The most panicky moment for people in the cryptocurrency circle is when they just transferred money into their bank card after withdrawing from OTC, and before they can breathe a sigh of relief, they receive a freezing notification from the bank - clearly they checked the other party’s qualifications during the transaction, and the process was compliant, how could there suddenly be a 'blow-up' after half a month or even a few months?


I have been in the circle for 8 years and have seen many people fall due to the 'funding chain'. In fact, being frozen is not scary; the key is to understand 'why it was frozen', 'how to respond', and 'how to avoid it in advance'. This article breaks down the core details to help you avoid detours.

1. Why was it 'safe at the time, but exploded the next month'? Don’t panic; you may just be 'collateral damage'.

Many people wonder: 'I confirmed that the other party was an individual seller during the transaction, and I also saw the platform certification, how could I still get involved?'


The problem lies in the concealment of the funding chain. The money you received may have just been transferred from a fraud victim a few hours ago - after the scammer succeeds, they will quickly launder the money through 'running points' and 'multi-layer transfers', and the money you received during the OTC transaction may be the 'tail of stolen funds' that has gone through multiple hands.
After the victim reports to the police, they will conduct a 'penetrating investigation' along the flow of funds; as long as your card has received this money, it will be temporarily marked as a 'verification object'. However, being frozen does not equal illegal; as long as you can prove 'you were unaware, the transaction was compliant, and you did not participate in fraud/money laundering', in over 90% of cases, you can unfreeze it.

2. These 5 types of operations are most likely to trigger risk control, don’t step on them!

The monitoring of 'involved cryptocurrency funds' by banks and police is becoming increasingly strict; the following 5 details may seem trivial, but they can directly cause your card to be targeted:


  • Frequent card changes / logging in from different locations: receiving money today with an Industrial and Commercial Bank card, changing to a Construction Bank card tomorrow, or even logging into the OTC account from different cities, the system will determine that 'the source of funds is suspicious', triggering the bank’s risk control directly;

  • Transaction notes saying 'buying currency' 'USDT': Adding these kinds of words as notes during OTC transfers is equivalent to 'self-reporting identity', and the bank's anti-money laundering system will automatically mark it as a 'high-risk transaction';

  • Transfer money immediately upon receipt: transferring funds to investments or loan repayments right after receiving them, or even splitting into multiple transfers to others, will make the flow appear like a 'fast in and out' money laundering model, easily making it a focus for police inspection;

  • The real name does not match the payer: for example, you received money with your own card, but the seller's real name on the OTC order does not match the payer's name (for example, the other party used a family member's card to pay), which will be regarded as 'proxy collection', suspected of fund mixing;

  • Making large transactions between 2-5 AM: This period is already a high incidence period for fraud and money laundering. If you receive a large amount of currency at this time, the misjudgment rate of the system will soar.

3. Received a freezing notification? Do these 3 things first, don’t get caught by 'fake notifications'.

Once you receive a bank freezing text message (or a call from the police), stay calm - 90% of the panic is because 'the process is not understood'. Follow these 3 steps to avoid mistakes:


  1. First, distinguish between true and false: The bank/police will never ask you to transfer money or input your password.
    A real notification will only tell you that 'your account has been frozen due to involvement in a case' and provide the contact information of the investigation unit; if the other party asks you to 'transfer money to a safe account to unfreeze' or 'provide your bank card password/verification code', it is 100% a scam. Hang up the phone and report it to the police.

  2. Follow the official process: Refunds must be public to public, and you must keep proof.
    If the police confirm that you received stolen funds and need to refund money,you must transfer it back through a 'public to public account' to the account designated by the investigation unit.(For example, the special fund account of the public security bureau), do not transfer privately to the 'reporter'. After the transfer, you must request a (receipt of payment) and (case closure proof), which are key evidence for subsequent unfreezing.

  3. Organize evidence: sort by time, the more complete the easier to unfreeze.
    When the police verify, they will ask you to prove that 'the transaction is compliant and you were unaware', so you need to prepare these materials in advance:

    • OTC transaction records (platform screenshots, including order numbers, buyer and seller information, transaction time);

    • Chat records (communication records with the seller to prove you are a normal buyer and did not participate in other transactions);

    • Bank statements (label each payment corresponding to the OTC order to prove the purpose of funds);

    • Personal identity materials (ID card, front and back of bank card, to prove the card is in your name).

4. There will be 4 results after freezing; know in advance.

Different situations of freezing have different handling results and times, don’t guess blindly:


  • Best case scenario: Complete evidence, the police confirm you are not at fault, and unfreeze within 24-72 hours (some banks support online submission of materials, so there’s no need to go to the police station);

  • The most common situation: temporary control of the account (non-involved funds), automatically restored within 1-3 months (the police will issue a letter to the bank for unfreezing after clarifying);

  • Slightly worse situation: The funds involved in fraud are frozen, but other balances can be used normally (for example, you received 100,000, of which 20,000 is stolen money, only 20,000 is frozen);

  • The most troublesome situation: being listed on the bank's long-term risk control list (multiple times receiving suspicious funds), it is recommended to apply for a new card directly (using an ID not involved in cryptocurrency), specifically for OTC receipts.

Five or six habits can reduce freezing risks by 90%, preparing in advance is more effective than rescue afterward.

Prevention is always simpler than remedy; developing these 6 habits can significantly reduce the likelihood of being frozen:


  1. Only use top platforms, choose 'old users + high certification' sellers: Top platforms (such as Binance, OKX) have stricter seller reviews, prioritize selecting sellers who are 'certified for over 1 year, have completed over 1000 transactions, and have a good rating of over 95%', avoiding 'new accounts or low certification' accounts;

  2. The real name of the receiving card must match yours: Confirm the 'real name of the seller's payment account' matches your real name on the platform completely during the transaction; do not accept money paid by 'others';

  3. Splitting large amounts into small orders, operating during the day: Do not exceed 50,000 for a single transaction, split into multiple transactions between 9:00-18:00 (avoid early morning and late night), to reduce the probability of abnormal flow;

  4. Change the wording of the notes: Write 'shopping payment', 'goods payment', 'friend repayment' in the transfer notes, avoid using words like 'currency', 'USDT', 'digital assets';

  5. Open an 'OTC dedicated card', only for receipts: Open a separate bank card specifically for OTC receipts, after receiving money, keep it first (do not transfer immediately), wait for 1-2 weeks to confirm safety before transferring a small amount out (each transfer within 20%);

  6. Don’t help others to collect or transfer: Even if a friend asks you to 'help collect some currency payment', do not agree - once the other party's money has a problem, your card will be frozen as well, and the risk is completely uncontrollable.


Final reminder: In the cryptocurrency circle, 'stability' is more important than 'speed'. As long as you avoid the above pitfalls and prepare evidence in advance, you don’t have to panic even if you encounter freezing - cooperate with the inspection according to the process, and in most cases, you can successfully unfreeze. Remember: compliant operations + risk awareness is the premise for long-term profit.#出金指南 #加密市场回调 $ETH