招财宝变现套利违法吗？
招财宝不断的变现套利违法吗？？？
推荐回答（5个）
当然违法啊 凭什么让你不劳而获 一旦变现 债方出现问题 保险公司不赔 招财宝不管 你又拿不出钱来抵 那你就等着坐穿牢底吧 所以除非极端情况 迫不得已 不建议变现 还是等着到期最稳妥 变现了天天想着背负着多少个合同 还要担心他们一个都不能有闪失 你不觉得很累吗
首先，要明确一点，招财宝提前变现不属于套现，更不违法。
所谓变现，其实是“变现借款”的简称，是用户基于自己在招财宝平台持有的指定理财资产数据发布借款申请，由保险公司提供还款保障措施，由借出人直接向借入人借出资金的直接融资“个人。
用户发起变现借款申请后将生成为一笔“个人贷”借款，其他用户通过招财宝平台购买或预约购买该笔借款后，实质是将相应资金出借给变现申请人，从而满足变现申请人获得现金的需求。
比如说，A在招财宝上购买了一款3年期的保险产品，1年后急需钱申请变现的话，这笔钱不是说保险公司把钱退给A，而是在申请变现的过程中招财宝会帮A生成一笔“个人贷”借款，类似于在P2P平台发布一个借款标，是向平台的其他用户借回所需的钱。而原来的保险产品还是存在的，原来的收益率也保持不变。只不过，平台将变现部分接下来的收益转给其他用户而已。
招财宝提前变现可不一定会获利，有时还会损失资金。比如上面的A，提前变现时，由于现在的同类保险产品的利率已经上涨到7%，A若按之前自己的购买的利率5%转让，是没有人接手这个保险产品的，为了能及时将产品变现，A只能按现在7%利率进行变现，变现成功后，这2%利率差就要由A自己承担。
不违法啊……不过建议你多看看与质押相关的法律方面的知识，因为变现就是质押，而质押在法律方面不算很成熟
从法理上讲，招财宝那样搞质押，的确有打擦边球的嫌疑……为了以后更好的维权，多读点相关的书吧，万一以后又用上了
我觉得可以规定 一个支付宝账户 购买的同一产品只能限定次数变现
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