The bull market is here, and it's time for the New Year. Everyone should also withdraw funds for spending. I don't understand OTC, but from what I know, there seems to be a so-called safer method for withdrawing funds.

Open a card with ZA Bank or another bank in Hong Kong; ZA is relatively easy to set up, and it can be done via a mobile phone. Then, sell it for Hong Kong dollars at an offline store, and the safest way is to sell it for cash and then deposit it into a bank card via an ATM. In mainland China, you can link it to WeChat or use its physical Visa card for spending.

Hong Kong can also freeze cards, so there are two points to note: first, do not engage in too frequent transactions; second, pay attention to maintaining the card, using it regularly for daily expenses instead of just for withdrawals and deposits.

It seems that exchanges also offer VISA/MasterCard now, but I haven't used them much. I directly spend in USD and don't know much about the safety factor and transaction fees.