Making millions from trading cryptocurrencies is difficult, but safely pocketing those millions is even harder. I have seen too many people multiply their holdings by hundreds, yet due to a single operational error during withdrawal, their cards were frozen for half a year, pulling even their family’s accounts into the mess. The pitfalls faced and avoided in these 20 withdrawals, I will break down and discuss today—remember, the core of withdrawal is never about 'speed', but 'stability'; every step must be taken with a 'survival' mindset.
1. Platform Selection: T+1 is the bottom line; withdrawing at night = stepping on a landmine.
Ironclad Rule: Do not touch non-T+1 platforms; stop all operations after dark.
The T+1 model may seem like a limitation on liquidity, but in reality, it helps you block out dirty money. Dirty money exchanges seek 'instant arrival'; the delay mechanism can keep most dirty money at bay. Years ago, I used a small platform with real-time withdrawals; withdrawals were smooth during the day, but once at 2 AM, I urgently needed money and ended up receiving funds involved in a case. The customer service was unreachable, and by morning, my card was frozen; it took 3 months of hassle to unfreeze it.
The hours from 8 PM to 6 AM are a minefield: the bank’s anti-fraud system is most sensitive during this time, and platform and bank customer service are mostly off work. Once issues arise like 'payer information does not match' or 'sensitive words in notes', no one can help you intercept it; you can only watch as the funds arrive and get locked.
2. Merchant Selection: Recognize 'Two Olds', directly blacklist flashy names.
Survival Principle: Only engage with 'Old Brands and Old Transactions', no matter how tempting new faces may be, do not touch.
'How to identify the Two Olds?'
- Old Brands: Check the merchant's registration time, must be over 2 years. New merchants (especially those registered within 3 months) may be fronts for 'score running gangs'. Last year, I encountered a merchant claiming 'instant arrival', who had registered just 3 months ago, and after receiving the money, froze the account with no complaint channel available.
- Old Transactions: Look at cumulative transaction volume, only over ten million counts as passing. High transaction volume indicates the ability to withstand market scrutiny and know how to bypass regulatory red lines.
Red Flags: Merchants with names like 'Coin Circle God of Wealth' or 'Instant Arrival King', just walk away. Legitimate merchants won't rely on eye-catching names; behind them is likely a short-term arbitrage scheme, with a risk rate over 80%.
3. Wallet Handling: 72-hour cooling period, a key step in tracking down broken links.
Operational Details: After withdrawing, do not move funds around, let them 'rest for 3 days'.
After withdrawing from the exchange to a personal wallet (recommended mainstream wallets like imToken, MetaMask), you must leave it untouched for 72 hours. This step is to break the continuity of on-chain transactions—dirty money often flows rapidly on-chain; after your funds undergo 'cold treatment', bank risk control will lower its scrutiny.
(Negative Case: A friend transferred funds on the same day as withdrawal and was detected by the bank for 'high-frequency on-chain transfers', directly triggering an anti-money laundering investigation. Although it was unfrozen later, the funds were locked for 45 days, and I couldn't withdraw a cent when I urgently needed money.)
4. Withdrawal Operations: Split, nurture, and check—one wrong step renders all efforts futile.
1. Amount Splitting: Split 10 million into 'ant-moving'.
Never exceed a single transaction of 500,000; split 10 million into 20 transactions, each spaced 1-2 days apart (at least 24 hours). The bank's monitoring level for 'transactions over 500,000' is 10 times that of regular amounts; splitting reduces the chance of being flagged by 90%.
Disperse platform operations: For example, 10 transactions on Binance, 10 on OKX, to avoid being flagged for high-frequency trading on a single platform.
2. Card Selection: Nurture 'active cards', avoid 'dead cards', daily transaction volume is your protection.
Card selection must be for cards that are frequently used (salary cards or commonly used savings cards are best), keep 500-1000 yuan in the card year-round, bind to WeChat, Alipay, and make at least 3 transactions a week (supermarkets, takeout, taxis are fine). In the 3 days before withdrawal, make 2 additional small transactions of 10-50 yuan to make the transaction volume appear more natural.
Absolutely do not use 'dead cards' that have been idle for more than six months: such cards suddenly receiving large amounts will definitely trigger bank alerts. In 2021, I withdrew using a card that hadn't been touched for years, and I received a call from the bank that same day; after 2 hours of explanation, the account wasn't frozen, but I still feel anxious thinking about it.
3. Arrival Verification: Three checks and one halt; refund immediately if there are any doubts.
- Check the payer: The payer's name on the bank statement must fully match the merchant's name on the platform order (even a single character off is unacceptable). Do not believe the merchant's excuse of 'family member paying'; last year, a student fell for this trick, received a fraudulent fund, and the card has been frozen ever since.
- Check the notes: If the notes contain words like 'goods payment', 'investment', or 'virtual currency', refund even if the money has arrived! It's best to leave the notes empty; if necessary, just write 'living expenses'.
- Check the holding time: Leave the funds untouched for at least 3-5 days after arrival before transferring to the main card (the main card is only for aggregation, not for direct withdrawal). This is to prove that 'the funds are normal income, not suspicious money that quickly comes and goes.'
5. Transaction Channels: Avoid the pitfalls of USDT; Blue Shield is expensive but life-saving.
Pitfall Guide: 90% of frozen cards come from USDT; find a more stable route.
Prioritize compliant channels: Use platforms like CNC, QC for compliant stablecoin transactions; merchants in this category are subject to strict scrutiny, reducing the likelihood of dirty money mixing in by 60% compared to USDT.
For large amounts, always use Blue Shield services: although the exchange rate is 1%-2% lower than regular merchants (spending an extra 100,000-200,000 on tens of millions), Blue Shield has platform backing, and fund source verification is stricter. I have used Blue Shield for all 15 large withdrawals with zero risk.
The dumbest move: don't use 'small amounts to test' (like transferring 1 yuan to check the card). This is equivalent to clearly telling the bank 'I want to carry out large transactions', and the anti-money laundering system will directly flag you as a 'high-risk account'. I've seen someone test with 1 yuan, and the next day try to transfer 500,000 only to be frozen, and they didn’t even have time to cry.
Finally: The core of withdrawal is making funds appear like salary.
Withdrawing tens of millions is not a technical task, it’s a detail task: choose T+1 for platforms, recognize the two olds for merchants, let wallets cool for 3 days, split into smaller amounts, nurture cards through daily use, and avoid USDT for channels. By achieving these six points, you can stabilize the withdrawal of tens of millions.
After withdrawal, do not be high-profile, especially do not flaunt your balance on social media—keeping wealth private is not just an old saying but a strict rule for survival in the crypto world. Protecting this 10 million is more important than earning another 10 million.