Who understands this! After 8 years of struggling in the crypto circle, from initially putting in a few tens of thousands to now holding profits in the tens of millions, the most asked question is not 'how to make money', but 'what if I earn money but dare not withdraw it, for fear of the bank checking my account?'
Every time I hear this question, I want to laugh—banks are not like community committee aunties with nothing to do, they won't ask you 'is the money earned from the crypto circle?', but if you dare to operate carelessly, don't talk about making money, at best your funds will be frozen for half a year, at worst you'll end up with a silver bracelet + prison package! I've seen brothers get stuck because they rushed to withdraw 5 million, frozen solid, and there are those who greedily paid high premiums for black money, and ended up with a 3-year sentence, with no place to cry.
Today, I'm not hiding anything; I'm sharing the practical tips for withdrawals that I've kept hidden, all are hard-earned experiences. Newbies can avoid 99% of the pitfalls after reading this, and veterans can fill in the gaps!
First, let's clarify a misconception: banks are targeting dirty money, not your legitimate profits.
Many people always think that 'large withdrawal amounts will be checked', which is purely scaring themselves! The core goal of bank risk control is to prevent telecom fraud and money laundering. If your background is clean and your profit source is legitimate, as long as the operation is not suspicious, there's no need to panic.
However, there are two situations that will be focused on, remember: one is a single transaction or cumulative deposit of over 5 million. The bank may make a phone call to 'check in', or even invite you to become a VIP (essentially to confirm the legitimacy of the funds). Just be honest and say 'investing in compliant assets for profit', no need to hide anything; the second is frequent large amounts of inflow and outflow in a short period, like having hundreds of thousands deposited daily from different accounts. The risk control system will mark you red directly, and if non-counter business stops, you have to run to the counter repeatedly to explain, wasting time and causing frustration.
5 key points for safe withdrawals, none can be missed!
1. Don't touch the trap of dirty money! This is the bottom line! Whether it's a platform of unknown origin, so-called 'high premium intermediaries', or offline cash transactions, these channels are likely mixed with dirty money. Let me make the consequences clear: a level three freeze for 3 days is considered light; a level two freeze directly locks funds for 6 months, and if things go wrong, the money may be confiscated; a level one freeze is even harsher, directly sentencing under 'concealing criminal proceeds', starting from 3 years, all the profits go down the drain, and you end up in jail. It's purely self-destructive.
2. Don’t be a 'sucker' for trading prices, nor be 'too clever'! Many people want to earn a bit more, listing assets priced at 7 dollars for sale at 7.5 dollars, or wanting to sell quickly at 6.5 dollars. Both operations are extremely dangerous! Deviating too much from the market price will be directly identified as 'knowingly trading dirty money'; even if you genuinely didn’t know, you will have to spend a lot of time proving it. Why put yourself through that? Follow the market price and prioritize stability.
3. Trade with acquaintances; remember 'receive money before transferring assets'! Prioritize connecting with reliable friends you have known for more than six months, and don’t trust those online strangers with 'instant settlement' or 'high premiums'. Moreover, you must confirm that the money has arrived and is accurate before transferring the corresponding assets; don't reverse this step! Additionally, check the other party's funds: they should have been settled for more than 3 days, with no recent frequent large inflows and outflows, to avoid receiving suspicious funds that 'come in today and go out tomorrow'.
4. Withdraw small amounts slowly; don't clash with risk control head-on! Even if you make a small target, don't think about withdrawing everything at once! I have a friend who made 12 million and insisted on transferring it all in one day; as a result, the card was frozen directly, and he had to run to the bank three times and submit a bunch of proofs to unfreeze it. The correct operation is: split the amount, extend the time, for example, withdraw 200,000 daily using payment tools, or transfer slowly over 3-6 months; using time for safety is better than anything.
5. Keep good transaction vouchers; better safe than sorry! Don’t find it troublesome; save the records and reconciliation screenshots of each transaction. In case the bank needs proof of the source of funds, these are your 'golden tickets.' I have set up a dedicated folder where I keep 8 years of transaction records. Even if occasionally questioned, just pull them out, and it’s all settled, saving a lot of trouble.
Finally, let's say something from the heart.
Making money in the crypto space is already tough enough; don’t mess up at this last step of withdrawal! Remember: compliance is always more important than speed; it's okay to be slow, at least the money is yours; rushing can lead to pitfalls, wasting years of hard work.
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