About withdrawals and bank cards, I’ve compiled some practical experiences and hope they can help everyone avoid pitfalls.

**Do banks really make things difficult for you?**

Honestly, the core purpose of a bank’s risk control system is not to hassle traders, but to prevent illegal activities like money laundering. If your funds are legitimate and your transactions are profitable, banks usually won’t proactively cause trouble. But there’s a prerequisite—you need to demonstrate "normal" activity through actual operations.

Imagine your account usually has little to no transaction flow, and suddenly you receive several large deposits in a short period. That will definitely trigger the risk control red line. The bank might freeze your account, ask for explanations about the source of funds, or even restrict transactions. So the key isn’t how much you earn, but how you plan the rhythm and method of your fund inflows. Consider withdrawing in batches, spacing out withdrawals to make your account activity look more natural.

**The biggest pitfall: accidentally receiving dirty money**

This is a point that must be warned about loudly. The greatest risk on the withdrawal path often doesn’t come from the banking system itself, but from funds with unclear backgrounds.

OTC (over-the-counter) trading markets have all kinds of people. Some sellers’ quotes are several percentage points above the market rate, which can be tempting due to the premium. But where does this money come from? It’s very likely "hot money" from frozen assets or illegal gains. Once you accept it, at best your card could be frozen for months, or worse, you could become involved in judicial investigations. Betting on such risks with a few points of exchange rate difference is simply not worth it. This is a lesson learned by countless veterans in the crypto world, paid for with real money.

**Reasonable pricing = the best protection**

Many newcomers tend to overlook this point: the transaction price must align with market rates. If the quote deviates significantly from the market price, either the other party has issues, or the money involved is problematic. There are no free lunches; behind abnormal gains, there are usually hidden risks. Choosing OTC trading partners close to market price is the most direct way to protect yourself.