#密码资产动态追踪 A friend who has been trading long-term recently experienced something that surprised everyone in our chat group. He suddenly sent a voice message early in the morning saying he had just exchanged 600,000 USDT from a certain exchange into cash and deposited it into his bank card. Two hours later, he received a message from the bank — "Over-the-counter transactions have been suspended." The money still shows in the account, but he can't move a single cent, and even checking the balance became a problem.

He stared at the mobile banking interface for half an hour; the numbers didn't change, but his mood had already cooled down. This money was earned by staying up late watching the market, and it was about to be safely tucked away. But it got stuck at the last step. This feeling is even more painful than losing money directly in the market.

This incident hits many people's pain points. We tend to focus on the rise and fall of K-line charts in the crypto world, thinking that as long as we withstand the volatility, everything is fine. But what's even more insidious than losing money directly is — earning the money but being unable to withdraw it. The root cause is called "funds pollution": some people use dirty money obtained through scams or money laundering to buy USDT. This money circulates a few times in the market, appearing as normal transactions on the surface. But once upstream issues lead to police investigations, all accounts in the entire fund chain will be frozen. You might not have committed any illegal acts but still get caught up in it.

But don't be too pessimistic; having your account frozen doesn't mean you're illegal. As long as you can provide screenshots of OTC transactions, chat records with counterparts, and complete transfer receipts, in 90% of cases, the bank will unfreeze your account. However, this process involves running around the bank, coordinating with police, and preparing documentation. It can take weeks or even months, which is both exhausting and stressful. Instead of being passive and reactive, it's better to take preventive measures in advance.

From this incident, I’ve summarized three practical tips:

**First, open a dedicated card solely for OTC transactions.** Don't mix it with your salary or daily spending cards. This way, if the OTC channel gets frozen due to risk control, it won't affect your daily expenses or salary deposits. This is the most basic isolation strategy.

**Second, don't be greedy when choosing trading counterparts.** Prioritize reputable merchants with over a year of trading history. Even if they are more expensive, avoid new accounts or new shops. Saving a few bucks might seem tempting, but the risk of freezing your card could amount to hundreds of thousands, which is not worth it.

**Third, handle details carefully.** Make large transfers in batches, preferably during the daytime (bank risk control logic is more transparent during the day). After the transfer, wait three days to observe. Don't write "cryptocurrency" in the transfer remarks.