You made a big profit trading cryptocurrencies, earning a whopping 10 million, and you happily thought about quickly exchanging these virtual currencies for real RMB.

So you started looking for U merchants who could help you exchange USDT for RMB. After searching around, you finally found one that seemed quite reliable.

You agreed that you would transfer USDT to the exchange as collateral, and once the U merchant deposited the money into your account, you would confirm the transaction, and the exchange would release the coins to the U merchant. This sounds quite safe, right? But actually, there is a big problem here - you have no way of knowing if the money the U merchant gives you is clean or not!

You might think about checking the funds' holding period or asking the U merchant to promise to freeze the card and compensate you, or even finding an established coin dealer, which should be more reliable, right? But unfortunately, none of these will help! Because freezing the card is like a ticking time bomb; when it explodes depends entirely on when the victim goes to report the case.

The fundamental reason for card freezing is that you don't know where the money the U merchant gives you comes from and if it's clean. Even if there are no issues this time, a few months later, a previous transaction could lead to funds being frozen due to involvement in a case. Not to mention that the U merchant's own bank card might be targeted by bank big data risk control due to frequent deposits and withdrawals, and any cards that have transactions with the U merchant might also end up in trouble.

If the inflow and outflow of funds from domestic bank cards are too frequent, inconsistent with previous trading habits, or if there are rapid deposits and withdrawals with no retention time, it might trigger the bank's risk control and directly freeze your account.

The thing is, it's simple to say, big data is just too powerful. Those who gamble online often use USDT for deposits and withdrawals, trading frequently on exchanges, and as a result, their bank cards get linked with those on the anti-fraud blacklist, being monitored by big data. Moreover, most coin dealers' bank cards are also high-risk accounts; dealing with them frequently might also label your bank card as fraudulent by big data. Making money is good, but you need to be careful when exchanging for RMB!

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