worried about whether they could get back the principal. Most of them said they didn't plan to report the case and "have a look and see"
however, some "Baofen" gathered at the gate of Nanjing Public Security Bureau. In addition to defending rights and reporting cases, some "Baofen" asked the public security bureau to "release people as soon as possible". More "Baofen" seem to be at a loss, discussing with each other how to keep their own funds
a "Baofen" told China Economic Weekly that he worked as Qianbao later, but a "big family" he knew was one of the first 15 people to work as Qianbao in 2010, with a total of 6 million yuan invested in principal, which rolled to 140 million yuan seven years later“ He keeps more than 70 million yuan in Qianbao, and can get 88000 yuan by signing on Qianbao every day. There are more than 60 million yuan left. He bought a house and a car. These early investors made a lot of money. "
Chen Xin, another investor, confirmed the above statement. A friend he knew, with the principal of 1.9 million yuan, increased to 99 million yuan in the seven years of Qianbao, making 52 times
but investors are not always lucky. Chen Xin said that he had invested more than 1.3 million yuan in Qianbao, which had accumulated to more than 3.7 million yuan before the incident. "In 2014, the equity of Qianbao bought by 300000 yuan cashed more than 1.8 million yuan, up six times." Seeing that it is easy to make money, Chen Xin has borrowed more than 600000 yuan from the bank and invested in Qianbao. In addition, he has invested in "P2P companies" such as Nanjing Blueberry (which has run away and the result of the court trial has been published). So far, he has not got any money back. Now he has to sell his house to repay the loan< According to the instrial and commercial data, Qianbao originally belonged to Jiangsu Qianwang Intelligent System Co., Ltd., which was established in 2010 with a registered capital of 50 million yuan and Zhang Xiaolei as the legal representative. In 2016, Qianbao was changed to Cheng Qiankun Intelligent System Co., Ltd
Qian Wang once publicized that Qian Wang 1.0 was officially launched in October 2010, with its Internet procts such as qianbao.com and Wukong browser. But the reporter of China Economic Weekly found that Qian Wangqi's domain names, such as www.qianwang365.com The registration time was in 2014
according to people familiar with the matter, when Qianbao was just established, it carried out projects with an investment of 1 million yuan and an annual rate of return of 100%“ At that time, most people in Nanjing didn't believe it. A small number of people who invested even went to work on Qianbao every day to prevent the company from running away. "
in 2008, Nanjing entered the peak period of urban renewal, and many people received a large amount of compensation. However, ring the same period, the stock market was depressed and the bank interest rate was low. As a result, a number of capital pools emerged in Nanjing, and many people set up financial management companies
ten years ago, when private financing was in urgent need of standardization, there were a lot of funds, but they fell very fast. The funds that survived the waves were more and more trusted, and the funds were more and more concentrated. At that time, Qianwang began to rise
in order to prevent a run, Zhang Xiaolei gathered popularity by registering to send cash, quickly formed another fund pool, and formed two fund pools online and offline. Because the operation of Qianbao was not mature at this time, many speculators took advantage of the loopholes in the rules to "collect wool", but Qianbao was also "popular with one shot". After discovering that Qian Bao was still "standing firm" after he had been deprived of a large amount of money, some people began to try to invest with exploratory psychology. The water storage of Qian Bao's fund pool graally formed a scale, and the two fund pools online and offline could be transferred to each other< According to the publicity materials of qianbao.com, when users register as members of qianbao.com and pay a certain amount of deposit, they will become "Baofen". They can go to the "task hall" to receive tasks such as watching advertisements, filling out questionnaires, and playing games. After completing the tasks, they can get certain income. According to the relevant cases in the data of qianbao.com, if users can pay a deposit of 100000 yuan and guarantee to complete a certain amount of "advertising" tasks every day, they can get a minimum income of 4000 yuan and a maximum income of more than 10000 yuan per month
according to the investigation of China Economic Weekly, the revenue components of Qianbao include task revenue, sign in revenue, promotion revenue, etc. Among them, task income and promotion income account for the majority of the overall income (30% - 40%), and the premise of obtaining task income is to pay a deposit ranging from 100 yuan to 500000 yuan. If you want to withdraw cash immediately, you also need to charge a certain commission fee
take Xuanrong society, a task proct of qianbao.com as an example, the eagle eye monitoring & Building "intelligent eye" task of the proct needs to pay 331500 yuan deposit, with a cycle of 75 days. After watching the first, middle and second episodes of thunder, it can obtain a specific income of 35400 yuan, which is converted into an alt yield of 52.08%; Unfinished viewing can also get a profit of 29400 yuan, with an alt yield of 43.24%
the currency in circulation in qianbao.com is not electronic RMB, but a virtual currency called "Qianbao currency", with the exchange ratio of 100:1. In 2016, qianbao.com launched a new year's task, that is, it needs to pay 52 million Qianbao coins in advance as a deposit, equivalent to 520000 yuan. After completing the task, it can get 1077000 Qianbao coins, equivalent to 107000 yuan
some people in the instry believe that Qianbao's so-called "watching ads" and "playing games" are basically about 2 points per month (36% of the annual income), plus the daily check-in income of 0.05%, Qianbao's comprehensive income to users is as high as 3.5 points per month (42% of the annual income), and the compound interest is more than 50%, which is like usury
under the temptation of high revenue, a large number of profit seekers put real money into the website. Qianbao previously said that as of September 2017, there were more than 200 million registered users and more than 50 billion yuan of platform flow
since then, Qianbao has been evolving from a platform that only paid deposit to get high returns from advertising tasks to a "P2P + wechat" platform with high return commitment based on wechat and equity investment. In addition to the above-mentioned playing methods, there are also a series of micro business platform functions, such as purchasing goods through "Baofen" and opening micro stores for arbitrage, equity investment, project investment, etc
in 2015, after the upgrade, Qianbao implanted social networking, shopping, sharing and other functions, claiming to transform into a wechat business platform. In the view of people in the instry, qianbao.com does this for the following reasons: firstly, it is to clean up, secondly, it is to bring some cash flow to maintain the operation of the platform (the shop owners who settle in qianbao.com have to pay 20000 yuan as a mortgage), thirdly, it is to establish a distribution system.

6. Zhuge Liang told Lu Su to lend him 20 boats, each with 30 soldiers Answer: Zhuge Liang said to Lu Su, "you lend me 20 boats, and each boat needs 30 soldiers."

7. Internet financial procts have been booming in 2014, but they are still emerging one after another. According to the 2014 Internet financial report from rong360, there were 79 "baby" procts and over 1600 P2P platforms in 2014. The rapid increase in the number of financial management platforms and the homogenization of asset targets make the acquisition cost of users increase rapidly. At present, it is generally believed that the acquisition cost of an effective investment and financial management account is more than 1000 yuan. How to rece the acquisition cost of effective investment users, how to improve user retention and user loyalty is particularly important
although the underlying assets of the financial platform have a fundamental impact on the financial procts, I jump out of the limitation of the assets. According to my own actual investment experience of multiple platforms, extensive interviews and Research on dozens of procts, what kind of procts can give users a better experience when the assets are similar, Obtain and retain users at a lower cost to form a good word-of-mouth effect

the first step is to lock in your own user group
in many fields, gender, age and occupation will be selected as the target user positioning criteria when doing user portrait analysis. In the field of Internet finance, the most core criterion is the scale of user's financial capital, because the scale of financial capital affects the four core elements of financial management: liquidity demand, financial service, and so on Income requirements, security requirements and management (time) costs willing to invest in financial management
here, "long term average account balance" - the average indivial account balance of a user for more than six months is taken as the standard. According to this standard, we can classify it as follows:

1; Students, white-collar workers and blue collar workers:
the average monthly income is less than 5000 yuan, and the monthly disposable income is less than 4000 yuan. Excluding all kinds of consumption, only less than 1000 yuan is left for financial management. Once you need to travel, buy an iPhone 6 and other large consumer items, you need to rely on credit card installment to meet. The typical characteristic of this kind of users is that the average account balance is less than 1000 yuan, and it is often negative
for this kind of people, the liquidity equivalent to the current deposit of the bank is the first demand, followed by the income, and because the scale is too small, this kind of users do not have the motivation to take the initiative in financial management, and their financial awareness is limited. Bank current deposit and yu'ebao not only have certain income, but also have excellent payment function at any time, which is the first choice for this kind of users. Although the per capita "financial management" scale is only a few thousand yuan, there are hundreds of millions of such users, and a considerable part of yu'ebao's 500 billion scale belongs to this kind of people
2. Long term average account balance & lt; Blue collar workers and white-collar workers who have worked for a certain period of time have been able to keep thousands of yuan to 10000 yuan in their accounts for a long time. However, when large consumption items occur, they still need better liquidity. They hope to put their money in a place with higher income than banks and yu'ebao. Some users who are not very familiar with online finance will still keep their funds in banks and Alipay, but some users will start to try other financial platforms, including the category of balance treasure procts (daily fund, demand treasure, over 6% years of demand, and 14 years' sales of 170 billion), and ETF procts (such as real treasure, ultra 12%).
3. The long-term average account balance is 10000-50000 yuan. Blue collar and white-collar workers with certain working years have an average of 10000-50000 yuan in the long-term account. Even for large consumption items (such as iPhone 6), there are still a lot of surplus funds. In addition to investing in some highly liquid yu'ebao like procts, such users can also invest in some medium and long-term financial procts with relatively weak liquidity, such as 7% annual income 30 day financial plan, 8% annual income 120 day financial plan, etc. For this kind of users, Tongban street and Wukong financial management performed well
4. Indivials or families with a long-term average account balance of more than 50000 and less than 1 million and a certain amount of savings
for this kind of users, their awareness of financial management is obviously enhanced, they are willing to spend more time to understand different financial management options, and they will take the initiative to allocate their own assets. Users with high risk preference will give priority to the allocation of floating income assets, such as stocks and equity funds, while risk averse users will allocate more fixed income assets, such as P2P and non-standard asset management platform
in this crowd classification, snowball.com, lufax, renren.com and renren.com performed very well, and the proportion of "baby" procts decreased rapidly e to their small target, low investment efficiency and high management cost
5. Indivials or families with more than 1 million long-term average account balance and more savings
for this kind of users, the main body of financial management is often the family's main financial manager, mainly women. The whereabouts of these financial users' funds are relatively traditional. Financial advisers from offline banks or wealth management companies, account managers of securities companies and insurance brokers will actively contact these users and recommend collective trust plans with an average annual return of more than 8%. Users can see their own funds, long-term financial income is relatively considerable, some people will invest in the above types. On the online side, in addition to convenience and security, financial revenue should not be lower than that of offline channels in order to win. Therefore, online decentralized allocation of stock funds and higher income P2P become the main ways
the figure below shows that with the change of the scale of financing funds, the requirements for liquidity, income and security of users' financing decisions are changing. The more financing funds, the lower the liquidity requirements and the higher the income requirements. When the user's investment scale is more than 10000, that is, the actual value of financial revenue to the user increases, the user will be willing to try a financial platform with higher revenue, and the risk tolerance / willingness is higher. However, for each user, the weight of each variable in actual decision-making needs to be seen according to the indivial risk preference. The figure below reflects the overall trend

the second step is to design procts with excellent user experience for the target financial users<

1. Liquidity design - more convenient to meet the demand for money
there are four types of users' demand for liquidity, which can be used at any time; Plan to spend money the next day; Plan to spend money in a few months; Spare money. Users' pursuit of liquidity is in conflict with the feature of long debt. Compared with the scheme of 2 yuan / time or free cash withdrawal on most platforms, Wukong financial management is more ingenious. Cash can be withdrawn free of charge at any time every month, which not only meets the liquidity needs of users, but also makes users feel the details of humanized design
2. Revenue design makes users feel that they have earned
although the decisive factor of revenue level is debt revenue, there are still some structural design methods with better user experience and effect. This paper mainly discusses the three innovation methods I have seen:
the higher the yield is, the higher the daily yield is. In the monetary fund financial procts, the "one key mutual transfer" function of the fund every day is very interesting. Users can transfer their own fund shares to the fund with the highest return according to the highest annualized interest rate on the 7th of that day. Generally, the annualized rate of the highest return fund is higher than 6%, so the nominal return rate is higher than yu'ebao. Although in fact, investors are unlikely to have the energy to carry out such operations every day, a short-term monetary fund with 6% annualized return on that day may yield only 4.5% next week, but compared with other monetary fund current procts, the practice of daily fund is very opportune
earnings rise month by month, making every month happier. Another innovative approach is Wukong financial management, which innovatively adopts the way that the first month's income of users in Wukong financial management is only 6%, and then increases by 0.5% month by month, with the highest annual income of 11%, greatly improving the life cycle of users' retention and financial users. Every time users come, they feel like they've made money
there is also a way to pay attention to is the revenue scenario, that is, the expected revenue is digitized or materialized. The target of 6% annualized income of RMB 100000 can be described as a term of 12 months, annualized rate of return of 6% and one-time repayment of principal and interest at maturity. You can also add 106000 yuan of principal and interest income e to the investment in the description, or you can buy a GoPro (2900 yuan) + a trip to Taiwan
obviously, the description of income in kind and cash income makes users understand the value of financial management better. As mentioned in the above user description, for users with financing funds below 50000 yuan, they are all quasi Xiao users. They have three procts with the same annual interest rate and the same term. Why don't users choose a financing platform that enables them to realize their ideal lifestyle
3. Security design must be reliable
for security, the basic practice of each platform is roughly the same, high registered capital + top venture capital injection + XX bank custody + XX payment guarantee fund security + XX guarantee / risk guarantee fund. It is worth noting that no matter what kind of procts are, they are obliged to disclose the use and whereabouts of users' financial funds. Another interesting fact is that proper PR and new media operation are equally important for the security of users' cognitive platform. When the user network is a financial platform, what happens? Concerned about whether WeChat can see the official account number and interact with it after the financial platform is concerned?
the third step is how to bring in new talents
at present, there are three effective ways to pull in new procts: high experience wealth management fund, friend sharing incentive plan, and visualization of simulated investment income
1. High experience money, the favorite of the party
"100000 yuan for free" -- similar slogans are widely spread in wechat groups and friends. Users can enjoy the high experience money plan with different amount and ration, such as 100000 yuan for one day and 10000 yuan for one week, by registering. Users can get about 10 yuan of income without paying money, which is a good way. Now users see more and less interest
2. Friend sharing incentive plan
invite friends to register and invest, that is, both users and friends are rewarded to a certain extent, including 2000 yuan experience gold for one month, 2% interest rate increase coupon, 20 yuan telephone fee, etc. This kind of plan must let the invited object also have a reward, otherwise the sharer will not be willing to share
3. Visualization of simulated investment income
for some more innovative online financial management methods, such as juaicai plus, it is very similar to the practice of wealthfront, an innovative financial management platform in the United States. However, domestic financial users are not familiar with one-stop asset allocation, and juaicai plus can give users virtual financial funds of 50000 yuan and other amounts, And real-time simulation of daily "real income", so that users can realize the possibility of investment results, so as to achieve the purpose of user cognition
Step 4, how to improve the experience of Internet financial procts
1. There is temperature, which makes users like
a good name, lovely mascot, fresh logo and catchy slogan are all good. The official account of official financial professionals is professional, rigorous and serious. But users always like things with temperature. The Wukong financial management with cute mascot is based on a WeChat public account. It has tens of millions of fans, millions of investors, and users who care about Wukong official account can often receive the content of love and fun.