In the cryptocurrency world, making money is already difficult, and securing millions in funds is even harder. If there is an error in the fund withdrawal process, it could lead to a situation where 'profits were made in the market, but the principal was not protected.' Below are the key steps to a practical risk avoidance method.

1. Platform and Merchant: Control risks from the source.

Choose leading platforms that operate on a T+1 model, such as Binance and OKX in compliant regions. These platforms allow withdrawals only 24 hours after funds are received, which usually deters holders of dirty money, thereby reducing risk from the source. Avoid 'instant arrival + anonymous trading' on niche platforms, as they are often where dirty money gathers.

When selecting merchants, choose those with 'seniority,' prioritizing those registered for over 3 years and with a cumulative transaction volume exceeding 1 billion U. Long-established merchants have mature risk control systems, and the probability of card freezing is 80% lower than that of new merchants. Don't be attracted by 'high premiums + zero negative reviews' from suspicious merchants; many of these are short-term accounts used for 'quick in and out' with numerous traps.

2. Timing and Pricing: Don't lose the big picture for small profits.

Operations should be conducted during weekday daytime, from Monday to Friday, 9:00 AM to 5:00 PM, for maximum safety. During this time, bank and platform customer service are online to handle issues promptly. Avoid operations late at night or on holidays, as customer service response is slow and you may miss the best time to address issues.

Do not get too hung up on a 1% price difference. For several million in funds, a 1% difference could result in a loss of tens of thousands, but if the card is frozen, you could lose everything. When encountering quotes from 'old merchants + large transaction volumes,' even if it is 1% lower, choose decisively. Be wary of 'single transactions exceeding 1 million with rebates' and insist on 'independent settlement for each transaction' to prevent mixing in dirty money.

3. Process Details: Close potential loopholes.

When placing an order, be sure to specify clearly in the message, 'Payment requires a real-name personal card, name XXX. If payment is not under real-name, please return via the original route.' This will compel merchants to use compliant accounts for payments.

Immediately verify upon receipt of funds. The payer's name must match the merchant's real-name registration, and the note should not contain sensitive words such as 'virtual currency' or 'U'. If you discover instances of 'non-real-name' or 'corporate payment,' make sure to return via the original route within 24 hours without hesitation.

4. Collection Card Management: Keep the cards 'active.'

Use cards that are actively used in daily transactions, linked to WeChat and Alipay, with monthly spending records, such as buying milk tea or topping up mobile credit. Avoid using 'sleeping cards' or 'zero balance cards'—these types of cards suddenly receiving large amounts are 90% likely to be temporarily frozen by the bank.

Prepare several cards, including 1-2 local bank cards, as their risk controls are generally more relaxed than those of larger banks. In the 3 days leading up to the withdrawal, make small purchases or transfers using the target card to let the bank recognize it as a 'normal account.'

5. Large Amount Splitting: Techniques for handling millions in funds.

For funds between 500,000 and 2,000,000: receive via 3-5 cards, with each card having a single transaction not exceeding 500,000. Operate with an interval of 2-3 days, and transfer to the main card after 48 hours of receipt.

For funds over 2 million: use a 'transitional card + main card' two-tier system: use 5 transitional cards, each receiving 200,000-300,000, with operations spaced 3 days apart. After 5 days on the transitional cards, transfer to the main card, with withdrawals from the main card not exceeding 500,000 per month.

Final reminder: do not make 'small exploratory transactions.' The painful lessons of veteran players show that transferring 100 yuan to 'test if the card can be used' will be flagged by the bank's anti-money laundering system as 'suspicious behavior,' increasing the probability of card freezing by 300%. If you have doubts about the card's safety, directly switch to an active card without testing.