After making a profit in cryptocurrency trading, exchanging USDT for RMB seems like a straightforward process, but it actually hides serious risks, the most severe being the freezing of bank cards. Even if you choose to exchange through an intermediary, following the usual process of "transferring USDT to the escrow account - receiving the other party's payment - confirming the release of funds" cannot completely avoid the core risk — because it is difficult to determine whether the funds paid by the other party are legally sourced.

Some traders try to reduce risk through various methods, such as looking at the time funds stay in the account, requiring the other party to promise compensation for frozen card losses, and choosing reputable intermediaries. However, the actual effectiveness of these methods is not significant. Account freezing is like a time bomb, and the timing of its detonation completely depends on when the victim of the involved funds reports the case. Even if the current transaction is completed smoothly, it may still be retroactively frozen months later due to previously circulating problematic funds.

The risks that are more easily overlooked exist in transaction traces. Due to frequent large sums of money being deposited and withdrawn, the intermediary's bank card is likely to have been flagged as a high-risk account by the bank's big data risk control system. Once a transaction occurs with these accounts, your account may also be implicated. Additionally, if an individual account suddenly shows abnormal behavior that is inconsistent with normal usage patterns, such as frequent payments, rapid inflow and outflow of funds, it may also trigger the bank's risk control mechanisms, leading to the freezing of the account.

The root of these problems lies in the pervasive big data monitoring. Many gray industries use USDT to transfer funds, combined with frequent trading on exchanges, making it easy for users' bank cards to be associated with anti-fraud blacklists, leading to them being locked by risk control systems. Most intermediaries' accounts are already on the bank's "key focus list", and long-term transactions with these accounts will only increase the risk of your account being marked as a "suspicious account".

The profits gained from trading digital assets are worth cherishing, so caution is needed in the exchange process. Rather than pursuing quick exchanges and low fees, ensuring the security of bank accounts is the key to truly realizing profits. Traders should place greater emphasis on the safety of funds and adopt more cautious and compliant methods to handle digital asset earnings to avoid falling into potential legal and financial risks.