Optimal U Solution (Minimal Version)

1. Use Regular Exchange P2P (Preferred)

Binance / OKX / Bybit over-the-counter selling → Buyer transfers money to your backup bank card → Release currency after receiving payment

Transaction fee ≈ 0, quick arrival, platform arbitration ensures safety

2. Batch and Control Amount

Single transaction ≤ 50,000 RMB, avoid consecutive large amounts within a day to reduce bank risk control probability

Prepare more than two receiving cards for rotation use

3. Virtual Card / Third-party Withdrawal (Alternative)

Revolut, Airwallex, etc., receive USDT, then withdraw or spend directly

Good privacy, but withdrawal fees are slightly higher and the process is a bit slower

4. Avoid Risks

Refuse "release currency first and then pay"

Do not engage with unknown WeChat groups, Douyin intermediaries offering high prices for U

Beware of phishing links, enable Google verification + SMS dual protection