In the crypto space, many can seize market opportunities to make money but lose in the final step—withdrawal. The cause of risk is often not technical issues but neglecting compliance and risk control logic in the flow of funds. The following five key points can avoid over 90% of freezing card risks.
Level 1: Selecting platforms and merchants
Only use leading exchange OTC: Major platforms like Binance and OKX have strict fund audits for merchants, minimizing the chance of mixing in illicit funds. Do not choose small platforms for the sake of higher exchange rates; high risks cannot be compensated by a 2% difference.
Choose to trade during weekdays: Between 9:00-18:00, bank and platform customer service are online, issues can be handled promptly. Late at night, especially after 20:00, customer service goes offline, delaying processing.
Level 2: Cold handling of on-chain assets
72-hour cooling-off period: After the coins arrive, transfer them to a wallet with transaction history, let them sit for 3 days before transferring out to reduce the likelihood of triggering risk control with 'unknown address + large transfer'.
Avoid using a new address for large amounts: commonly used wallets with transaction history are safer; receiving coins on a brand new address carries higher risk.
Level 3: The 'Three Iron Rules' of withdrawals
Batch the amounts: Withdraw large sums in 3-4 transactions over a few days.
Use familiar receiving cards: Choose bank cards with regular spending or salary records, avoid directly receiving large sums with long-idle cards.
Activate the account in advance: Perform small daily expenses (such as at supermarkets, restaurants, or phone top-ups) three days before withdrawing funds to lower the bank's risk control sensitivity.
Level 4: Processing after funds arrive
Verify payer information: must match the real name of the OTC merchant; discrepancies will result in rejection and return.
Keep notes clean: Prohibit the appearance of sensitive words such as 'USDT, coins, investment'; it can be left blank or marked as 'service fee'.
Funds should be idle: After arrival, keep the funds for at least 48 hours, transfer out in small batches, with a single transaction not exceeding 20,000.
Level 5: Avoid high-risk operations
Avoid directly selling USDT: It is recommended to exchange it for stablecoins like CNC or QC first, and withdraw through compliant merchant channels to reduce monitoring probability.
Prohibit '1 yuan trial transfer': Test small transfers will directly mark the account as a virtual currency trading card, affecting subsequent normal receipts.
Core principles
The key to safe withdrawals is not in being 'hidden,' but in ensuring that every step of the fund flow conforms to normal account behavior patterns.
Remember the mantra:
Keep the wallet cold for three days; use regular cards for receiving.
Small amounts in multiple transfers, let the funds sit first;
Avoid sensitive notes, channels must be compliant.
Steady and methodical actions are necessary to successfully secure funds.
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