I received a sudden phone call, claiming to be from the public security bureau, saying that your bank card is involved in a money laundering case and requiring immediate verification of transaction records. Even after years in the crypto world, this kind of situation still makes your heart tighten.

But the key point is: don't lose your composure. The more frightened you are, the easier it is to slip up and reveal information, which could cause trouble for yourself. Actually, as long as you understand a few key points, you can cooperate with the investigation without unnecessarily implicating yourself.

**Step 1: Clarify whether virtual currency transactions are legal**

Personal buying and selling of virtual currencies is not illegal under the law. If someone asks whether your transactions are compliant, you can confidently reply: "All my operations are conducted on legitimate exchanges, just normal personal transactions." The main point is to let the other party understand that you are not a criminal, but an ordinary market participant. The issue is not the buying and selling itself, but whether the source of the funds is clean.

**Step 2: If refunds are involved, stay calm first**

Suppose the police point out that the money you received might be problematic and ask for your cooperation, the best attitude is to actively cooperate. You can directly say: "I fully understand, all transaction records and transfer receipts can be provided, whatever needs to be done." Then decisively show transfer screenshots, transaction details, and other evidence. The more thoroughly you cooperate, the faster the matter will be resolved, and the less likely it is to involve your other accounts. Conversely, stubbornly resisting can turn a small issue into a big one.

**Step 3: Understand freezing rules and prepare for long-term responses**

There is an important detail here: if you are deemed to have actively participated in illegal activities, your entire account system could be frozen. But if you unintentionally received problematic funds, usually only the card that received the money will be frozen. The good news is, as long as your attitude is cooperative, records of your cooperation with the investigation will not leave a criminal record.

**Prevention is always better than cure**

Every transfer in the crypto world may hide risks. Therefore, always develop the habit of "three checks": check whether the other party's account is real-name verified, check for suspicious signs in transaction records, and verify whether the wallet address itself is trustworthy. These seemingly tedious details are often the difference between a stable trader and someone caught in a trap.

In the virtual currency market, staying cautious is far more important than chasing quick profits. Protect your account security, avoid trouble, and that is the key to long-term survival.