It is legal for members to recharge and store value.

To determine whether it is illegal fund-raising, you need to see whether it uses fraudulent methods to illegally raise funds, and whether it meets the illegal fund-raising fraud conditions stipulated by the law.

Illegal fund-raising means that units or individuals raise funds from the public by issuing stocks, bonds, lottery tickets, investment fund securities or other debt certificates without approval from relevant departments in accordance with legal procedures, and promise to use monetary, physical and other means within a certain period of time.

The act of repaying principal and interest or providing returns to investors in other ways.