1. Why has your bank card been frozen?

90% of frozen cards originate from 'black money inflow':


  • Virtual currency transactions have been classified by the Ministry of Public Security as 'high-risk scenarios', with over 500,000 cases of card freezing due to virtual currency payments in 2024

  • Scammers often use virtual currencies for money laundering, once the fund chain involves illegal gains from fraud, gambling, etc., all associated accounts will be frozen

  • Real case: A user bought U at a low price and sold it, 3 days later the bank card was frozen, eventually proving that the funds came from telecom fraud, it took 6 months to unfreeze

2. 'Triple verification' that must be completed before withdrawal

▍Step 1: Buyer background due diligence (prevent the source of black money)

  1. Account review:

    • Request buyers to provide a screenshot showing the exchange registration time > 6 months

    • Check buyer's real-name authentication information (name + ID number, must match the payment card)

  2. Source of funds review:

    • Request buyers to explain the purpose of funds (e.g., 'personal investment', 'overseas income')

    • View the buyer's last 3 bank transaction records, refuse accounts that 'quickly enter and exit' or 'diversify deposits and concentrate withdrawals'

  3. Risk rejection list:

    • Buyers who sell urgently below market price by 5% (likely black money)

    • Refuse buyers who do not want video verification or are vague

▍Step 2: Keep all transaction records (the core of proving innocence)

  1. Chat evidence chain:

    • Must clearly state the attribute of 'currency to currency transaction': 'I sell you XX USDT at XX price, you pay me XX yuan via bank card'

    • Save records of transaction methods actively proposed by buyers (e.g., 'I will transfer using Agricultural Bank card')

  2. Exchange order backup:

    • Download the order PDF within 24 hours after the transaction is completed (including transaction time, amount, address, and other elements)

    • Special note: Platforms like Binance and OKX only retain orders for 6 months, it is recommended to save each transaction separately

  3. Screenshot of fund arrival:

    • Save the payment notification from the bank APP (showing the payer's name, card number last four digits, amount)

▍Step 3: Bank card isolation management (reduce collateral risk)

  1. Dedicated withdrawal card:

    • Independently apply for a bank card, used only for virtual currency withdrawals (do not mix with daily savings card)

    • Balance in the card should not exceed 50,000 yuan to avoid 'black money impact' leading to large fund freeze

  2. Diversified withdrawal strategy:

    • Single withdrawal ≤ 50,000 yuan (reduce the probability of being marked by risk control system)

    • The same buyer should not trade more than 2 times a week (to avoid being identified as 'frequent money laundering')

  3. Emergency actions after funds arrive:

    • Within 2 hours after receiving funds, transfer 80% of the funds to other bank accounts (diversify risk)

    • Retain 20% of the funds to cope with possible freeze checks (to prove transaction authenticity)

3. Self-rescue golden 72 hours after freezing

▍Step 1: Quick self-check

  1. Log in to the bank APP to check the type of freeze:

    • 'Only receive, not pay': Likely involves judicial freeze (need to take immediate action)

    • 'Neither receive nor pay': May be due to bank risk control (can contact the account opening bank first)

  2. Check the last 3 transaction records, mark buyer information (name, phone number, transaction amount)

▍Step 2: Material preparation

  1. Basic proof package:

    • Copy of ID card

    • Bank card transaction record (showing source of frozen funds)

    • Exchange order screenshot (with official watermark)

  2. Transaction explanation document:

    • Handwritten (transaction situation explanation), detailed description:
      ✅ When, through what platform, at what price was the transaction
      ✅ How did the buyer contact you (e.g., Binance C2C, friend introduction)
      ✅ Is the purpose of funds legal (e.g., 'for purchasing overseas courses')

▍Step 3: Proactive communication

  1. Contact the freezing agency:

    • Call bank customer service to obtain the contact information of the freezing party (usually a local Public Security Bureau Economic Investigation Team)

    • Bring materials to explain the situation within 3 working days (must cooperate in attitude)

  2. Timing for lawyer intervention:

    • If the freeze lasts more than 7 days without being lifted, or involves an amount > 200,000 yuan, immediately hire a criminal lawyer

    • Lawyers can assist in applying to the police for 'Exclusion of Criminal Suspicions Certificate' to expedite the unfreezing process

4. High-risk operation blacklist (must be frozen if encountered!)

  1. Prohibited actions:

    • Receiving payments directly via Alipay/WeChat (the central bank clearly states that virtual currency transactions are illegal financial activities)

    • Helping others sell virtual currency on behalf of them (may constitute 'Concealing Criminal Proceeds')

    • Receiving 'exact amounts' (e.g., 10,000 yuan, 50,000 yuan, suspected of facilitating money laundering)

  2. Low-risk alternative solutions:

    • Trade through compliant OTC platforms (e.g., 'Merchant Certified Users' on Binance C2C)

    • Choose 'USDT flash exchange for fiat' service (some platforms support direct exchange to Hong Kong bank accounts)

5. Policy risk warning

In 2024 (Notice on Further Preventing and Dealing with Risks of Speculation in Virtual Currency Transactions) it is specified:


  • Virtual currency trading is considered illegal financial activity, and participants must bear legal consequences themselves

  • Banks have the right to refuse to provide payment settlement services for virtual currency transactions

  • Legal consequences: those with serious circumstances may be sentenced for 'Aiding Information Network Crime', with a maximum sentence of 3 years



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