At three in the morning, my phone suddenly received a message from a younger brother who has been in the circle for less than half a year, sounding panicked: 'Bro, the money from selling USDT just arrived in the card, and before I could transfer it out, the bank card was judicially frozen!'


You can feel his panic even through the screen — this is not an isolated case. Over the past two years in the crypto space, I've seen too many people fall into traps due to OTC trading. Some have their funds frozen for half a year, while others were called to the police station to provide statements. Today, I'm sharing my '9 Iron Rules to Avoid Account Freezes,' which are hard lessons learned from real experiences. I recommend new friends to keep this in mind.

1. Choosing the right platform can help avoid half of the risks.

Don't trust those flashy little platforms. Stick to 'top platforms B' and 'established exchanges H' that are licensed institutions. At least they have a compliance baseline. More importantly, prioritize platforms that offer 'T+1/T+2 delayed arrival' — slow arrival can be frustrating, but this mechanism adds a layer of filtering for the funds. Many platforms that offer instant arrival can easily lead you into a pool of dirty money.

2. The bank card needs to have an 'isolation policy.'

Specifically, get a 'crypto-specific card' that is completely separate from your salary card and mortgage card. It's best to choose local banks like XX Bank or XX Rural Commercial Bank. It's not a bias; the anti-money laundering systems of national banks are too sensitive, and they freeze accounts 10 times faster than local banks, even if the money is clean.

3. Avoid these trading taboos at all costs.

  • Don't trade frequently with the same merchant. If you exceed three transactions in a single day, the system will flag you as 'suspicious.'

  • When the money arrives, don't transfer it out immediately. Let it sit in the account for at least 24 hours. Rushing to move it might look like a 'money laundering operation.'

  • Try to trade using mainstream coins like Bitcoin and Ethereum. Stablecoins in the oil category are too risky and can easily involve dirty funds.

4. A few advanced life-saving tips.

Avoid trading during the early morning or late night. Operate between 9 AM and 9 PM on weekdays when bank risk control is not as tight. After the funds arrive, prioritize withdrawing cash from an ATM or directly using the card for purchases to reduce transfer traces. Limit monthly transactions to no more than three, and single transactions exceeding 50,000 are safer than multiple small ones — frequent small transactions resemble 'robbing Peter to pay Paul.'


Let me share a few painful cases I've seen: Some friends used their salary cards to receive USDT for convenience, resulting in their entire account being frozen, almost causing their mortgage to be overdue; others transferred several thousand yuan for 'test transactions' over three consecutive days, triggering an anti-money laundering model, leading to a six-month freeze; even so-called 'Blue Shield merchants' have had their issues, so it's best to check a merchant's transaction volume over the past 30 days before trading — those with fewer than 100 transactions are relatively safer.
Finally, I want to say that making money in the crypto space is hard, but keeping it is even harder. These rules may seem troublesome, but when you actually encounter a freeze, you'll understand that waiting an extra day or using a different card might help you avoid a major problem.
However, I've also been thinking recently: As we carefully study 'how not to get frozen,' shouldn't we also ask — where exactly in the industry chain is the dirty money that makes OTC trading so nerve-wracking? And how long will we ordinary traders have to live in 'fear of account freezes'?#币安钱包TGE