If you made 10 million in the crypto world and then looked for a so-called 'U merchant' to cash out, the process seems standard: first transfer USDT to the exchange's escrow account, the other party pays, you confirm the release of funds—everything feels routine. But don't be fooled by the apparent sense of security: the real danger often lies in those details you can't see.
First of all, you can't confirm 100% whether the source of the other party's funds is clean. Many people think that by looking at the number of days the funds have been deposited, asking for a 'frozen compensation' promise, or choosing a long-established merchant, they can be completely safe, but that's not the case. The so-called 'frozen card' is more like an invisible time bomb: once one of the funds is traced by the judiciary or banks, even if the incident occurs months later, all accounts related to that fund could be investigated and frozen.
Secondly, the bank cards of U merchants are prone to be targeted by bank big data risk control due to frequent large payments. If you repeatedly transact with such accounts, you are actively putting your card on a high-risk list. Not to mention if your personal account suddenly shows intensive inflows and outflows that are inconsistent with usual patterns, abnormal transaction flows, or 'quick in and out without leaving a balance' operations, all of these will trigger risk control, be directly intercepted by the bank, and turn into troublesome accomplices or 'suspected fraud' targets.
Essentially, this is what big data does: once a link is established, the risk control models of exchanges and banks will bind you to those gray channels. Many gray funds use USDT as a channel, and frequent buying and selling within the exchange will only entangle you in a more complex network of associations. Over time, your bank card or personal account may be marked by the system as 'involved in fraud/high-risk account' — not because you committed a crime, but because you have been associated with problematic funding channels.
The conclusion is simple and serious: cashing out is not a competition of speed and fees, but a long-term game to protect your bank channel. The money earned is important, but being more cautious during the withdrawal process can ensure that the money is truly 'secured'.
Withdrawal attention checklist (short version, sent to fans or placed at the end of the article)
Do not be greedy for speed or the lowest fees — risks often come from 'cheap and fast' channels.
Try to choose compliant and audited/contracted OTC/market makers, and keep all receipts and conversation records.
Avoid frequent transactions with the same high-frequency payment cards, spreading channels and making withdrawals in batches is safer.
Keep evidence of the source of funds (transfer records, deposit screenshots, contracts, etc.), and consult a lawyer/compliance advisor when necessary.
If the other party promises 'to freeze and compensate', you still need to be cautious — once it involves the judiciary, the compensation promise may not prevent your account from being investigated or frozen.
A long-term perspective is more important than short-term interests: protecting your bank channel is more important than a low-fee exchange.
