I have been using Alipay for years, making several hundred a year, and have never been restricted.

I just transferred the money from the platform back to my bank card, and before I could even leave the "Confirmation of Receipt" page, the bank APP's freeze notification popped up — at that moment, my heart sank to the bottom.

After 8 years of navigating the OTC trading circle, I've seen too many people experience similar panic moments as I have: clearly every step was followed according to the rules at the time, with no carelessness in the transfer, notes, or verification information, so why months later are they still targeted? It took me a while to understand this "OTC trading aftereffects", where the traps are hidden in those easily overlooked details. Today, I will clarify the key points to avoid pitfalls:

1. Why is it "safe at the time, but explodes the next month"?

The problem lies in the obscurity of the funding chain. The money you received may have just been scammed from the victim. After the victim reports to the police, they will trace the funds, and you may be marked as a subject for investigation. However, being frozen does not equal illegal activity; as long as you can prove you were unaware, most situations can be resolved.

2. 5 types of operations that easily trigger risk control

Frequent changes of receiving cards, logging in from different locations;

Transaction notes directly stating "buying coins", "USDT", etc.;

Transferring the money immediately after it arrives, making the flow look like money laundering;

The real name does not match the sender;

Making large transactions from 2-5 AM.

3. What to do upon receiving a freeze notification

Distinguish authenticity: banks and police will not ask you to transfer money or provide passwords;

Official process for refunds: must go through public accounts, request receipts and case closure certificates;

Complete evidence: organize transaction records, chat records, and bank statements chronologically.

4. Four possible outcomes after freezing

Best: prove innocence, unfreeze within 24-72 hours;

Common: temporary account control, recovery in 1-3 months;

Slightly worse: funds related to fraud are frozen, others normal;

Troublesome: listed on a long-term risk control list, recommended to get a new card for OTC only.

5. 6 habits to reduce freeze risk

Use only top platforms, choose long-time users;

The recipient's real name must match;

Break large amounts into smaller transactions, operate during the day;

Use notes like "shopping payment", "goods payment", avoid writing coin-related terms;

Get a dedicated OTC receiving card, only for incoming funds;

Do not help others collect or transfer funds.

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