"Central Stablecoin," "JD Stablecoin," "Promotional Coin Giveaway"—when these terms frequently appear in your social media and chat groups, do you feel a twinge of excitement, thinking that a wealth opportunity has arrived? Stop right there! In 2025, an era of rapid development in the digital economy, scammers are disguising themselves in the guise of "national strategy" and "big company endorsement," using AI face-swapping technology to create fake videos and weave dazzling "stablecoin" scams. They precisely capture people's desire for wealth growth, throwing out bait like "high returns" and "capital protection," while their ultimate goal is the real money in your pocket. As official institutions and tech giants issue warnings, we must open our eyes and recognize these "old tricks" scams cloaked in high-tech attire.
- It's all a scam! Officials have repeatedly debunked it.
From 2024 to 2025, JD, Ant Group, Tencent, and institutions under the central bank have successively issued statements, clearly stating: "We have never issued or authorized any 'stablecoin' projects."
JD's official debunking: Clearly states that it has never issued or authorized any project named "JD Stablecoin."
Ant Group's official debunking: Emphasizes that it has never issued or authorized any "Ant Stablecoin" or similar digital currency.
Tencent's official debunking: States that Tencent and its products have not issued any form of stablecoin.
Central bank's affiliated institutions debunking: The People's Bank of China and related institutions have repeatedly reiterated that China's legal digital currency is the digital renminbi, which is uniformly issued by the central bank, and there is no situation where any third-party institution or individual issues a "Central Stablecoin."
Ridiculously, scammers have even come up with terms like "Rare Earth Group Stablecoin" and "Central Finance Stablecoin," attempting to exploit the public's trust in national strategy and emerging technology for fraud. Anti-fraud centers in multiple regions have also issued warnings, listing "stablecoin promotional rebates" as a new type of online scam. For example, in a case in Zhejiang, a fake stablecoin project called "Xinkangjia" rolled away over 10 billion yuan in just three months, with more than 2 million victims. Remember: you are attracted by their "1:1 peg to the US dollar," while they are after all your principal.
- Why do people keep getting scammed? Breakdown of the four major tricks of scammers.
Despite repeated debunking by officials, there are still many victims falling for the scams. Scammers often target human weaknesses with their tricks:
High-sounding terms that sound like the government is giving away money: Scammers are adept at using grand narratives like "central," "finance," "digital renminbi," and "national strategy" to package fake projects as having a "national team" background, making it easy for the uninformed public, especially the elderly, to believe it is a national welfare or investment opportunity.
"Visible returns," account numbers rising daily: Scammers use fake backend data to show enticing returns like daily 1%, compound interest, and promotional rebates, making victims see their account numbers continuously rising, creating the illusion of "guaranteed profits." However, these numbers are merely virtual, and the withdrawal button is always greyed out, unable to be cashed out.
Using USDT for transactions, bypassing bank risk controls: Scammers often guide victims to transfer funds by purchasing USDT (Tether) and other cryptocurrencies. This "RMB → Buy USDT → Transfer to scammer's address" on-chain transfer method is usually completed within 10 minutes and is anonymous, making it extremely difficult for the police to trace the funds.
Recruiting through multi-level marketing, family and friends are all coerced: Scams often accompany a multi-level marketing model, encouraging victims to develop downlines through incentives like "team leader" and "group leader." To qualify for withdrawals or higher returns, victims are willing to bring in friends and family, ultimately leading to broken relationships and expanded victimization.
- How to spot "fake stablecoins" in 3 seconds, remember these points.
In the face of various "stablecoin" scams, how can ordinary people quickly identify them? Remember the following points:
Real stablecoins:
Issued by licensed institutions (such as USDT, USDC in the US; Hong Kong will have licensed HKD stablecoins in the future).
Audited monthly, with publicly available reserve reports, ensuring a 1:1 peg to fiat currency or specific assets.
Mainly used for cryptocurrency trading or cross-border payments, without promises of high returns.
Fake stablecoins:
White papers only mention "national strategy," lacking audit reports and contract addresses or other technical details.
Require you to transfer funds to personal wallets or unfamiliar OTC merchants, rather than formal exchanges or licensed institutions.
Promote "capital protection with high interest" and "guaranteed profits," but never mention the destination of funds or risks.
Use AI face-swapping celebrities for endorsements, with rough visuals, relying entirely on photo editing.
- How should ordinary people use stablecoins?
Real stablecoins won't make you "rich overnight"; they are merely stable-value exchange mediums, mainly used for:
Cryptocurrency trading: Used as an intermediary currency in compliant exchanges for quick exchanges between crypto assets.
Cross-border trade: For example, over 3,000 merchants in Yiwu use USDT for payments, saving high fees and improving capital turnover efficiency.
Aside from that, any claims of "domestic stablecoins," "internal testing promotions," or "referral bonuses" are scams.
- Protect your wallet | Remember these few points.
The right to issue currency belongs to the state and cannot be delegated to individuals or apps. Any third party claiming to issue "official stablecoins" is a scam.
Download the "National Anti-Fraud Center" app, input the project name to verify. This is the most direct and effective way to validate.
If someone in the group shows "daily USDT received," delete them immediately. Their profit is your loss; such "sharing" is a typical inducement behavior.
Forward this to your parents and family: They are the "target users" that scammers most want, and raising their awareness of prevention is crucial.
Summary:
Technology is always ahead, while scams are always retro. In 2025, stablecoins are a real trend, but trend ≠ shortcut to wealth. Remember this: "When stablecoins start promising high returns, they are no longer stable, only 'coins'—scammer's coins." Next time someone tells you to "get on board," delete them decisively and cut your losses in time.
Related: The National Natural Science Foundation of China releases research topics on stablecoins; what exactly did it say?
Original: “Central Bank, Tencent, JD Com Speak Out, Concerning Impersonated 'Stablecoins'!”
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