星火钱包属于冷钱包吗安全吗星火钱包属于冷钱包吗

2022-01-27 15:17:56

Ⅰ 星火钱包年化利率有多少

星火钱包”系列产品当前有星火X30、星火X50、星火X100三种产品，分别是从全国2400多家
P2P平台
中优选最安全的30强、50强和100强P2P公司的债权项目组成，X100的收益在12%~14%左右，X50收益在9%~12%，X30收益在8%~10%左右

Ⅱ 星火钱包是个什么鬼啊

“星火钱包”系列产品当前有星火X30、星火X50、星火X100三种产品，分别是从全国2400多家P2P平台中优选最安全的30强、50强和100强P2P公司的债权项目组成，在投资收益、安全稳健性、提现时间等方面略有差别。

Ⅲ 星火矿池怎么提币

Ⅳ 重庆市翰华小额贷款有限公司我怎么会有他们的借款记录怎么回事啊我

是不是你之前注册了他们的账号啊，有可能被推手弄去做单了，你如果想做网贷基金的理财，星火钱包还是很安全的，在上面可以找到很多其他的平台信息

Ⅳ 58金融车贷款感觉被骗了

还是比较靠谱的。想要知道一个贷款平台到底安不安全，靠不靠谱，在这里我们可以了解一下58金融车贷款的平台背景、运营模式、申请难度，以及征信情况等。
平台背景:58车贷是由湖南省星展投资有限公司运营管理的专注于车辆抵押贷款的P2P借贷平台，2015年3月12日正式上线。公司和星火钱包一样位于湖南长沙市，是一家比较新的平台。目前车贷办事处以覆盖湖南、广西、河北、云南、北京，未来会拓展到全国各地...与当地小贷公司合作成立分公司，但是在全国企业信用信息公示系统里只能看到湖南怀化的登记信息。58车贷更换了股东和法人，同时在2016年4月26日，官网发布了“股东变更说明”。
运营模式:先由公司业务团队在外展业，而后将车抵押登记在与之合作的担保公司名下（长沙暂不允许汽车抵押于个人名下），再由专业放款人（公司股东）出马形成线下债权，最后将这些线下债权流转线上融资。目前平台的业务主要集中在湖南及周边，还算是比较容易把控。平台的标的多为6月以下，额度控制较好，基本在10万以内，符合小额分散。
申请难度:平台标的透明度较高，对车辆进行实施监控，并展示在网站上。同时车内车外及借款人和车辆合照、产权抵押登记等一应俱全，披露的信息比较全。标的真实性毋庸置疑。
那么接下来，我们关心的是能否到期收回本息的问题了，既然是车辆抵押，一个是借款人的还款能力如何，另一方面就是抵押车辆的处置问题了。在官网上随便抽查几个标的，信息透明度很高，但是有一个小小的疑问，借款人好像都偏年轻，大多在30岁以下。这也不是大问题，资产端面向的可能就是80后90后年轻一族。且车辆抵押成数过高，比如车辆评估价30万，融资金额26.4万，抵押成数达到88%，不过标的中文字描述借款人年收入70万，如果属实，那么平台应该也是根据借款人还款能力来评定的。
同时平台有拆标现象，监管要求个人借款不得超过20万，该借款人总借款额26.4万，平台将其拆分为2个标的发布。但看一个表不超过20万，但实际上这种拆标行为也是监管不允许的。
不过，从平台标的信息的发布来看，抵押物全部办理了抵押登记，抵押物的价格评估比较准确，只是个别抵押物的抵押成数过高，有一定风险。平台称有专门的公司进行贷后催收，能有效降低平台的坏账，提高风控能力。
总的来说，平台内部管理流程需规范和加强。贷前的家访信息较薄弱，一是部分没家访资料，二是贷款前对贷款可能的用途，以及个的的大致情况没有了解和描述。平台拆标严重，本人认为至少达7成以上，且没有专业的拆标规划人员，在平台做大，标量和资金量加大时，这是最大隐患。
所以，58车贷成立时间短，累计信用和影响力不足，风险准备金具体数额不明，但是团队具备互联网和金融背景，配置合理；收益率高，推荐风险偏好型的短期投资者可以适量投资。

Ⅵ 老存不了钱怎么办。。

财需要理的。可以考虑给自己记本账，从节省最没必要的开支开始，将节省下来的钱，每个月定期进行储蓄，比如每个月收入仅仅只有3000元，必须开支是2000元，非必须开支1000元，这个1000元省下来，将500元作为应急资金，另外500元进行储蓄。每个月应急资金的结余部分结转至下月作为应急资金，一直保证应急资金500元，剩下的钱以及固定的500元进行储蓄。此外，储蓄不是仅仅放入银行进行活期储蓄，而是进行钱生钱的定期理财，推荐使用“星火钱包”这个理财产品，日结息，复利计算，利率达到13%，随时提现。别小看每个月这几百块钱，一年下来，你会发现原来你还可以存下万把块钱，随着钱生钱，以及你的收入的增长，可用于理财的钱也越来越多，几年后，你就是个小富婆了~~~~

Ⅶ 银行理财收益4.5%怎么理解

银行理财收益率一般为单利且为“预期年化收益率”。实际收益=本金*年化收益率/365天*产品实际天数。

你也可以关注一下度小满理财APP（原网络理财），平台上就有一些包括中小型银行的活期、定期银行存款产品可供用户根据自己的流动性偏好进行选择，享受存款保险保障，50万以内100%赔付。

如活期产品“三湘银行活期”，提前支取收益3.9%左右，随时存取，当日起息，节假日无限制，任意自然日支取，当日实时到账，无交易日限制，无限额限制；如定期银行理财产品“振兴智慧存”，年化收益率在4.8%左右，适合稳健型及以上投资者。

您可以在应用市场搜索“度小满理财APP下载链接”或者关注“度小满科技服务号（xiaomanlicai）”了解详细产品信息。投资有风险，理财需谨慎哦！

Ⅷ 借贷宝是真的吗

借贷宝是传销吗?
答：首先借贷宝这次这个只是个推介活动，因此不能算做传销;其次借贷的的推广方式是介绍与转介绍，这么简单的两种方式，和传销上的分n级的上下级关系不同;并且传销在给你钱前先收钱，而借贷宝直接支付佣金。
例：你邀请了A，你和A各获得20元邀请奖励，然后A邀请了B，你再获得10元邀请奖励，如果B再邀请了C，那么就和你无关了，因此不同于传销的那种一人下管n级人员。
借贷宝靠谱吗?
答、借贷宝实际上就是P2P，只是之前的P2P都是网站，而现在是以产品的形式出现，所以就产品内容而言，并不是什么新奇的产品，并且新版支付宝也提供了类似的借钱功能，所以就业务模式来说并不值得顾虑。
借贷宝安全吗?
答、就目前来看，借贷宝的业务模式很普通，不是什么创新产品，因此可能存在的风险也基本都在前几年都发生过，只要它只正经的做生意的，那么就没有什么问题，现在唯一的问题就是他为什么能够拿出那么多的资金去做宣传。当然如果说它只是为了骗钱，那么我们打开新闻可以发现其实骗钱并不需要特别怎么样，好多新闻都有，各种各样都有。

Ⅸ 有人向我推荐P2P的投资，星火钱包怎么样会不会被坑

投资理财永远需要注意资产的分配，不能所有的钱都赌在一个平台上。P2P行业目前很混乱，现在投资人都是分散投资，一般都至少投资10多个平台，然后用网贷投资管理软件“贷友帮app”把这些平台统一管理起来，这样就方便多了。

星火钱包采用首创的互联网金融类ETF基金财富管理模式，通过大数据解决方案和IFDC风险控制体系，从2400家理财平台中严苛选择国资背景、上市公司控股、获国际风投等100家最优质平台和债权项目进行分散投资，并将组合债权拆分转让。

1、所谓精选债权，就是运用IFDC风险控制体系精心挑选债权，然后在这些精选的债权中再用大数据的方法再次精选，以确保平台具有严格的风控水平。

2、所谓极致分散，就是不把鸡蛋放在一个篮子里，将资金分散到近百家理财平台的数万份债权中，进一步确保风险控制在合理范围之内。

3、所谓随时提现，指的是在X系列的标（类ETF基金产品）中，无论是X100、X50、X30，用户可以随时提现，没有时间限制。进一步增加了平台的可信度。X系列中的100和50、30，指的是向国内知名的钱多少位的平台进行投资。前30的平台稳定性更高，都是有实力的大背景的公司。当然了月稳定，代表了利率越低、这三种投资产品的收益率也差了很多最高差额能达到5%。收益率最高差不多是13.06%的样子。但是随时提现也弥补了收益率不高的缺陷。

二、项目

星火钱包有三个可投项目：

星火X100，利率13.8%，债权来源：经严苛风控体系审核的全国前100强P2P平台项目

星火X50，年利率10.57%，债权来源：经严苛风控体系审核的全国前50强P2P平台项目

星火X30，年利率8.58%，债权来源：国资控股、上市公司控股、已获国际风投的P2P平台项目看起来是很不错的一个平台，高层管理都是80后的有高学历的年轻人，实际的体验并不是很如意，冲值冲了三次，才成功一次，验证码很难收到，冲值又有限额，我同样的银行卡，在别的平台没有这样的事发生的，询问了客服，客服答，我们这边技术部在与XX通沟通，没有结果，还有就是抢标很严重，每天早上9点抢星火X100，基本都是秒光，稍不留意资金就站岗了，一元起投，随时提现，提现要收2元的手续费，T+1才到帐，有时T+1也到不了帐，这是我实际的体验经历，不过新手注册有新手体验金，平台指定投星火X50，收益可提现，不过要你在星火钱包累积收益达到100元后，方能提现体验金所得到的收益哟，平台还推出积分VIP活动，VIP积分的茯得与投资金额与推荐投资人的数量成正比，VIP等级越高，提现免手续费的次数越多

下面是我自己总结的选择平台的方法，供参考：

Ⅰ What is the annualized interest rate of Spark Wallet

The "Spark Wallet" series of products currently includes three products: Spark X30, Spark X50, and Spark >P2P platform
The debt projects of the top 30, top 50 and top 100 P2P companies are selected and composed of the safest. The income of X100 is around 12%~14%, the income of X50 is 9%~12%, and the income of X30 is About 8%~10%

II What the hell is Spark Wallet?

The "Spark Wallet" series currently includes three products: Spark X30, Spark X50, and Spark X100, which are respectively from The debt project composition of the top 30, top 50 and top 100 P2P companies among more than 2,400 P2P platforms in the country is selected, with slight differences in investment income, safety and soundness, and withdrawal time.

Ⅲ How to withdraw coins from Spark Mining Pool

IV Chongqing Hanhua Small Loan Co., Ltd. How come I have their loan records? What’s going on?

Have you registered their account before? You may be tricked into placing orders by promoters. If you want to manage money with online loan funds, Spark Wallet is still very safe. You can find a lot of other platform information on it

IV 58 Finance Car Loan feels cheated

It is quite reliable. If you want to know whether a loan platform is safe or reliable, here we can learn about 58 Finance The platform background, operating model, application difficulty, and credit information of car loans, etc.
Platform background: 58 Chedai is a P2P lending platform focused on vehicle mortgage loans operated and managed by Hunan DBS Investment Co., Ltd., 2015 It was officially launched on March 12, 2020. The company, like Spark Wallet, is located in Changsha City, Hunan Province. It is a relatively new platform. Currently, car loan offices cover Hunan, Guangxi, Hebei, Yunnan, and Beijing, and will expand to all parts of the country in the future... It cooperated with a local small loan company to establish a branch, but in the National Enterprise Credit Information Publicity System, only the registration information of Huaihua, Hunan Province can be seen. 58 Chedai changed its shareholders and legal persons. At the same time, on April 26, 2016, the official website released "Instructions on shareholder changes".
Operation model: First, the company's business team will expand the business, and then register the car mortgage under the name of the guarantee company it cooperates with (Changsha temporarily does not allow car mortgages under personal names), and then professional Lenders (company shareholders) step in to form offline claims, and finally transfer these offline claims to online financing. At present, the platform's business is mainly concentrated in Hunan and surrounding areas, which is relatively easy to control. Most of the platform's targets are less than 6 months old. The limit is well controlled, basically within 100,000, which is consistent with small-amount dispersion.
Difficulty of application: The platform targets are highly transparent, and the vehicles are monitored and displayed on the website. At the same time, the borrower and the vehicle are both inside and outside the vehicle. Photos, property mortgage registration, etc. are all available, and the information disclosed is relativelyMore complete. There is no doubt about the authenticity of the target.
Next, what we are concerned about is whether the principal and interest can be recovered when due. Since it is a vehicle mortgage, one is the borrower's repayment ability, and the other is the disposal of the mortgaged vehicle. I randomly checked a few bids on the official website, and the information was very transparent. However, I have a small question. The borrowers seem to be younger, mostly under 30 years old. This is not a big problem. The asset side may be targeted at the young people born in the 80s and 90s. And the vehicle mortgage ratio is too high. For example, the vehicle appraisal price is 300,000, the financing amount is 264,000, and the mortgage ratio reaches 88%. However, the Chinese text of the target describes the borrower’s annual income of 700,000. If true, then the platform should also be based on the borrower’s repayment. Assessed by financial ability.
At the same time, there is a phenomenon of splitting bids on the platform. Regulations require that individual loans should not exceed 200,000. The borrower's total loan amount was 264,000, and the platform split it into 2 bids and released them. But looking at a table, it does not exceed 200,000, but in fact this kind of splitting of bids is not allowed by supervision.
However, judging from the release of target information on the platform, all mortgages have been registered as mortgages, and the price assessment of the mortgages is relatively accurate. However, the mortgage ratio of some individual mortgages is too high, and there are certain risks. The platform claims that it has a specialized company for post-loan collection, which can effectively reduce the platform’s bad debts and improve its risk control capabilities.
In general, the internal management process of the platform needs to be standardized and strengthened. The pre-loan home visit information is weak. Firstly, some do not have home visit information. Secondly, before the loan, there is no understanding and description of the possible uses of the loan and the general situation of the individual. The platform's bid splitting is serious, I think it's at least 70%, and there are no professional bid splitting planners. This is the biggest hidden danger when the platform gets bigger and the scale and amount of funds increase.
Therefore, 58 Auto Loan has been established for a short period of time, has insufficient accumulated credit and influence, and the specific amount of risk reserves is unknown. However, the team has Internet and financial backgrounds, and the allocation is reasonable; the yield is high, and it is recommended for short-term investors with risk preferences. Invest appropriately.

VI What should I do if I can’t save money? .

Finance needs to be managed. You can consider keeping a journal for yourself, starting from saving the most unnecessary expenses, and saving the money regularly every month. For example, if your monthly income is only 3,000 yuan, your necessary expenses are 2,000 yuan, and non-essential expenses are 1,000 yuan. Yuan, save this 1,000 yuan, use 500 yuan as emergency fund, and use the other 500 yuan for savings. The balance of each month's emergency fund is carried forward to the next month as an emergency fund. The emergency fund is always guaranteed to be 500 yuan, and the remaining money and a fixed amount of 500 yuan are saved. In addition, savings are not just placed in the bank for current savings, but for regular financial management where money makes money. It is recommended to use the financial product "Spark Wallet", with daily interest settlement and compound interest calculation, the interest rate reaches 13%, and cash can be withdrawn at any time. Don’t underestimate the few hundred yuan every month. After a year, you will find that you can still save tens of thousands of yuan, and the money will make money, andAs your income increases, more and more money can be used for financial management. In a few years, you will be a little rich woman~~~~

Ⅶ How to understand the 4.5% income from bank financial management

The rate of return on bank financial management is generally simple interest and is the "expected annualized rate of return". Actual income = principal * annualized rate of return / 365 days * actual number of days of the product.

You can also pay attention to Duxiaoman Financial Management APP (formerly online financial management). There are some current and time bank deposit products including small and medium-sized banks on the platform for users to choose according to their own liquidity preferences. Enjoy deposit insurance protection, with 100% compensation within 500,000.

For example, the current product "Sanxiang Bank Current" has an early withdrawal income of about 3.9%, deposit and withdrawal at any time, interest starts on the same day, no restrictions on holidays, withdrawals on any natural day, real-time credit on the same day, no trading day restrictions , no limit limit; such as the regular bank financial product "Zhenxing Smart Deposit", the annualized rate of return is around 4.8%, which is suitable for stable investors and above.

You can search for "Du Xiaoman Financial Management APP download link" in the application market or follow "Du Xiaoman Technology Service Account (xiaomanlicai)" for detailed product information. Investment is risky, so be careful when managing your finances!

ⅧIs Jiedaibao real?

Is Jiedaibao a pyramid scheme?
A: First of all, Jiedaibao is just a promotion event. , so it cannot be counted as a pyramid scheme; secondly, the promotion method of lending is introduction and referral. Such two simple methods are different from the n-level superior-subordinate relationship in MLM; and MLM collects money before giving you money. Jiedaibao pays the commission directly.
Example: You invite A, and you and A each get an invitation reward of 20 yuan. Then A invites B, and you get another 10 yuan invitation reward. If B invites C again, it has nothing to do with you, so It is different from MLM where one person manages n-level people.
Is Jiedaibao reliable?
Answer, Jiedaibao is actually P2P, but the previous P2Ps were websites, but now they appear in the form of products, so in terms of product content, it is not a It is a novel product, and the new version of Alipay also provides similar borrowing functions, so it is not worth worrying about in terms of business model.
Is Jiedaibao safe?
A. At present, the business model of Jiedaibao is very ordinary and it is not an innovative product. Therefore, the possible risks have basically occurred in the past few years. As long as It only does serious business, so there is no problem. The only problem now is why it can spend so much money for publicity. Of course, if it is just to defraud money, then when we open the news, we can find that it does not need to be special to defraud money. There are many news and all kinds.

Ⅸ Someone recommended P2P investment to me. How can Spark Wallet be cheated?

Investment and financial management always need to pay attention to the allocation of assets. You cannot bet all your money on one platform.superior. The P2P industry is currently in chaos. Investors now invest diversifiedly, generally investing in at least more than 10 platforms, and then use the online loan investment management software "Daiyoubang App" to manage these platforms in a unified manner, which is much more convenient.

Spark Wallet adopts the first Internet financial ETF fund wealth management model. Through big data solutions and IFDC risk control system, it strictly controls 2,400 financial management platforms. Carefully select 100 of the best platforms and debt projects with state-owned assets background, listed company holdings, and international venture capital for diversified investment, and split and transfer the combined debt.

1. The so-called selected claims are to use the IFDC risk control system to carefully select claims, and then use big data methods to re-use these selected claims. Selected to ensure the platform has strict risk control levels.

2. The so-called extreme diversification means not putting eggs in one basket, but spreading funds into tens of thousands of claims on nearly a hundred financial management platforms. Further ensure that risks are controlled within a reasonable range.

3. The so-called withdrawal at any time refers to the X series of underlying (ETF-like fund products), whether it is X100, X50, or X30, users can Withdraw money at any time, no time limit. This further increases the credibility of the platform. The 100, 50, and 30 in the X series refer to investing in well-known domestic money platforms. The top 30 platforms are more stable, and they are all companies with strong backgrounds. Of course, the monthly stability means that the lower the interest rate, the yields of these three investment products also differ a lot, and the maximum difference can reach 5%. The highest yield is almost 13.06%. But withdrawing money at any time also makes up for the shortcomings of low yields.

2. Projects

Spark Wallet has three investable projects:

Spark X100, with an interest rate of 13.8%, Source of credit: one of the top 100 P2P platform projects in the country that has been reviewed by the strict risk control system

Xinghuo Project

Xinghuo I am a young man with a high degree of education. The actual experience is not very satisfactory. I have to recharge three times and only succeeded once. It is difficult to receive the verification code. There is a limit for recharge. I have the same bank card but it is not available on other platforms. This happened. I asked the customer service, and the customer service replied that our technical department was communicating with XX Tong, but there was no result. In addition, the competition for bids was very serious. Every day at 9 o'clock in the morning, the Spark X100 was bought, and it basically took a second. If you don’t pay attention to your funds, you will stand guard. The minimum investment is one yuan, and you can withdraw money at any time. There is a 2 yuan fee for withdrawal.Fees are not credited until T+1. Sometimes the credit is not credited even on T+1. This is my actual experience. However, there is a novice trial bonus for novice registration. The platform specifies investing in Spark Only after the accumulated income reaches 100 yuan can you withdraw the income from the trial funds. The platform also launches a points VIP activity. The amount of VIP points is proportional to the investment amount and the number of recommended investors. The higher the VIP level, the withdrawal procedure is free. The more times you pay

The following is my own summary of how to choose a platform for reference: