A few days ago in the early morning, a friend who had been following me for more than half a year suddenly sent a flood of voice messages, sounding extremely anxious: "Bro, I just converted 800,000 USDT from the exchange into cash and transferred it to my bank card, and just two hours later, I received a bank text that said, 'Non-counter transactions have been suspended.' The money is frozen in the card, and even checking the balance is a struggle!"

He said he stared at his mobile banking for half an hour, the number was still there, but his heart had turned cold. After all, this money was earned after countless nights of watching the market, not lost in the market fluctuations, but stuck at the 'final withdrawal step.' This sense of disparity is even more painful than losing money.

In fact, many people enter the crypto world only focusing on the ups and downs of K-lines, thinking that as long as they can withstand market fluctuations, everything will be fine, but they forget that what's worse than losing money in the market is—money that has been earned cannot be taken out. The core issue is 'funds pollution': for example, if someone uses money obtained from fraud or money laundering to buy USDT, this money goes through several transfers to reach you. On the surface, it looks like a normal transaction, but once the upstream issues arise, all accounts in the entire funding chain will be frozen.

However, everyone shouldn't panic; freezing does not mean illegal activity. As long as you can provide OTC transaction screenshots, chat records with the counterparty, and transfer receipts, 90% of accounts can be unfrozen. But this process requires running to the bank and coordinating with the police, taking at least a few weeks to several months, which is exhausting and frustrating, and it's much better to prevent it in advance.

Here are three practical suggestions:

1. Open a separate 'crypto-specific card': specifically for OTC transactions, do not mix it with salary cards or daily spending cards to avoid affecting your living expenses during a freeze;

2. Choose the right trading counterpart: prioritize older merchants with high reputations and at least one year of trading history. Don't be tempted by a few cents of price difference to find a new account; the risk is simply not worth it;

3. Don't be careless about details: transfer large amounts in batches, try to operate during the day (the bank's risk control is clearer during the day), observe for 3 days after the funds arrive, and write reasonable purposes like 'goods payment' or 'technical consultation fee' in the transfer remarks.

Being able to make money in the crypto world is a skill, but being able to safely pocket that money is true ability. Don't wait until your funds are frozen to think about remedies; it's much better to take care of these details in advance than anything else.

Someone asked me if I am willing to guide newcomers, and I always say: my light is always on, and those who are willing to walk towards the light and learn diligently will naturally see it. #加密市场观察 $BTC