What are the biggest fears in the crypto world? Market crashes? Liquidation? No, it's none of those. The most suffocating thing is when you can't withdraw the money you've worked hard to earn—OTC converted to fiat and deposited into your bank card, only to find your account instantly frozen, and you can't touch a single cent.

Recently, a friend came to me, voice trembling—he exchanged 500,000 USD via OTC for fiat, and before he could even warm up the funds, the bank's risk control froze his account, suspending all non-counter transactions. What's even more heartbreaking is that he didn't do anything illegal; his account was linked to a suspicious fund chain, and he became a "transit point." The police froze his account first, then investigated.

The money isn't lost, but it's hanging there—this feeling is more tormenting than liquidation.

Don't worry too much; most of these situations can be handled. Cooperate actively with police investigations, prepare transaction records, chat screenshots, transfer receipts, and prove your innocence, and the account will be unfrozen. But this process takes time and patience.

So how can you avoid this? Simply put, it boils down to four words: cautious selection.

My own approach is to use dedicated cards—have a separate bank card solely for OTC withdrawals, never use it for daily expenses, and definitely not transfer funds to family or friends. When choosing partners, be very selective—only work with long-term, reputable partners, and don't take risks just for a small difference in price. For large withdrawals, I split them into batches, and after the funds arrive, I don't rush to move them; I let them sit for two days before transferring.

Ultimately, making money is only the first half; how to safely put the money in your pocket is the real skill. In the crypto world, it's not just about technology and vision, but also about maturity and risk awareness. Being able to protect your profits is the true mindset of a seasoned player.