Recently, many friends have privately asked me: 'If I want to exchange USDT for RMB, how should I receive the money to avoid trouble?' This question is indeed crucial. If the payment method is not chosen correctly, the account may be frozen at best, or at worst, you could get into unnecessary trouble, even if you are just trading normally; it may not be easy to explain.

Today, let's use the simplest language to clarify how ordinary people can safely receive money when cashing out USDT.

✅ Preferred method: Alipay or WeChat (most down-to-earth and safest)

Why mention these two first? Because they have a common characteristic: risk control is done in advance.

When paying with Alipay or WeChat, the system will first determine whether the other party's account is clean. If the other party's transaction history has issues or has been flagged for risk, the transfer is very likely to fail.

It's like having a security check before entering — problematic individuals can't even touch your account.

But one thing to remember: verify the real-name information!
The real name on the other party's Alipay or WeChat must be exactly the same as the name they are certified with on the trading platform.
If it doesn't match, no matter what they say, don't continue. It's better to do one less deal than to take this risk.

In simple terms, using Alipay or WeChat is equivalent to letting the platform filter out a wave of risks for you, which saves you worry.

⚠️ Alternative option: Bank card (can be used, but be extra cautious)

The risk control thinking of banks and payment platforms is quite different:
Many banks operate under the principle of 'money arrives first, problems will be discussed later.'

This means that if the money received from the other party is related to illegal activities or fraud, it will still arrive in your account first. By the time the risk control system or police respond, your account may have already been involved.

What situations might arise?

The card is frozen, and the money inside cannot be moved;
Money that has already arrived may need to be refunded in full;
Severe cases may even involve you in 'aiding and abetting' or 'concealment crimes' — even if you are unaware, it can be difficult to explain.

If you really need to receive payments via bank card, be sure to do the following:

Only transact with trustworthy people whose identities can be confirmed;
Save all chat records, transfer screenshots, and the other party's identity information;
Avoid unfamiliar accounts, especially those with a single large amount.

Remember: banks will not guarantee your transactions; if something goes wrong, you have to bear the responsibility yourself.

❌ Absolutely avoid: cash transactions (seemingly safe, but actually a big pit)

Some people think meeting offline and using cash is the safest? Wrong, it's actually the highest risk.

The reason is:

You cannot judge the source of cash, whether it's clean relies entirely on the other party's word;
Once something goes wrong, when the police ask you where this money came from, it will be hard for you to prove that you were unaware;
In reality, there have been many cases where sellers receiving cash were eventually deemed responsible, while the scammer had already disappeared.

Never believe in the saying 'cash leaves no trace'; this is often a common tactic used by money laundering groups.

📌 To summarize the core principles:

If you can use Alipay or WeChat, you don't need a bank card;
If you must use a bank card, be sure to keep all evidence;
Cash transactions, just refuse directly.

When it comes to money, one careless mistake can have long-lasting effects. In the cryptocurrency world, safety is always more important than speed, and compliance is always more worthy of attention than making more money.

I hope these reminders can help you stay more alert during transactions, protect your money, and maintain a peaceful life.