Crypto wisdom: Earning is a skill, but securing it is the true mastery!

Often wandering in the crypto world, how can one not get wet shoes? Many people appear wealthy on paper but stumble on the last step of withdrawal—frozen cards, lost money, or even legal troubles. This feeling is more frustrating than missing out! While bank risk control seems solid, it actually hides patterns. By avoiding deadly "minefields", your hard-earned money can be steadily kept in your pocket.

These 5 actions are simply "self-entrapment" blunders!

Beware of the temptation of "high premiums"; you might become a "money laundering tool".

See a lure in the group saying "USDT exchange rate is 3% higher than market price"? Don't drool too soon! Someone taking this small advantage, after a private transfer, might find their card frozen solid the next day. Upon investigation, they find out the other party used stolen money! You unknowingly became a part of the money laundering chain; is it unfair?
Brother Hao highlights: Orders with an OTC premium over 1% are likely connected to "dirty money". The police will trace it back, and your account will be the first stop in the "freezer".

Writing "black language" in transfer notes is purely a case of "no silver here".

Thinking that writing notes like "goods payment" or "service fee" makes it safe? Too naive! The bank's AI is now as sharp as a monkey, sniffing out terms like "virtual currency", "mining", and "digital assets" better than a police dog. Even writing "ETH liquidation" could trigger a human "tea session".
A painful lesson: In 2025, a guy noted "ETH liquidation", and as a result, his bank account was locked for three months in a "black room" (restricting non-counter transactions). He regretted it deeply.

Using "lifeline cards" for transactions cuts off your own escape route.

Housing loan cards and salary cards are the "lifelines" for supporting a family! If you use them to receive unclear funds? It's like tying your life savings to a powder keg. Once risk control is triggered, don’t mention daily expenses; your entire credit record could be labeled "high risk", and you won't have a place to cry!

"Quick in and out" is a thrill, but banks see you as money laundering.

Within a day, withdrawing in five or six transactions, transferring money as soon as it enters? Congratulations, the bank's customer service will soon be calling: "Sir/Madam, your account transactions are unusual, please bring your ID to the branch for a chat?"
Brother Hao points out: Exceeding 3 transactions in a single day and transferring funds within 1 hour? In the eyes of the bank, this is a standard "money laundering" template!

Believing in "risk-free scoring" is like jumping into a fire pit.

"Helping the platform with transactions, earning commissions while lying down"? Sounds good, but it's actually the "bait" of a money laundering gang! Accounts that have participated are nearly guaranteed to end up in the "freeze list". If things go wrong, you might even bear the charge of "concealing criminal proceeds", facing serious consequences!

The 6 "Iron Rules" for Safe Withdrawal – Keep them close!

Only recognize "golden brand names", stay away from shady paths.

For withdrawals? Stick to "Blue Shield certified merchants" from top exchanges (like Binance, Huobi)! These merchants have relatively clean funds and traceable sources. Stay away from strangers in WeChat groups who say “first crypto, then cash”! The farther, the better! During transactions, insist on "real-name verification" from the other party; keep a screenshot of their ID safe! This is your lifeline in case of problems!

"Slow and steady" is the way to go; avoid being hasty or aggressive.

Single transaction amount: Be cautious! 20,000 is the safety line; over 50,000? The bank's large amount review warning light will definitely light up!

Control the pace: For two withdrawals, space them at least 3 days apart! Don't exceed 4 transactions in a month to give the bank some "sense of security".

Cards should be used in rotation: Prepare 3-5 cards from different banks (especially smaller local banks) and use them alternately. Don't just rely on one to reap rewards!

Bank cards are arranged strategically, each with its own role.

Pioneers (main cards): Prefer local rural commercial banks and city commercial banks! Their risk control is relatively "laid-back", making them the first choice for bridging.

Intermediate (transitional cards): Banks like China Merchants and Pudong Development Bank can be used for short-term turnover; don’t linger too long.

Forbidden zones (never touch): Salary cards! Credit cards! Cards with housing or car loans! Touching them means going against your own stable life!

After the money arrives, "cold treatment" is the best strategy.

When money arrives in the card, stabilize it for 24 hours! Don’t rush to act, avoid the "quick in and out" scenario. After that:

First choice: ATM withdrawals (single transaction not exceeding 10,000), or directly use your card for consumption (buying a house or car is fine)! Spending real money is the most reliable.

Second choice: If you really need to transfer, avoid directly crossing into your main living account! The simpler the path for the money, the better.

The evidence chain is your "amulet"; leave traces throughout!

Must save three essentials:

OTC order screenshots (with both parties' information and platform watermark);

Complete chat records (proving it was a voluntary transaction);

Clear bank statements (mark each transaction with the corresponding amounts).
Backup for double insurance: Cloud + local hard drive, store for at least 1 year! In case of issues, this is your lifesaver.

Before acting, "Look, Listen, Ask, and Feel" to ensure safety.

Check the other party's "background": New trading partner? Boldly ask to see their recent bank statements (key information can be redacted), and confirm they have no "criminal record"!

"Throwing a Stone to Ask the Way": First collaboration? Start with a small test of 1000 yuan! Wait for 24 hours without incident, then consider increasing the amount.

What if the card is frozen? Don't panic! Brother Hao teaches you the "Ice-Breaking Three Steps"

First, understand the "enemy situation": Immediately contact the bank to clarify if the freeze is due to bank risk control or judicial (police/court) action? The nature is different, and so are the solutions!

Quickly prepare "evidence for court" (bank risk control freeze): Quickly organize OTC orders, the other party's real-name information, and chat records to prove to the bank: The money is from a legitimate source! It's a legitimate transaction!

Face the "judicial freeze" directly (the most troublesome):

Bring "ironclad evidence": ID card and a complete set of transaction proofs, head straight to the law enforcement agency.

Calmly cooperate: Honestly explain the situation and prepare a record. Keep a good attitude and provide solid evidence!

Be patient: Judicial processes are lengthy, usually 3-6 months for unfreezing is normal. Once you're in, being anxious won't help.

In extreme situations (involving dirty money): Also proactively contact the police, providing a complete evidence chain to prove you are also a "victim", innocent and blameless!

Brother Hao's heartfelt words:
In the crypto world, the winds are high and the waves are rough. Buying right and selling smart is just halfway through the storm.

The ability to safely stash real money in your own pocket without alerting risk control or getting involved in legal issues is the realm of the seasoned "master"! Remember, prioritize "stability" and protect yourself with "evidence".

Don't let hidden reefs on the withdrawal path ruin the brilliance of your hard-fought success. The road in the crypto world is long; safety comes first!