There is something that must be said—just saw someone in the community boasting about "20% annualized returns," even pulling in family members to operate together. I genuinely feel worried for them.

As someone who has been in the digital asset industry for 8 years, I have to be frank: behind such high return promises, there is often a carefully crafted scheme.

Let me start with a harsh fact. Legitimate digital asset wealth management platforms typically offer stable annualized returns of at most 3%-4%. Even high-risk coins rarely guarantee a fixed 20% return. Projects promoting high yields are essentially Ponzi schemes—using the principal from new investors to pay earlier ones. Once new funds dry up, the scheme collapses instantly.

Do you remember the stablecoin turmoil of 2022? Just by offering a "fixed 20% annualized" bait, over 14 billion USD was siphoned from retail investors worldwide. What was the result? Many lost their principal, deposits were instant, but withdrawals were forever impossible.

There’s also a particularly painful detail—many think using their parents’ accounts can avoid risks. In reality, these platforms have long monitored multi-account operations through linked phone numbers, bank cards, and other methods. Once a "batch arbitrage" warning is triggered, all related accounts are frozen instantly, and no funds can be withdrawn.

Simply put: high returns are never a bargain; they are often a way of giving money to others. Rational investing is the true long-term survival strategy.