1. Why is it 'safe at the time, but a bombshell a month later'? The 'time difference' in police investigations is key.
Many people are puzzled: if the platform approved the transaction and the bank did not indicate any risks, why is it that after a month or two, the funds are frozen?
The core issue lies in the concealment of the fund's source— the transfer you received may be stolen money that scammers just obtained from the victim. For example:
The scammer uses Victim A's money to buy your coins, and at that moment, A is not yet aware of the scam and hasn't reported it, so the platform and bank cannot trace this transaction; but once A reports it, the police will trace the fund flow backward, and you, as the 'receiving party', become a fund transfer station, naturally being flagged for investigation.
Note: being frozen does not mean you are illegal; it just means the funds' source has been 'contaminated', and the police need to confirm whether you are part of the scam. As long as you can prove you are an unaware ordinary seller, in most cases, you can successfully unlock your account.
2. These 5 operations are most likely to trigger risk control; hurry up and self-check.
Don't think 'trading on a legitimate platform is safe'; many details can instantly make you a key investigation target:
Frequent changes of receiving bank cards (today it's China Merchants Bank, tomorrow it's Agricultural Bank), and frequently logging into trading platforms from unfamiliar IPs like internet cafes or hotels; frequent changes in IP addresses and the location of bank cards will be deemed as 'high-risk operations';
Directly write 'buy coins', 'USDT', 'digital assets' in transaction remarks, which is equivalent to proactively 'reporting' to the bank and police, clearly linking funds to cryptocurrency;
Transfer the money immediately upon receipt, especially to unfamiliar accounts, with no time for the transaction flow to pause, making it look like a typical 'money laundering process';
If the buyer's platform real name is 'Wang Wu', but the actual paying bank card holder is 'Zhao Liu', and the other party explains 'a friend is paying on behalf', the mismatch in the source of funds and real-name information will directly trigger suspicion;
Always making large transactions from 2 AM to 5 AM, this time period is a peak for scams and money laundering, and the bank's risk control system will directly trigger a red alert, marking your account as an 'abnormal account'.
3. Don't panic upon receiving a freezing notice! These 3 steps are 'life-saving keys'.
If you receive a freezing notice from the police or bank, first follow these steps, do not operate chaotically and delay the unlocking:
First, identify the authenticity: the police and legitimate banks will never ask for your bank card password or SMS verification code, let alone ask you to 'transfer a sum to a designated account to prove your innocence.' If the other party says 'add me on WeChat to send materials' or 'share your screen remotely to help you unlock', they are 100% scammers; hang up immediately and then call the official customer service (e.g., ICBC 95588) or police 110 to verify the information;
Do not privately transfer money for 'settlement': even if it is confirmed that you received fraudulent funds, you must follow official procedures. For example, if the police require a refund, the other party must provide a (fund return notice), and the money can only be transferred to the police-designated corporate account. After the transfer, be sure to request a receipt and case closure proof; do not believe 'transferring to my personal account can unlock your funds', this is a scammer's trick;
The more complete the evidence you prepare, the faster the unlocking: organize the platform transaction records (order number, transaction time, buyer information), and the complete chat history with the buyer (especially screenshots where the other party promises 'clean funds'), bank statement details (marking each transaction corresponding to the order), and compile them into a document by timeline. Provide what the police request in a timely manner; active cooperation can shorten the verification time.
4. There will be 4 outcomes after freezing; knowing in advance helps to stay calm.
Don't think 'the money is gone' just because you've been frozen; the actual results fall into four categories:
The best outcome: with complete evidence proving you are an 'unaware ordinary seller', if the verification is clear, your account will be unlocked within 24-72 hours, and subsequent use will not be affected;
The most common outcome: the account is temporarily controlled (only money can be deposited, cannot be withdrawn), and normal operations will resume after the preliminary investigation of the case (usually 1-3 months);
A slightly worse outcome: only the funds involved in the fraud are frozen, while other funds can be used normally; the fraudulent funds can only be unfrozen after the entire case is concluded;
The most troublesome outcome: being placed on the bank's long-term risk control list, transfers will always trigger pop-up audits, and even large transactions will be restricted. In such cases, it is advisable to directly open a new card specifically for OTC transactions, completely separating it from salary cards and mortgage cards.
5. Want to avoid pitfalls? These 6 habits must be cultivated.
Instead of panicking afterward, it is better to take preventive measures in advance. These 6 habits have been tested to reduce the risk of freezing by 90%:
Only use escrow transactions from major platforms, prioritize buyers who have 'completed over 1000 transactions, have a positive rating above 98%, and have been registered with real names for more than 6 months.' Directly refuse newly registered buyers to avoid 'one-time scam accounts';
Only accept money where 'the platform name matches the payer's name'; if the other party says 'company/family/colleague is paying on behalf', cancel the transaction regardless of their explanation; the source of funds and real-name information must match completely;
Break large transactions into smaller ones under 50,000, and try to operate during the day from 9 AM to 5 PM, avoiding sensitive risk control periods like late at night, to reduce the chance of being deemed as 'abnormal transactions';
Have the buyer note 'shopping fee', 'service fee', 'goods payment', etc., as the intended use; absolutely avoid mentioning 'coins', 'chains', 'digital assets', etc., to prevent funds from being directly associated with cryptocurrency;
Open a dedicated bank card for OTC receipts, only for incoming funds (after receiving the funds, keep them in the card until confirming there is no risk before transferring), do not mix it with salary cards, mortgage cards, or daily spending cards; even if frozen, it will not affect normal living funds;
Never help others to receive or transfer cryptocurrency funds, even if relatives or friends request it—once there is a problem with the funds, you will be deemed as part of the 'fund transfer process' and directly become a suspect, which is extremely risky.
Remember: in the cryptocurrency space, compliant operations are fundamental, and evidence retention is the bottom line. Avoid high-risk behaviors in advance, and respond calmly when problems arise to maximize the protection of your funds.
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