To be straightforward, whether you have hundreds of thousands or millions in your account, as long as you can't withdraw the money smoothly,
1. Choose the right platform + the right merchants, and avoid 80% of the risks first.
1. OTC platforms must be top-tier.
Only use reputable exchanges like Binance and OKX. Most of their OTC merchants are vetted, payments are fast, and T+1 is fully supported. Don't touch smaller exchanges, no matter how cheap they are; the risk of merchants running away is high, and if your money hasn't arrived, you won't even know who to contact.
Choose your timing wisely.
Try not to withdraw funds after 8 PM. Customer service is off duty, and if you enter the wrong card number or amount, no one will be there to assist you, making it easy to get stuck.
2. Don't rush to withdraw to your wallet: let the on-chain activity 'cool off'.
Before withdrawing, don't rush; first transfer the coins to your frequently used wallet and leave them for three days.
Withdraw to wallets like MetaMask or Trust that you normally use.
Don't move it for three days; let the on-chain records 'cool down'.
Don't suddenly create a new address to receive coins; a new wallet + large amount = red flags for bank risk control.
Many cards get frozen because you 'transfer coins to the wallet and immediately cash out.'
3. Three iron rules for withdrawal: 99% of people fail at this step.
1. Split the amount; don’t withdraw it all at once.
For example, split 100,000 into 50,000 + 30,000 + 20,000, with one withdrawal per day; for 1,000,000, split it into 8 withdrawals, each spaced 2 to 3 days apart. What banks see as normal flow is **'small amount + multiple transactions + reasonable intervals'**.
2. The receiving card must be the one you are 'actually using'.
What is a 'living card'? It's the card you use every day for:
Food delivery.
Paying utilities.
Mortgage payments.
This card should have a balance, spending, and income, appearing like a 'normal person' so the bank approves it.
3. 'Nurture the card' in advance: make a few small transactions.
If you want to receive 50,000 today, make a few small transactions yesterday afternoon:
Breakfast 18 yuan.
Supermarket 42 yuan.
Phone bill 100 yuan.
This way, the bank system will think: this card has been active recently, so receiving a large amount is reasonable.
4. After the funds arrive, don’t mess up in the last 10 meters.
1. Be sure to confirm the payer’s name.
It must match exactly what is written in the order. If it doesn’t match, ask the merchant to cancel and redo the order immediately. Don’t gamble on luck; money received from the wrong person is considered dirty money, and your card will be frozen.
2. Notes must be clean.
The best practice: have the merchant leave the note blank or write 'living expenses' or 'service fees'; never include sensitive terms like 'USDT', 'digital currency', 'investment', or 'purchasing agent'.
3. Don’t rush to transfer out after the funds arrive.
Don’t touch the money within 48 hours.
On the third day, transfer in batches, with each transfer ≤ 20,000.
The bank system will observe the use of funds for two days after arrival; any significant operations during this time are likely to trigger risk models.
5. Two of the easiest traps to fall into.
1. Don’t sell USDT directly.
USDT is closely monitored by the bank system. A safer method is to:
Convert to CNC or QC RMB before withdrawing.
Using 'blue shield merchants' or 'compliant channels' may have a slightly lower exchange rate, but safety is priceless.
2. Never test the transfer.
Many people like to first send 1 yuan to 'test' if the card can receive money—this is a typical signal for the bank to regard it as 'virtual currency trading'. Once you do this, the card will be disabled.
A simple mnemonic: you can take notes and use them.
Copy and edit the wallet and let it sit for three days; choose a card you use daily.
Split into small batches for transfers; don’t move the money once it arrives.
Be cautious with USDT and avoid direct transactions; blue shield is more secure.

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