Moreover, many banks were also involved, although they were not directly related, they were still connected.
Huazhiyue initially focused on large-scale transactions, such as real estate and automobiles, which involve substantial sums of money and generate significant wealth.
The model involves merchants and users. For example, a merchant might offer a house valued at 100 million yen. By using the π payment system, users can receive a discount.
That's one point. The second is that Flower Delight gives back points, which can be directly exchanged for currency.
The returned points are credited to your Flower Language account every month. Based on a transaction volume of 100 million yen, the points are returned over 120 months and 240 months respectively, meaning one is returned over ten years and the other over twenty years.
One point is equivalent to 1 RMB. So after twenty years of points being returned, you basically won't have spent any money on this house.
To put it another way, if you take out a loan to buy this house and plan to pay in installments over twenty years, the points that Huazhiyue returns to you each month are essentially helping you pay the interest.
Adding the discounted price from the previous π payment, you still earn at least 20%.
Buying a house doesn't just cost money, it can actually make you money? Is there really such a good thing?
Of course, this model will also raise questions from many people. Anyone with a normal mind will wonder how Huazhiyue Company makes a profit. It can't be an orphanage, can it?
Why did Xing Baohua turn Huazhiyue into an investment and wealth management company? It was just a front.
They will turn the money from the transactions into a pool of funds, and then make extensive investments around the world.
They use the profits from investments to give back to those who trust them.
They'll even use insurance companies as examples to explain where the money you pay for insurance goes. Many participating insurance policies use your money for investment. Our Huazhiyue allows you to receive dividends in advance. Even if we don't return the points to you later, you'll still have your house and the points we gave you in the early stages. You can exchange those points for money, so you won't lose anything.
That's what they said, but they never imagined it was a conspiracy to promote high consumption, primarily to boost real estate sales and the turnover of π payments.
The last one is absconding with the money.
But even if the Japanese people understand that it has nothing to do with them if the money is embezzled and they run away, since the house and car are their own and registered in their own names, it has nothing to do with them if they run away!
It's very important.
Firstly, the points are returned in time periods, with the minimum return being 120 months. However, there are prerequisites, including an incubation period. For the 120-month return, you can only receive the first month's points after three years.
The 240-month option will be available in two years, and the 360-month option will be available in one year.
They created a time lag and, to convince the public, promised to return 20% of the points each month starting from the moment the transaction began.
Use a small amount of money to keep the money in the bag first. If you want a faster return, you can buy an accelerator or accumulate points for other products.
Or it could be a high-multiplier transaction, where the higher the multiplier, the greater the return. For example, a house worth 100 million might be sold for 200 million, and you'll receive a year's worth of accelerator credits. You'll be able to complete the return of all points within ten years, which means you'll be told to the client that you've earned 100 million in cash for free.
Let's shift the focus. If you don't have that much money, no problem, you can get a low-interest loan from a bank. Huazhiyue can help them get loans.
In this way, π Payment can use 30% of its transaction volume for lending, and if that's not enough, it can partner with banks to lend.
The initial gameplay—no, the promotion—requires some handsome men and beautiful women. These promoters are all from the lower rungs of society; they all have handsome appearances, but in reality, they are all poor.
Girls can easily earn extra money by lying down, while boys end up doing petty theft or even illegal things.
Some of these lower-class people are controlled by gangs, and Xing Baohua also controls this line, recruiting a group of them and giving them a high commission to promote Huazhiyue according to certain techniques.
As for the target audience they were promoting to, Xing Baohua selected single men and women with some financial means through the data from the π payment backend.
Moreover, all these people know is that they work for real estate agents.
The real estate agents were instructed to recommend Huazhiyue, and they would immediately receive an unimaginable commission for every successful transaction.
Pretending to have a fake relationship with a client on the list, what's so difficult about that? You've already bought the meat, so why can't you sell a lie?
The first order was placed by a white-collar lady from a certain district of JD.com. The only drawback was that she was a bit older. This kind of lady is indeed at the age where she wants to get married, but good boys don't look at her because she is older. Most of the guys older than her are already married.
One day, a young woman named Fang Huizi received the wrong gift. A handsome little boy called her, saying that the wrong gift had been sent and hoping that she could return it to him.
That's how the two met. To thank the young lady, the boy bought her a cup of coffee. That's how they met, albeit somewhat haphazardly. The boy often sent her messages of concern and care.
The young woman thought spring had arrived and forgot to ask how the other person knew her address and phone number.
A month of dating made the young woman fall in love, while the boy seemed to have no home and lived in the young woman's rented apartment.
One day, the little boy suddenly said to the girl, "Let's buy a house and get married!"
Normally, when people get married, the house is usually paid for by the man or jointly by both of them. However, the young man said that he had suffered a lot of losses due to a failed investment recently, so he wanted to pay for the house first, using the young woman's name, and they would share the cost.
The young woman, deeply in love, had no doubts and went to real estate agents to look at houses. She saw many houses and heard many agents talk about Huazhiyue.
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