Hello everyone, I am Paul from Crypto Quirks. I hope to bring you some knowledge through my articles. If you find it helpful, you can give me a follow.

Currently, making money in the crypto space is relatively easier than in traditional industries, but returning crypto funds to traditional sectors can be very difficult for newcomers. For example, you might have been trading OTC normally a few months ago, but today you are notified of suspected fraud, which can be very alarming and frustrating, leaving you wondering why you are only being informed of suspected fraud now. Today, Paul will explain this to you.

I. How It 'Exploded Late' (Timeline Review)

1. Source Generation

  • Fraudsters/gray market use victims' money to transfer to you (you think they are just ordinary buyers).

  • Or the other party uses 'score running intermediaries/other people's cards/inconsistent public and private accounts' to transfer money to you.

2. Everything seems normal in the short term

  • You receive payment → release USDT; the bank did not intercept, and the platform did not prompt.

  • Because banks and platforms cannot identify in real time whether the funds come from fraud.

3. Post-Trade Retrospective (weeks to months)

  • Victim reports to the police → police retrieves transaction records → bank files a suspicious transaction report and cooperates with the investigation.

  • Funds chain is traced back, finding your account is a transfer node, so the bank/police contacts you for clarification, even temporarily controlling the account.


Key point: You are not 'determined to be a criminal,' but ratherincluded in the capital chain review.Investigations haveretrospective + laggingcharacteristics, which is why it is 'no problem at the time, but later an issue arises.'

II. Why You Are More Likely to Be Named (High-Frequency Trigger Factors)

  • Private collection, multiple people, multiple cards, multiple locations, multiple IPs: Multiple strangers transfer money to you in a short period.

  • Abnormal transaction tags: Remarks include coins, USDT, digital currencies, etc., or frequent large amounts arriving at night.

  • Account role like a 'transit account': Funds come in quickly and leave quickly, and the public/private entities are inconsistent.

  • Lack of consistency: The remitter's name is inconsistent with the platform's real-name authentication and with the chat partner.

III. How to Protect Yourself

  • Real police/banks will not ask you to transfer money or request verification codes/online banking passwords.

  • They will provide a formal document number/unit. You can hang up and call the public security/bank's official public phone number to verify.

  • If the other party requests 'private chat, remote screen sharing,' be highly alert.

  • Do not privately transfer money to unfamiliar accounts. If you need to return involved funds, it should go through police or court designated accounts/processes, and request a formal receipt or case closure/cancellation proof.

  • You have the right to request the other party to provide formal documents or a written explanation from the police; avoid 'informal mediation transfers' that lead to secondary risks.

  • If your account is temporarily controlled, follow the bank/police procedures; preserving evidence + cooperating with the investigation is usually the quickest solution.

IV. Possible Subsequent Results

  1. Release after information verification: Sufficient materials, clear transactions, quickly dispelling doubts.

  2. Temporary account control: Restricting deposits and withdrawals, ATM cash withdrawals, pending investigation results.

  3. Temporary stop payment/freezing of involved amounts: Part of the amount related to the case is frozen, pending case progress.

  4. Listed in risk control observation: Transactions are more likely to be randomly checked in the near future, must operate in a standardized manner.

Different regions have different processes and durations, butSufficient materials + professional communicationWill significantly improve efficiency.


V. How to Reduce the Probability of Being Traced in the Future

1. Pre-Trade Checklist

  • Only use mainstream platform official P2P/escrow, check the buyer's completed order volume, review rate, and real-name status.

  • Only accept same-name accounts: Buyer's platform real name must match the remitting account name; refuse 'third-party payments/company payments/agent payments.'

  • If the amount is large, split the order + staggered timing, preferably complete during work hours (not late at night).

  • Inform the other party in advance: Do not use sensitive terms in remarks (if your bank's terms prohibit virtual currency transactions, you must comply with the bank's rules; if allowed, it is also recommended to maintain neutral remarks, such as 'order number').

2. During the Trade

  • Confirm the name matches after receiving fiat currency before releasing the coins; do not release if the names do not match.

  • If the other party insists on third-party payment, cancel the transaction.

  • Keep platform chats + payment proof, fill in the comparison table in a timely manner (large amounts must be done).

3. Account and Tool Isolation

  • Dedicated collection account: A dedicated bank card only for OTC collections, avoiding mixing with personal/company accounts.

  • Device and IP consistency: Fixed devices and network environments, reducing remote/multiple IP logins.

  • Do not act as a 'humanitarian transit account'; do not help others 'collect and then transfer to them.'