This guide summarizes 6 common methods and 8 risk prevention points to help you quickly clarify the response rules.
Preferred: Alipay / WeChat for receiving payments
Why are Alipay and WeChat the optimal choices? The core lies in their strict source risk control mechanisms. As third-party payment platforms, Alipay and WeChat have far stricter reviews for the party transferring funds (the one issuing RMB) than banks:
If there are abnormal transactions or large flow anomalies in the other party's account, the transfer operation will be directly intercepted by the platform, fundamentally reducing the possibility of receiving 'dirty money';
Before the transaction, be sure to verify key information: the real-name information of the other party's WeChat / Alipay must completely match that of the transaction counterpart and the platform's KYC certification information. Once a mismatch is discovered, immediately stop the transaction. This is your obligation to review funds and a key to mitigating risks.
The risk control logic of third-party payment platforms tends to favor 'pre-interception', which can help you filter out illegal funds to the greatest extent; it is the preferred payment channel for USDT withdrawals.
Alternative: Bank card payments
The risk of receiving payments via bank cards is much higher than that of Alipay and WeChat, with the core issue lying in the differences in transaction logic between banks.
Banks focus more on the efficiency of fund circulation, usually 'arriving first, investigating later'. Even if what you receive is 'dirty money' from telecom fraud or illegal transactions, it will first enter your account; when subsequent checks reveal problems, you will become a direct associate.
Once it involves 'aiding and abetting' or 'concealing criminal proceeds', you not only have to refund the entire amount involved but may also face legal consequences. Banks often do not bear primary responsibility in such cases, and the risk is entirely transferred to the payee.
If it is indeed impossible to use Alipay / WeChat and you must receive payments via bank card, be sure to keep complete transaction proofs, strictly verify the other party's identity information, and avoid receiving large unfamiliar transfers to reduce the risk of involvement.
Firmly avoid: Cash transactions
Cash transactions are a 'high-risk area' for USDT withdrawals and must be firmly avoided! The reason is clear:
Cash transactions cannot trace the source of funds, and you cannot verify whether the money comes from illegal activities such as telecom fraud. Even if the other party claims the funds are 'legal', there is no evidence to support that.
From a legal perspective, offline cash transactions are highly likely to be deemed as 'failure to fulfill fund review obligations'. In judicial practice, once cash is involved with illegal funds, the payee is easily recognized as 'knowing or should have known that the funds are not clean', thus committing aiding and abetting or concealing criminal proceeds, facing criminal penalties.
Many payers in cash transactions may themselves be victims of telecom fraud, unknowingly giving you the scammed money, while you bear legal responsibility for this 'dirty money'.
Summary: Core principles of safe payments
Remember the order of safety for receiving USDT withdrawals: Alipay / WeChat > Bank card (use cautiously) > Cash transactions