Comprehensive Summary of All Knowledge Points on OTC Deposit and Withdrawal (Must Collect)
I: How to Choose a Merchant
II: Withdrawal Precautions
III: How to Avoid and Resolve Bank Risk Control (Detailed Tutorial)
IV: Bank Card Freezing Appeal (The Most Detailed Tutorial on the Internet)
V: Is Cash Trading U Reliable? Risk Points
I: How to Choose a Merchant
Note: This only reduces your risk; it does not guarantee that your account will not be frozen.
1: You must choose a real-name merchant for transactions (anyone claiming they were frozen and asking for relatives to transfer, or calling you to change merchant accounts, should be passed).
2: Try to choose an OTC platform that requires T+1 for withdrawals after buying coins (Binance is recommended). Although you cannot withdraw immediately after buying coins, you are selling coins, which can eliminate many risks.
3: Choose large-scale or trusted merchants (they require a higher margin).
4: The longer the merchant has been trading, the better; the more total transactions, the better.
II: Withdrawal Precautions
1: Open several new bank cards, only to receive U funds. Do not keep too much in each card, and do not cross-use cards. Even if one card is frozen, it will not affect the others.
2: Do not withdraw all at once if you have too many funds; you will definitely be subject to risk control, and U merchants will not cooperate with you to resolve it, which will be troublesome.
3: When withdrawing, do not just look for the highest price. Consider real-name verification, years of operation, margin, and transaction volume; these factors are still somewhat useful.
4: When withdrawing, be sure to keep records, including chat records, U transfer records, and order records. Do not just rely on any guarantee group; keep evidence of your withdrawal.
5: If your card is still frozen, do not panic. Just explain the situation honestly and clearly. Do not be afraid; selling U is not a crime. Do not admit guilt unnecessarily; at most, you might be detained for 37 days (because scaring you is a normal recording process, so there is no need to worry).
6: If your card is frozen and you are asked to refund, do not panic or rush. Contact me immediately, and I will negotiate with the police through legal channels. It is possible to negotiate with the victim for a refund or not.
III: How to Avoid and Resolve Bank Risk Control
Most bank card risk control issues stem from the following points:
● Every day, dozens of people from all over the country transfer money to you, and you transfer it out again shortly after receiving it. (Receiving funds triggers risk control for dispersed inflow and concentrated outflow.)
● You receive a large remittance and then transfer it out to dozens of people in different regions within minutes. (Payment card triggers risk control for concentrated inflow and dispersed outflow.)
● You are afraid of being frozen, so you send a small red envelope to test the card before each receipt. (Triggers risk control for small test transactions before large transactions.)
● Online gambling deposits or purchasing virtual currencies. (If the other party's account has risk involvement, you will be warned in reverse.)
● Receiving unknown funds and judicial freezing for three days. (Bank high-risk list.)
● If there are five cards under your name being investigated by authorities. (Listed on the bank's high-risk list.)
● Frequent large withdrawals (such as late-night withdrawals).
● Frequent rapid transactions.
…
All of these behaviors can trigger bank card risk control, leading to direct non-counter transactions because bank staff are too busy to deal with nuances and will directly impose risk control, suspending non-counter transactions. One day, you may find that your card cannot be used for transactions, leaving you confused. You search on Baidu or Zhihu, and all you see is that you can resolve risk control by bringing transaction records to the bank.
Can I explain the transaction records clearly, and will the bank still impose risk control on me?
Here are the solutions (there are many; it is recommended to refer to them when you encounter issues, haha).
Non-counter transactions aim to control risk. As long as you can provide a legitimate reason, eliminate your suspicions, and convince bank staff that you are a good citizen with legitimate work and net assets, and that you are not doing anything wrong, the risk control will naturally be lifted.
How to resolve it? You need to prepare your materials.
Materials include a situation explanation (the most important). You need to explain it once, but others may not remember. If you change staff, you will have to explain again. The most efficient way is to have documentation.
You need to have a legitimate job (own business, individual business, etc.), home address, and identity information.
Make them believe you are a good person, and you must clearly explain your transaction situation. Do not lie; they have many ways to verify your actual transaction situation. I used to tell them I was trading coins directly.
Is trading coins illegal?
No, it is not. Understand this clearly.
When you receive a call from the bank, you become scared. Will I be arrested? If you act timidly, you will appear to be doing something wrong. Bank tellers assess your demeanor and assets to determine if you are a wealthy, normal person.
So, in many cases, if you are timid and have little or a lot of funds, when you try to lift the risk control, bank staff may refuse to process your withdrawal and other services, citing reasons like total control from headquarters, etc., and impatiently tell you to go to the anti-fraud center for a stamp.
The bank is a commercial institution and does not have the authority to freeze your bank card or prevent you from withdrawing money. There is a significant bug here: bank staff cannot view your transaction records without your authorization.
Customer card balances and current transaction details are classified as private information, and no one can view them alone. If they need to check, they must have authorization from a high-level person.
Therefore, when your card is abnormal, it is certainly due to abnormal transactions, and if bank staff impose risk control without conducting due diligence, that process is incorrect. This is the first bug.
Why do they dare to impose risk control? Because they privately viewed your transaction records, this is the second violation, the second bug.
Due diligence is necessary; if they impose control without due diligence, it is also a violation.
So, when they try to mislead you, you need to fight back. How to fight back? You need to obtain evidence that they privately viewed your transaction records. For example, if they ask you about a specific transaction, it proves they checked your records privately.
However, experienced bank staff will tell you: come to the bank and print a transaction record to see if there are any anomalies. This is their way to bypass the issue; if you input your password and print the record, you have authorized it.
So you need to be clever. If they ask you to explain your transaction records, that is illegal.
Sometimes, the branch manager or risk control manager may be very dismissive. They might ignore you and directly tell you to go to the anti-fraud center for a stamp. Many people do not understand and foolishly run to the anti-fraud center, only to find they cannot even enter the door, as the anti-fraud center does not accept private business. This is the bank passing the buck.
The process for getting a stamp from the anti-fraud center is: you ask the bank to issue a "Fraud Risk Account Review Form," which the bank must provide. However, they will not give it to you directly; instead, the bank will send it to the anti-fraud staff in a public-to-public manner or take you there.
The bank staff will take the form and accompany you to the anti-fraud center, where the staff will review your transaction records, conduct an inquiry to see if you have engaged in any illegal activities, and then sign and stamp to suggest whether to lift the control or not.
With this stamped and approved "Fraud Risk Account Review Form," the bank can lift the control on you. Therefore, non-counter transactions are simply due to abnormal transaction records, or if your card has been frozen and you have actively lifted the freeze, the bank can easily lift the non-counter status.
What is the freezing document number? How to obtain it? Many friends who paid to communicate with me were unable to get a freezing document number from the bank!!!
Why is this document number important? Professionals can quickly identify the nature of your case just by looking at this number, understanding the reason for the freeze, the motives, and the department involved. So having this allows for quick identification of the case's nature.
The professional term for querying the freezing document in the bank system is "Assisting Authorized Agencies in Freezing and Deducting Registration Book." According to the 2014 regulations by the China Banking Regulatory Commission and the Ministry of Public Security, "Regulations on Financial Institutions Assisting People's Procuratorates, Public Security Agencies, and National Security Agencies in Querying Freezing Work," Article 25 states: "After banking financial institutions assist public security agencies in completing freezing procedures, they must inform individuals of their account's frozen status during personal inquiries. If the frozen individual has objections to the freeze, the banking financial institution must inform them to contact the public security agency that made the freezing decision."
Have you understood? This is a legal regulation, meaning the bank must have this document and must inform you. This registration book contains the name of the freezing agency, the person in charge, the involved transaction records (amount), and the freezing document number.
However, some people cannot obtain it; bank tellers may either be unaware or refuse to provide it, leaving many people helpless. This is a violation of regulations, and you can report the bank's behavior in front of them.
What legal regulations are based on?
The People's Bank of China issued a notice on the "Management Regulations for Financial Institutions Assisting in Querying, Freezing, and Deducting Work," Document No. Yinfai [2002] No. 1.
Indeed, some bank staff will not inform you, treating you as if you are a criminal suspect, looking down on you. For such people, directly point your phone at them: "My bank card has been frozen by an authorized agency in another location. I am here at [specific bank] asking employee (ID 9527) to assist in obtaining the freezing document number from the freezing registration book. Are you sure there is none in the bank system? Or is it untraceable? Does your answer represent you personally or your bank?"
Trust me, they will not dare to argue with you.
Of course, any counter can query this; you do not have to go to the account-opening bank.
Many friends ask what to do if they receive a text from the bank notifying them that their card is under risk control. Many are afraid to handle it. I do not know what immoral things you have done that make you afraid to deal with bank risk control. Why would the bank impose control on your account? What is their workflow?
No one on the internet tells you this; I suggest you follow and save this information.
If the freeze is not renewed after expiration, can you withdraw? What legal regulations apply?
If your account is frozen by two or more authorized agencies for the same amount, what should you do? Especially in online gambling cases, many institutions may freeze the same case, and you can refer to this legal regulation.
The underlying logic of risk control is simple: your account has financial transactions with a fraudulent account. It is that simple. Do you have the materials? What materials? If your account is clean, who would impose risk control on you? Occasionally, there may be a misfire, but that would not be you.
Your account must have something dirty; are you bringing dirty materials?
So, the process and facts they tell you are not the same.
After being controlled, the headquarters will issue a "Direct Control Model List for Card Disconnection" to branches and outlets. If you escape by luck and are not controlled by the headquarters, you will be investigated by the customer manager at the outlet. Responsible ones will call you and ask: what do you do, and what do you usually use the card for?
Many people will say they bought game equipment, and the staff have heard that so many times.
So, when they hear you say that, they will directly impose non-counter status on you. In fact, you would be better off saying: "That's none of your business."
If you say that, you will have more confidence. Saying you bought game equipment is like a kindergarten child lying to a teacher about being able to recite "Jin Ping Mei" fluently; it is not the same level.
When you confidently say "That's none of your business," it may even deter the customer manager from imposing non-counter status on you. They will analyze your transaction situation and decide whether to impose control or not. There are many subjective judgments involved, especially if you have a good relationship with them.
Let’s leave it at that.
There is a bug here: the bank is a commercial institution, and staff cannot view your transaction records without your authorization. Customer card balances and current transaction details are classified as private information, and no one can view them alone. High-level personnel must authorize any viewing. Previously, when your card was abnormal (frozen), if the customer manager did not contact me or conduct due diligence, you could hold them accountable.
But bothering him won't solve the problem; it only indirectly tells him that I'm not so easily fooled. Therefore, you need to be professional so that you won't be easily manipulated.
So, if he has imposed control measures on you, he must write a report and provide feedback on the "Suspicious Account Verification List" on the same day.
If you are under non-counter control, there is no need to call customer service. The most effective method is to go to the counter with your card and ID and ask directly; this is the most straightforward approach.
The bank will require you to present: your ID and card, and they will need to verify it online. In special cases, the decision must be made by the branch manager, which is why you often see the staff at the counter immediately come over to assist.
They will check whether you opened the account and used the card personally, and they will verify if you have any "criminal record" with the bank, meaning whether any historical issues have been resolved or if there have been any cases of renting, selling, or lending the account.
Finally, they will check the source and purpose of your recent fund transactions to see if you have been involved in any scams or fraud. Many friends struggle with this because they cannot clearly explain the source.
If you can't explain it clearly, it's better to respond directly: "That's none of your business," which is much more useful than fabricating a lie.
You don't have to prove your innocence; they need to prove your guilt.
When you assert yourself, speak confidently; they cannot find any anomalies in your case. Once the manager reviews and signs off, they can lift the non-counter status on the spot.
If they find any anomalies and cannot lift it on the spot, they must report the situation to the account-opening bank (institution) on the same day and ask you to go to the account-opening bank. This is the process, so when you first go to inquire about the issue, you don't need to go to the account-opening bank; any branch counter will suffice.
Do you understand? Lifting the non-counter status does not necessarily require going to the account-opening branch; as long as you have no issues, any branch can lift it for you.
They must inform you that, to protect your funds, the account has been subjected to payment control. If there are indeed issues, it will be handed over to the local anti-fraud center for further investigation. This is why when you go to the bank to close an account or conduct business, they will send you to the anti-fraud center for a stamp.
What you must do is understand their workflow and reasons so that you can calmly respond to various situations without making a scene. You don't need to look at others; what I tell you is the most accurate process.
As I mentioned earlier, building a good relationship with the customer manager can sometimes lead to unexpected opportunities in situations that could go either way. No one likes dealing with someone who is both poor and troublesome.
For minor issues, many customers have privileges, such as VIP customers who have over 200,000 in the bank.
If your non-counter status is affecting daily use accounts like salary cards, social security cards, or medical insurance cards, and if they are linked to fixed deposits, wealth management, stock transfers, loan repayments, or credit card repayments, these accounts have a bit of privilege.
This is a buff. If I want to add privileges, I must choose a few options, such as having over 200,000 in fixed deposits plus wealth management and opening a stock account with my salary card.
However, I won't let them impose risk control on my card, and I won't use it to receive unfamiliar funds or make random transfers…
What if the customer manager ignores you? As mentioned earlier, the bank is a commercial institution, and staff have no right to view your transaction records without your authorization. The balance in your account and current transaction details are classified as private information. They have regulations and disciplines that prohibit them from leaking your information or using it for other purposes during the risk assessment of your account. They must keep your information confidential; if they do not have your authorization to print transaction records, it is a violation.
In many places, you can also leverage this against them. The key is to navigate the situation where they ignore you. Normal workflows require everyone to cooperate a bit.
What they fear is public opinion, so they can only tell you to protect your account funds. However, they dare not act recklessly with salary cards, loan repayment cards, and medical insurance cards; they must be cautious. So, if they violate your legal rights, just point your phone camera at them, and they won't dare to speak carelessly or confront you.
Mutual respect is essential. The meaning of this article is that many bank customer managers have a condescending attitude and do not respect customers, so you can also leverage that against them.
Of course, there is another situation where, after the remote freezing of your bank card is lifted, some banks will still impose their own risk control, preventing you from using it normally, especially if they don't allow you to withdraw your money.
There are two ways to resolve this: the first is to have them issue a "Case-Related Account Review Form" to the anti-fraud center, and the second is to file a complaint against the bank. The legal basis for this is:
Commercial banks and customers are equal civil subjects. According to Article 29 of the "Commercial Bank Law," commercial banks must adhere to the principles of voluntary deposits, freedom of withdrawals, interest on deposits, and confidentiality for depositors when handling personal savings deposit business.
Unless cooperating with national judicial departments or authorized agencies for law enforcement assistance, banks have no right to restrict your rights to voluntary deposits and freedom of withdrawals. Moreover, if the judicial agency's freeze has been lifted and no investigation has been initiated, and no control measures have been taken against your bank account.
If a certain bank unlawfully restricts your access to funds when there are no judicial freeze restrictions on your account, it constitutes continued harassment against you, exceeding the legal bottom line.
Judicial authorities have already ruled out any involvement in the case and unblocked the bank card, so the bank has no reason or legal basis to impose restrictions. Therefore, a certain bank unlawfully restricts citizens' property and unlawfully limits withdrawal freedom, which is a serious violation of the law.
Because only judicial authorities have the right to freeze citizens' property, and banks do not have the right to indefinitely restrict your access to funds.
Have you learned anything?
IV: Bank Card Freezing Appeal (The Most Detailed Tutorial on the Internet)
Bank Card Freezing
Reason: Receipt of Involved Funds
Regardless of what actions you took, the reason for the freeze is that you received involved funds, not because of online gambling, buying, or selling virtual currencies.
This understanding is crucial. So, do you need to hire a lawyer? There are two situations.
If you are someone who is proactive and unwilling to spend money, and you understand some legal regulations and litigation processes, you do not need to hire a lawyer; you can follow this article to apply.
If you want things to be simple and are willing to spend money without wanting to spend time and think for yourself, you can hire a professional lawyer or legal team to help you through the process.
We often see lawyers posting on social media about running around to three places in a day to unfreeze accounts. We generally blacklist such lawyers right away; let me tell you the conclusion first: they are unprofessional. They help you through the process, but don't let certain lawyers intimidate you with claims of aiding and abetting or concealing. As long as you have a legitimate job and are not engaged in gambling, it should be straightforward.
We often see lawyers posting on social media about running around to three places in a day to unfreeze accounts. We generally blacklist such lawyers right away; let me tell you the conclusion first: they are unprofessional.
Freezing a bank card does not necessarily require handling it in a remote location (the place of freezing).
I see those lawyers complaining about legal consulting companies that only write a situation explanation for the client and do nothing else. Indeed, there are such bloggers and legal consulting companies, but what many lawyers do not know is that legal consulting companies are responsible for the outcome. If they cannot unfreeze the account, they do not charge a fee until the account is unfrozen, and it is not a matter of waiting for the time to pass for automatic unfreezing.
So, if a client signs a contract with a lawyer, it must specify that if the lawyer cannot unfreeze the account within 30 working days, or if it is only changed to a limited freeze, the full commission must be refunded, and the lawyer must bear the travel expenses.
Why do those lawyers not need to go to the freezing location but still run around every day? Because they can charge you high travel fees. The process of appealing for a bank card unfreeze is a very minor issue; a few thousand in travel fees can be used to hire professional legal services, while lawyers generally charge a percentage of the frozen amount plus upfront fees.
It's time to expose this group of people. If you understand a bit of legal regulations, you do not need to hire a lawyer to go to a remote location to help you unfreeze.
Here is the process after freezing.
Today, I will tell you the entire process and what difficulties you may encounter during your unfreezing process. Your bank card has been frozen by an authorized agency in another location; the process is really simple. Everyone tells you to go to the bank to inquire about the freezing unit, then find a way to contact the freezing unit, ask why it was frozen, and then submit evidence and materials to have them unfreeze it.
The process is correct; it is indeed very simple. However, I am telling you this is just correct nonsense.
When your bank card is frozen, the first thing to do is to go to the bank to confirm whether it is a judicial freeze. The method is to go directly to the counter and ask, "Which authorized agency froze my card? Please write it down or print it for me so I can appeal."
You will receive a handwritten or printed certificate. Ask confidently; do not be afraid. This is something the bank must inform you about. The relationship between the cardholder and the bank is a contractual legal relationship, and the bank has an obligation to inform the cardholder about the freezing of the bank card. If the bank refuses to provide the relevant information, you can consult or complain to the higher bank or regulatory authorities (such as the Banking and Insurance Regulatory Commission) to obtain the freezing information, which is essential for determining the follow-up processing plan.
Once you know the name or phone number of the freezing agency, do not contact them immediately; it won't be useful. You must prepare the necessary information first.
Then, you need to self-check which transaction led to the freeze based on the freezing agency and your transaction records. The purpose of this is to determine:
- The freezing unit
- The person in charge
- The contact number of the person in charge (official mobile)
- The amount involved
- The transaction records involved
Only after confirming this information can you quickly resolve your issue.
Once you have this information, you can appeal for the unfreeze. Those who directly tell you to call the responsible unit, who are you going to find? The staff handling the freeze may have thousands of cases; how would they know who you are? Unless you are the head of a criminal gang.
If you insist on contacting them, you should identify yourself, usually saying: "I am [Your Name], the victim from [Your Location]." The response you get, you don't need to tell me; I can tell you the result directly: "Bring your bank card, transaction records, and evidence materials here for investigation."
After spending your time, energy, and costs, the response you receive is: "Go back and wait for the investigation results (wait for notification)."
What have you gained? Don't listen to those half-baked bloggers who copy and paste things everywhere.
Your goal is to quickly unfreeze your bank card, not to go through the process and wait for six months to a year.
So, no one will tell you what to do if, after contacting the responsible person at the freezing agency, they ignore you and do not unfreeze your account.
Yes, you have no way out; you can only bring your bank card, transaction records, and evidence materials to explain in person, which wastes your time and money, right?
Even if you go, if your statement is not well-prepared, what if they refuse to unfreeze your account?
Most of the time, the response will be: "We understand your situation; please go back and wait for news."
Still, no one teaches you what to do when you receive such a response: "We understand your situation; we need to verify further; please go back and wait for news!"
See, on the entire internet, so-called bloggers, no one can teach you what to do when you encounter this situation.
What you think of as unfreezing a bank card is: you go to the bank to inquire about the freezing unit, then contact the freezing unit, ask why it was frozen, and submit evidence materials for them to unfreeze it.
Correct, that is the process; the process is not wrong, and the procedure is also correct. However, at every step, you will encounter insurmountable difficulties that you cannot resolve. First, you cannot contact the responsible person at the freezing unit. Second, they will not tell you the reason for the freeze, and of course, they can refuse to unfreeze it.
Because the information you understand is generated from the police performing criminal judicial functions rather than administrative management functions, it does not fall within the scope of what they must disclose to you. Don't understand? Let me put it plainly: why should they tell you the reason for the freeze?
So, do not contact the freezing agency first; instead, write a detailed situation explanation about your freezing experience and personal information. Many of our friends' freezing reasons are likely due to online gambling and buying or selling virtual currencies, which gives you a template for the situation explanation.
"Situation Explanation for the Freezing of Bank Card XX XXXX Public Security Bureau Criminal Investigation Team, Officer XX: I am XX, ID number: XXXXX, Han nationality, contact number: XXXXXX, workplace: XXXXXXXXX, residence: XXXXXXXX, email: XXXXXXXX."
Regarding my bank account at XX Bank: XXXXX being frozen, I provide the following situation explanation. I once registered on a virtual currency website named XXXX, during which I deposited over XX thousand and had X thousand remaining. I found that I was losing money, so I stopped playing and withdrew the last principal of X thousand. I sold virtual currency on that website, which transferred XXXXX yuan to my card number XXXXXXX through the account of a certain XXXXXXXXX on X month X day at XX minutes.
First, it is important to clarify that you are just a participant, not the operator of an exchange.
You need to provide the following materials: First, number the evidence materials, for example, A1 (bank transaction record) to prove the purpose, which is generally to prove the deposit and withdrawal records.
A1 Bank transaction record: Use a special marker or pencil to highlight the specific frozen amount; if there are many transactions, just select the page related to the frozen amount.
A2 A copy of your ID card (front and back), holding the newspaper of the day along with your bank card and ID. This is very important to prove that your bank card has been in your possession before today and that there has been no renting, lending, or selling behavior (this is the first time I’m telling you this detail online).
A3 Provide proof of employment, business license, social security proof, labor contract, or other evidence that you have legitimate work.
A4 Detailed information on how to conduct virtual currency transactions (website URL, pages, how to trade, deposit, and withdrawal processes).
Selling virtual currency and receiving involved funds leads to freezing. This is not difficult; you just need to provide proof that the funds in your account come from a legitimate source.
You need to explain each transaction and provide evidence, such as sale receipts and chat records.
If you appeal on your own, preparing these materials is sufficient. If you hire a lawyer (legal team), you will need to sign a contract, and then the legal team will provide you with a checklist of all materials and issue relevant legal opinions for you to sign.
Mailing these materials to the responsible person is enough (if they ignore you, then say more).
After doing the above, the officer will generally contact you proactively. If they do not contact you, it means your materials are incomplete, the method is incorrect, or you missed a key point.
Remember, you only have one valid opportunity. When the officer calls, your first question must be: "Officer, what is your surname?" This officer is your responsible person. Don’t finish the conversation or have a poor communication and still not know who your responsible person is; no one will give you a second chance.
Never let the officer say, "We need to take a statement," as that would render all your efforts futile.
Your attitude must be a bit gentle to gain the officer's understanding, sympathy, and at least not to be disliked. Unless there are special circumstances, do not offend the officer. Don’t gain a verbal advantage while losing actual frozen property benefits. After all, the officers are also handling cases, especially the grassroots officers who have a heavy workload, dealing with endless trivial matters, receiving countless calls, and handling numerous public grievances. Therefore, you must pay attention to the following points:
Maintain a good attitude, be sincere, use respectful terms like "You" and "Officer X," listen more and speak less, do not interrupt the officer, answer only what is asked without elaborating, and do not adopt a confrontational attitude expecting understanding. Do not act tough, especially if you are indeed involved in gambling; if you annoy them, they may take administrative detention, and you will regret it. An officer's word can make you spend thousands more on travel expenses to come here to clarify the situation.
Contact the officer during normal working hours, avoiding their break times: Try not to contact them during off-hours such as after work, lunch breaks, meal times, holidays, weekends, etc. Contact them after 2:30 PM, and after 10 AM in the morning. Do not contact them on Monday, as they will be in meetings early in the morning.
Submit relevant materials as clearly and distinctly as possible, with a detailed directory, page numbers, and proof of purpose. This way, the officer can quickly understand the content of the materials. If the materials meet the conditions for unfreezing, they will process the internal application for unfreezing (the internal approval process of the public security agency) promptly because you provided detailed materials, and there is no need to organize a large amount of materials during the approval process. The officers will naturally be willing to help you with the approval process.
If the materials are incomplete or if there are doubts about the evidence, and if your attitude is poor, the officer may ask you to go to the case-handling agency to take a statement. At this point, do not go to the case-handling agency if possible. If you can provide written materials, do not go. It is more appropriate to take a statement at the public security agency in your jurisdiction (mainly at the police station). Many people worry about the risks involved in taking a statement, and indeed, this is the case. A single wrong word could turn you from innocent to guilty. If you must take a statement, bring the situation explanation written by your legal team, and do not say anything unnecessary. Speak briefly and effectively according to the situation explanation, and try to get the officer to issue a cooperation letter to the local police station.
After confirming receipt of the materials, communicate with the officer about the plan in a timely manner, such as the proportion of returning involved funds. This depends on your communication skills and abilities. If your situation is quite unfortunate and you encounter an officer with a strong sense of sympathy, you will be very lucky. However, most of the time, officers generally operate "within their authority." At this point, having a professional legal person to help you communicate will be much better. The submission of complete evidence materials can lead to several outcomes:
No unfreezing: A formal letter will be issued stating the refusal to unfreeze, and the legal team will appeal.
Full unfreezing: If it is confirmed that the frozen funds are indeed unrelated to the case, the freeze should be lifted, and a non-involvement certificate will be issued (this certificate is difficult to obtain and requires repeated communication and negotiation by the legal team. Officers will generally refuse you directly, saying they will not stamp it for you, but you must obtain this certificate to lift the bank's non-counter risk control or the associated accounts under the involved account, as well as the tags for the two-card punishment personnel, etc.).
Limited freeze: The frozen amount in the involved account may be a major case, while other functions can still be used normally. For example, if you have 100,000 in your card and the involved amount is only 10,000, then only 10,000 needs to be frozen.
Partial return of involved property: This depends on the communication ability of the legal team and the officer, as well as your actual situation. This situation generally involves negotiating with local victims and may require taking a statement. It is suitable for large freezes, but this fund is your own legitimate income.
Continued freeze: Waiting for the court to deduct funds. The officer believes that it is indeed gambling funds that should be fully deducted, which is quite strict. However, in practice, such situations are rare. Our legal team has encountered one case where the officer agreed to unfreeze because they needed to return 30,000 in involved funds, while the party had no money left, and only 30,000 was frozen in the card.
The above process can help resolve legal risks and assist in unfreezing. There will definitely be some detailed nuances in between; if you encounter them, come and ask me.
V: Is cash trading of U reliable? Risk points
Is cash inflow and outflow, trading USDT really safe?
Many people find their bank cards under risk control and frozen after trading on exchanges, so they start cash trading.
Logic:
In cash transactions, payment information will not be leaked, for example: they can only check your bill. This is why corrupt officials prefer cash, and why PC transactions are done in cash.
Cash is hard to trace (except for serial numbers). For example: where the money is spent, how much is spent, and they will deny it. Without surveillance watching one-on-one, it is really hard to investigate.
So, does this make cash seem very safe?
That would be a mistake; the answer is that it is the least safe, full of pitfalls.
Which normal merchant can accept cash for U in the long term?
One can count, and anyone who accepts cash for U long-term, 99.9% of their cash comes from the black or gray industry. There’s also 0.01% from big players.
Long-term cash for U comes from a few channels:
Officials
Money runners
Tax evaders
Funds from abnormal sources
Entrapment (etc.)
Cash is money that cannot be put on the table. The money may be clean, but it is still cold… You are trading U, which is not illegal or criminal, yet you end up being pressed together with the cardholders, becoming accomplices, and in the end, you lose both your money and yourself.
Then some smart alecks might say, "I’ve traded cash with so-and-so, and it’s fine."
Trading cash with your mom or dad is definitely fine. Sooner or later, you will be set up; it’s always a sure thing.
Summary:
Choose merchants (select from various aspects, choose larger ones).
Common sense (disconnect life and currency circles; trading U is not illegal, so there’s no need to be afraid).
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