In the crypto world, the most heartbreaking thing isn't losing money but being unable to withdraw the money you've earned.

A friend converted 600,000 USDT into fiat currency and transferred it to his bank card, only for the bank to freeze non-counter transaction permissions within two hours. The money was clearly in the account, but it couldn't be accessed at all, not even to check the balance. He said that feeling was worse than losing the money directly—because hope was abruptly cut off.

This situation sounds strange, but it's actually a common trap. The root cause often points to a term: fund pollution. What does that mean? Non-compliant upstream funds go through multiple transactions and finally mix into your transaction chain. You are conducting normal trades, but because your account becomes linked to a contaminated chain, once the bank detects abnormal activity, all accounts on that chain could be frozen—that’s called "joint liability."

It sounds hopeless, but a freeze doesn't mean illegal activity or the end of the world. In most cases, as long as you can provide OTC transaction screenshots, chat records with the other party, transfer receipts, and cooperate with police investigations by explaining your situation, you can usually unfreeze the account within a few weeks to a few months. The problem is, this process is really exhausting—constant trips, repeated coordination, draining your energy.

Rather than trying to fix things afterward, it’s better to defend in advance. This is the core logic I’ve summarized after years of experience in the field.

**First Tip: Dedicated Card Isolation**
Open a separate bank card solely for depositing and withdrawing digital assets. Never mix it with your salary card, mortgage card, or shopping card. If this dedicated card encounters issues, it won’t affect your daily life or other funds.