In the crypto world, what's most frustrating is not losing money, but having the hard-earned money stuck in the bank. Many people fall into this trap, not because they can't make money, but because they overlook the crucial details of withdrawing safely.

If you can navigate these 5 checkpoints, you can avoid 90% of the risk of having your card frozen.

① Choose the right platform and merchant - the first step is to avoid pitfalls.

Only use major platforms OTC: Use top exchanges like Binance and OKX, where merchant reviews are strict and the chance of dirty money mixing in is low. Don't chase a 2% better rate on smaller platforms; that little saving won't outweigh the risks of running away or freezing your card.

Try to trade during the day: 9:00-18:00 is a safe timeframe when customer service and bank risk controls are available. After 8 PM, if something goes wrong, there's no one to help you, and you'll just have to wait.

② Let the wallet 'calm down' first; don't rush to move it.

72 hours of cold treatment: After the coins arrive in the wallet, leave them untouched for three days to reduce the bank's alertness to 'large transfers from unfamiliar addresses.'

Use an old wallet with transaction records: Addresses with regular small transfer records are safer; brand new wallets, even used once, can be flagged.

③ Three iron rules for withdrawing funds - stability is more important than speed.

Withdraw in batches: Don't withdraw 100,000 in one go; split it into 3-4 transactions over a few days to make it look like normal fund flow.

Use commonly used cards for receiving payments: It's best to use your salary card or daily spending card, avoid using a newly opened empty card, as large sudden transactions are easy to scrutinize.

Warm up in advance: Use this card for a few small transactions three days before withdrawing funds, so the bank thinks the card is in normal use.

④ Receiving funds does not equal safety

Verify the payer: The name must match the OTC merchant's real name exactly; even a single character off requires a refund and start over.

Keep notes clean: Either leave it blank or write 'service fee'; never include sensitive words like 'USDT' or 'investment.'

Wait 48 hours before moving funds: After the risk control window period, transfer in batches, each not exceeding 20,000.

⑤ Two deadly pitfalls - absolutely avoid them

Don't sell USDT directly: It's recommended to first convert it to CNC or QC before withdrawing, using legitimate channels like Blue Shield can reduce risks.

Don't 'test the waters' with 1 yuan: The bank will immediately mark the card as related to virtual currencies, and subsequent salary payments could face problems.

💡 Lifesaving tips

> Keep the wallet cold for three days; use regular cards for receiving payments;

> Withdraw small amounts slowly, and don't spend the funds as soon as they arrive;

> Notes should be clean, and use legitimate channels.

Making money isn't hard; the challenge is safely pocketing it. Every step you take must make it look like normal fund movement; that's the true survival wisdom in the crypto world.

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