In the digital asset market, many people can make significant profits, but when it comes time to convert assets into real money, they continuously face risks: accounts being frozen, transactions being flagged, and even legal complications. It's not because banks are anti-crypto, but because the majority of users do not understand how banks operate and the anti-money laundering system.

Here are the 5 biggest risk groups, just one mistake can cause the entire achievement to 'evaporate'.

1. Does the bank “scrutinize” crypto transactions? Yes — but only at the level of supervision, not investigation

What needs to be understood clearly:

  • The bank is concerned about money related to fraud – money laundering, not money earned from legal digital assets.

  • Large but reasonable money transfer transactions, with justifiable sources will not be considered violations.

  • However: too frequent transfers, high continuous money transfers over many days easily trigger alerts.

For example:

  • Transfer 300–400 million/time but several days apart → normal.

  • Transfer 10–20 million/time but 10 times/day, lasting 1 week → the system alerts immediately.

Safety principles:
➡️ Large transfers can be made, but absolutely do not transfer too continuously. The system needs time to "cool down".

2. The three most dangerous withdrawal channels: Stay away 100% if you don’t want to lose everything

This is a forbidden zone, not a gentle recommendation. Everyone has heard the story:

  • Account blocked for 3–6 months

  • Money partially or wholly seized

  • Under investigation for involvement in illicit funds

Types of channels that should never be used:

❌ 1. Money exchange transactions with unknown individuals (OTC black market)

Very high risk because the source of partner's funds cannot be controlled.

❌ 2. The intermediary has no license (self-created “service” exchanges)

Many entities mix clean money – dirty money → the recipient becomes a “money laundering substitute” without knowing.

❌ 3. Direct cash transactions

Very easy to get involved with illicit funds; if cash is related to crime, the recipient is still held responsible.

Potential consequences:

  • Freeze account

  • Submit explanations multiple times

  • Lose 30–100% of the money

  • Even being implicated in the crime of “concealing the origin of criminal assets” (penalty of 3 years or more)

➡️ Conclusion: Only use official channels, licensed and transparent.

3. Don’t try to raise the selling price higher than the market: easily viewed as “legalizing dirty assets”

Many people sell USDT or coins and arbitrarily raise the price by 3–5% compared to the market price to earn a little profit.

But this action makes the transaction appear unusual in the eyes of authorities.
They have reasons to suspect:

  • “Why is the price unusually high?”

  • “Are they helping someone to separate - exchange - legalize the source of funds?”

➡️ Golden rule:
Transaction prices must not exceed +/- 3% compared to the market price at the time of payment.

4. Transactions with acquaintances must also follow the rules – no exceptions

Many risks arise not from strangers, but from acquaintances themselves:

  • Transfer coins first → partner does not transfer money

  • Receive money from an account “under investigation”

  • Get dragged into financial disputes

Safety principles when dealing with acquaintances:

  • Money must go into the account first, clean money and has been stable for at least 3 days.

  • Do not accept money from accounts with a “chaotic” transaction history.

  • Do not transact if the sender shows signs:

    • Receive – transfer money continuously

    • Transact with many strange accounts

    • Cannot explain the source of funds

➡️ Feelings are feelings, money is money — must be clearly separated.

5. The safest way to withdraw money: divide small – withdraw slowly – regularly

A common mistake is withdrawing too quickly, too large:

  • Withdraw 10 billion at once → high risk of being “frozen for temporary inspection”

  • Withdraw 20–30 million daily → less risk, safe and sustainable

Common ways to do it:

  • Withdraw 20–30 million daily through reputable channels

  • Divide into 2–3 months

  • Use 1–2 main bank accounts, do not rotate too many

➡️ The goal is not to withdraw quickly, but to withdraw safely.

Conclusion: Making money is one thing — preserving it is the real skill.

Banks and authorities do not oppose crypto, they only oppose:

  • Fraud

  • Asset appropriation

  • Money laundering

  • Funds of unclear origin

Just need to:

  • Use legal withdrawal channels

  • Do not transact with strangers or unlicensed entities

  • Do not transfer money with unusual frequency

  • Transaction prices are standard

  • Have a withdrawal plan early

… then the withdrawal process will be safe, smooth and without legal risks.