If retail investors are frozen for selling U coins, do banks have the right to intervene in your funds?
Recently, we have received another consultation case about retail investors being frozen by banks after selling U coins on the Binance platform. Although this type of problem is not common, it has indeed attracted widespread attention.
A fan reported that he successfully sold 4,000 U coins on the Binance platform, but his funds were frozen by the bank. After submitting relevant information to the bank and explaining the situation of selling coins, the bank informed him that the sale of coins was illegal and he needed to go to the public security agency to issue a legal certificate. What puzzled him even more was that another amount of more than 30,000 yuan was also intercepted by the bank system for the same reason.
In this case, there is a high possibility that the funds will be marked as stolen money, and they may have been traded unidentified many times. Once the bank's data system finds these marks, the bank will take freezing measures to protect the safety of customer funds. However, the bank's practice of requiring customers to go to the public security agency to issue a legal certificate on their own is actually unreasonable. Customers do not need to prove their innocence, but the competent authorities should determine whether there is any illegal behavior.
Faced with this situation, customers can take positive measures to protect their rights and interests. First, you can ask the bank staff whether their remarks represent the position of individuals or banks, and emphasize that personal selling of coins is not illegal. At the same time, ask the bank to provide a review form of fraudulent accounts and accompany them to the anti-fraud center to sign and seal so that the control can be lifted as soon as possible.
Although banks play an important role in maintaining financial security, they should also follow relevant laws and regulations and respect the legitimate rights and interests of customers when dealing with similar issues. For retail investors, in the process of digital currency transactions, they must act cautiously, choose a formal platform, and avoid unnecessary disputes.
If you want to resolve the matter gently, you can seek the assistance of the bank, provide relevant supporting materials, and actively cooperate with the review work of the anti-fraud center. While safeguarding their own rights and interests, it also promotes the healthy development of digital currency transactions.
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