Brothers, who understands the feeling of being woken up by a bank SMS at three in the morning? 'Your account has been temporarily controlled due to fraud risk'. Just a while ago, selling USDT was going smoothly, how suddenly did it get linked to 'fraud'? In the past six months, I've helped fans handle more than 20 frozen card appeals, and today I'll break this layer of 'delayed fraud' and teach you how to keep risks under your feet.


Don't believe the nonsense that 'money arriving means it's safe'; dirty money has a 'latency period'.
Last week, a fan was in a panic: three months ago, he sold 50,000 USDT on the platform, and at that time, the buyer's payment arrived instantly, and the platform didn't indicate any abnormalities. Why did the police come looking for him now? The problem actually lies in the 'time difference in fund tracing'. What you received might be funds paid using the victim's money by a scam gang. At that time, the bank and the platform couldn’t verify the funds 'in real time'; by the time the victim reported it to the police and they traced it back through the transaction flow, the trade from months ago became a 'missed target'.


What's worse are those who 'pay on behalf of others'. Some fans encountered buyers who said they would 'use their wife's card' to make the payment, thinking the amount wasn't large and released the coins. In the end, that card was a 'black card' from a money laundering intermediary. Now the police are investigating the funds, and it doesn't matter whether you did it intentionally; as long as the account is involved with dirty money, it will be frozen first. But remember: a frozen card doesn't mean you're guilty; it's just a verification process, and panicking can easily lead to mistakes.


These five actions are equivalent to actively submitting a 'key verification list' to the police.
Not all OTC transactions are high-risk. I've sorted out the pitfalls fans have encountered; these types of behaviors are likely to be monitored:
Those who frequently change bank cards need to be cautious. One fan changed three cards for receiving payments in half a month, claiming it was to 'diversify risk', but each card became a point of suspicion. When the bank system sees 'frequent changes in receiving accounts', it directly categorizes it as a 'suspicious transaction'; receiving large sums late at night is even worse. Who else would the system flag if not you for receiving 200,000 at 1 AM?
There are also those who use their accounts as a 'transit station'. As soon as the money arrives, they immediately transfer it for investment or pay off credit cards, even mixing it with company funds. Last time, a fan who did small business sent out salaries to employees right after receiving money from selling USDT, and as a result, when the police investigated, even the employees' accounts were temporarily checked, purely self-inflicted trouble.
The dumbest thing is 'not matching the names and still releasing the coins'. The buyer's platform real name is 'Zhang San', and the one making the payment is 'Li Si'. You believe them when they say 'a friend is paying'? I've seen the most ridiculous cases where the buyer used a company account to pay, claiming 'the company is theirs', but that company had already been listed in the fraud list. In the end, the fan's account was frozen for six months before it was released.


If you really receive a fraud notification, following these three steps is ten times more effective than panicking.
Don't rush to transfer money to the 'notifier'. Last week, a fan was asked for a 'deposit' by someone claiming to be from 'economic investigation', almost transferring 50,000. Luckily, I told him to first check the document number given by the other party: legitimate police will only show you the stamped 'assistance investigation notice'; those asking for verification codes or private transfers are all scammers.
If your account is frozen, don't resist. Some fans think, 'I haven't committed a crime, why freeze me?' and argued with the bank for a long time, which only delayed the processing time. The correct approach is: organize the platform order records, chat records with the buyer (especially the conversations confirming the payee), and bank transfer screenshots, and submit them as required by the police. The more cooperative you are, the faster the verification will be. I had a fan with complete materials, and his freeze was lifted in three days.


If you've really gotten involved with the funds in question, don't return the money privately. Previously, some fans were afraid of trouble and directly transferred money to the 'victim', but ended up with no receipt, the police haven't closed the case, and the money was returned to the account but frozen. Remember: if you want to return it, it must go through the police-designated account, and you must get a (case closure certificate); otherwise, it's all for nothing.
To avoid this pitfall, my 'Three Isolations and One Verification' method has been personally tested and works.
Fans who haven't had their cards frozen in the past six months have thoroughly understood these points:
Before the transaction, 'screen buyers': Don’t use small platforms for private transactions, only use the custody functions of major exchanges. Check the buyer's 'historical order volume'; if it's below 50 orders, be cautious; if the positive feedback rate is below 95%, don't engage; most importantly, ask them to provide a real-name screenshot from the platform, and if the name on the remittance account doesn’t match, don’t accept it no matter how high the premium is.


My own OTC bank card is a specially issued 'dedicated card' that I never deposit salary into, nor do I use it to pay bills; it only receives USDT payments. Even if it gets frozen, it won't affect my living expenses. You should do the same; don't use your regular card for convenience; isolating it is safer.
When trading, 'keep one hand in reserve': take a screenshot of the payment immediately after receiving the money, highlighting the payer's name and verifying it against the buyer's real name; if there’s a discrepancy, contact the platform's customer service immediately. Don’t delete chat records; I usually save them in the cloud, so I can retrieve them anytime if verification is needed.
To be honest: the OTC market in the crypto world isn't that full of 'accidents'; most are due to not taking 'regulations' seriously. If you really encounter a frozen card, don't panic; just cooperate according to the process.
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