Making money in the crypto world is not easy, but what's scarier is that—having made money but getting your card frozen due to withdrawals, or even being invited by the authorities for a chat!
This article will thoroughly explain: Why cards get frozen? How to withdraw safely? And how to avoid becoming a 'bystander' for dirty money!
1. Why will your withdrawal get your card frozen?
The only reason for a frozen card: you received 'involved funds' (dirty money)!
Banking Risk Control ≠ Frozen Card
Banking Risk Control (e.g., frequent transactions, large transfers) generally automatically unfreezes after 3 days, not a big issue.
A true frozen card is a judicial freeze, meaning the money you received is related to illegal funds such as fraud, money laundering, gambling, etc.
Where does dirty money come from?
Victims report to the police: For example, if a scammer buys your U with dirty money, and the victim reports to the police, this money changes from 'clean funds' to 'involved funds'.
Fund chain tracing: Even if the money you receive is initially clean, if the upstream funds have issues, your card may also be frozen.
Key conclusion:
You cannot avoid dirty money 100%, but you can reduce the risk!
The goal is not to receive 'absolutely clean money', but to avoid receiving 'first-hand dirty money'!
2. Funding channels of currency dealers (uncovering the dark side)
Reality is harsh: there are no 100% clean funds in the market!
1. Why might the money from currency dealers be problematic?
The black and gray industry prefers USDT for money laundering: fraud, Ponzi schemes, and other illegal funds ultimately have to be converted through USDT.
Exchange accounts are resold: platforms like Xianyu, TG buy a lot of real-name accounts specifically for money laundering.
Currency dealers have high profits, but risk control costs are even higher:
Normal currency dealer profit is 3% (e.g., earning 0.03 yuan for 1U).
Dirty money dealers can earn 3 yuan from 1U (30 times profit!), so they are willing to take risks.
2. How do currency dealers 'filter' funds?
Multi-layer transfers: Dirty money goes through multiple 'cleaning' processes to reduce direct involvement risk.
Real-name matching: Try to make the payer's and payee's information consistent to reduce the probability of being investigated.
Small amount dispersion: Large amounts of dirty money are easy to be targeted, so some currency dealers will split them into multiple small transfers.
But! Even if the currency dealer has 'filtered' it, there is still no guarantee of 100% safety because:
Victims may report to the police afterwards (fund chain tracing).
Some currency dealers are themselves money laundering gangs (using short-term accounts, running away after 3 months).
3. How to select safe currency dealers? (Core of anti-freeze)
Your goal: Do not receive 'first-hand dirty money'!
1. Only choose large exchanges (Binance/OKEx)
Small platforms = high risk: Many withdrawal platforms are run by gambling (Ponzi) sites; all the merchants are dealing with dirty money!
Arbitrage = high risk: Buying U far above market price has 100% issues! A judge may determine you 'subjectively knew' and participated in money laundering!
2. Only find highly reputable merchants
Must meet:
Transaction volume over 10,000 orders (small merchants are extremely high risk).
Transaction rate above 90% (do not touch if below this standard).
Real-name receipt and payment (the payer's name must be consistent with the platform KYC).
Beware of these traps:
"The card limit has been reached, change to a family member's card to transfer to you" → Most likely dirty money!
"Transfer a portion first, then exchange the rest" → Making payments in batches = high risk!
"High price to buy U" → Opportunities don't come from nowhere; it must be dirty money!
3. For large withdrawals, find 'shield merchants' (but don’t be superstitious)
Shield merchants have stricter fund risk control, but last year 12 shield merchants had issues, indicating there is no absolute safety!
It is recommended to withdraw everything at once, do not split into multiple transactions (which increases the probability of freezing the card).
4. What to do after receiving funds?
Small amount test: First withdraw a small amount of U, confirm there are no issues with the receipt before making large transactions.
Bank card classification:
Dedicated card: Used only for cryptocurrency deposits and withdrawals, not mixed with salary cards or mortgage cards.
Non-counter transactions: After withdrawal, try to use WeChat/Alipay for consumption to reduce direct bank card transactions.
What to do if your card is frozen?
Banking Risk Control: Automatic unfreezing after 3 days.
Judicial Freeze: Contact the uncle to cooperate with the investigation and provide transaction records to prove the legality of the funds' source.
5. Ultimate advice
If possible, do not withdraw: hoard coins in a bull market, cash out in a bear market.
Off-exchange OTC = high risk, try to use familiar channels or long-term cooperating merchants.
Don't be greedy for small bargains; 100% of high-price purchases of U are traps!
Be mentally prepared: even if you are careful, you may still fall into traps, so you must use 'spare money' to play in the crypto world!
Remember:
In the crypto world, making money is a skill, but being able to withdraw safely is the real skill! A single tree cannot make a forest; a lone sail cannot sail far! In the crypto world, if you don't have a good circle and no first-hand news, then I suggest you follow me, I'll help you get ashore, welcome to join the team!!!
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