Core Risk: Black Money and Frozen Cards
Are the merchant's funds legitimate?
When you transact with U merchants, you cannot confirm whether the funds given to you are clean. This money may come from legitimate sources or may involve fraud, money laundering, or other illegal activities. If banks or relevant authorities trace these funds, your account may face freezing or even investigation.

Hidden Risks of Retrospective Freezing
The risk does not stop at the moment of transaction; even if the transaction appears normal now, it may be subject to retrospective freezing months or even years later due to the other party's historical funding issues. Some frozen card cases show that the time span can be as long as two years. Once your account is frozen, you need to provide sufficient evidence to prove the legitimacy of the funds, which is a complex and time-consuming process.

Big Data Risk Control Monitoring
Frequent inflows and outflows of funds by U merchants can easily trigger the bank's big data monitoring. After your account transacts with these high-risk accounts, it may be marked by the bank as a risk account, leading to restrictions or freezing.

Abnormal Account Behavior
If your account suddenly shows large transactions that are quick in and out, inconsistent with the usual flow of funds, the bank's risk control system will automatically trigger an alert. This situation can easily lead to account freezing.

Frozen Card Case Warning
The risks of frozen cards should not be underestimated. Here is a real case:
A friend completed a transaction with a U merchant two years ago, and at that time the funds seemed normal. However, due to the U merchant's historical funding being involved in a case, his account was frozen by the bank two years later. When he tried to appeal, he found that the exchange he had transacted with had shut down and could not provide the required transaction proof, resulting in irretrievable losses.

Such cases indicate that whether funds will be retrospectively frozen depends entirely on whether the victim reports the case at some point in the future or if the bank system triggers a retrospective investigation.

The Logic Behind Frozen Cards
Issues with U merchant accounts
Many U merchant bank cards are marked as high-risk accounts by anti-fraud centers due to long-term participation in high-frequency trading (e.g., USDT transfers, online gambling, etc.). Your funds being transacted with these accounts will be automatically associated.

The Chain Reaction of Funding
If black money accounts transfer funds to U merchants, and U merchants transfer funds to you, even if it's a third-party account, it may be subject to retrospective freezing by monitoring systems.

Abnormal Account Operations
Frequent large fund inflows and outflows are likely to trigger bank risk control. Especially if the funds flow is illogical and inconsistent with typical account records, it will provoke bank investigation.

How to Avoid Risks?
1. Choose Official Platforms
Prioritize reputable OTC platforms, such as official over-the-counter markets of major exchanges. These platforms will review merchant qualifications, significantly reducing the risk of black money involvement.

2. Withdraw in Batches
Withdrawing large amounts of funds at once can easily trigger risk control. It is recommended to divide the funds into multiple transactions at different times to avoid concentrated large inflows and outflows.

3. Pay Attention to Settlement Time
Do not immediately transfer out withdrawn funds; it is best to keep them in the account for a certain period to avoid being deemed as abnormal quick in and out behavior.

4. Avoid Frequent Transactions
Reduce multiple transactions within a short time and try to keep it consistent with daily fund flows, lowering the likelihood of triggering risk control.

5. Retain Transaction Proof
After completing a transaction, save all transaction records, including exchange records, U merchant payment screenshots, proof of fund sources, etc. These materials are crucial in appealing a frozen account.

6. Use Professional Cards
Reduce the use of your main personal bank card and consider using a dedicated bank card for cryptocurrency transactions to lower the risk of affecting personal accounts.

Why Are You Targeted by Big Data?
Characteristics of U Merchant Behavior
U merchant accounts are often used for high-frequency trading, and their funding sources are complex, making them easily marked as high-risk accounts by anti-fraud centers. Your account will be automatically associated when funds flow with these accounts.

Abnormal Personal Behavior
Big data risk control systems analyze the trading behavior of accounts. Sudden large transactions that are quick in and out, or transaction frequencies that far exceed normal levels, will be regarded as abnormal.

On-chain Risks
It's not just a simple issue of depositing and withdrawing coins on-chain, but rather the bank card being targeted by the anti-fraud center. This is due to high-frequency trading involving USDT, or transactions with other already marked accounts.

Consequences and Responses of Frozen Cards
Consequences

Account funds are frozen

Need to provide detailed proof of funds source

Investigation periods may last for months or even longer

Responses

Contact the bank immediately to understand the reason for the freeze

Provide complete proof of funds source and transaction records

Maintain good fund flow habits to avoid triggering risk control

Summary
The withdrawal phase is a critical step in converting cryptocurrency into real wealth, but it is also the riskiest part. Choosing compliant channels, diversifying transactions, retaining evidence, and paying attention to account operation habits are all effective ways to reduce risk. Instead of risking quick withdrawals, it is better to focus more on safety.

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