Just after transferring profits from the crypto world back to the bank card, the 'arrival successful' notification hasn't disappeared when the bank's freezing notice pops up—this kind of terrible experience is not uncommon in the OTC trading circle. Many people clearly followed the rules when trading, yet inexplicably had their cards frozen months later, with the issues hidden in easily overlooked details. The risk avoidance points summarized from 8 years of practical experience are as follows:

I. The core reason for 'monthly explosions'

The concealment of the capital flow is key. The transfer you receive may indirectly relate to the victim's defrauded funds. Once the victim reports to the police, they will trace the money flow, and you may be listed as a subject for investigation. However, freezing does not equal illegal activity; as long as you can prove that you were unaware of the transaction, most cases can be successfully unblocked.

II. 5 types of high-risk operations to avoid

  • Frequently changing the receiving card or logging into accounts from different locations;

  • Directly writing sensitive words like 'buy coins', 'USDT', etc. in the transaction remarks;

  • Immediately transfer the full amount out after the funds arrive, with a cash flow pattern of 'quick in and out';

  • The receiving account name does not match the payer's information;

  • Conducting large OTC transactions between 2-5 AM.

III. Handling frozen cards and risk prevention

Upon receiving a freezing notice, first distinguish its authenticity (banks and police will never ask for passwords or 'unfreeze' transfers), then refund through a public-to-public account and keep the proof. Organize transaction records, chat records, and other evidence chronologically. Develop 6 daily habits: only use established platforms with long-time users, ensure real-name consistency for receiving payments, conduct large split orders during the day, use neutral terms like 'shopping funds' in remarks, use dedicated cards for 'in only', and refuse collection and transfer services to reduce risks from the source.