Making money is just the first step; safely withdrawing the money is the real skill. A large withdrawal (around 1 million) can lead to card freezing or investigation if mishandled. This method helps you avoid 99% of the risks and truly secure your gains.
1. Three core principles to know before withdrawal
Compliance is the bottom line
Although not explicitly prohibited in the country, the attitude is 'risk prevention'. Ensure your funds come from legal transactions (not from fraud or money laundering) and do not involve illegal operations like leveraged liquidation. This is the premise for all operations.Diversification is the key
Avoid making large withdrawals in a single transaction! Split 1 million into 5-10 transactions, each 100,000 to 200,000, with intervals of 7-15 days, and use 2-3 different real-name accounts for receiving.Record-keeping is a safeguard
Keep all transaction records throughout: platform orders, transfer screenshots, and bank statements. These are your strongest evidence if questioned by the bank.
2. Five steps for safe withdrawal operation
Step 1: Platform selection and self-check (basic concern)
Choose a platform: only select large platforms with overseas compliance licenses (e.g., Binance, Coinbase), and avoid small platforms without licenses and with a history of card freezing.
Check accounts: Enable Google two-factor authentication (2FA), ensure it is linked to your real-name bank card/Alipay, and confirm there are no unusual login records.
Step 2: Choose P2P transactions (operational concern)
Select merchants: In the platform's fiat currency area, choose 'certified merchants', checking three points: transaction volume > 1000, positive feedback rate > 98%, and support for large bank transfers.
Batch withdrawals: Split 1 million into multiple transactions (e.g., 10 transactions of 100,000), using 2-3 different bank cards for receipt (preferably use major banks with looser risk controls like Industrial, Construction, or Agricultural Bank).
Write notes: When transferring, note 'salary' or 'payment' as reasonable uses, and absolutely avoid sensitive terms like 'Bitcoin' or 'USDT'.
Step 3: Responding to bank risk control (core concern)
Communicate in advance: If a single amount exceeds 200,000, call the bank customer service 1-2 days in advance to report 'a recent personal legal investment income will be credited'.
Post-arrival handling: Once the money is in the card, do not transfer it out immediately! Retain it for at least 1-3 days and prepare transaction records for verification.
Cooperate with inquiries: If the bank calls, be friendly and explain it as 'digital asset investment income', and provide proof as required; do not fabricate false sources of funds.
Step 4: Planning after funds are credited (implementation concern)
Once the money is safe, beware of 'working hard to withdraw, but carelessly losing it all.' It is recommended to configure according to the '4321 rule':
40% stable financial management: large time deposits, government bonds (annualized 2.5%-3%), as a safety cushion.
30% value-added investment: index funds (CSI 300), quality blue-chip stocks, held long-term.
20% flexible cash: placed in money market funds like Yu'ebao for emergencies.
10% risk investment: If you still want to play with cryptocurrencies, only invest up to 100,000 in BTC/ETH, avoiding altcoins.
Step 5: Long-term record retention (compliance concern)
Keep all withdrawal records for at least 3 years for potential future tax audits.
Three absolute taboos (must-read!)
Absolutely do not trade privately: Any off-platform contact or WeChat transfers are scams, and you will lose money 100%!
Absolutely do not withdraw in one go: 1 million at once will freeze your card!
Absolutely do not lie to the bank: claiming it's 'house sale proceeds' and so on can have more severe consequences if exposed!
In conclusion, one last sentence:
There is no shortcut to safe withdrawals; it’s not about who is faster, but who is more stable. Strictly follow the principles of 'diversification, compliance, and record-keeping', and be patient to secure your million gains.
