#数字货币市场洞察 Last week, a friend came to vent to me: 600,000 USDT had just been withdrawn from a platform to his bank card, and two hours later he received a text message—"Non-counter transactions have been suspended." The money was sitting in his account, but he couldn't move a cent.

He said he was completely stunned at that moment. The money he earned from the market didn't get lost in the volatility, but got stuck at the very last step. That feeling is even more frustrating than losing money.

A lot of people in crypto only focus on the price action, thinking that surviving the market swings is all that matters. But the real trap isn’t in the charts—it’s that you can’t actually withdraw the money you made.

The core issue is called "fund contamination." Simply put: someone uses dirty money to buy USDT, and after a few transfers, that money ends up in your account. On the surface, it looks like a normal transaction, but once the source gets into trouble, every account in the chain can be frozen.

Don't panic. Frozen funds don't mean you broke the law. If you can provide OTC trading screenshots, chat records, and transfer receipts, 90% of accounts can be unfrozen. But the process involves dealing with banks and coordinating with the police, which can take anywhere from a few weeks to several months—draining your energy and peace of mind. It's much easier to prevent problems than to fix them afterward.

Here are three practical tips:

First, open a separate card. Use it exclusively for OTC transactions—don’t mix it with your salary card or daily spending card. If it does get frozen, your living expenses won’t be affected.

Second, choose the right counterparty. Prioritize well-established merchants with high reputation scores and at least a year of trading history. Don’t risk it with a new account just to save a tiny bit on fees—it’s not worth the risk.

Third, pay attention to the details. For large amounts, split the transactions and operate during daytime hours (banks have better risk control during the day). After the money arrives, leave it in the account for three days to observe. Use reasonable descriptions like "payment for goods" or "technical consulting fee" in the transfer notes.

Making money in crypto takes skill, but keeping it safe in your pocket is real expertise. Don’t wait until your funds are frozen to think about remedies. Take care of these details in advance—it’s better than anything else you can do.