Direct Transfers to Crypto Exchanges

Banks blacklist known exchanges (#Binance, #Coinbase, etc.).

Transfers to these platforms are blocked automatically.

Suspicious Transaction Patterns

Frequent P2P transfers (multiple small deposits/withdrawals).

Large, unexplained transactions without a clear source.

Keyword Scanning in Transaction Remarks

Banks flag terms like:

"$BTC " "USDT," "Crypto," "Binance," "P$2P."

"$ETH ", "$XRP ","

Solution: Use vague remarks like "Freelance Payment."

Link to Foreign Exchange (FX) & Hawala

Frequent PKR ↔ USD conversions raise red flags.

Transfers to crypto-friendly countries (UAE, Turkey) are monitored.

Tax & FBR Tracking

Large crypto cash-outs trigger FBR scrutiny.

Must prove source of funds or face tax penalties (35%).

Exchange KYC Data Leaks

If you verify ID on Binance/etc., data may be shared with regulators.