Regardless of whether you have hundreds of thousands or millions in your account, if you don't handle the withdrawal step properly, you risk freezing your funds or even having your card banned — it could all be for nothing. Here are 5 withdrawal techniques verified through practical experience, follow them to help you secure your money:

1. Choose the right platform and timing, avoid 80% of the pitfalls

  1. Only recognize top OTC platforms
    Withdrawals must be done through the OTC sections of major exchanges like Binance and OKX. Their merchants undergo strict reviews, support T+1 deposits, and have customer service to back them up in case of issues. Avoid small exchanges' 'high exchange rates', as merchants running away and funds getting stuck are common, making it hard to seek rights.

  2. Avoid high-risk time points
    Try not to withdraw after 8 PM. The platform's customer service is off duty by then, and if you enter the wrong card number or amount is abnormal, no one is there to handle it promptly. Funds can easily get stuck in the system, and delaying until the next day may trigger the bank's risk control.

2. 'Cold process' before withdrawal: let the on-chain records 'lie flat' for 3 days

Many people are eager to cash out, just transferred coins from the exchange to the wallet, and immediately sell — this area is a hotspot for card freezes. The correct steps are:

  • First transfer the coins to your regularly used wallet (like MetaMask, Trust Wallet; new wallets are easily monitored);

  • Leave it for 3 days without moving, let the on-chain records 'cool down', simulating a normal asset holding state;

  • Never use a newly created wallet to receive funds, 'new address + large amount of funds' = a red flag for the bank's risk control system, and it will be thoroughly checked.

3. Ironclad rule for withdrawals: if you make a mistake in any of these 3 steps, it could freeze your card

  1. Split the amount, multiple small transactions
    100,000 can be split into 50,000 + 30,000 + 20,000, transferring one the next day; 1,000,000 can be split into 8-10 transactions, with each interval of 2-3 days. The 'normal flow' in the eyes of the bank is: small amounts, multiple transactions, and reasonable intervals. A large single deposit will trigger manual review 90% of the time.

  2. Use a 'living card' to receive funds
    It must be the card you use every day: ordering takeout, paying utilities, repaying the mortgage... The more everyday the transactions, the better. Such cards have records of daily consumption and income, which the bank will default as 'normal people's financial transactions', leading to higher approval chances.

  3. Pre-'nurture' the card, create active transaction flow
    For example, if you need to receive 50,000 today, make a few small transactions the day before: breakfast 15 yuan, supermarket 60 yuan, phone bill 100 yuan. Let the bank system see 'this card has been very active recently', which will lower vigilance during a large deposit.

4. Don’t be reckless after receiving the funds: the last 10 meters are the easiest to crash

  1. Verify the payer's information
    Ensure the merchant's name and order information match completely. If the names do not match? Immediately have the merchant cancel and reopen the order, don’t take chances. Accepting money under a stranger's name could freeze your card if it involves dirty money.

  2. Notes must be 'clean'
    Request the merchant not to write any notes, or to write 'living expenses' or 'service fees'. Absolutely avoid sensitive words like 'USDT, digital currency, investment', as the bank system intercepts these words instantly.

  3. Do not move funds for 48 hours after receipt
    After the funds arrive, let it sit for two days, then transfer it out in batches on the third day (each transfer ≤ 20,000). The bank will monitor the usage of funds during these two days; rushing to transfer may trigger the risk model.

5. Two 'deadly pitfalls', encountering them guarantees a hit

  1. Don't sell USDT directly for withdrawal
    USDT is a key monitoring target for banks. A safer way is to first exchange it for CNC, QC, or other RMB stablecoins, and use the platform's 'Blue Shield Merchant' compliance channel. Although the exchange rate is lower by 1%-2%, it can avoid card freezes, and this cost is not worth saving.

  2. Never 'test the card'
    Many people like to first transfer 1 yuan to 'test if it can be received' — this is a typical 'virtual currency transaction signal'. The bank system will mark it: 'just tested a small amount, immediately a large deposit, likely a cryptocurrency transaction', leading to immediate card freeze without negotiation.

Finally, remember a mantra, do it as follows when withdrawing:

Keep the wallet idle for three days, use the daily card;
Split small amounts for transfer, don’t rush the receipt;
Avoid USDT, Blue Shield is safer;
Notes must be clean, unrelated to card freezing.


The core of withdrawing money is not 'fast', but 'stable'. It’s better to spend an extra 3 days and pay a little more in fees than to let the money you’ve earned get stuck at the last step. Securely putting it in your pocket is what truly counts as earning.

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