2018年，互联网金融在跌宕起伏间创造下了无数次财富的爆发与陨落。曾日进斗金的币圈已经凉凉，网贷平台也已经风采不再，留下的无数骗局和雷潮，则在无数次试探投资者的心理底线。2018年，那些陨落的互金大鳄们，留给了我们怎样的启示？
In 2018, Internet finance created countless outbreaks of wealth and landslides in the midst of falling and falling. The coins of the past sun were cool, the Internet lending platforms were cool, countless scams and thunderstorms were left behind, and the psychological bottom lines of investors were explored on countless occasions. In 2018, the collapsing gold crocodiles left us with a message?
交易挖矿，变身公敌
Dealing with mining, turning into a public enemy.
在黄振东眼中，张健是个工作狂，对比特币的信仰极深，中本聪所书的白皮书能全文背诵。
In Huang Jindong's eye, Zhang Jian is a workaholic, Bitcoin's faith is so deep that the White Paper written by the Chinese Institute of Hearing can be recited in its entirety.
半年前，黄振东还在FCoin当公关。忙碌时，他两天两夜不合眼，帮张健联系媒体专访，安排行程。得意时，张健甚至向媒体直言：FCoin是继比特币后最伟大的区块链。
Six months ago, he was in public relations at the FCoin. He was busy two nights late, helping Zhang to interview the media and arrange his trip. When he was proud, Zhang even told the press that FCoin was the greatest chain after Bitcoin.
5月24日，张健带着FCoin重回币圈，其交易挖矿的挖矿机制在漫漫熊市中立即引起了市场的关注，51%的FT通过交易挖矿返还给用户，80%的平台收入返还给FT持有者，再加上邀请奖励机制，三大奖励机制叠加，犹如一颗惊雷，立即在市场上炸开了锅。
On 24 May, Zhang Jian returned to the currency ring with F Coin, whose mining mechanisms for mining were immediately of interest to the market in the Buoy City, 51 per cent of the FTs were returned to users through trade in mining, 80 per cent of the platform revenues were returned to the FT holders, together with the invitation incentive mechanisms, and the three incentive mechanisms were stacked, like a thunderbolt, and the pot was immediately blown up in the market.
在不到两周的时间内，迅速崛起为全球第一大交易平台，成交量硬生生超过了第二至第七大交易平台交易量的总和，令人叹为观止。上线一个月后FCoin市值突破362亿，这个数字是币安的1.5倍，火币的2倍。
In less than two weeks, rapidly emerged as the world’s largest trading platform, with hard-to-life transactions exceeding the sum of the second to seventh trading platforms. One month after coming online, the market value of FCoin was 36.2 billion, a figure 1.5 times greater than that of coins and twice as much.
“抱歉，我两天都没有睡了。”彼时张健曾在社群中透露。“团队在紧张的运转，FCoin用短短21天的时间实现了原计划一两年才能实现的目标。”
"I'm sorry, I haven't slept for two days." Peter Jang said in the community. "The team is working hard, and FCoin has achieved what was originally planned for a year or two in a short period of 21 days."
张健一出手就把交易所的模式捅出了一个大窟窿，互联网的补贴大战烧到了数字币交易所。
Mr. Zhang’s first attempt has put a hole in the exchange’s model, and the Internet’s subsidy battle has burned down the digital currency exchange.
FCoin的异军突起，不仅侵占了其他交易所的市场份额，而且使得各大交易所原有运行模式遭受到前所未有的威胁。趋利避害的投资者们开始要求其他交易所向FCoin看齐，退还手续费。
FCoin’s skirmishes have not only eroded the market share of other exchanges, but have also exposed major exchanges to unprecedented threats to their original mode of operation. Investors who seek to avoid profit have begun to demand that other exchanges match with Fcoin and refund fees.
眼看着辛苦打下的江山被一个“搅局者”慢慢侵蚀，币安、OKEx和火币三大头部交易所再也按捺不住。“战争”，开始了。
Watching a hard-to-eat rundown by a “shatterer” slowly erodes the three main head exchanges of currency, OKEx, and the gun. “War,” started.
面对FCoin的强势崛起，币安老大赵长鹏在微博指责：“交易挖矿”不但是变相ICO，而且是高价ICO，用户要理性投资。你用比特币或以太坊的手续费，平台“百分百”返还，拿回来平台币，这就是用比特币或以太坊买平台币么？和ICO有什么不同？
Faced with the strong rise of FCoin, Bill Cheol Chang Ping accused in Weibo of “trading mining” not only as a disguised ICO, but also as a high-value ICO, which users need to invest rationally. You return it with bitcoin or Ether’s fees, the platform “100%” and get back the platform coins, which is to buy the platform coins with bitcoin or Etheria? What's the difference with ICO?
面对质疑，此时的张健可谓志得意满、意气风发，在接受记者采访时表示，自己对FCoin有长远的规划，对FCoin有质疑的人没有看懂FCoin的逻辑。
Faced with the challenge, Zhang Jian, in an interview with a journalist, stated that he had a long-term plan for FCoin and that those who questioned FCoin did not understand the logic of FCoin.
在一番歌舞升平的热闹场面之下，暗流正在涌动。
Under a twilight of a dance, the undertow is bulging.
巨大的危机正在平静的表面下积聚能量，而众人都被FT快速暴涨的币价和高额的分红蒙蔽了双眼。
The enormous crisis is gathering energy under a calm surface, and everyone is blinded by the fast-growing currency of the FT and by the high splits.
祭出币改，踩中红线
Take the money and step on the red line.
在短暂的火爆行情过后，FCoin平台币FT应声下跌，从最高点2.8元跌至1.12元，跌幅超过60%。FT持有者开始对FCoin产生质疑，甚至几个奖励措施的收益叠加都赶不上币价下跌的速度来得快。
After a brief burst of fire, the Fcoin platform currency FT fell from a peak of $2.8 to $1.12, a decline of more than 60%. The FT holders began to question the FCOin, and even several incentives added up faster than the currency price fell.
面对FT的快速下跌，张健又祭出了第二个大杀器——币改。
In the face of the fast fall of the FT, Zhang Jian also sacrificed a second great weapon — a currency change.
7月2日，FCoin开通创业板，首发上币21种，7月5日又发布币改试验区启动的公告。
On 2 July, FCoin opened the entrepreneurship board, first issuing 21 pieces of currency, and on 5 July, a circular was issued to launch the currency change test area.
第一刀交易挖矿已经捅破天际，第二刀又玩起币改，张健把整个币圈都搅翻了。
The first trade in mines has broken through the sky, the second one has made a change in currency, and Zhang Jian has broken the whole ring.
币改公告直指三类项目：（1）大型互联网平台通证化转型；（2）大型实体产业通证化转型；（3）全球范围内的通证经济创新项目，特别是一带一路全球数字经济+通证项目，以及通证经济全球基础设施重大创新项目。
The currency change bulletin refers directly to three types of projects: (1) the translatorization of large Internet platforms; (2) the translatorization of large entities; and (3) the worldwide innovation of the translator economy, in particular the worldwide digital economy plus translator project, as well as major innovation projects in the global infrastructure of the translator economy.
虽然打出了币改的旗号，拉上了元道、孟岩两位通证派的代表人物，对外宣称的宗旨是：打造新生形态、具有蓝筹特征的超大型通证经济体，建立区块链新世界的价值投资信心。
Although the currency changes were carried out under the banner of the two mediocrity representatives of Yuando and Monwa, the stated aim was to create a new form of mega-monopoly economy with blue-fashion features, and confidence in value investment in a new world with a chain of blocks.
令人没想到的是，从结果来看，币改之于FCoin，并没有宣称的那么高深。
Unsurprisingly, the currency was changed to FCoin, not as deep as it was claimed.
业内分析人士认为，币改本质上就是利用大型企业积聚的客户资源和流量，把这些流量资源导入到FCoin，提升FCoin的交易量，仅此而已。
Intra-industry analysts argue that the change in currency is essentially the use of customer resources and flows accumulated by large enterprises to import these flows into FCoin and to increase the volume of FCOin transactions.
张健的如意算盘这次并不成功。
Zhang Jian's calculations have not been successful this time.
FCoin币改的第一个公示项目是Bizkey，声称将通过智能区块链POS机，打造数字货币线下零售支付的使用场景,制定未来线下数字货币支付标准。
The first publicity project for FCoin currency conversion was Bizkey, which stated that it would develop a digital currency payment standard below the future line through a smart block chain POS machine that would create the use scene for retail payments under the digital currency line.
然而第一个上线FCoin的币改项目却并非Bizkey，而是插队的QOS。QOS在上线短暂的暂停之后，第二天则变成开盘跌停，第三天依然是跌停，随后连续暴跌四天，离归零越来越近。
However, the first money re-engineering project on the frontline FCoin was not Bizkey, but QOS on the back. QOS, after a brief hiatus on the back line, became the next day when it fell, and the third day continued to fall four days in a row, closer and closer to zero.
8月17日，中国证券报发文指出QOS涉嫌非法融资，随即FCoin立即发布了QOS临时停牌的公告。
On 17 August, the Chinese Securities Office issued a circular stating that QOS was suspected of illicit financing, immediately following which FCoin issued an announcement that QOS was temporarily suspended.
在FT不断下跌的行情之下，张健推出一系列措施，试图挽回币价，开启护盘之旅。后来的结果证明，这一连串的衍生品不仅无法救FT于水火，反而带来一个个暴跌、破发、停盘。
Under the downward spiral of the FT, Zhang Jian introduced a series of measures to try to recover the price of the currency and start a tour of the frigate. The subsequent results proved that the chain of derivatives not only could not save the FT from the water fires, but rather brought about a collapse, a break in hair, and a halt in production.
最终在8月14日，FCoin通过公投停止了FT的增发，张健狠狠抽了自己一记耳光，疯狂一时的交易挖矿的模式就此结束。
Eventually, on 14 August, Fcoin stopped the increase in the FT through a referendum, Zhang slapping himself hard, and the frenzy of trading to dig for the mine ended.
币改的喧嚣声逐渐散去，张健的希望随之破灭，FCoin陷入内忧外患。此时，FT已较最高点下跌93%。
The noise of currency change has spread, and Zhang Jian’s hopes have been dashed, and FCoin has fallen into internal distress. At this point, the FT has fallen by 93 per cent from its highest point.
由于QOS破发，加上该项目与上市公司奥马电器撇不清关联，引发了证监会点名QOS"涉嫌代币发行的非法融资"，FCoin在监管下退出国内市场。
The breakdown of the QOS, coupled with the project's lack of connection with the listed company Omar Electric, prompted the SEC to name it QOS `for suspected illegal financing of currency issuance' and FCoin to withdraw under supervision from the domestic market.
8月27日，一篇名为《一个韭菜的血泪控诉》的文章再次将张健和FCoin推上风口浪尖。当日，FCoin宣布品牌、市场部门解散，创始人张健宣布退出微信，原先的办公地也人去楼空。
On August 27, an article entitled “A bloodbath complaint for a pickle” pushed Zhang Jian and FCoin back to the top. On that day, FCoin announced the dissolution of the brand, the market sector, and the founder, Zhang Jian, announced that he would withdraw from the letter, while the previous office space was empty.
8月28日，FCoin官网提示，暂不为中国大陆地区用户提供服务。至今，FCoin官网仍无法打开。
On August 28, the FCoin official network warned that it would not be available for users in mainland China. To date, the FCoin official network has not been opened.
出走日本，老婆接盘
Get out of Japan, my wife.
再回想那段日子，黄振东仍有点恍惚。
Looking back at those days, he's still a little shaky.
他和张健都没有想到，FCoin会在短时间内崛起，更没有想到FCoin最终的收场如此狼狈。“一切都太快了，高楼起得太快，倒得也快。”他说。
He and Zhang Jian didn't think that Fcoin would rise in a short time, let alone that Fcoin would end up in such a mess. "It's too fast, the towers rise too fast and fall fast," he said.
在国内市场受挫后，张健出走日本，把FCoin的烂摊子留给了妻子李莹莹。
After a setback in the domestic market, Jang left Japan and left Fcoin's mess to his wife, Li Xing.
彼时，FCoin前员工周小雪在朋友圈中透露：“FCoin今天的媒体沟通会正式宣布接下来的市场和运营都由张健老婆李莹莹全权负责，老板娘要代理FCoin起飞了，期待。”
At the same time, FCoin's former employee, Zhou Xiao Shui, said in his circle of friends: “FCoin's media conference today officially announced that the next market and operation would be run by Zhang Jian's wife, Li Xian, and that the boss's wife would take off on FCoin's behalf and look forward to it.”
李莹莹从未在FCoin团队担任任何职务。她在跟媒体沟通时甚至也表示，"我就是一个家庭主妇，我不专业，不能代表FCoin。"但自FCoin创始以来，她就在为FCoin工作，"之前的社区运营都是我做的"，她向媒体陈述。她自己很清楚，"其实，一直以来，我的角色更像‘张健的助理’。"
Li was never in any position in the FCoin team. She even said to the media, "I'm a housewife, I'm not a professional, I can't represent F Coin." But since F Coin was founded, she's been working for F Coin, and "I did all the community business before," she told the press. She knew herself, "Well, I've always been more like "Jan Jian's assistant."
据火星财经此前报道，FCoin已于9月初成立社区委员会。这个团队的成员有在FCoin社群转变为黑粉被踢最后又被请回的老成员，也有刚刚了解FCoin甚至没有做过FT投资的人，他们没有工资，义务为社区服务。
According to the MFI, FCoin set up a community committee in early September. Some of the members of this team were old members of the FCoin community who were kicked back into black powder, and others who had just learned that Fcoin had not even made FT investments and that they were unpaid and obliged to serve the community.
另一面，张健的日本之旅也并不顺利。10月24日。位于日本的FCoin官网发布关于FCoinJP即将上线并重启交易即挖矿模式的公告。11月1日，FCoinJapan在上线仅一周之后便迎来暴跌。
On the other hand, Zhang Jian’s trip to Japan did not go well. On October 24, FCoin’s network in Japan issued an announcement that FcoinJP was about to go online and recommence the trade, i.e., the mining model. On November 1, Fcoin Japan fell sharply just a week after coming online.
随后，张健便消失在公众视野,去向不得而知。
Then Zhang Jianli disappeared into public view and was unaware of his whereabouts.
李莹莹曾在一篇文章的末尾这样真切的评价了自己的丈夫，"我不知道如果重新来一遍，有没有人可以比他做得更好，可能99%的人已经倒在更早的利益关卡，所以他难得可贵，可是我希望，如果重来一遍，他可以错得更少一点。"
Li Xing, at the end of an article, said to his husband, "I don't know if anyone can do better than him again, and maybe 99% of the people have fallen earlier, so he's rare, but I hope that if he does, he can be less wrong."
注册有任何问题请添加 微信：MVIP619 拉你进入群
打开微信扫一扫
添加客服
进入交流群
发表评论