A young couple transfers 250 yuan to each other as pocket money, writing 'Dogecoin' in the remarks, and as a result, both their bank cards were instantly locked by the bank, with money unable to enter or exit. The bank's explanation is: it triggered the virtual currency control system's automatic lockdown.
Although it's a small matter, the issues behind it are worth pondering! What exactly is the current banking system afraid of?
The bank now behaves like a 'startled antelope', fleeing at the slightest disturbance.
It's not that the banking system has gone crazy; it's that the environment has changed. During an economic downturn, money is like blood; not a single drop can be allowed to run amok.
Virtual currency trading is explicitly prohibited in the country because this thing resembles an 'underground river' where funds can leave at any moment, and there’s no way to stop it. So now the bank has received the strict order: it’s better to mistakenly freeze a thousand than to let a suspicious case slip through. You think you’re joking, but the system thinks you’re 'sending a secret signal.'
The most frustrating thing is not being frozen, but the most magical part of this matter: after the card is frozen, the bank requires you to prove 'this money is not for buying coins.'
How to prove?
It’s like when your mom finds a cigarette butt in your room, and you say you didn’t smoke it, she asks you to prove how the cigarette butt got there. Besides swearing, it seems you have no other way.
The current risk control logic is like this: the system first determines that you are 'guilty', and then you come to 'prove your innocence.' Marriage certificates, chat records, writing guarantees... After going through a set process, people are left bewildered.
In this era, you need to learn to 'live well under surveillance.'
Let’s be realistic, how can we use cards safely in the future? For the past year or two, I was either unfreezing my card or on the way to unfreeze it.
Remember the 'Three Nos and Three Musts':
[Three Nos]
Remarks should not be 'sensitive': Do not write any words related to virtual currency, digital currency, or trading coins during a transfer, including in Chinese or English, or puns. What you think is humor, the system sees as a red light.
Don’t be a 'human transfer station': If a friend asks you to help with a transfer or collect money? Absolutely don’t! Many scams now involve laundering money through 'clean accounts'; once your card is involved in a case, unfreezing it is harder than reaching the sky.
Don’t engage in 'fragmented transactions': splitting a sum of money into several transfers, or collecting money from a bunch of people and then transferring it out. In the eyes of the system, this action is simply the 'standard pose of money laundering.'
[Three Musts]
Remarks should be 'boring': Just write 'eating', 'buying groceries', 'paying you back', 'happy birthday'. The more ordinary, the safer.
The transaction flow should be 'clean': Try not to let your personal card frequently trade with a bunch of unfamiliar accounts. Keep your transaction objects simple and clear.
Stay 'calm' when frozen: First, ask the bank what kind of freeze it is (bank risk control or judicial freeze), prepare the required materials (contracts, chat records, etc.), and communicate rationally. Don’t argue; arguing is useless; the system doesn’t understand emotions.
So, whose 'fault' is this, really?
On the surface, it seems like a system misfire, but deeper down, it’s the bank’s 'self-protection' action under strict regulation. Looking even deeper, it’s actually that each of us has entered the 'digital transparency era.' Every transfer, every consumption, and even every note you make forms your 'financial persona.'
The system scores us using algorithms; if the score is low, the privileges are gone.
So, before transferring money in the future, keep in mind: does this statement stand up to scrutiny? Is the source of this money clear? This isn’t cowardice; it’s a 'new emotional intelligence' for survival in a digital society.
Lastly, let me say something heart-wrenching:
In the past, we used to say, 'People are doing, and heaven is watching.'
Now it’s: 'You are transferring, the system is calculating.'
Let’s discuss in the comments section:
Have you ever fallen into a trap because of a transfer? Do you have any 'card safety tips' that you’ve summarized by yourself?
Binance Square is also an algorithmic system; if you discover those functions, please share.
