Recently, a friend who made 600,000 U suddenly came to me to vent his frustrations. He said that everyone who trades knows that staying up late to watch the market and researching strategies can be a rollercoaster for over half a year. After finally catching a wave of market movement and turning floating profits into real money, the sense of achievement can make one feel on top of the world. But just a couple of days ago, he happily told me that he exchanged over 60 U in his account for RMB through over-the-counter trading, and after the money arrived, he even sent me a screenshot to show off, saying he was ready to get a good night's sleep.
So what happened? Less than two hours later, his phone rang, and the bank notified him that the trading function on his account had been restricted. The money was still on the card, but this card instantly felt like a 'brick.' He couldn't check the details, make transfers, and even checking the balance was a struggle. He was completely baffled at that moment and said to me: 'Teacher, I've seen all sorts of scenarios in both bull and bear markets, I'm not afraid of leveraged liquidation, so how did I end up tripping over this 'safe' withdrawal threshold?'
I feel quite helpless hearing this; I've seen this situation too many times. Many people put all their energy into 'how to make money', studying tracks, analyzing K-lines, calculating positions, and setting stop-losses, but they forget the most crucial point—how to safely withdraw the money they earned.
In fact, the real risk in trading often doesn't come from the K-line fluctuations but from the invisible paths of funds. Your profits may be clean, but the money that flows through you may have an unclean origin. Over-the-counter trading is like a 'chain' environment; if there are issues upstream with the funds, and they are traced back, even if you haven't done anything wrong, your account may still get 'marked'. This restriction can last from a few weeks to several months, leaving the funds idle, which is quite torturous.
So, today I'm not going to talk about market trends; I'm going to share the 'three principles of withdrawal risk control', which are experiences and lessons I have summarized over the years. I hope it can help everyone plug that '1%' loophole.
First, the cards must be 'separated'; living and trading must be distinct. I call this the 'separation of treasury and wallet principle'. One bank card is dedicated specifically to receive withdrawal funds, completely isolated from cards used for living expenses, loan payments, and salary deposits. This dedicated card should only keep a small amount of pocket money and should not have any unnecessary features activated. Even if it gets restricted, our daily life will not be affected. Remember, trading money and living money must be clearly distinguished.
Second, when selecting a partner, you must be discerning; only seek 'old acquaintances' and don't be tempted by 'small bargains'. I call this 'gray detection of trading partners'. Choose merchants on the platform who have a long registration time, a large number of transactions, and a high positive rating. Those new accounts with prices significantly lower than the market average, casual nicknames, and few transaction records should not be touched, no matter how tempting. When withdrawing funds, those abnormal 'discounts' might just be signals of risk. It's not worth it to jeopardize account security for a small amount of money.
Third, the operation must be 'elegant', and don't rush. I call this the 'fund walking philosophy'. For large amounts of money, don't operate with a single click; it should be done in batches and by time periods. Try to operate during weekdays in the daytime, avoiding late nights and holidays. After the money arrives, if it's not urgent, let it sit in the card for a day or two to observe the situation. Also, don't write too obvious notes for the transfer; write something normal, like 'payment for goods' or 'transaction funds', to make it look more like regular business dealings.
These methods are not difficult; they are just some of the most basic 'safety hygiene habits'. In the crypto market, being able to make money is a skill, but being able to safely withdraw the money is real expertise. Many experts dominate the market, but ultimately fail at this last step of withdrawal, watching their profits turn into 'digital inheritance', which is really unfortunate.
The success of trading relies on cognition, mindset, and strategy; the smoothness of withdrawal relies on patience, caution, and details. Everyone needs to take this seriously; we are struggling in this market not just to see the account numbers fluctuate, but to genuinely improve our lives.
