《How to Safely Transfer Money from the Crypto World to Your Bank Account?》

Many people jump in and out of the crypto market, showing profits of hundreds of thousands or even millions on paper, but when it comes to the 'withdrawal' step, they get anxious—not because they're afraid of low exchange rates, but because they're worried about their accounts being frozen and their money not coming out. I've stumbled through this and have summarized a 'Four-Step Safe Withdrawal Method' that can help you avoid 90% of the risks if followed correctly.

① Choose a Stable Platform and Reliable Merchant

Only use OTC from top platforms like Binance and OKX for withdrawals, as large merchants have strict reviews, fast processing, and support T+1.

Try to avoid operations after 8 PM; customer service is off duty, and if you enter the card number incorrectly or the amount is unusual, your money might get stuck halfway.

② Withdraw to Wallet First, Wait Three Days Before Transferring

Don’t withdraw directly from the exchange to your bank account. First, withdraw to a cold wallet you usually use (like MetaMask or Trust) and leave it untouched for three days to let the blockchain record it as 'cold'. New wallets and large transfers are the combination that banks love to monitor.

③ Three Iron Rules—Most People Fail Here

Split the amount: For 100,000, divide into 5 + 3 + 2 ten thousand, with one transaction every other day; for 1,000,000, split into 8 transactions, with each separated by 2 to 3 days.

Use a daily use card for receiving funds: The card you use for takeout, paying utilities, or repaying a mortgage is the safest.

Maintain card activity: The day before receiving a large amount, make a few regular purchases to make the bank think your card activity is 'normal'.

④ Don’t Rush to Move Money After It’s Received—Be Careful in the Last 10 Meters

The payer's name must match the order; if not, return and redo it.

Make the remarks clean, preferably leave it blank or write 'living expenses'.

Do not move large amounts within 48 hours of receipt; on the third day, transfer in batches, with each transfer ≤ 20,000.

⑤ Two Areas to Avoid

Don’t sell USDT directly; first, exchange for CNC/QC or go through Blue Shield merchants, which is much safer.

Don’t 'test transfer' 1 yuan; this action will directly get tagged as 'virtual currency trading' by the system.

One-Line Reminder:

Let the wallet cool for three days, choose everyday cards;

Split transfers into smaller amounts, don’t move large amounts immediately;

Be cautious selling USDT directly, Blue Shield is more secure.

Making money in crypto isn't hard; the difficult part is safely getting your money into your hands. These experiences are lessons I learned the hard way, and I hope you take fewer detours.