With the same 10 million in profits, some successfully cash out to buy a house and settle down, while others get stuck at the withdrawal stage—accounts frozen, funds trapped. The gap often lies in those easily overlooked details.

I once experienced a near-disaster where a mistake could have turned a seven-figure profit into a bubble. Over the years, I’ve figured out the tricks of large asset withdrawals, and today I’ll break down this logic.

**Withdrawing isn’t just about converting to cash; it’s a cross-border wealth audit**

The first mistake many make is applying a one-size-fits-all withdrawal strategy. Scale determines the approach—100,000 and 10 million are fundamentally different. Small amounts can flexibly leverage various channels for quick transactions, but large sums must follow transparent routes (such as private banks in Hong Kong, licensed institutions in Singapore). It sounds complicated, but it’s actually more secure.

A real case: a user wanted to quickly cash out 10 million, splitting it into 200 small batches, which actually increased the risk of triggering monitoring. Conversely, large sums should aim for “legitimate visibility”—using formal channels, which generally pose no issues.

**Tax planning should be done early**

Opening accounts in places like Hong Kong and Singapore, proactively declaring capital gains tax may seem disadvantageous, but it actually saves a lot of trouble. I’ve seen people pre-arrange Singapore tax residency, ultimately saving over 30% in taxes. When weighing compliance costs and risks, compliance always proves more cost-effective.

**Practical strategic moves**

First move: Asset swaps instead of direct conversions. Rather than exchanging crypto for USD and then transferring, it’s better to directly use stablecoins to pay for overseas property down payments, buy insurance policies, or art. This bypasses the “crypto-to-cash” scrutiny, allowing assets to land directly.

Second move: Diversify across multiple channels. Simultaneously set up accounts with licensed institutions in different regions—Hong Kong brokerages, Singapore banks, compliant exchanges—each holding a portion. Once, a platform’s risk control suddenly tightened, but because of prior diversification, there was little impact.

In essence, this approach’s core is: upgrading from retail’s all-in mentality to refined capital management. Risks always exist, but they can be significantly reduced through structural design.