No, I use cards from other countries.

You've made a huge profit trading cryptocurrencies, earning a full 10 million, and you're happily thinking about quickly converting these virtual currencies into real RMB.

So, you start looking for merchants who can help you exchange USDT for RMB. After searching around, you finally find one that seems quite reliable.

You both agree that you'll transfer USDT to the exchange as collateral, and once the merchant sends the money to your account, you confirm the transaction, and the exchange will release the coins to the merchant. This sounds quite safe, right? But actually, there's a big problem here—you can't be sure whether the money the merchant gives you is clean!

You might think about checking the duration of fund accumulation, or getting the merchant to promise to freeze the card for compensation, or even finding an established currency dealer; that should be more reliable, right? But unfortunately, none of these are effective! Because the card freezing issue is like a time bomb; when it explodes depends on when the victim decides to report it.

The fundamental reason for card freezing is that you simply don't know where the money the merchant gives you comes from and whether it's clean. Even if there are no issues this time, months later, a previous transaction might be traced back and frozen due to its involvement in a case. Not to mention that the merchant's own bank card might also attract the attention of bank data risk control due to frequent fund inflows and outflows, and any cards that have transactions with the merchant could also end up in trouble.

If the inflow and outflow of funds in domestic bank cards are too frequent, inconsistent with previous trading habits, or if the funds come in and out quickly without retention time, it may also trigger the bank's risk control and lead to a direct freeze.

This matter, when you think about it, is quite simple: big data is just too powerful. Those who gamble online often use USDT to transfer funds, frequently buying and selling coins at exchanges, resulting in their bank cards being linked to those on the anti-fraud blacklist, which gets monitored by big data. And most currency dealers' bank cards are also high-risk accounts; if you deal with them too often, your bank card might also get labeled as fraudulent by big data. Making money is good, but you need to be cautious when converting it to RMB!