A few days ago, in the early morning, a friend who had been with me for more than half a year suddenly sent a series of voice messages. The voice trembled: "Brother, I just converted 800,000 U from the exchange into cash and put it into my card. Just two hours later, the bank sent a text message saying that off-counter transactions have been suspended—money frozen in the card, even checking the balance is a hassle.
He said he stared at the mobile banking app for half an hour, the numbers were still there, but his heart felt like it had been emptied. This money was saved after countless nights and watching countless candlestick charts, not lost in the market, but stuck at the last step. This kind of gap is more painful than losing money.
In fact, many people enter the cryptocurrency world, only seeing the ups and downs, thinking that if they endure the fluctuations, everything will be fine, but often overlook one thing: money earned doesn't necessarily mean it can be safely pocketed.
The problem often lies in "funds contamination." The U that circulates in the market may be backed by scams or money laundering, flowing into your account after several transfers. On the surface, it looks like normal transactions, but once the upstream is investigated, everyone in the entire funding chain could be implicated.
But don't panic, having a frozen card does not equal illegal activity. As long as you can provide complete transaction records: OTC screenshots, chat records, transfer receipts, most situations can be unfrozen. It's just a torturous process—running to the bank, cooperating with investigations, taking at least a few weeks to several months, the effort spent is even more exhausting than watching the market.
So the key is not to solve it afterwards, but to prevent it beforehand. Here are a few methods I’ve been using:
Dedicated card: Open a separate card, used only for deposits and withdrawals, not mixed with salary cards or living expenses. Even if problems arise, it won't affect normal life.
Choose the right merchants: Select reputable merchants certified by the platform, with long transaction histories and high credibility scores. Don't save a little on the price by dealing with unknown parties.
Details matter: Split large sums for transfers, try to operate during the day, and observe for a few days after the funds arrive before moving them. Try to note reasonable titles like "project cooperation fee" or "technical service fee" in the transfer remarks.
In this market, being able to make money is a skill, but being able to safely pocket the money is the real ability.
People often ask me if I take newcomers. I say: The road is always there, those who are willing to walk step by step and treat the rules as discipline will naturally see the light.
If you also agree that stability is more long-term than quick profits, then perhaps we can work together, keeping an eye on the fluctuations while also safeguarding the results.