The bank will conduct a comprehensive verification of your identity information, including name, ID number, address, contact information, etc. The authenticity of this information will be confirmed through official channels, such as the ID verification system and the corporate credit information network. For example, for individual customers, it is necessary to check whether the ID card they provide is valid and whether it is forged or used fraudulently; for corporate customers, it is necessary to verify the company's registration information, legal representative identity, business scope, etc.
In addition to basic information, we will also have a deeper understanding of your occupation, source of income, business status, etc. For example, for an individual client who claims to be a corporate executive, we need to verify the size, industry status, financial status, etc. of his company to determine whether his income is consistent with his position. For corporate clients, we need to investigate their upstream and downstream partners, transaction models, capital turnover, etc. If the client's source of funds does not match the claimed background, there may be a suspicious situation.
Investigate the related parties of the clients, such as family members and associated enterprises. Therefore, when you are being monitored, there must be many risk points. It is not enough to just randomly find someone online and screenshot a few game equipment trading pictures to pass through; it's just that they don’t want to dig deeper.
Ordinary people, as long as you use it normally in your daily life and work, will not trigger these systems at all. Abnormal changes in transaction amounts and frequencies may trigger them. For instance, if you are a laborer and you usually have small transactions, just eating a pig's foot meal for ten or twenty yuan, but suddenly decide to go all-in in the cryptocurrency market and make large transactions or significantly increase transaction frequency, this will trigger the first stage of alerts, especially if there is no reasonable explanation—such as no large promotional activities or new business cooperation. At this point, you still won’t be directly controlled.
The flow of your funds should not have unreasonable situations. For example, if funds are frequently and rapidly transferred between multiple accounts, and there is no obvious economic connection or reasonable transaction background between these accounts.
Or if funds flow to high-risk areas or sanctioned countries, such as offshore financial centers with high money laundering incidents or areas with terrorist activities. This is why many people in the cryptocurrency world say that transferring out and bringing it back is highly unlikely; they are just talking nonsense.
Additionally, if the nature of the account does not match when funds flow in and out, it will also raise suspicion, such as personal funds flowing significantly into corporate accounts for non-operational purposes.
If there are abnormal situations regarding the time and place of your transactions, such as conducting large transactions during non-business hours, or if clients frequently transact at multiple outlets in different regions or even different countries, and these transactions lack reasonable business or personal reasons. If a client frequently conducts cross-border transfers late at night and the transfer amounts are significant, it is necessary to investigate the true purpose of these transactions.
This is why many people encounter protective payment stops when they are trying to increase their scores at night. If your account that is trying to increase scores happens to be a fraud-regulated account, and you transfer money to someone in the middle of the night, if you are not flagged by fraud prevention, who will be?
You must clearly explain the purpose of the transaction without ambiguity or contradictions; this may be a sign of suspicious funds. For example, if you make a large fund transfer claiming it is for purchasing goods but cannot provide detailed information about the goods, such as brand, model, supplier, etc., or if the information provided does not match reality, or if the transfer amount is vastly different from the price of the goods, problems will arise; it is best to annotate every real transaction.
If you sell virtual currency, you must first ensure the safety of your funds, then avoid quick entries and exits; just keep it normally. Do not participate in online gambling, etc.