A couple of nights ago, a friend who has been following me for more than half a year suddenly sent a voice message, his voice trembling: “Bro, I just converted 600,000 U from the exchange into cash and transferred it to my card, and just two hours later, the bank sent a text saying ‘suspended non-counter transactions’ — all the money is frozen inside, even checking the balance is restricted!”
He said looking at the string of numbers in his mobile banking made his hands and feet cold. This money was accumulated after countless late nights and careful operations, not lost to the market, but stuck at the last step. This sense of powerlessness is more suffocating than a liquidation.
Many people enter the cryptocurrency market only thinking about how to survive in the market, but they overlook a more important lesson: how to safely put the money they earn into their own pockets.
The problem often lies in “fund contamination”: If there is a sum of money of unknown origin (such as from fraud or money laundering) that is converted into U, and after several transfers enters your account, even if you are completely unaware, once the upstream is investigated, all accounts on that funding chain may be frozen.
But don’t panic, freezing ≠ illegal. As long as you can provide complete transaction records (OTC screenshots, chat records, transfer vouchers), most situations can eventually be unfrozen. However, this process is time-consuming and labor-intensive; you need to go to the bank and cooperate with the investigation, and delays of several weeks or even months are common.
It is better to prevent in advance. I have three simple suggestions:
Dedicated card for dedicated use: Open a separate bank card only for deposits and withdrawals, never mix it with salary cards or living expense cards. In case of freezing, it won't affect basic living.
Choose the right merchants: Choose established merchants with high credit scores and long trading histories on the exchange, even if the price is slightly higher. Don’t save a few bucks by trading with inexperienced newcomers with low transaction volume; the risk is not proportional.
Details matter: Withdraw large amounts in batches, try to operate during the day, and after the funds arrive, let the money sit in the card for a few days before using it. When transferring, you can note reasonable purposes like “goods payment” or “technical service fee.”
In this market, being able to make money is a skill, but being able to keep the money safely is the real ability. The road is still long; first, survive, then steadily bring the money home. @luck萧
