Especially when there's 'a full account of U' sitting in your account, a little carelessness: mild cases result in your bank card being frozen, affecting your salary card and mortgage card; severe cases could mean the police coming to investigate. Even if you are innocent, the record-taking and cooperation with the investigation can be exhausting for half a year.
The traps for selling U are far more hidden than you think.
For example, if you have accumulated 5 million through contract fluctuations and excitedly place an order to sell U on a platform, the bank will immediately call: 'Hello sir, we have detected a large amount of funds deposited. We have exclusive VIP wealth management services...' This sounds like a friendly inquiry, but in reality, the bank's risk control is 'marking' you—frequent large amounts of unclear origins have long been flagged as 'key observation targets' by the system.
What’s scarier is running into 'dirty money.' When placing an OTC order on a platform, the money from the other party may look clean, but it could actually be proceeds from fraud or money laundering. Based on the 'level of dirty money':

  • Level 3 dirty money: Bank cards can be frozen for a minimum of 3 days, and for larger amounts, freezing for half a year is normal, and thawing requires running around the police station to obtain a pile of proofs;

  • Level 2 dirty money: Frozen for at least half a year, with a high probability of the funds going down the drain, as the bank directly recognizes it as 'involved in a case';

  • Level 1 dirty money: Directly triggers the 'concealment of criminal proceeds' charge, starting with a three-year prison term, all earnings confiscated, and you will also end up in jail.


You just want to convert digital assets into cash, but end up being implicated in a criminal case, losing your money and getting into legal trouble—that's the real injustice.
When withdrawing funds, there are several ironclad rules that must be remembered:

  1. Don't be greedy for 'high price differences'
    Someone is placing an order to receive U at a price 3% or even 5% higher than the market price, and you think you’ve found a bargain? It is highly likely that the other party is 'cleaning' dirty money—attracting you to trade with a high price, and once the transaction is completed, your card becomes part of the circulation of dirty money, and getting your card frozen is just a matter of time. The normal profit for U merchants is only about 0.5%-1%, anything significantly above this range is likely a trap.

  2. Don't touch unfamiliar U merchants and offline cash.
    Some say 'meeting in person for transactions, exchanging U for cash directly' is safer? This is a huge mistake. The cash given to you by the other party may be counterfeit, and it is more likely to be dirty money just withdrawn from an ATM. Accepting it means you are 'an accomplice.' As for so-called 'introductions by acquaintances,' as long as you do not understand the true source of their funds (e.g., whether they come from a corporate account, whether there are normal business flows), treat them all as 'dangerous.'

  3. Slow is fast; splitting withdrawals is the way to go.
    Want to withdraw 10 million in one day? That’s just asking for trouble. The correct approach is: split it into 50-100 transactions, using 3-5 different bank cards each day, controlling each transaction to be between 50,000 to 200,000, and use Alipay and WeChat for small withdrawals (don’t exceed 100,000 in a single day). Make the fund flow appear like 'business income' or 'salary income,' rather than a sudden windfall. Remember: banks are not afraid of you having money; they are afraid of 'money coming too suddenly.'

  4. Checking the source of funds is more important than looking at the price.
    Before trading, ask clearly about the source of the other party's funds: Is it personal salary? Business operating funds? Or investment returns? Request to see the other party's bank transaction records (just obscure key information), confirming that the funds are 'clean operating income.' After receiving the money, do not transfer it immediately; let the funds 'sit' in the card for 2-3 days, during which make a few normal purchases (like buying groceries or topping up phone credit) to simulate ordinary spending habits.

  5. Don't let your bank card 'run naked'.
    For the card used for withdrawals, it’s best to use an 'old card' (used for over 3 years with normal transaction flows), and not a newly issued card. Keep some balance on the card, link it to Alipay and WeChat, and occasionally make offline purchases to let the bank recognize this as your 'regular card.' Once it is frozen, don’t rush to call the bank; first recall who the trading partner was, organize the transaction records, proactively contact the bank to explain the situation, and provide materials. This is more effective than confronting them directly.


Ultimately, the core of withdrawing funds is not 'how to take the money out,' but 'how to make the source of the money look reasonable.' It's hard to make money in the crypto space, and it's even harder to keep it—less luck and more caution are necessary to truly turn 'numbers' into 'a solid life.'


#加密市场回调