First understand: Why will withdrawals 'explode'? Where are the pitfalls of banks and dirty money?
The risk of withdrawals has never been about 'selling USDT' itself, but about not understanding these two underlying logics:
The bank's 'monitoring red line': Transfers over 50,000 in a single transaction, or 200,000 in one day will trigger the central bank's anti-money laundering system, especially 'quick in and out' (money in and out on the same day), 'large transfers from different locations' (transfers outside the account opening bank's location), the bank will directly mark it as a 'high-risk transaction', at best they will call you for inquiries, at worst they will freeze your account and require you to go to the counter to 'explain the source of funds.'
The 'three-level trap' of dirty money: The money you receive when you sell USDT may be from scams or gambling proceeds, classified into three levels based on risk:
Level 3 dirty money: The other party uses dirty money to buy USDT, frozen within 3 days, unfreezing requires providing transaction proof (platform transaction records, OTC records);
Level 2 dirty money: Funds involved in major cases, frozen for at least half a year, some may be directly deducted;
Level 1 dirty money: Knowing the funds are dirty yet still transacting, suspected of 'concealing criminal proceeds', with a prison term starting at 3 years—this is not an exaggeration, in 2023, retail investors were sentenced to 2 years for selling USDT to 'money laundering groups'.
Pitfall guide: 5 ironclad rules to safely land tens of millions in funds, each one is lifesaving.
1. Never be greedy for 'high-priced USDT', a market price ±0.5% is the safety line.
I have withdrawn 5 million USDT, and I never look for buyers offering 'premium over 3%'. 90% of these high-priced USDT merchants are 'washing dirty money': they buy USDT at high prices with dirty money, then sell it to the platform at a low price, making a profit while turning dirty money into 'clean USDT'. You think you’re getting a bargain, but you’re actually helping them launder money, and the money could be frozen as soon as it arrives.
Correct approach: Choose 'certified merchants' on top platforms (Binance, OKX), filter for sellers with 'transactions over 100,000 and a positive review rate above 99%', control premium within 0.3%-0.5%, better to earn a little less than risk stepping into criminal traps.
2. Even familiar transactions require 'money verification'; ask three questions and check to prevent phishing.
Don't believe in 'offline cash transactions' or 'friends introduce absolute safety'. A brother of mine sold USDT through acquaintances, and the other party said it was 'project funds', but the money turned out to be scam proceeds, his bank card was frozen for 6 months, almost affecting his mortgage approval.
Three-step money verification method:
Ask about the source: 'Is this money salary/business income/investment returns?' If they hesitate to answer, directly blacklist them;
Check the transaction records: Ask the other party to provide bank transaction records for the last 3 months (masking private information), to see if there are 'frequent small amounts coming in' or 'large transfers at night'—these are often funds for money laundering;
Take your time: After receiving the money, don’t rush to transfer it out; keep it in the card for 3-5 days, observe if it gets frozen, confirm safety before diversifying to other cards.
3. Withdraw in phases, through different channels; slow is fast.
Want to withdraw 10 million in one day? That’s like telling the bank 'I'm laundering money.' My withdrawal rhythm is '10 batches over 3 months', using 3 cards in rotation:
Month 1: Withdraw 500,000 weekly using Card A (salary card, stable flow), each withdrawal not exceeding 200,000 per day, with Alipay/WeChat assisting with small amounts (not exceeding 50,000 per day);
Month 2: Withdraw 800,000 weekly using Card B (investment card, with fixed deposit records), combined with 'convert USDT to coins and then sell' (for example, first convert BTC on the platform, then sell and withdraw), to lower the sensitivity of direct USDT transactions;
Month 3: Withdraw the remaining funds in 3 batches using Card C (local bank card, account opening bank in the resident area), avoiding large transfers from different locations that could trigger risk control.
Core: Make the flow of funds appear 'as natural as salary/investment returns', not 'sudden wealth through large rapid transactions.'
4. Bank card 'tiered management', putting up a 'firewall' for funds.
I have 3 withdrawal cards, each with clear functions, never use 'daily consumption card' for withdrawals:
Main card: Local major bank (Industrial and Commercial Bank of China, China Construction Bank), with mortgage/investment records, used for receiving large amounts of funds, usually only inflow, after funds settle transfer to other cards;
Intermediate card: Joint-stock banks (China Merchants Bank, Shanghai Pudong Development Bank), used to disperse funds from the main card, transferring 50,000 to 100,000 each time; can be used for daily expenses, buying investments, making the cash flow more 'life-like';
Backup card: Local small bank (urban commercial bank), low limit (within 200,000), specifically for receiving small amounts of USDT to avoid frequent transactions on the main card.
Taboo: Do not use credit cards for withdrawals (unable to explain the source of funds), do not frequently change withdrawal cards (the bank will think you are 'evading monitoring').
5. Prepare 'withdrawal files', don’t panic if the bank inquires.
Don’t panic if you receive a bank call; 90% are routine risk control. Having these materials ready can quickly unfreeze your account:
Platform OTC records: Screenshot and save the order number, counterpart information, and payment proof (must include platform watermark) for each transaction;
Source of funds explanation: Clearly write 'This USDT was purchased in XX month of 202X on XX platform for investing in cryptocurrency, withdrawn after selling', attach the transfer record for the purchase;
Identification proof: ID card, front and back of the bank card; if you have work proof (employment verification, income flow), that’s even better, to prove 'funds match career income.'
Key: Attitude of cooperation, do not say 'trading coins', say 'digital asset investment', emphasize 'trading through legitimate platforms', absolutely do not mention 'contracts, leverage'—banks are more sensitive to high-risk investments.
Final reminder: The core of withdrawals is 'not being greedy, not being impatient, not taking chances.'
I have seen too many people get carried away after making money, thinking 'it's fine to do it occasionally', only to fall at the last step. The essence of withdrawing millions is not 'finding the fastest channel', but 'using rules to make the funds appear 'reasonable and legal'.
Not being greedy for high prices avoids 80% of the dirty money traps;
Withdraw slowly to avoid the bank's 'abnormal monitoring';
Prepare your documents, and you won’t fear sudden freezes.
Making money in the crypto circle is hard, but preserving money is even harder. Remember: Safely transferring tens of millions in profits into a bank account is more important than earning tens of millions itself. Be steady, be slow, so you can go further in the crypto space.
In the crypto space, technique is king. Focus on refining the operational system, from order hanging techniques to trend judgment, details hide opportunities. Use technology as your confidence.