In the field of digital currency, what would the banks think of you if you made millions or even tens of millions in profit?
Banks will conduct a risk assessment based on your transaction records over the past six months or year. If your account usually has small transactions but suddenly receives a large C2C (consumer-to-consumer) fund transfer, starting from 2024, your bank card is likely to trigger the bank's risk control mechanism. A mild consequence might lead to transaction limits, while a severe one could result in the account being frozen, and this is only in cases where no illegal funds are involved.
For example, based on my personal experience, my bank card typically only maintained a balance of 3000 to 5000 yuan in the past six months, but after transferring in about 14,000 yuan in August and September, my bank card was limited, and the limit could not be lifted. From what I know, this kind of abnormal risk control measure based on recent cash flow has a significant impact on C2C transactions, and it also affects large loans or fund transfers between individuals. Once the risk control is triggered, the bank may require you to provide chat records and transfer receipts with the other party to prove the debt relationship; otherwise, the risk control measures will not be lifted.
Given the strict risk control on C2C transactions with bank cards currently, I suggest considering other ways to transfer small amounts of money, or for large amounts, taking a risk (but be aware that if it is only risk-controlled and not frozen), once the risk control is triggered, immediately withdraw cash and cancel the bank card.
I wish all the investors can reach shore as soon as possible, everything goes smoothly, and everyone can make a fortune and earn the digital amounts they desire in their hearts!
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