Have you ever had that moment of despair: during cryptocurrency OTC trading, the platform passed your review, and the bank raised no risk warnings? You thought everything was fine, but two months later, your bank card was suddenly frozen, and all your savings and living expenses were locked up, even receiving a verification call?
Don't panic! It's not that you broke the law, but rather that 90% of people have fallen into the "funds tracing" trap. Today, I will break down the "anti-freezing + unfreezing complete strategy" that I have personally tested as effective, explaining everything from why it exploded to how to save yourself. After reading, at least you will lose 5 digits less!
1. First understand: Why is it "safe at the time, but guaranteed to blow up the next month"?
The core issue is a "time gap trap"; many people don't understand this until they are frozen:
The money you receive from selling coins may be "hot stolen money" just scammed from victims.
For example, if a scammer uses victim A's money to buy your coins, and at that time A hasn't reacted or reported to the police, the platform and bank cannot find any issues with that amount — but once A reports, the police will trace the money flow backwards. As the "receiving end," you become the focus of scrutiny, and your bank card will naturally be frozen.
⚠️ Important point: Freezing ≠ illegal! It just means your account has been "polluted by stolen funds," and the police need to confirm whether you are an accomplice. As long as you can prove you are an "unaware ordinary seller," in 90% of cases, you can successfully unfreeze!
2. Be alert! These 5 actions = actively "inviting police to your door," which many people do every day.
Don't think that "trading on a legitimate platform is safe"; these details can instantly make you a key risk control target. Hurry up and check yourself against these points:
❌ Frequent card changes + random IP logins: Using a China Merchants Bank card today, an Agricultural Bank card tomorrow, and always logging into the trading platform from internet cafes or hotels, with IP and bank card locations all over the place, the system will directly mark you as "high risk";
❌ Notes stating "buying coins / USDT": This is equivalent to directly alerting the bank and police, clearly stating, "this money is related to cryptocurrency," if they don't freeze you, who will?
❌ Transferring money immediately upon receipt: Transferring money to a stranger's account right after receiving it, leaving no transaction trail, is exactly like "money laundering"; the risk control system will immediately raise a red flag.
❌ Buyer's name does not match the payer: The platform shows the buyer as "Zhang San," but the payer is "Li Si." If the other party says "a friend is paying for me"? Don't believe it! Mismatched funding sources directly trigger suspicion;
❌ Large transactions in the early morning: From 2-5 AM is a high period for fraud and money laundering; making large transactions during this time will lead the bank to classify you as an "abnormal account," and freezing is non-negotiable.
3. Don't panic upon receiving a freezing notice! These 3 steps are "key to survival"; messing up one step can lead to great losses.
If you receive a call from the police or bank, follow these steps first; don't panic and mess things up:
First distinguish between true and false! These 3 sentences are 100% scams.
The police and banks will never ask for your bank card password, SMS verification code, nor will they say "transfer money to a specified account to prove your innocence"! If the other party asks you to "add WeChat to send materials" or "share your screen for unblocking," hang up immediately and call the bank's official customer service (ICBC 95588, CCB 95533) or 110 to verify; don't fall for a second scam!Absolutely do not transfer money privately for "settlement."
Even if it is confirmed that you received fraud-related funds, you must go through the official process! If the police ask you to return the money, make sure the other party provides a (funds return notification) document; money can only be transferred tothe police's public account.After transferring, you must obtain a receipt and case closure proof — don't believe "transferring to my personal account privately can unblock you"; these are all scam tactics!The more comprehensive the evidence prepared, the faster the unblocking!
Organize these materials chronologically; provide whatever the police ask for; actively cooperating can reduce waiting time by 1-2 months:Platform transaction records (order number, transaction time, buyer's real name information, screenshots must be complete);
Chat records with the buyer (especially screenshots of the other party saying "the funds are clean, no problem," crucial evidence!);
Bank transaction details (mark each transaction corresponding to the OTC order, allowing the police to see the source of the funds at a glance).
4. After freezing, there will be 4 possible outcomes; knowing them in advance will keep you calm!
Don't think that just because your account is frozen, "the money is gone"; there are actually 4 possible outcomes, and knowing them early will ease your mind:
✅ Optimal outcome: Sufficient evidence proving you are an "unaware seller," and your account will be unblocked within 24-72 hours; normal use will resume.
💡 Common outcome: Account temporarily controlled; you can only deposit money but not withdraw it. After 1-3 months, once the case is preliminarily investigated, it will be restored.
⚠️ Slightly worse outcome: Only the fraudulent amount will be frozen; other funds can be used normally, but you must wait until the entire case is closed to unfreeze;
❌ Troublesome outcome: Being listed on the bank's long-term risk control list; future transfers will always trigger pop-up reviews and limit large amounts — it is recommended to directly apply for a new card, specifically for OTC trading, completely separating it from your salary card and mortgage card to avoid affecting normal life.
5. Want to avoid pitfalls? These 6 habits must be developed to reduce risks by 90%.
Rather than panicking afterwards, it's better to prepare protection in advance. I have maintained these 6 habits for a year without ever being frozen:
Choose a platform + pick buyers: only trade with "veteran players."
Only use trusted major platforms for escrow transactions. When picking buyers, prioritize those who have completed "over 1,000 transactions, have a good rating of over 98%, and have been verified for over 6 months." Directly refuse newly registered users to avoid encountering "one-time scam accounts."Funding sources must match.
Only accept money from "platform verified and payer consistent" sources. If the other party says "company pays" or "family pays," no matter the explanation, cancel the transaction to avoid leaving yourself with hidden dangers.Break large amounts into smaller orders and avoid late-night transactions.
Break large transactions into smaller orders under 50,000, and try to operate during the daytime from 9 AM to 5 PM, avoiding late nights and early mornings to reduce the chance of being classified as "abnormal."Do not fill in random notes! Use these keywords.
Have the buyer note it as "shopping money," "service fee," or "goods payment;" absolutely do not mention "coins," "chain," or "digital assets" to avoid direct associations with cryptocurrency.Get a "special card" that only accepts deposits.
Specifically apply for a bank card for OTC receipts; after receiving funds, keep it for a while and confirm there is no risk before transferring. Do not mix it with your salary card or daily spending card — even if it gets frozen, it won't affect your meals or mortgage payments.Absolutely do not help others collect and transfer funds.
Even if relatives or friends ask you for help in collecting and transferring cryptocurrency funds, you must absolutely decline! Once there are issues with the funds, you will be identified as part of the "fund flow process," directly becoming a suspect in conspiracy, which is too risky!
Finally a reminder: In the cryptocurrency OTC trading world, safety is always more important than making money! Don't dismiss these details as troublesome; they can help you protect your principal at critical moments. If you've already encountered problems, leave a message in the comments, and I'll help you analyze the response strategy~