近年来，虚拟货币和虚拟货币交易在中国逐渐兴起，成为许多投资者关注的热点。然而，对于这一领域的法律法规和监管规定，很多人仍心存疑虑。作为一位币圈资深从业者，我将在本篇文章中对中国虚拟货币和虚拟货币交易的法律底线进行解读和说明。
In recent years, virtual currency and virtual currency transactions have emerged in China as hot spots for many investors. However, many people still have doubts about the laws, regulations, and regulations in this area.
一、虚拟货币的合法性？
1. 虚拟货币在中国的法律地位
The legal status of virtual currency in China
目前，中国尚未明确将虚拟货币定义为合法形式的货币，因此并不具有与传统法定货币等同的法律地位。虚拟货币仍然存在一定的法律风险和监管挑战。
At present, China has not clearly defined virtual currency as a currency in its legal form, and therefore does not have the same legal status as traditional legal currencies. Virtual currencies still present some legal risks and regulatory challenges.
2. 虚拟货币交易的合法性
2. Legitimacy of virtual currency transactions
根据当前的法律规定，在中国境内，虚拟货币交易平台与虚拟货币交易商需要遵守相关规定和执照要求才能合法经营。对于未经授权或者违反规定的平台和商家从事虚拟货币交易的行为，将被视为非法操作。
Under current legislation, virtual money trading platforms and virtual currency traders in China are required to comply with the relevant regulations and licensing requirements in order to operate legally.
3. 虚拟货币交易的监管限制
3. Regulatory restrictions on virtual currency transactions
为了加强对虚拟货币交易的监管和风险防范，中国政府实施了一系列监管措施，包括但不限于：限制个人或机构参与虚拟货币交易、禁止银行和支付机构提供相关服务、加强对虚拟货币交易平台的监管等。投资者应认真了解并遵守这些限制，以免触犯法律。
In order to strengthen regulation and risk prevention of virtual currency transactions, the Chinese Government has implemented a number of regulatory measures, including, but not limited to, restricting the participation of individuals or institutions in virtual currency transactions, prohibiting banks and payment agencies from providing related services, and strengthening the supervision of virtual money trading platforms.
虚拟货币在中国目前尚未获得法律上的合法地位，虚拟货币交易存在一定的法律风险和监管挑战。为了避免涉及违法行为，投资者应选择合法、有监管牌照的交易平台，并遵守相关法律规定和监管限制。
Virtual currency has not yet gained legal legitimacy in China, and there are some legal risks and regulatory challenges to virtual currency transactions. To avoid involving violations, investors should choose a legitimate trading platform with a regulatory license plate and comply with the relevant legal provisions and regulatory restrictions.
常见问答
Common Questions and Answers
1、虚拟货币交易是否合法？
1. Is virtual currency transactions legal?
在中国，虚拟货币交易需要在合法平台进行并遵守相关规定，否则将被视为非法操作。
In China, virtual currency transactions need to take place on a legitimate platform and comply with the relevant provisions, otherwise they will be considered illegal operations.
2、如何选择合法的虚拟货币交易平台？
2. How can a legitimate virtual currency trading platform be selected?
投资者应选择经过监管并获得牌照的交易平台，可通过查询官方公告或监管机构网站来确认平台的合法性。
Investors should choose a regulated and licensed trading platform, and the legitimacy of the platform can be confirmed by reference to an official bulletin or the website of the regulator.
3、我能否以个人名义从事虚拟货币交易？
3. Can I engage in virtual currency transactions in my personal capacity?
根据当前规定，中国个人参与虚拟货币交易存在限制，需谨慎处理个人资金和法律风险。
Under current regulations, the participation of individuals in virtual currency transactions in China is limited and individual financial and legal risks need to be handled with caution.
4、有没有其他投资虚拟货币的合法方式？
4. Are there other legal ways to invest in virtual currency?
虚拟货币之外的区块链项目也是合法的投资渠道，投资者可选择参与与虚拟货币相关的技术和应用项目。
Block chain projects outside the virtual currency are also legitimate investment channels, and investors can choose to participate in technology and application projects related to the virtual currency.
5、政府对虚拟货币和虚拟货币交易的监管是否会进一步加强？
5. Will government regulation of virtual currency and virtual currency transactions be further strengthened?
根据中国政府的态度和政策导向，对虚拟货币和虚拟货币交易的监管可能会进一步加强，投资者需关注并遵守相关监管规定。
In accordance with the attitude and policy orientation of the Government of China, regulation of virtual currency and virtual currency transactions may be further strengthened, and investors need to pay attention to and comply with the relevant regulatory provisions.
二、U买卖骗术解密
大家好，最近遇到不少客户朋友说遇到过U买卖的骗术。
Hello, there have been a number of recent client friends who have said they've had U-trade scams.
U就是数字货币 USDT（Tether) 又称来稳定币，简称U。
U is the digital currency USDT (Tether), also known as stable currency, short U.
泰达币（USDT）是Tether公司推出的基于稳定价值货币美元（USD）的代币Tether USD（下称USDT），1USDT=1美元，用户可以随时使用USDT与USD进行1:1兑换。
The United States dollar (USDT) is a Tether USD (hereinafter USDT) token introduced by Tether based on a stable value currency, the United States dollar (USD), and 1USDT = US$1.00, which is readily available to users to make 1:1 conversions with the USD.
下面为你揭秘买卖U的几种套路：
Below are some of the ways you can sell and sell U: .
套路一：网上卖USDT被骗
Set One: Online selling of USDT is tricked
这种套路就比较简单，小白随便在网上找个人，把U转给对方，结果被对方直接拉黑。
This is a simpler route, with White looking for someone on the Internet and transferring U to the other party, with the result that it is directly blacked out by the other party.
有的你小额U交易没事，只要大额交易U，对方收了U就玩消失。
Some of your small U deal is fine, as long as there's a big U, the other party takes the U and disappears.
还有的，对方收到你U后，会说你U有问题，转进来后，自己的账户被风控，提不出来，反正就是以各种借口不给你转账。
Also, when they get your U, they'll say you're in trouble, and when you come in, you can't get your own account out of the wind, because you don't transfer it on any of the pretexts.
人性经不起试探，同样也经不起金钱诱惑。
Human nature cannot stand the test, nor can it stand the temptation of money.
被骗后，你去报警，发现对方聊天并不是实名制，你根本不知道对方任何有价值信息；加上，我G明确规定，虚拟币交易不受保护，属个人行为，风险自担。
After being deceived, you went to the police and found out that chatting was not a real name, that you had no idea of any valuable information from the other party; moreover, I G made it clear that virtual currency transactions were unprotected, personal and risky.
你屌办法没有。
You don't have a fucking way.
套路二：在跑分平台卖U银行卡被冻
suite two: U bank cards sold on a branch platform are frozen
这种套路就是小白听人介绍某某平台变现USDT非常靠谱，而且还可以搬砖U赚钱。
This is a way for Whitey to introduce a platform to realize USDT, and to move bricks to make money.
这种平台一般没有KYC，变现U非常简单，价格还比交易所贵，小白被高价冲昏了头脑在平台卖U，甚至还经常从交易所买U，然后在这平台卖赚差价。
Such platforms usually do not have KYC, U realization is very simple, prices are more expensive than exchanges, little whites are overpriced to sell U on platforms, and even often buy U from exchanges and then sell difference prices on platforms.
其实，像这种平台就是专门帮助hei灰产业X白资金的；如“易币付”和“ULinx”这两个平台，凡是在这种平台卖U的都是刀口舔血。
In fact, platforms like this are dedicated to helping the hei ash industry X white money; platforms such as “money-for-money” and “ULinx”, which sell U on such platforms, lick blood with a knife.
你在平台卖U收的每一分钱都是黑资！
Every penny you get from U sales on the platform is black money!
套路三：现实中卖U被抢
set of three: U sold in reality is robbed
网上卖U怕冻卡，怕被骗，你又选择了线下卖U。
U sells cards online for fear of being tricked, and you choose to sell U offline.
线下卖U的一般是大户，毕竟小量的U也不值得线下见面。
U sales below the line are usually large households, and small amounts of U are not worth meeting under the line.
这种线下交易，一般是网上联系好买家，谈好价格，约好地方，然后见面现金或者转账交易。
This type of offline transaction usually involves online contacting buyers, negotiating prices, dating places, and then meeting cash or transfer transactions.
套路来了，一些不讲武德的在线下收到你U后，一脚把你踢出车外，跑路。还有的，跟你现实见面的并不是和你网上聊的，只是个马仔跟你见面，在你把U转出后，对方不转账。
Here's the setup, and some of the guys who don't talk about Wudd received you on the line, kick you out of the car and run. And, you know, you don't actually talk to you online, you just meet a horse and you don't transfer it after you transfer the U.
你找马仔，马仔说你币又没转给我。你报警，马仔说自己也是被别人骗过来的。
You go to the horse and the horse says you didn't pass your coin on to me. You call the police, and the horse says he's been tricked by someone else.
不过这些情况也是很少发生的。如果线下交易，一定要确定见面的人是否转你钱的老板，然后找个相对安全的地方交易。
But these things happen very rarely. If you make a deal down the line, you have to make sure the person you meet transfers your money to the owner and then find a relatively safe place to deal.
其实，线下交易这种方式还是算比较稳妥的了。
Actually, it's a safe way to trade under the line.
套路四：朋友圈卖U银行卡被抓
set of four: < < < < /strong > > > : friends selling U bank cards.
我们总是能在朋友圈发现，很多人在那收U卖U，他们都是什么人？
We can always find out in the circle of friends, where a lot of people sell U.U., who are they?
一种是做资金盘的，因为现在做资金盘都是用U，而很多人不知道怎么买卖U，就会通过场外交易。
One is a cash drive, because now it's made in U, and many people don't know how to buy and sell U, they go through off-the-shelf transactions.
你要是把U卖给做资金盘的，一旦盘子崩盘，别人报警，就会说把钱打给了你，怀疑你和资金盘操盘手是一伙的；那么，你收到的资金就是一手黑，警方就会冻结你的银行卡，严重的，直接上门抓你。
If you sell U to the money plate, when the plate collapses, people call the police and say you have the money, suspecting that you're with the money handlers; then the money you receive is black and the police will freeze your bank card.
还有一种，就是专门帮hei灰产业X钱的，这种场外币商会经常在朋友圈社群发布买卖的广告，而且U价也很高。
Another is to help the hei ash industry X-money, which is often advertised by foreign currency chambers in the community of friends, and also at a very high U-price.
而这种币商就是通过收U来赚取差价的，利润很可观，之前天机一个粉丝就是做这种币商的，他通过加密软件，和境外非法分子联系，搬砖U一天能赚几千几万。
The difference in value is earned by such a banker through the collection of the U.S. and the profit is considerable, as a fan used to do before, and he can make tens of thousands of dollars a day by moving the U through encryption software and contacts with illegals abroad.
你要是长期把U卖给这种人，那么你就等着被抓吧所以，卖U安全才是重要，千万别再交易所或者网上随便找个人卖U，否则等待你的必然是冻卡和被抓。
If you sell U to this kind of person for a long time, then you wait to get caught, so it's important to sell U security.
所以，卖U安全才是重要，千万别再交易所或者网上随便找个人卖U，否则等待你的必然是冻卡和被抓。
So it's important to sell U security, so don't go to the exchange or find anyone online to sell U, or you'll have to get frozen cards and caught.
套路四，假USDT
, fake USDT
在场外，遇到自称不玩的人，卖低价U的。你买了点，钱包果然收到U。
Outside, you meet someone who says he doesn't play, sells low-value U. You buy some, you get the U.
价格便宜啊，机不可失啊，追加资金买入大量U，最后发现，是假U，充值不到交易所。
It's cheap, it's expensive, it's expensive, it buys a lot of U, and it turns out it's a fake U, it's not worth the exchange.
杜绝很简单，谨慎场外交易
It's easy to stop.
套路五，假交易所
通过群友推荐，充值进去，B2B交易，钱转了，但U提现不了。
Through a group recommendation, it's worth it. B2B deals, money transfers, but the U.S. can't.
提现需要你再充钱，提高VIP等级，这就属于二次诈骗。
Now you need to recharge and upgrade the VIP, which is a secondary fraud.
杜绝方式很简单，首先不要去没名气的交易所。
The way to stop it is simple, first of all, not to go to an unknown exchange.
话说当初币安刚出来，我都对其报以谨慎态度。
When I said that the currency had just come out, I was very cautious about it.
其次就是，下载app，一定要官方渠道下载。
And the second thing is, download the app, you have to download it through official channels.
据粉丝真实遇到的骗局，被骗了60万，现在线下出U的，如果不是熟人、没有身份信息、有三方交易的，直接定义为骗子就行。
According to the scams that fans actually encountered, 600,000 people were tricked and now U is directly defined as a liar if it is not an acquaintance, no identity information, and no three-way deal.
A（骗子）在飞机上发布全国现金高价收U（高于市场价几分钱，正常价格，这里没有破绽），于是作为币商的你联系了他。
A (the liar) issued a nationwide high cash charge on the plane for U (a few cents above the market, the normal price, there is no break here), so you contacted him as a money merchant.
你的U7.23收来的，准备7.26卖给A，赚3分钱，合理利润。
Your U7.23 collects, sells 7.26 to A, earns 3 cents and makes a reasonable profit.
于是你和（骗子）约定好了时间地点，现金交易方式，你给他U，他现场给你现金。
So you made a deal with the time and place, the cash deal, you give him the U, he gives you the cash on the scene.
几天后，你们约定的时间地点来了一个人，（骗子）告诉你他被隔离了，这是他手下的兄弟B，你可以先验现金没问题在交易。
A few days later, a man came to your appointed time and told you that he was quarantined, that this was his brother, B., and that you could first test the cash in the deal.
交易正式开始：
Formal opening of the transaction:
兄弟B桌上摆着现金，你验货后没问题，于是你把U转给了（骗子A），这时候（骗子A）立刻用其他钱包的U转给兄弟B，兄弟B立刻把桌上的现金给了你。
There's cash on Brother B's desk, you'll be fine after the examination, so you transfer U to Brother A, and then you transfer it to Brother B with other wallets, and Brother B gives you the cash on the table right away.
整个交易环节、流程没有任何问题，你也建立了信任。
There's nothing wrong with the entire chain of transactions, the process, and you've built trust.
第二笔交易开始：
The second deal begins:
兄弟B桌上摆着50W现金，你把U转给了A（骗子），A（骗子）跑路。
Bro B's got 50W cash on his desk, and you're transferring U to A., A. Run.
兄弟B桌上的现金你拿不走，因为兄弟B没有收到U。
You can't take the cash off Brother B's table because Brother B didn't get the U.
你已经把U转给了A（骗子），骗子跑路后，你不敢动兄弟B桌子上的钱，因为这时候你要动了，就是抢劫，兄弟B没有和你交易完成，这个资金还是兄弟B的。
You've already transferred U to A. You can't touch the money on Brother B's desk after the liar runs, because it's when you move, it's a robbery. Brother B didn't deal with you. It's still Bro B's money.
你觉得被诈骗了，想到了报警，叔叔来后问你，你被骗了多少钱？什么USDT？不知道是什么东西，你说价值50万，叔叔告诉你：任何单位和个人不得为虚拟货币定价，你说价值50万就50万？
You think you've been defrauded, thinking about calling the police, and when Uncle comes to ask you how much you've been conned? What USDT? What is it? You said $500,000. Uncle told you: no unit or individual can price a virtual currency. You said $500,000.
这时候你还会有一个疑问？问为什么兄弟B这么配合骗子？经过查看聊天记录，你才会发现，兄弟B和你一样也不认识骗子A，因为骗子A承诺7.18卖给他U。
At this point, you'll have one question. Ask brother B why he's so cooperative with liars. You'll find out by looking at the chat record that brother B, like you, doesn't know liar A, because liar A promised 7.18 to sell to him.
小编给你复盘一下：这个兄弟B也只能叫币商B
"Strong" reprints for you: this brother B can only be called Moneymaker B
骗子喊全国现金同台高价收U，去你当地（比如广州）先验现金在转U。
Liars call the nation's cash co-op a high price for U and go to your local (e.g., Guangzhou) first-time cash transfer.
同时用小号喊（广州）现金低价出U，同台交易，你收到U在给现金。
It's a low-priced U.S. cash at the same time. It's the same deal. You're getting U.S. cash.
这两个流程都没问题，均是正常流程，卖家和买家都没有风险。
Both processes are open and normal, and there is no risk to vendors or buyers.
骗子告诉币商，要懂规矩，我兄弟来你们不可添加联系方式，也不可聊价格等，不可过多聊天。
Liars tell money merchants to understand the rules. My brother's coming to you is not to add contact, or to talk about prices, etc., and not to talk too much.
骗子告诉兄弟B（币商2），要懂规矩，我兄弟来你们不可添加联系方式，也不可聊价格等，不可过多聊天。
Liars tell brother B. To understand the rules, my brother comes to you without adding contact, without talking about prices, etc., and without talking too much.
这是江湖规矩，大家都懂，也能遵守。
It's the rules of the river, you know, and you can follow them.
在币商转U给骗子后，骗子立刻转给了B，整个流程没有任何问题，币商拿到现金，兄弟B拿到U。
When the money dealer passed U to the liar, the liar was transferred to B. The whole process was free, the money dealer got cash, brother B got U.
第二轮的时候，骗子直接跑路。
In the second round, the liar ran straight.
三、使用虚拟货币进行国际贸易设想。
III. The use of virtual currencies for international trade scenarios.
随着国际风云变幻，美元的统治地位越来越弱，作为国家层面来讲，有必要研究替代美元方案，做到未雨绸缪。
As the international landscape has changed, the United States dollar has become weaker and, at the national level, there is a need to look into alternatives to the dollar and be proactive.
比特币的出现，使得在国际贸易中，使用虚拟货币替代美元成为了可能，也可能成为压垮美元国际地位的最后一根稻草。
The emergence of Bitcoin has made it possible to replace the United States dollar with a virtual currency in international trade and could become the last straw to crush the international position of the dollar.
但是，比特币的特点却不能成为国际贸易的货币，原因在于它不能映射到其他货币，它的价值仍然是以美元作为参考。即使存在这样的先天缺陷，仍然不能阻止它的迅速发展，以至于成为万亿市值的巨无霸货币。
But Bitcoin’s characteristics cannot be the currency of international trade, because it cannot map other currencies, and its value is still based on the dollar. Even with such birth defects, it cannot prevent its rapid development to the point where it becomes a giant currency with a trillion-dollar market value.
假设有一种虚拟货币，能够映射到各个国家的货币，并且它能够在国际上流通，那么现在国际贸易中的美元也就没有存在的价值了，下面给出这样的设想，来实现该虚拟货币：
Assuming that there is a virtual currency that can map the currencies of individual countries and that it can circulate internationally, there is no value for the dollar in international trade now, and the following scenario is given to achieve the virtual currency:
1、虚拟货币采用区块链技术，进行价值转移；
1. Virtual currency uses block chain technology for value transfer;
2、虚拟货币以国家联盟作为网络结构，每个国家设置一个网络节点，实行分布式记账；
The virtual currency uses the National Union as a network structure, with each country having a network node and a distributed accounting system;
3、每个国家设立该虚拟货币的交易中心，负责本国法币和该虚拟货币的交易；
3. Each country establishes a trading centre for the virtual currency, which is responsible for the transactions of the national French currency and the virtual currency;
4、设立一个基金会，负责该虚拟货币的发行。该虚拟货币的发行基准和黄金挂钩，即某机构提供多少黄金给该基金会，基金会就会提供多少虚拟货币给该机构；
4. Establish a foundation responsible for issuing the virtual currency. The basis for issuing the virtual currency is linked to the gold, i.e. how much gold is given to the foundation by an institution, and how much virtual money is given to it by the foundation;
机构设置和职责可以如下图所示：
The institutional set-up and responsibilities can be summarized as follows:
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