You just need to finish reading this one and the previous one; it's easy for you to figure out the problems: Big traders withdraw money easily, while ordinary people are always stuck when cashing out? Let me share the pitfalls and insights I've encountered over the years.
The bank won't monitor your daily transactions, but if you cross a red line, the system will immediately sound the alarm. For example, if you suddenly receive a transfer of hundreds of thousands with a note saying 'virtual currency', or if you have dozens of transactions of several tens of thousands in a month from different accounts, do you really think no one is checking? You're overthinking it.
Even scarier is 'dirty' money. Some people, in order to make a few extra points, specifically look for merchants that offer quotes 1% or 2% higher than the market. However, that money could very likely be dirty money from scams or gambling. Once the money hits your bank card, the police might come knocking. The lighter consequences could involve freezing your account for six months and requiring various transaction proofs; the heavier ones could lead to charges of 'concealing or disguising criminal proceeds'. Last year, someone helped others transfer a few virtual currencies and made a few thousand in fees, only to end up with a two-year sentence.
Some people think that offline cash transactions are safe? Don’t be naive; you have no idea who the other person is, they could be a robber or someone who could backstab you. Some people also blindly trust 'scoring platforms', thinking they can avoid regulations, but these platforms are illegal themselves. Once they are investigated, all related accounts will be frozen.
So how do you cash out safely? The principle is very simple:
1️⃣ Only transact with people you know and can verify their identity. It's best to deal with friends you know in real life, so the source of the money is clear.
2️⃣ Withdraw in small amounts multiple times and spread it out. Don’t withdraw everything at once; keep each withdrawal under 50,000, and do no more than 10 transactions in a month, using different bank cards in rotation.
3️⃣ Avoid frequent transactions. Don’t withdraw today and deposit tomorrow; this can easily be judged as 'suspicious transactions'. It's best to operate with some interval; once or twice a month is enough.
4️⃣ Get a separate small account card; don’t use your salary card, mortgage card, or other commonly used cards. After withdrawing the money, quickly transfer it to other accounts or into investments and consumption; do not let large amounts of money stay in one account for too long.
To put it bluntly, whether the bank checks your account depends on whether your money is clean and your operations are normal. If the money earned through legitimate channels is clearly recorded and the operations are reasonable, there’s no need to be afraid. What you should be cautious of is having a fluke mentality, trying to take shortcuts, and being greedy for small benefits, which could ultimately lead to your downfall.
Making money in the crypto world isn't easy, and cashing out must be stable. It's okay to be a bit slow; safely securing the profits is what truly matters. Don't let momentary greed ruin all your previous efforts; it's not worth it.#出金
