If you make a lot of money in the cryptocurrency circle and want to withdraw cash, will the bank ask about the source of the money?
Now that we are talking about this issue, let me tell you how to avoid this kind of risk control
Pay attention to a few points, so that you can effectively prevent your card from being frozen when collecting black money.
(1) For OTC transactions, try to choose large platforms such as Binance and OE. These platforms have good communication channels and risk control measures with mainland regulatory agencies and law enforcement agencies.
(2) Try to choose OTC platforms that support T+1/T+2 withdrawal strategies. Although cash cannot be withdrawn immediately after selling coins, it reduces the risk of suspected money laundering through OTC transactions. For example, trading Binance T+1 and Huobi Yanxuan (compared with free trading and T+2 withdrawal).
(3) Avoid directly using stablecoins such as USDT for OTC transactions, and try to use mainstream currencies such as BTC and ETH for OTC transactions.
(4) The bank card used for OTC transactions must be an independent card and not used for normal use. Therefore, it is separate from the salary card, so that even if it is frozen, it will not affect the use of other funds. Investigation, it is easy to explain the cash flow.
(5) OTC transactions should use local bank cards as much as possible, such as urban commercial banks and rural commercial banks in many places. Since large and medium-sized commercial banks and joint-stock banks such as Gongnong Zhongjiazhao have branches all over the country, law enforcement agencies can basically freeze them directly.
(6) Do not conduct regular transactions with ordinary merchants or ordinary users. If the same user makes more than three indirect purchases in one day, or sells them a few hours after purchase, it is suspected of money laundering, which is very dangerous.
(7) Find reliable OTC sellers for transactions. Try to actively accept orders from large traders and market makers, reduce orders, and avoid merchants in problem areas. In fact, as an ordinary user, it is difficult to distinguish which traders are trustworthy. For example, a large number of friends who deal with Huobi Blue Shield service merchants have also been frozen.
(VIII) Reduce the frequency of withdrawals and increase the amount of cash.
(9) After the OTC transaction is completed, please do not change to your other bank cards to avoid contaminating other funds and causing trouble for cooperating with the investigation. If you are in urgent need of money, you can withdraw cash through an ATM or spend online.
(10) Try to choose weekdays to collect cash.It is best to choose normal working hours such as weekdays to trade, such as 9:00 am to 9:00 pm to withdraw money.
(11) Do not transfer money immediately after receiving the payment. After selling USDT for RMB, do not transfer it out immediately, and keep it in the account for a period of time.
The above are some measures to avoid being frozen by bank risk control. So what should you do if unfortunately your funds are frozen?
How do we explain that the card is frozen to prove that we are not involved in money laundering?
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(1) Individuals who are involved in normal Bitcoin transactions and have nothing to do with money laundering and other transactions;
(2) Those who are unaware that the proceeds from the sale of coins are suspected of crimes;
(3) Cooperate and provide all transaction records, chat records, chain transfer records, etc.;
(4) You must be very clear that your digital asset transactions will not violate the law.
In OTC transactions, if the bank card for withdrawals is frozen by the police and the judicial system, what documents will the other party ask the individual to provide to unblock it?
The common information provided mainly includes: complete transaction records, such as bank card flow, on-chain transaction records, order records of trading platforms, WeChat chat records (including the content of the communication process), and other evidence that can prove the legitimacy of the transaction. Property, even proof of income, etc.
So what should I do if I unfortunately receive black money and my card is frozen?
First, go to the bank where you opened your account to find out the reason for locking the card and what the authority to lock the card is.
The reasons for freezing the card can be summarized into two categories, bank risk control and public security freezing
1. Bank risk control. The bank's risk control can be attributed to the recent frequent transfers of large-value cards, decentralized transfers to centralized transfers, centralized transfers to decentralized transfers, fast entry and exit, frequent night transactions and no balance in the account, collectively referred to as "large-value cards". Abnormal transactions. At this point, the bank's anti-money laundering risk control system was activated.
2. The police froze. Usually, the accounts that receive other stolen funds are directly or indirectly related to the case. The public security organs will stop payment and freeze all accounts involved in the case to prevent funds from being transferred and facilitate case investigation.
How to solve these two types of card freezing reasons?
1. Freeze and control bank risks
Bring your ID and bank card to the bank where you opened your account and submit relevant reconciliation certificates. If there are any policy instructions from the public security department, you must go to the local public security department to cooperate with the investigation.If the anti-cheating central model control is activated, you must fill out the anti-cheating application form according to the requirements of the anti-fraud agency, and the evaluation can be unfrozen only after the test is passed.
2. Handle the frozen police justice.
Observe the first 3 days. See if the suspension of payment will turn into a full freeze (the freeze is extended for half a year). If it is officially frozen, please go to the bank where you opened the account as soon as possible to ask the name of the police unit that froze the card, the case number, and the name of the case officer. Then contact the person in charge to find out the reason why the card was frozen and cooperate with the police investigation. After verification that you have not violated any laws or regulations, your account will be frozen.
In general, we should go to formal trading platforms as much as possible, find large merchants, and withdraw funds in batches after capital verification
I hope everyone's funds can be safely in their own hands
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