Too many people fall into the pit of 'winning the market but losing the withdrawal.' It's not that they can't make money, but they don't understand this 'lifesaving operation.' The following 5 levels hide frozen card minefields, remember them to avoid 90% of the risks:
Level 1: Platform and merchant, choosing wrong will trigger a minefield
Only use major OTC exchanges: Major platforms like Binance and OKX have 10 times stricter fund audits than small platforms, the probability of dirty money coming in is extremely low. Don't be greedy for the '2% higher exchange rate' on small platforms; the risks of running away and freezing cards far outweigh the small price difference;
Trade during the day, avoid late-night transactions: Operating from 9:00 AM to 6:00 PM on weekdays is the safest—during this time, platform customer service and bank risk control are online, and any issues can be communicated in a timely manner. Try to stop after 8 PM; customer service is off duty, and if a card gets frozen, you can only worry.
Level 2: 'Cold treatment' of the wallet, avoiding on-chain monitoring
Don't rush to transfer money after receiving it; first go through a 'three-day cooling-off period':
Transfer to your frequently used wallet (like MetaMask), keep it there for 72 hours without moving—new wallets with large transfers will 100% trigger the bank's 'strange address risk control model';
The wallet address must be an 'old address with transaction history': An address with regular small transfers and interaction records is safer; a completely new address, even if it has a single transfer, may be labeled as a 'high-risk account.'
Level 3: Three iron rules for withdrawing funds, breaking any one is dangerous
Amount splitting should be 'routine': Don't transfer 100,000 in one go; split it into 3-4 transfers over 3 days (for example, 30,000, 30,000, 40,000). The banking system recognizes 'slow and steady,' a single large transfer or concentrated deposit will be flagged as 'funds in motion';
The receiving card must be 'active': Use a card that's commonly used for regular expenses or salary payments (for example, a card with a mortgage deduction or supermarket transaction records). Absolutely do not use a 'new card specifically for receiving currency'—a card that has been idle for a long time suddenly receiving a large amount is as glaring as turning on high beams in the dark;
Warm up the card in advance: In the 3 days before withdrawal, use this card to make a few small purchases: buy 60 yuan of fruit at the supermarket, pay 15 yuan for breakfast, recharge 50 yuan of phone credit... this makes the bank think 'this card is still in regular use,' reducing alertness to subsequent large deposits.
Level 4: Arrival ≠ safety, closing is more critical
Verify the payer's information: Check the details immediately after the funds arrive, the payer's name must match the merchant's real name on the OTC order. Even if one character is off, regardless of whether the other party says 'family member paid' or 'system issue,' immediately return the money and redo the transaction—non-real-name payments have a 90% chance of being linked to crime;
Notes must be 'clean': Ask the merchant to note 'service fee' or 'consultation fee,' or leave it blank. Absolutely avoid keywords like 'USDT, currency, investment'; the banking system monitors these words more closely than a police dog;
Don't move funds after arrival: Let the money sit in the card for at least 48 hours (allowing the bank's risk control window to pass), then slowly transfer it out, with each transfer not exceeding 20,000—large fast transfers equal telling the bank 'there's a problem with this money.'
Level 5: Two deadly minefields, hitting them will cause an explosion
Don't directly sell USDT for withdrawal: Banks focus on monitoring 'USDT exchanges'; it's recommended to first convert to stablecoins like CNC or QC, then withdraw through Blue Shield merchant channels, reducing the chance of being checked by 80%;
1 yuan trial = self-destructing bank card: Don't use 'transferring 1 yuan to test if the card works' as a method; the banking system will directly flag 'this card is a virtual currency trading account,' and subsequent salary payments may be frozen.
Finally, here's a lifesaving mantra for you; memorize it to avoid pitfalls:
'Cold wallet for three days, use commonly used for receiving; small amounts in batches, don't move after arrival;'
Be sensitive and don't leave notes; Blue Shield is more prudent.
The core of withdrawing funds from the cryptocurrency circle is not 'concealment,' but 'making every step look like normal fund movement'—following these 5 levels of operation is the only way to ensure that the money you've earned is truly secure.
