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最近有人用投资宗客商城商铺的方式让我妈交了20000元说是每月收益2500元，一年期并且商铺的收益80%归自己所有，除了发一些信息到朋友圈（朋友看了就是自己的绑定客户）其他都不用自己去操作，只要每月等收钱我想问问这是不是非法集资或传销？