The money earned in the crypto circle only becomes yours once it enters your bank account.
I am a survivor who crawled out of the frozen card wave. I've seen brothers' assets multiply tenfold, yet due to withdrawal missteps, their bank cards were frozen for three months, leading to a collapse in their lives. The most heartbreaking part is that he had clean principal; it was purely the withdrawal method that was too risky, leading to a 'mis-kill' by risk control. This pain, 90% of players will inevitably experience. Today, I will speak some truth and teach you how to turn numbers into spendable money.
1. How close is the money laundering trap to you?
Buying U is like sweeping for mines
Just find a random over-the-counter trading partner, who may be involved in money laundering. Once the illicit funds flow into your account, you may face a frozen card at best, or be classified as having committed a crime of aiding and abetting at worst. In one case, a user was involved in illegal exchanges of U and the court directly ruled the contract invalid, making it difficult to recover the principal.
Quick in and out = trigger risk control
Transfer the money as soon as it arrives; the bank system will directly mark it as a 'suspicious transaction.' This year, the scale of cross-border money laundering reached $12 billion; regulators are highly sensitive to fund flows, and your normal operations may be misjudged as part of a money laundering chain.
Using a salary card to play in the crypto world? That's suicide!
Once the card is frozen, mortgage, car loan, and living expenses will all come to a halt. Don't use a daily card to handle crypto assets; dedicated cards are the bottom line.
2. My golden rule for withdrawals: safety is more important than profit.
Only choose 'established and legitimate platforms'
Don't be greedy for the low fees of small exchanges! Platforms like Binance and OKX have strict risk control; although the review is cumbersome, the safety factor is the highest. Fly-by-night exchanges might run off with your money.
Give up direct withdrawal of USDT, take another route
USDT is now a key focus of regulatory monitoring. I prefer converting to BTC or ETH for withdrawal, or exchanging through licensed brokers (like Hong Kong Victory Securities) for fiat currency, then remitting back to the country. Although it incurs an extra layer of fees, it isolates the risk.
Leave the bank card untouched for 24 hours
After the funds arrive, let the money 'sleep for a while' to break the sensitivity of risk control to 'quick transfers.' Choose to operate during weekday mornings to avoid the sensitive period of the banking system at dawn.
Diversify paths; don't go all in at once
Withdraw large amounts of funds in batches and through multiple channels. For example, some can be exchanged for fiat currency through Kraken and then remitted back to the country, while others can be spent directly with a Mastercard U card. This reduces the risk exposure per transaction.
3. What to do if the card is frozen?
Don't act impulsively in the first 3 days: it may be a system error, wait for automatic unfreezing.
Contact the bank to check the frozen unit: obtain the contact information of the case-handling agency and proactively provide on-chain transaction records, chat screenshots, and other evidence.
Attitude is more useful than justification: honestly explain the source of funds and emphasize 'transaction for personal use, not business.' Legally, there is a clear boundary between occasional personal transactions and illegal business activities.
4. Mindset determines the outcome: securing profits is not cowardice.
The simplest truth in the crypto world: doubling on the screen is the process; money entering the bank account is the outcome.
Don't blindly trust 'friends for investment': the case of Jay Chou being scammed out of a large amount of Bitcoin by a friend exposes the dual risks of entrusted investment—no legal protection + the collapse of personal relationships.
Learn some fundamental logic: check project white papers, look at team backgrounds, and diversify holdings. Over 80% of losses in 2025 stemmed from loss of control over permissions and cross-chain bridge vulnerabilities, which could have been avoided.
The last sincere word:
Making ten times is luck; safely withdrawing is skill. Better to earn less than to let a fortune be trapped on the screen, turning into 'earning loneliness.'
Follow Ake to learn more firsthand news and accurate points about the crypto world, becoming your navigation in the crypto space; learning is your greatest wealth!#巨鲸动向 #加密市场观察 $ETH
