#加密市场反弹 #美SEC和CFTC加密监管合作 #ETH走势分析 #加密货币 Looking at the truth of things from the perspective of a criminal
Analyzing the essence of the case from a human perspective
Many people, upon hearing "bank card freezing," like to bring up "deep-sea fishing." But have you ever seen a fleet of ships that catch king crabs come to your fishpond to catch turtles? They haven't even grasped the logic, yet some lawyers are constantly stirring up trouble. In reality, this is precisely the kind of thing that judicial authorities are targeting. The fundamental reason your bank card is frozen is that your account received funds suspected of being fraudulent; this has absolutely nothing to do with deep-sea fishing.
This has led many people to wonder: Why was the scammer's card safe and sound, but the money was frozen as soon as it was transferred to my account? Was I set up?
It was indeed a "setup," but it wasn't set up by the victim and the police; rather, the scammers set a trap for both you and the victim simultaneously.
Let's take the "selling USDT" scenario as an example: While you're selling USDT, on the other side of the world, scammer A is defrauding victim B. After obtaining the money, the scammer will guide B to buy USDT from a cryptocurrency broker. At this time, you are also transacting with this broker—you send your bank account information to the broker to receive payment. However, the broker doesn't transfer the money directly to you; instead, they send your payment information to B, instructing B to transfer the funds to you. Seeing the funds arrive, you assume it's from the broker and release the USDT to them, completing the transaction.
What happened next? The cryptocurrency dealer got your USDT and handed it over to B, without ever touching the funds in the account, while profiting from the price difference between buying and selling. You, on the other hand, received the defrauded funds. B later discovered the scam and reported it to the police. The police traced the funds to your bank card, which was subsequently frozen.
This is similar to a recent fraud case in Henan, where scammers guided victims to transfer money to legitimate grain merchant accounts. The scammers never appeared in person, nor did they use their own bank cards to receive the money. Whether it was USDT, gold bars, mobile phones, or other goods, the scammers would later arrange for "runners" or "accomplices" in China to liquidate these assets, such as selling gold bars, pawning mobile phones, or reselling them at a low price to others. Throughout the entire process, the funds remained within the bank accounts of ordinary people in China; the scammers themselves never touched these bank cards.
So when you question, "Why are ordinary people's cards always frozen, while scammers' cards remain untouched?" the answer is actually quite simple: scammers never use their own cards. The frozen cards are mostly accounts of victims lured into transferring money, or bank cards belonging to "money laundering" or "brushing" players; your own card might also be among them.
To trace the flow of funds, the police had to start with these visible accounts. However, it was impossible to immediately determine which card was innocent and which card ultimately "handed" the money to the scammers. Therefore, they had to freeze all of them and then have the relevant personnel provide evidence and file a complaint.
Of course, if you genuinely received the money in good faith and have not engaged in any illegal activities, you have the opportunity to appeal and have your account unfrozen. However, in reality, many frozen accounts are involved in gray-area activities such as online gambling, cryptocurrency trading, illegal fund transfers, order brushing, or money laundering, so you ultimately have to bear the losses caused by the freeze yourself.
Now you should understand: the reason why the police always freeze the bank cards of seemingly "innocent" ordinary people is because the scammers never used their own accounts to receive money.
Regarding Dayi
Dayi, founder of Dayi Blockchain (Chongqing) Legal Consulting Center, has nine years of experience in self-media, seven physical stores in Chongqing, and five years of experience as a cryptocurrency trader on major exchanges. A staunch believer in Bitcoin, he has successfully helped hundreds of his followers unfreeze cryptocurrency-related bank accounts and has successfully appealed against dozens of cases where individuals were mistakenly placed on credit card penalty lists.
