Many people fall into the pit of "winning in the market but losing on withdrawals"; it’s not that they lack the ability to make money, but that they don’t understand this set of "life-saving operations." The following 5 levels hide the risk of card freezing, remembering them can avoid 90% of the hazards:
Level 1: Choose the right platform and merchants, avoid initial pitfalls.
Only use top exchanges' OTC areas: platforms like Binance and OKX have much stricter capital audits for merchants than smaller platforms, making the likelihood of dirty money mixing in very low. Don’t be tempted by the small platform’s "2% higher exchange rate;" the risks of running away and frozen cards far outweigh this little price difference.
Choose to trade during the day and avoid late-night hours: operations are safer from 9:00 to 18:00 on weekdays; during this time, customer service and bank risk control are online, allowing for timely communication in case of issues. Try to stop after 8 PM; customer service is off duty and no one can handle problems, leaving you to passively wait if your card is frozen.
Level 2: "Cold treatment" of the wallet to avoid on-chain monitoring.
Do not rush to transfer money after it arrives; first go through the "three-day cooling period": after transferring to a commonly used wallet (like MetaMask), leave it for 72 hours without touching it. Transferring large amounts to a new wallet can easily trigger the bank's "unknown address risk control model."
Use old wallet addresses with transaction history: addresses with small transfer or interaction records are safer; brand new addresses, even if they are empty transferred once, can be marked as "high-risk accounts."
Level 3: Follow the three iron rules of cashing out to break the risk trigger points.
Splitting amounts should be "routine": don’t transfer 100,000 in one go; split it into 3-4 transfers over 3 days (like 30,000, 30,000, 40,000). The banking system recognizes "small and steady flow"; a single large or concentrated transfer can easily be deemed "funds movement."
The receiving card must be "in regular use": use commonly used cards for everyday expenses or salary payments (like a card with monthly mortgage deductions or grocery spending records); never use a "newly opened obscure card specifically for receiving crypto." A sudden large amount into a long-idle card can easily attract attention.
Warm up the card before cashing out: in the first 3 days, make a few small purchases with this card, such as buying 60 yuan worth of fruits at the supermarket, paying 15 yuan for breakfast, or topping up 50 yuan for phone credit, to make the bank believe the "card is in normal use," reducing alertness towards subsequent large transfers.
Level 4: Receiving funds does not mean safety; final operations are key.
Verify the payer's information: check the details immediately after receiving; the payer's name must match the merchant's real name on the OTC order. Even if there’s just one character difference, regardless of the other party explaining with reasons like "family payment" or "system issues," you must immediately refund and redo the transaction—non-real-name payments have a 90% involvement in illegal activities.
Remarks must be "clean without sensitive words": ask the merchant to note "service fee" or "consultation fee," or leave it blank. Absolutely avoid keywords like "USDT, currency, investment," as the banking system strictly monitors such terms.
Do not operate frequently after receiving funds: keep the funds in the card for at least 48 hours (to pass the bank's risk control window), then gradually transfer them out, with each transfer not exceeding 20,000—large quick transfers can easily be deemed "funds anomaly" by the bank.
Level 5: Avoid two deadly pitfalls; one touch and it explodes.
Do not directly sell USDT for cash: the bank strictly monitors "USDT exchange"; it is recommended to first convert it into stablecoins like CNC or QC, and then cash out through Blue Shield merchant channels, which can reduce the likelihood of being checked by 80%.
Do not use "1 yuan to test the waters": never test if the card can be used by "transferring 1 yuan"; the banking system will directly mark "this card as a virtual currency trading account," and it may be frozen even if you receive a salary later.
Finally, a life-saving mantra:
"Let the wallet be cold for three days; choose commonly used payment methods for receiving funds;
Transfer small amounts in batches; do not move the funds once received;
Do not leave sensitive remarks; Blue Shield is more cautious."
The core of cashing out in the crypto space is not "concealment," but rather "making every step look like normal fund flow." By following these 5 levels, you can ensure that the money earned is truly secured.
