I. Core steps: from currency → wallet → bank card full process.
1. Step one: Choose the right platform + merchant, avoid 80% of risks.
• Platforms only focus on the top: only use major exchanges like Binance, OKEx, etc. Merchants are reviewed by the platform, and funds arrive quickly. Even if small exchanges/unscrupulous platforms are cheaper, don't touch them—high probability of merchants running away, dirty money, and you won't be able to find anyone after the money is gone.
2. Step two: Withdrawal iron rule: small amounts + lifestyle card + pre-activate the card.
① Split the amount, don't withdraw the whole sum.
Example: 100,000 → split into 3 transactions (50,000 + 30,000 + 20,000, withdraw the next day); 1,000,000 → split into 8 times (each interval 2-3 days). The bank only recognizes 'small amounts + multiple transactions + reasonable intervals' in the flow; large single withdrawals = directly trigger a red alert.
② Only use 'lifestyle card' for payments.
'Lifestyle card' = the card you use every day (for ordering takeout, paying utilities, repaying mortgage). The card must have transaction flow (don't leave it empty), and have daily spending records—banks are more likely to think 'this is a normal person's card' and allow it to pass.
③ Pre-activate the card 1 day in advance.
Want to receive 50,000? The day before, make a few small transactions: breakfast 18 yuan, milk tea 25 yuan, utility payment 50 yuan… Let the bank system see 'this card is active recently, receiving some large amounts is reasonable.'
4. Step four: After the funds arrive, don't move them around, hold steady for the last 10 meters.
① Verify the payer's name: must match exactly with what is written in the order! If not, immediately ask the merchant to cancel the order and retry—wrong recipient (dirty money) = must freeze the card.
② Absolutely cannot include terms like 'USDT, digital currency, investment' in the notes.
③ After the funds arrive, don't move the money for 48 hours: transfer out in batches on the third day, each ≤20,000. The bank will observe the purpose of the funds for 2 days; large operations during this period = trigger risk control.
II. Two major fatal pitfalls: encountering a basic frozen card.
• Pitfall 1: Don't sell USDT directly.
USDT is a key monitoring target for banks! A prudent approach: first convert to CNC (compliant stablecoin), or use the exchange 'Blue Shield Merchant' 'compliant channel'.
• Pitfall 2: Never 'test transfer'.
Don't try to confirm 'whether the card can receive money' by first transferring 1 yuan—this is a typical signal for banks to judge 'virtual currency transactions'! Trying once may directly waste the card. Following the process, hundreds of thousands or millions can be successfully withdrawn. If you haven't managed to withdraw money in three months, what are you waiting for? #山寨季來了？
