The day before yesterday in the early morning, a trader suddenly sent a voice message, sounding very anxious: "I just exchanged 600,000 USDT from the exchange to cash and transferred it to my bank card. Just two hours later, I received a bank SMS saying 'Non-counter transactions are suspended,' and the money is frozen in the account—can't even check the balance!"

He stared at his mobile banking app for half an hour. The numbers still showed in the account, but his heart was already chilled. This money was earned through countless nights of watching the market, not lost in market fluctuations, but stuck at the 'final step of withdrawal.' That kind of disappointment is even worse than a direct loss.

Actually, many people entering the crypto market focus only on candlestick charts, thinking that holding through volatility is enough, but they forget a bigger pit—money earned but unwithdrawable. The root cause is 'funds pollution': someone uses scam or money-laundered black funds to buy USDT, which, after multiple transfers, ends up in your hands. It looks like a normal transaction on the surface, but once the upstream account encounters issues, all accounts in that chain of funds will be frozen.

But don’t worry too much; account freezing does not mean illegal activity. If you can provide proof such as OTC transaction screenshots, chat records with the counterparty, transfer receipts, etc., about 90% of accounts can be successfully unfrozen. The process requires visiting the bank, contacting police departments, and can take from a few weeks to several months—very time-consuming and exhausting. It’s better to take preventive measures in advance.

Here are three practical tips:

**First, get a dedicated "Crypto Circle Card"**: Use it exclusively for OTC transactions, and don’t mix it with your salary or daily expense cards. That way, even if it gets frozen, your daily life won’t be affected.

**Second, choose the right trading counterpart**: Preferably with a high reputation score and over a year of trading history. Don’t save a few bucks by dealing with new accounts—those small gains aren’t worth the risk.

**Third, pay attention to details**: Make large transfers in batches, preferably during the daytime (bank risk control systems operate more smoothly during the day), and observe the account for 3 days before proceeding further. Write reasonable transfer remarks like "payment for goods" or "technical consultation fee."

Earning money in the crypto market is a skill, but withdrawing it safely and securely is the real ability. Instead of waiting for an account to be frozen and then trying to fix it, it’s better to do these details now. Nothing is a better investment than proper precautions.