我們的內部合作伙伴在3年前就發現了它，但還沒有發生任何事情，如圖所示。

注意幾點，可以有效防止收黑錢時卡被凍結。

（1）場外交易盡量選擇幣安、歐易等主流平臺。

這些平臺與內地監管機構和執法機構有良好的溝通渠道和風險控制手段。

（2）盡量選擇支持T+1/T+2提現策略的OTC平臺。

雖然售幣后現金無法立即提取，但通過場外交易降低了涉嫌洗錢的風險。

例如，交易幣安T+1和火幣精選（對比免費交易和T+2提現）。

（3）避免直接使用USDT等穩定幣進行OTC交易，盡量使用BTC、ETH等主流幣種進行OTC交易。

（4）用于OTC交易的銀行卡必須是獨立卡，不用于正常使用，因此與工資卡分開，這樣即使被凍結，也不影響其他資金的使用。

調查一下，現金流很容易解釋。

（5）對于OTC交易使用的銀行卡，盡量使用當地的銀行卡，比如很多地方的城市商業銀行、農村商業銀行。

由于像工農仲家招這樣的大中型商業銀行和股份制銀行在全國各地都有分支機構，執法部門基本上可以直接凍結。

（6）不與普通商戶或普通用戶進行常規交易。

如果同一用戶一天內間接購買次數超過3次，或者購買幾個小時后就賣出，就涉嫌洗錢，這是非常危險的。

（7）尋找可靠的OTC賣家進行交易。

盡量積極接受大型貿易商和做市商的訂單，減少下單，避開問題地區的商戶。

事實上，作為普通用戶，很難區分哪些交易者是值得信賴的。

比如，大量與火幣藍盾服務商戶打交道的朋友也被凍結。

（八）減少取款頻率，增加現金數額。

（九）OTC交易完成后，請勿更換為自己的其他銀行卡，以免污染其他資金，給配合調查帶來麻煩。

如果您急需用錢，可以從ATM機提取現金或網上消費。

(10) Try to choose a working day to collect cash. It is best to choose to trade during normal working hours like weekdays, such as withdrawing coins from 9:00 am to 9:00 pm.

(11) Please do not transfer money immediately after receiving payment. After selling USDT into RMB, do not transfer it out immediately. It should be kept 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 the card being blocked to prove we are not involved in money laundering?

(1) Individuals who are involved in normal Bitcoin transactions and have nothing to do with money laundering and other transactions;

(2) Not knowing that the proceeds from the sale of coins are suspected of committing a crime;

(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 be illegal.

In over-the-counter transactions, the bank card used to withdraw funds is frozen by the police and the judicial system. What documents will the other party require the individual to provide to unblock it?

The common information provided mainly includes: complete transaction records, such as bank card transactions, on-chain transaction records, order records on the trading platform, 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 you do if you unfortunately receive black money and your card is frozen?

First, go to the bank where you opened your account to find out why the card is locked and what the authority is.

The reasons for card freezing 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, rapid entry and exit, frequent night transactions and no balance in the account, collectively referred to as "large-value cards". Unusual transactions. At this point, the bank’s anti-money laundering risk control system was launched.

2. The policeman froze. Often, accounts that received other stolen funds are directly or indirectly related to the case. The public security organs will stop payments and freeze all accounts involved in the case to prevent fund transfers and facilitate case investigation.

How to solve the reasons for freezing of these two types of cards?

1. Freeze and control bank risks

Bring your identity document and bank card to the bank where you opened your account and submit the relevant reconciliation certificate. If there are policy instructions from the relevant public security department, you must go to the local public security department to cooperate with the investigation. If the anti-fraud central model control is activated, the anti-fraud application form must be filled in according to the requirements of the anti-fraud agency, and the evaluation cannot be unfrozen until the test is passed.

2. Deal with freezing police justice.

3 days before observation. See if the payment moratorium turns into a full freeze (with the freeze 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 for the name of the police unit that frozen the card, the case number and the name of the person handling the case. Then contact the person in charge to find out why the card was frozen and cooperate with the police investigation. After verification that you have no illegal behavior, your account will be frozen.

In general, we should try our best to use formal trading platforms, find big merchants, and only after capital verification can we withdraw funds in batches.

I hope everyone’s funds can be safely in their own hands! Slowly accumulate trading experience and insights in the currency circle. After several rounds of bulls and bears, you will become a multi-millionaire!

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