Brothers, let's talk about something practical this time. We're not discussing how to make money, but rather something everyone wants to know: how to safely put the money earned in the crypto world into your own pockets. Since entering the crypto space in 2018, I've seen many people with six-figure or seven-figure balances in their accounts, only to have their withdrawals frozen, and they end up working hard for nothing.
Last year, I successfully transferred 2 million USDT to my bank account without freezing or disputes. When the bank app notification popped up, I stared at the screen and smiled for half an hour. This is both difficult and simple, all in the details. Today, I will share all the pitfalls I've encountered and the 'homegrown withdrawal techniques' I've summarized; follow these, and your profits will truly be 'in the bag.'
1. Choosing a platform and seller: The first step is to block the pitfalls.
The pitfalls in withdrawing are 80% due to 'choosing the wrong channel.' In 2021, when I withdrew for the first time, I chose a small platform's 'private seller' for convenience, and my money was frozen 3 days after arriving — I later found out the seller's money had issues, and I became an 'accomplice.'
Now I only recognize two strict rules:
The platform must be a 'regular army':
Choose a top platform that supports 'T+1 settlement' (like Binance, OKX OTC), and don't use those little-known small platforms. Regular platforms have merchant review mechanisms, so if something goes wrong, you can find someone; small platforms have mixed merchants, and if they run away, there's nowhere to find them.
The seller must be an 'experienced player':
When screening, look for three hard indicators: registration time over 2 years, monthly transaction volume over 10 million, and a good review rate above 98%. Those with nicknames like 'Crypto War God' or 'Get Rich Brother' and flashy avatars should be skipped — serious merchants won't do such gimmicks; their names are often 'XX Trading' or 'XX Technology', which look like legitimate businesses.
Avoiding pitfalls details:
Don't withdraw after 8 PM. Customer service is off duty, and if there's a problem with the order (like the seller entering the wrong account or amount), no one will coordinate, and you'll just be anxious. Once, I withdrew at midnight, and the seller shorted me by 5000 yuan; it took 3 days to recover once customer service was back.
2. Wallet cool-off period: Let the bullets fly for 3 days.
After transferring coins from the exchange to your own wallet, don't rush to transfer it to the merchant for cash. I learned this the hard way: in 2022, I transferred out immediately after depositing into my wallet, and the bank called to ask, 'Is this money from virtual currency?' Even though I explained it clearly, my account was under heavy monitoring for six months.
Now I do this regularly: after transferring to my wallet, I leave it for 3 days without touching it. These 3 days serve to cool down the chain records — the bank's risk control system is most sensitive to operations where 'crypto → fiat currency' arrives within one hour, deeming it 'too deliberate'; waiting 3 days looks more like a 'normal transfer', which is much calmer.
Remember: it's best to use your commonly used wallet address (like MetaMask, Trust); don't use a newly registered 'clean wallet' — a sudden large transfer to a new wallet can easily get flagged.
3. The three iron rules for withdrawal operations: 99% of people do it wrong.
These three rules are what I summarized after asking 10 experienced people who successfully withdrew without issues, the 'life-saving tricks':
Don't go all in at once; split it into 'small change' withdrawals:
For example, if I want to withdraw 100,000, I split it into 50,000, 30,000, and 20,000, withdrawing one amount every other day. When I withdrew 1 million, I split it into 8 transactions, each spaced 2-3 days apart. Banks are sensitive to 'sudden large amounts', but 'small amounts multiple times, with reasonable intervals' will be deemed 'normal business income.'
Use a 'living card', not an 'idle card':
Use the bank card you really use — the one you scan every day for breakfast, grocery shopping, or sending red envelopes. Keep a few thousand yuan balance, link it to WeChat and Alipay, and preferably have records of mortgage or car loan deductions. I use my salary card, which shows 'salary deposits', 'milk tea expenses', and 'utility bills' in the bank statement, making it clear it's a 'card in use.'
Before withdrawing, first 'brush up on healthy transactions':
For example, if you plan to withdraw 50,000 tomorrow, today use this card to make a few transactions: buy a 20 yuan coffee in the morning, pay for a 50 yuan takeaway at noon, and recharge 100 yuan for phone credit in the afternoon. These small expenses will tell the bank: 'This card is in normal use, not just for receiving money.'
4. After the money arrives: Don't make these 3 fatal mistakes.
When the money arrives in your account, don't get excited; this is when mistakes happen most unfairly. I've seen someone immediately transfer to Alipay after receiving the money, only to be intercepted by the bank and deemed a 'suspicious transfer.'
First check the name; if it doesn't match, refund it:
Immediately check the remitter's name; it must match the 'merchant name' when you placed the order on the platform. If the names don't match (for example, if the merchant ordered under 'Zhang San' but transferred under 'Li Si'), don't be greedy for that little money; refund it immediately — this money is likely 'dirty money,' and accepting it will freeze your account.
Don't fill in remarks randomly; it's best to leave them empty:
When the merchant transfers, never write 'investment funds', 'goods payment', or 'virtual currency' in the remarks. I always ask merchants to leave the remark empty or write 'living expenses' (if the merchant is an individual) or 'service fee' (if it's a corporate name). Last year, a brother had the merchant note 'USDT exchange,' and his account was frozen for 90 days.
Don't rush to withdraw; wait 2 days before moving:
Leave the money in your account first; don't transfer it to other accounts or investment platforms on the same day. The bank's AI risk control will 'observe' for 24-48 hours, and moving it around carelessly can easily trigger alerts. I usually wait until the 3rd day after the money arrives, then transfer it in several batches (like sending some to my wife, keeping some for myself), with each transfer not exceeding 20,000.
5. The easiest pitfalls that freeze accounts: 90% of people have fallen into them.
Don't sell USDT directly:
It's not that USDT is bad; it's just that too many people use it for withdrawals, and banks are watching closely. Switch to RMB stablecoins like CNC or QC, or use the platform's 'Blue Shield merchants' and 'compliant channels' for withdrawals — although the exchange rate may be 0.1%-0.3% lower, it's much safer. My last 100,000 went through the Blue Shield channel, and it arrived quickly without any noise from the bank.
Never 'test with a small amount':
Some people are afraid there are issues with the card and first transfer 1 yuan to 'test the card'; this is a huge mistake! In the bank's risk control system, the combination of '1 yuan small amount + large amount' is a typical feature of 'virtual currency transactions,' and testing will get you flagged. A friend of mine did this; he tested with 1 yuan and got his 50,000 frozen the next day.
Core summary of rules:
Leave the wallet for 3 days, and use your daily card.
Split small transfers; don’t rush to act once the money arrives.
Avoid USDT; don't make small tests.
Blue Shield channels are stable; experienced merchants are the most reliable.
Brothers, making money in the crypto world is hard, but taking it back home is even harder. I've seen too many people make millions, only to have their money frozen in their accounts due to withdrawal issues, and some even get into trouble. Remember: profits only count when they are in your bank account, can buy groceries, pay off loans, or be spent on family; that's when you really earn.
Follow these details, and withdrawing won't be so mysterious. As Lao Xiao said: 'The last step in the crypto world is even more important than the first — if you win 99 steps before, but mess up the last step, it’s all in vain.'