In simple terms, 99% of all frozen card issues are because you received 'dirty money', which is involved funds. The bank's risk control freeze (such as a three-day trading limit) is just the system detecting anomalies and does not actually involve judicial cases. But if it's dirty money, the problem becomes serious.
How does dirty money come about?
Imagine this: someone transfers money to you, then reports it to the police. After the police file a case, this originally 'normal' money becomes involved funds, and your card will be 'precisely locked'.
Many people have their cards frozen after receiving money only after a period of time, which is because the victim reported it, and the police intervened, causing your card to be marked.
The relationship between dirty money and on-site currency merchants.
In the OTC market of the cryptocurrency circle, there are hardly any completely clean funds; it just depends on who filters more carefully, with lower risk.
Why? Because the economic environment has been poor in the past two years, many people are involved in the black and gray industries, and the most direct way to cash out dirty money is through USDT liquidity. Ordinary on-site currency merchants make a profit of 3%, but the profit from money laundering can reach 30 times, so many people flock to it.
You need to understand that your goal is not to receive 'clean funds', but to absolutely avoid receiving 'dirty money'. As long as you receive dirty money, the authorities will come knocking, and you may end up on a blacklist, or even face more serious consequences.
How to reduce the risk of frozen cards?
Choose large merchants.
Find merchants with trading volumes in the tens of thousands and a success rate of over 90%. Although the prices are low, they are relatively safe.
Never be greedy for cheap prices; those far above the market price are basically problematic.
Real-name receipt, refuse secondary transfers.
You must ensure the merchant uses a real-name account to transfer funds. If the other party says the card has a limit, ask them to use another card, and refuse directly.
90% of dirty money comes from secondary transfers; do not create trouble for yourself.
Only use top-tier exchanges for withdrawals.
Only Binance and OKX (formerly known as OKCoin) can be considered; ignore the others.
Many small platforms are actually operated by gambling websites, and the funds inside are basically gambling funds, so dark that receiving them is equivalent to asking for trouble.
Don't touch high-priced USDT or arbitrage transactions.
Any USDT transactions at prices far above the market price are 100% problematic. Don't think you're smart; in the end, you will be the one who suffers.
The judge can determine that you **'subjectively knew'**. Saying you didn't know is useless; you could still be sentenced.
What to do after receiving the money?
Use it normally, don't mess around!
If the funds are fine, use them however you like. If there really is a problem, no matter how you transfer, the result won't change.
Final advice: The cryptocurrency space is very deep; do not harbor illusions. Making money is important, but safety is more important!