Making millions in crypto is hard, making those millions safe is even harder. I've seen too many people make money but due to improper withdrawal operations, their cards got frozen for half a year, even affecting family accounts. The 20 pitfalls I've experienced and avoided during withdrawals will be shared today — remember, the core of withdrawing funds is not 'fast', but 'stable', each step must be taken with a 'life-saving' mindset.
1. Platform selection: T+1 is the bottom line; withdrawing funds at night is like running naked.
Iron rule: Do not touch non T+1 platforms, and absolutely stop at night.
The essence of T+1 mode: It's not about restricting your fund liquidity, but helping you filter out black money. Black money exchanges often seek 'instant arrival', and the T+1 delay mechanism will make them retreat. I once used a small platform with instant withdrawals; withdrawing funds during the day was fine, but when I urgently needed money at 2 AM, I received a payment involving illicit funds, and nobody answered customer service. By morning, my card was frozen, and it took 3 months to unfreeze.
Risks of withdrawing at night: From 8 PM to 6 AM, bank risk control systems are more sensitive (fraud and money laundering occur more often at night), and most platform and bank customer service are off duty. If issues arise like 'payer information mismatch' or 'sensitive words in remarks', there's no one to help you intercept, and you can only watch your funds get frozen after they arrive.
2. Merchant screening: 'Two Olds' to filter risks, directly blacklist those with peculiar names.
Survival rule: Only play with 'old brands, old transactions', stay away from flashy new faces.
Two Olds standard:
Old brand: Registered for over 2 years (check the platform merchant profile to see the registration date), new merchants may be fronts for 'score-running gangs', encountered a 'fast payment' merchant registered for only 3 months last year, took the money and froze the account, complaints to the platform were useless.
Old transactions: Monthly transaction volume above 10 million (the platform will display the total transaction volume of the merchant), high flow indicates market validation and understanding of regulatory avoidance.
Lightning strike guide: If you see merchants with names like 'Crypto Circle God of Wealth' or 'Instant Arrival King', just steer clear — legitimate merchants will not use such eye-catching names, and the likelihood is high that they are short-term arbitrage schemes, with a risk of over 80%.
3. Wallet handling: 72-hour cooling period is a key step in breaking the continuity of on-chain transactions.
Operational details: After withdrawing funds, don't rush to move; let the funds 'rest for 3 days'.
After withdrawing from exchanges to personal wallets (recommended mainstream wallets like imToken, MetaMask), be sure to let it sit for 72 hours. This step is to break the continuity of on-chain transactions — black money often circulates quickly on-chain, while your funds 'cooling down' will reduce the bank's focus on you.
(Negative case: A friend transferred coins and then traded on the same day, which was monitored by the bank as 'high-frequency on-chain transfers', directly triggering an anti-money laundering investigation. Although it was eventually unfrozen, the funds were frozen for 45 days.)
4. Withdrawal operations: Split, nurture, and check — one wrong step can lead to total loss.
1. Amount splitting: Split 10 million into an 'ant-moving' model.
Single withdrawals should definitely not exceed 500,000; split 10 million into 20 transactions, with a gap of 1-2 days (at least 24 hours). The bank's monitoring level for 'large amounts over 500,000' is 10 times that of ordinary amounts; splitting them can reduce the probability of being flagged by 90%.
Disperse operations across different platforms: For example, 10 transactions on Binance, 10 transactions on OKX, to avoid being flagged for high-frequency trading on a single platform.
2. Card selection: Nurture 'live cards', avoid 'dead cards'; daily flow is your protection.
Card selection criteria: Must be a card used for daily high-frequency consumption (such as salary cards, commonly used savings cards), maintain a balance of 500-1000 yuan year-round, and bind to WeChat or Alipay with at least 3 transactions per week (supermarket shopping, takeout, taxi are all fine). For the three days before withdrawing funds, make 2 small transactions (10-50 yuan) to make the flow appear more natural.
Absolute taboo: Never use 'dead cards' that have been idle for more than six months; sudden large deposits in these cards will 100% trigger bank warnings. I used a card that had not been used for years for withdrawal in 2021, and received a call from the bank that day. It took 2 hours of explanation to avoid freezing.
3. Account verification: Three checks and one stop; if there are doubts, return immediately.
Check the payer: The name of the payer in the bank statement must exactly match the merchant name on the platform order (even a single incorrect character), otherwise, it will be returned directly; do not listen to the merchant's excuse of 'family payment' — last year, a student believed this and received fraudulent funds, and the card has been frozen since.
Check remarks: If the payment remarks contain words like 'goods payment', 'investment', 'virtual currency', even if the money arrives, it should be returned! The best state is for the remarks to be left blank; if not possible, let the merchant write 'living expenses'.
Check the holding time: After funds arrive, at least let them sit for 3-5 days before transferring to the main card (the main card only summarizes, does not directly participate in withdrawals). This step is to prove that 'the funds are normal income, not suspicious money that comes in and out quickly'.
5. Transaction channels: Avoid the pitfalls of USDT, Blue Shield services are expensive but life-saving.
Pitfall guide: 90% of frozen cards come from USDT; take another route for more stability.
Prioritize compliant channels: Use platforms like CNC, QC for compliant stablecoin trading, these currencies' merchants undergo stricter platform reviews, the chance of black money mixing in is 60% lower than USDT.
For large amounts, choose Blue Shield services: Although the exchange rate is 1%-2% lower than ordinary merchants (spending an extra 100,000 to 200,000 on hundreds of millions), Blue Shield merchants have platform backing, and the source of funds is checked more rigorously. I've used Blue Shield for all 15 large withdrawals, zero risk.
The dumbest operation: Don't use 'small tests' — transferring 1 yuan first to test the card is a blatant warning to the bank 'I'm going for a large transaction', anti-money laundering systems will directly mark you as a 'high-risk account'. I've seen someone test with 1 yuan, and the next day trying to transfer 500,000 got frozen, no time to cry.
Summary: The core of withdrawing funds is 'making the funds look like salary'.
Withdrawing tens of millions is not 'technical work', but 'detail work': Choose T+1 platforms, recognize two olds for merchants, let wallets freeze for 3 days, split into small amounts, and nurture cards with daily transactions, avoid USDT in channels. By adhering to these six points, you can securely withdraw millions like me.
Final reminder: After withdrawing funds, don't be ostentatious, especially don't flaunt your balance in social circles — it's not just an old saying that wealth shouldn't be exposed, but a crucial rule for survival in the crypto world. Keeping this 10 million is more important than earning another 10 million.
Finally, thank you for watching, follow A Xu to avoid getting lost! I hope to share my years of experience and lessons in the crypto world to help you avoid detours and double your assets!
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