If you made 20 million from trading coins, and now you want to sell on the exchange to convert it to RMB

You have searched through countless U merchant ads and finally chose one that looks decent for the transaction

The U merchant transferred to your account via Alipay, WeChat, or bank card, you confirmed the transaction was completed, and 1 million USDT arrived in the U merchant's account.

In this process, the exchange acts as a guarantee, temporarily locking your USDT until the merchant completes the payment, you confirm the information, and the exchange releases the coins. There should not be any issues throughout this process; the only possible problem is...

The 1 million the merchant gave you contains black money!

This is a part of your cash-out process that you cannot escape from, how can you confirm that the merchant's funds are legitimate?

Settlement days? Promise of frozen card compensation? Reputation of established coin merchants?

Which one... tell me is useful?

None of them, countless frozen card cases show us that this frozen card is a low-end 'black swan' event; when the funds will blow up completely depends on when the victim reports it. I have a friend whose frozen card case lasted the longest, and it was frozen two years later!