No matter how much you earn in the crypto world, if the money hasn't reached your pocket, it doesn't count as profit! As someone who has frozen 200,000, I summarize with tears: a shaky hand during withdrawal and all six months of profit go to the dogs. Here are the life-saving experiences I’ve gained over 8 years of blood and tears—


One night I sold USDT, the money just arrived on three cards, and the next day they were all frozen! A statement from the Anhui police left me completely stunned:

"Virtual currency transactions are not protected by law. If this money is tainted with dirty money, it must be compensated to the victim to unfreeze!"

In the end, I had to accept the loss to escape. From then on, I understood: the safety of withdrawals is 100 times more important than making money!


The most stable plan for big shots: Withdrawals using a Hong Kong bank card

Core Advantages

- Completely avoid mainland risk control: Funds are transferred through Hong Kong, isolating any suspicion of dirty money;

- Supports Binance's official channel: Hong Kong dollars exchange instantly, no need for third-party;

- Frozen card probability ≈ 0: Regulated by the Hong Kong Monetary Authority, ensuring the legality of funds.

Operation Guide

1. Choose a bank: OCBC Wing Hang / Dah Sing Bank (just deposit 50,000 HKD to open an account);

2. Bring materials: Hong Kong and Macau travel permit + proof of address (rental contract can substitute);

3. Cash exchange process: Bind the exchange to the Hong Kong card → Exchange Hong Kong dollars → Withdraw directly from ATM (daily limit 20,000).

Truth about fees: 100-300 HKD per transaction, far lower than the risk cost of a frozen card!

Three Tips for Safeguarding Mainland Withdrawals

1. The Iron Rule of Transaction Review

- Request merchants to provide bank transaction records from three days prior (to avoid recently deposited dirty money);

- Transfers must be under the same name, with a note stating "XX payment" (to retain evidence and avoid blame).

2. Large Amount Demolition Technique

- Over 50,000 must undergo video verification (save the recording!);

- Choose T+3 settlement merchants (let the money settle for three days before entering the card);

- Transfer in multiple transactions in one day, each under 20,000 for maximum safety.

- No matter how familiar, a contract must be signed + record a video (to prevent the other party from reporting and extorting);

- Cash transactions should not exceed 20,000 (high risk of counterfeit money/plainclothes arrests).

Five Life-Saving Lists Earned Through Blood and Tears

1. Cloud backup of transaction records (recommended to keep for 5 years, as it is the only evidence when your card is frozen);

2. Regularly delete sensitive chats (to avoid being screenshot as a "money laundering accomplice");

3. Keep enough living expenses for six months (to prevent frozen cards from cutting off cash);

4. Prioritize withdrawals using Hong Kong cards (the ultimate risk avoidance plan);

5. Don't trust "instant transfer" merchants! Fast = high-risk dirty money.

💡 Final Advice:
Domestic judicial practice has made it clear—virtual currency transactions are not protected. Once tainted with dirty money, the cost of unfreezing far exceeds expectations.

A Hong Kong card is the most stable way out for ordinary people. Get it done once, and avoid risks for life.