Example 1: Selling U gets bitten back by 'dirty money' (most common)


Background:

Xiao Zhang sells USDT on a trading platform (OTC), with an order of 10,000 U.

The buyer paid quickly using a bank card transfer.


Process:


  • Xiao Zhang confirms receipt → Releases currency


  • 2 days later, the bank card was suddenly frozen


  • Bank notification: 'Suspected of receiving fraud-related funds, cooperate with police investigation'




Truth:


  • The buyer used the money of the fraud victim


    Funding chain:



    Fraud victim → Buyer's bank card → Xiao Zhang's bank card


  • Although Xiao Zhang is a normal transaction, he is considered a 'transitional receiver' in the funding path



Result:


  • Bank card frozen for 3–6 months


  • Need to provide materials: transaction records, chat records, platform order screenshots


  • U is already gone, and the money can't be used for now

Example 2: Bought U using a 'problematic card', account freeze for the whole family


Background:

Xiao Li wants to buy U and found a seller with a 'particularly attractive price'.


Process:


  • Transfer to buy U → Successful arrival


  • One week later:


    • Bank card frozen


    • WeChat / Alipay risk control restrictions


    • Other cards under your name have been 'warned'




Reason:


  • The seller's card itself is a scoring card / black card


  • Xiao Li's transfer was marked as 'related transaction involving a case'




Result:


  • Not just one card suffers


  • Unfreezing requires repeated explanations of 'why buy virtual currency'

Two, Why buying and selling U is easy to get frozen? (Core logic)


In summary:



Banks/police don’t care if you are innocent, they only look at whether there are issues with the funds



Key 3 points:


  1. USDT is a high-risk keyword


  2. Dirty money must flow to OTC


  3. Frozen is 'the people who handled the money', not 'the bad people'




Three, Unfreezing guidelines (the key points)


✅ 1️⃣ Use a 'dedicated card' for U transactions (survival baseline)


Never use:


  • Salary card


  • Mortgage / car loan repayment card


  • Social security / housing fund binding card





✅ 2️⃣ Amount should not be too 'standardized'


Dangerous operation:


  • 5000, 10000, 20000 (risk control's favorite)



Relatively safe:


  • 4970, 9830, 19640


  • Split into multiple transactions, not consecutively arriving within seconds



✅ 3️⃣ Do not trade with 'perfect buyers/sellers'


High-risk characteristics:


  • New account


  • Few transaction records


  • Price obviously higher/lower than the market


  • Less talk, urgent pressure, copycat scripts



In short:


Too smooth transactions are often the most dangerous



✅ 4️⃣ Never write these words in notes


❌ Prohibited words:


  • USDT / U


  • Virtual currency / digital currency


  • Coin / transaction



✅ Available:


  • Payment for goods


  • Service fee


  • Transaction funds

    (Don't be too specific)





✅ 5️⃣ Keep evidence! Keep evidence! Keep evidence!


Must save:


  • Platform order screenshots


  • Chat records


  • Transfer records


  • Counterparty nickname + UID


Once frozen, these are your 'lifesaving materials'



✅ 6️⃣ Correct response after being frozen


Never:


  • Randomly call the bank's customer service


  • Blindly admit 'speculating on currency'


  • Make up stories




Correct process:


  1. Ask clearly: Bank freeze or judicial freeze


  2. Need freeze document / freezing agency


  3. Prepare materials

  4. Process, don’t force it




@Plasma $XPL #plasma