#BNB价格突破千元大关# Having been engaged in the digital asset field for many years, I have noticed that many frens face the dilemma of their bank cards being frozen after conducting OTC Trading—despite not having violated any laws, their accounts are restricted. This situation usually arises because the funds you receive may be related to a case (such as fraud funds), and law enforcement agencies discover your account while tracing the flow of funds. As long as you can prove that the transaction is legal and compliant, the account can usually be unblocked.

Why was there no issue during the transaction, but it was frozen afterwards? This is because the funds you received may come from reported victims, and the police are investigating the flow of funds. Delayed freezing is a common phenomenon.

Based on experience, the following five behaviors are most likely to trigger the risk control system:
- Frequently changing bank cards or logging into the trading platform from different locations
- Use sensitive terms related to digital asset in transaction remarks
- Transferring funds immediately after they arrive may easily be regarded as money laundering.
- The real-name information of the payer and the recipient card does not match.
- Conducting large transactions during unconventional hours (such as late at night)

If unfortunately encountering account freezing, three steps should be taken immediately:
- Verify authenticity: Legitimate banks and law enforcement agencies will not ask for passwords or request transfers.
- Actively cooperate: If a refund is needed, be sure to obtain a receipt and case closure proof.
- Organize evidence: Save all transfer records, communication content, and account statements in chronological order.

After the account is frozen, four possible outcomes may occur:
- Ideal situation: automatic unfreeze in 1-3 days
- Common situation: Temporary freeze for 1-3 months before returning to normal
- Partial restriction: The involved portion of funds has been deducted, the rest can be used normally.
- Complicated situation: Long-term risk control, need to change bank card or open a dedicated trading account

To reduce risks from the source, it is recommended to take six preventive measures:
- Choose reputable large platforms and experienced trading partners
- Ensure that the recipient's identity fully matches the real-name information of the bank card.
- Large transactions are conducted in batches, and trading during working hours is safer.
- Use neutral terms like "goods payment" in transaction notes to avoid sensitive terminology.
- Consider opening a dedicated trading account solely for receiving payments without withdrawal.
- Strictly refuse to collect or transfer any funds on behalf of unfamiliar individuals.

In OTC Trading of digital assets, account security is far more important than short-term gains. Mastering these risk avoidance and response techniques can effectively protect your funds.