"Make enough 5 million and then retire and relax"—this statement sounds so straightforward, but the reality is that before your account gets hot, it might already be frozen solid.

$PIPPIN Now, the pitfalls related to cash are getting deeper and deeper: extortion and covert theft, counterfeit bills rampant, black U transactions flooding in, illicit funds mixed and flowing... All kinds of tricky operations make it hard to guard against. What's even worse is that you have no idea where the other party’s money is coming from. Once involved with dirty money, whether it's 500 yuan or 5 million, your account can be frozen out of nowhere. The more transactions you make, the more likely you are to hit a landmine—like opening a blind box—you’ll eventually get caught.

The proper approach should be like this: calculate in advance how much you plan to spend over a certain period, find a reliable OTC provider, and make a smooth, one-time withdrawal, minimizing transactions whenever possible.

**First route: C2C withdrawals from top-tier exchanges**

Preferably use those well-established major platforms, and avoid small exchanges—those are like sewers filled with rats and dirty money. When choosing a merchant, look at three points: is their registration time long enough, is their trading volume sufficient, and is their completion rate high enough? Remember, always use official channels; offline cash transactions and private transfers are courting disaster.

Frequent withdrawals and single large transactions are easily flagged by risk control. If your account gets frozen, contact the platform’s customer service immediately and honestly submit the required documents.

**Second route: Hong Kong bank cards, such as ZA Bank**

Getting a Hong Kong online bank card like ZA Bank is very straightforward. After converting crypto to cash, you can either deposit it at an ATM or use a debit card directly for spending.

But don’t just use it for receiving and withdrawing money—normal people don’t operate their bank cards that way. Use it for everyday shopping and transfers to make the account look active and legitimate, which can significantly reduce risk detection.

(Also, avoid frequent large deposits and withdrawals—banks will start to notice and trouble will follow.

**Third route: Exchange-issued VISA/MasterCard**

Some exchanges issue their own cards, allowing you to directly convert crypto assets into fiat currency for spending. It’s relatively secure, but watch out for fees, cross-border charges, and exchange rate differences—check these carefully before swiping, so you don’t end up losing a big chunk of your profit after the fact.

The core issue remains: withdrawal freezes and bank risk control.

OTC providers can safeguard your assets from running off, but they cannot prevent your bank from going crazy. Banks’ risk control systems are much more sensitive than you think, and their logic is ridiculously strict.

)Key points to avoid pitfalls:

Withdraw in batches, don’t go all in at once.

Avoid large transactions during late night hours or holidays.

Make your account activity look natural and normal—don’t operate like a robot.