I. Analysis of core risks
1. Risk of unknown source of funds
When trading with U-merchants, the legality of the funds cannot be confirmed. The funds may come from legal channels, or may involve illegal activities such as fraud and money laundering. Once illegal funds are involved, the account will face the risk of freezing and investigation when the bank or relevant departments investigate.
2. Risk of retroactive freezing
Even though the transaction may seem normal at the time, it may still be frozen retroactively months or even years later due to historical funding issues of the U merchant. As shown in some cases, the retroactive time span can be up to two years. After the account is frozen, the appeal requires sufficient proof of the legal source of funds, which is a complicated and time-consuming process.
3. Big Data Risk Control Risks
Frequent fund inflows and outflows by U merchants can easily trigger big data monitoring by banks. After transacting with them, one's own account may be marked as a high-risk account, leading to restrictions or freezing.
4. Abnormal Risks in Own Account
If the account suddenly shows large amounts of rapid inflows and outflows that do not match daily cash flow characteristics, the bank's risk control system will automatically issue a warning, which can easily lead to account freezing.
2. Analysis of Card Freezing Logic
1. Issues with U Merchant Accounts
U merchant bank cards are often marked as high risk by fraud prevention centers due to high-frequency trading (such as frequent USDT transactions, online gambling, etc.). Transactions involving them will be automatically associated.
2. Chain Reaction of Fund Flow
Black money accounts transferred to one's own account via U merchants can still be traced and frozen by monitoring systems, even if they are at the third level of the fund chain.
3. Operational Factors of Own Account
Frequent large fund movements, especially when the cash flow is illogical and inconsistent with daily records, will trigger bank investigations and account freezing.
3. Risk Avoidance Strategies
1. Platform Selection
Preferably choose reputable OTC platforms, such as the official over-the-counter markets of large exchanges. These platforms conduct qualifications reviews for merchants, reducing risks related to black money.
2. Withdrawal Methods
Avoid large one-time withdrawals; funds can be withdrawn in multiple smaller transactions over different time periods to reduce large concentrated inflows and outflows.
3. Settlement Time
Do not immediately transfer funds out after withdrawal. Retain funds in the account for a certain period to avoid abnormal fast in-and-out recognition.
4. Transaction Frequency
Reduce the number of transactions within a short period so that they align with daily cash flow, lowering the chances of triggering risk control.
5. Document Retention
After completing transactions, properly retain records from exchanges, screenshots of U merchant payments, proof of fund sources, and other transaction documents to provide key support for appeals against account freezing.
6. Dedicated Accounts
Reduce the use of personal main bank cards for cryptocurrency transactions and use dedicated bank cards to lower the impact on daily accounts.
4. Reasons for Big Data Monitoring
1. Characteristics of U Merchants
U merchant accounts often exhibit high-frequency trading and complex fund sources, making them easy targets for fraud prevention centers to mark as high risk; transactions with them are easily associated and monitored.
2. Own Anomalies
The big data risk control system analyzes account transaction behavior, and large rapid inflows and outflows or transaction frequencies far exceeding daily levels are regarded as anomalies.
3. On-chain Associations
This is mainly due to involvement in frequent USDT trading or transactions with already marked accounts, leading the bank card to attract attention from fraud prevention centers, rather than purely issues related to on-chain deposits and withdrawals.
5. Consequences and Responses to Card Freezing
1. Consequences
Account funds are frozen, and detailed proof of fund sources must be provided; the investigation period may last for several months or even longer.
2. Response
After account freezing, contact the bank immediately to understand the reason, provide complete proof of fund sources and transaction records, and maintain good fund flow habits to prevent triggering risk control again.
The withdrawal phase is a key and high-risk step in converting cryptocurrency into real wealth. Measures such as using compliant channels, diversifying transactions, retaining evidence, and standardizing account operations can effectively reduce risks. Emphasis should be placed on security assurance to avoid risky and quick withdrawal actions.#加密用户突破1800万
