Today we won't discuss the market, just one thing: how to safely transfer the money earned in the crypto world into your bank account.

To put it bluntly, whether you have hundreds of thousands or millions in your account, as long as you can't cash out, the profit will forever just be a number. Over the past year, I personally withdrew 1 million USDT to my bank account in batches, with zero card freezes and zero pitfalls.

Many people fail not because they are not careful enough, but because they overlook those **'seemingly harmless but actually fatal details'**. Today, I will walk you through the entire process and experience step by step. Follow this, and you'll avoid 99% of the detours.

1. Choose the platform + Select the right merchant to avoid 80% of the risks first

1. OTC platforms must be top-tier

Only use legitimate large exchanges like Binance and OKX. Their OTC merchants are mostly vetted, with fast arrivals and full T+1 support. Avoid smaller exchanges even if they are cheaper, as the risk of merchant default is high, and if the money doesn't arrive, you won't know who to turn to.

2. Merchants must look at hard indicators

  • Registration time ≥ 2 years

  • Monthly transaction volume ≥ 10 million

  • Positive feedback rate ≥ 98%

Exclude those with flashy avatars and strange nicknames; experience tells me that these merchants are often scams trying to fish for victims.

3. Timing should not be random

Try not to cash out after 8 PM. Customer service is off duty, and if you enter the wrong card number or amount, no one will be there to help you, which can easily get stuck halfway.

2. Don't rush to withdraw after transferring to the wallet: let the blockchain heat 'cool down'

Don't rush before cashing out, first transfer the coins to your commonly used wallet and let it sit for three days.

  • Withdraw to wallets like MetaMask or Trust that you use regularly.

  • Do not touch the funds for three days to let the blockchain record 'cool down'.

  • Don't suddenly create a new address to receive coins; new wallet + large amount = bank risk control red flag.

Many cards get frozen because you 'transfer coins to the wallet and immediately cash out', leaving clear traces of arbitrage on the chain.

3. Three rules for cashing out: 99% of people fail at this step

1. Split the amount, do not withdraw the entire sum

For example, split 100,000 into 50,000 + 30,000 + 20,000, one transaction per day; for 1,000,000, split into 8 transactions, each spaced 2-3 days apart. To the bank, normal flow is **'small amounts + multiple transactions + reasonable intervals'**.

2. The receiving card must be the one you are 'actually using'

What is a 'living card'? It is the card you use every day:

  • Order takeout


  • Pay utilities


  • Repay mortgage



This card has a balance, has consumption, and has income, looking like a 'normal person'; only then will the bank allow it.

3. 'Nurture the card' in advance: make a few small transactions

If you want to receive 50,000 today, make a few small purchases yesterday afternoon:

  • Breakfast 18 yuan

  • Supermarket 42 yuan

  • Phone bill 100 yuan


This way, the bank system will see: this card has been active recently, so receiving a large amount also seems reasonable.



4. After the funds arrive, don't mess up in the last 10 meters

1. Always confirm the payer's name

It must match exactly what is written in the order. If it doesn't match, ask the merchant to cancel and redo it immediately. Don't gamble on luck; money received from the wrong person belongs to the black market and will definitely freeze the card.

2. Notes must be clean

The best practice: have the merchant leave the notes empty or write 'living expenses' or 'service fees'; never include sensitive words like 'USDT, digital currency, investment, purchasing agent', etc.

3. Don't rush to transfer out after it arrives

  • Do not touch the money within 48 hours

  • Transfer out in batches on the third day, each time ≤ 20,000

The bank system will observe the fund usage within two days after arrival; any large operations during this time are likely to trigger the risk model.

5. The two easiest traps to fall into

1. Do not directly sell USDT

USDT is closely monitored by the bank system. A more secure approach is:

  • Convert to CNC or QC (RMB stablecoin) before cashing out


  • Use the 'Blue Shield Merchant' 'Compliance Channel'. Although the exchange rate is a bit lower, safety is priceless.


2. Never test the transfer

Many people like to first test with 1 yuan to see if the card can receive money—this is a typical signal for banks to identify 'virtual currency transactions'. This test may cause your card to be blocked.

A simple mantra: you can copy and use this


Copy and edit the wallet and let it sit for three days; choose cards you use daily.
Split into smaller batches to transfer; do not move the funds after arrival.
Be cautious with USDT directly; Blue Shield is more secure.
Old merchants watch the indicators; details determine life or death.

Conclusion: Bringing the money home is the real gain.

You might flip your position overnight in trading, or you might make hundreds of times in altcoin markets, but only when the money successfully enters your bank account does this transaction count as a real win.

Making money is a skill, but being able to hold onto it is the real ability. If you are still anxious about cashing out, don't gamble on luck; focus on the details, follow my steps, and receiving money safely is the way of an expert.

Wishing you a smooth and secure transaction.