The five-year development history of the bank card unfreezing track - WBE3 legal track.

Yesterday, I saw someone discussing the development of the bank card unfreezing track in a short video. In fact, no one understands it better than I do, because our team turned this track into a business model. I even have data on the entry times and delivery rates of all my peers.

Since our card unfreezing service has always been managed by Legal Uncle Liu, today I will share the perspective of our team’s Legal Uncle Liu.

Before 2020, there were no professionals or specialized lawyers working in this track. I personally witnessed the rise of this industry and the emergence of professionals. Initially, there were no specialists in this field, but as people worked in it for a long time, they naturally became experts.

Before I discuss a matter, I won’t just tell you the surface phenomenon; I will definitely explain the causes and consequences, the underlying logic. So today, I will talk about how the bank card unfreezing track started, how professionals got involved and developed, what they relied on to get started, and the various advantages and disadvantages of different identities.

You must have a deep understanding of the industry to know what’s going on!

Therefore, anyone who hasn’t experienced the period I’m writing about today, regardless of their expertise, isn’t that impressive.

The Inter-Ministerial Joint Conference on the Work of Cracking Down on New Types of Telecom and Internet Crimes decided to launch the "Card Disconnection" action nationwide on October 10, 2020. This day marked the beginning of the card disconnection action.

Legal Uncle Liu from our team entered the cryptocurrency business circle on August 15, 2020. After a few months, he couldn’t continue with the exchange and cryptocurrency business. After half a year, he had six cards frozen, two of which were involved in a case and were stopped for three days. All bank accounts gradually became unusable, and new accounts could not be opened. Even after appealing to the bank for restoration, the accounts were again found to be unusable after about three months without any reason.

In the same year, our team’s Legal Uncle Liu was an active member of the old Huobi official group, where he provided free education to peers on how to deal with banks every day. He even obtained a press card and ran around various banks to unfreeze accounts.

At this stage, there were no professional lawyers in the bank card unfreezing industry. At most, some cryptocurrency businesses had legal advisors, but their services were only related to OTC risks, not unfreezing bank accounts.

At this time, the old Huobi officially invited a young lawyer to share legal knowledge about OTC and how to avoid risks for free. This young and inexperienced lawyer was named Ding Moufei. That year, after in-depth communication, he offered me a workstation, and I helped him with media operations and other affairs.

We agreed to meet in Chongqing after his business trip to discuss in detail. As a result, due to this free lecture, he became famous in the Huobi merchant group, founded his own law firm, and his consultation fee jumped from 88 to a starting fee of 300,000.

All OTC cryptocurrency businesses regarded him as a god-like figure because he was the first lawyer to venture into the cryptocurrency circle. From then on, I basically lost contact with him, only knowing that he mainly did criminal defense for cryptocurrency businesses, with fees for unfreezing bank cards starting at 50,000, plus 20% of the amount in the account after unfreezing, targeting high-end clients.

In the same year, a female lawyer named Sun also started in a similar way.

At this time, there were still no unfreezing teams or professional unfreezing lawyers in the market.

In 2020, I was still doing media for cryptocurrency businesses, and I published strategies about cryptocurrency businesses for free on my public account. This strategy was quite impressive. The cryptocurrency business industry from 2017 to 2020 produced many big names. Among them was a top-eight merchant from Binance who was once bought by Zhao Dong for 8 million but couldn’t leave due to the mask incident. The OTC expert you see is the one who guided me into the cryptocurrency business, but the cryptocurrency business never teaches outsiders. There has never been any tutorial available online. Legal Uncle Liu spent 30,000 to learn from a master to enter this industry. When I enter a new industry, I usually overturn everyone’s pot and disclose all the industry secrets for free.

As a result, there was suddenly an operation manual and insider information about OTC cryptocurrency businesses on the entire internet, including how to make money and the profit margins. Thus, I founded the cryptocurrency business incubation industry.

At this time, there were still no lawyers who could understand the OTC cryptocurrency field, and even now, there are still very few. The lawyers who teach OTC knowledge now, one by one, only understand the surface and not the logic. If you see them, just block them.

The knowledge they share is all outdated information from before 2018, long since eliminated. The entire internet’s knowledge about OTC cryptocurrency businesses was painstakingly typed out by Legal Uncle Liu in a million-word strategy.

In 2020, I taught 40 apprentices to enter the OTC cryptocurrency business, and all of them made money without violating any relevant laws and regulations (some are still operating now). We defined the review mechanism and scripts for cryptocurrency businesses (which are still being used by current cryptocurrency businesses).

During this period, no professional lawyers entered the unfreezing industry.

At the end of 2020, I sold two USDT, one from a Sichuan card and one from a Chongqing card. The buyer was a woman from Guizhou who was in the clothing business, and her transaction history was perfect. Within a week, two of Legal Uncle Liu’s accounts were stopped for three days, and then released.

The Sichuan uncle directly came to the office to press him, and Legal Uncle Liu demonstrated the operation process and evidence materials in front of him, and the uncle left.

See, this is the problem Legal Uncle Liu encountered: the card was opened in Sichuan, the incident occurred in Guizhou, and the registered residence was in Chongqing, making all difficulties maximized.

At this time, most bank accounts were unusable, and mortgage cards were also non-cash. After unfreezing one card, another would be restricted, and the reasons were unknown.

We only knew we had entered some bank’s blacklist, and we didn’t know any professional terms. After freezing six cards for half a year, I withdrew from the circle, but I had handled the judicial freezing of bank cards in other places, only to find various restrictions still in place.

But how to say, it must be resolved, so I contacted the most impressive internet celebrity lawyer Liu (whom I saw as the most professional cryptocurrency lawyer in short videos) through short videos, signed a contract for representation, paying 7,000 upfront and 50,000 after the matter was resolved.

Yes, you read that right, this internet celebrity lawyer from the law firm. I trusted him immensely, thinking that such an impressive lawyer could definitely help me solve the problem.

Very professional, after payment, he created a group and kept adding people to the group. Two months later, more lawyers joined the group, and my case surprisingly had no follow-up. Finally, after I kept asking, they replied that they didn’t know what was going on.

Since they didn’t know what was going on, then refund my fee, I’ll study it myself. Guess what?

They told me the fee wouldn’t be refunded!

Oh, Legal Uncle Liu replied, I’ve been in media for six years, you can try not to refund me!!!

From then on, I was blacklisted for life. Whenever I saw videos where they bragged, I had to curse a few times.

Since there were no professional unfreezing lawyers in the market, what to do?

Research it myself, handle my own matters.

Go to the bank to lift the restrictions, but the bank said no, you are on the blacklist, you have accounts involved in a case, and you have more than five bank cards involved on some investigation platform.

How to break their logic? I needed to prove that I was not involved in the case, which was Legal Uncle Liu’s simplest thought.

So, Legal Uncle Liu went to the place where the freezing occurred in Guizhou and requested them to issue a document, now called a non-involvement certificate. This was in 2021, and Legal Uncle Liu already had this awareness.

So, I obtained this non-involvement certificate and went to the bank that was controlling me. Hey, surprisingly, the control was lifted.

(Theoretically, this was the earliest non-involvement certificate in the cryptocurrency circle.)

With this non-involvement certificate, I went to the involved Chongqing card and Sichuan card, and they issued me a "Fraud Account Risk Review Form." When it reached the local anti-fraud uncle, the control on the first-level involved card was lifted.

At that time in 2021, Legal Uncle Liu understood the role of the "non-involvement certificate" and the "Fraud Account Risk Review Form."

The old Huobi exited operations, and the administrator handed the official group to me. Legal Uncle Liu shared experiences and solutions on social media while teaching group members for free how to unfreeze bank cards frozen due to cryptocurrency business, and surprisingly, 100% of the problems could be solved. At this time, the commercial embryonic form emerged; I would teach them the unfreezing process for a casual 1,000 U.

At this time in 2021, there were still no professional teams for unfreezing bank cards on the internet.

We were discussing internally in the group. At this time, the legal regulations for card disconnection punishment were released, detailing how to transfer the disconnection punishment list and the rules for raising objections, known as Document No. 109.

Our cryptocurrency business was included in the disconnection punishment in Henan, but through this process, we were the first to lift the disconnection punishment, leaving everyone astonished.

At this time, we still didn’t know what the two-card label was. The anti-fraud system had both new and old systems. Legal Uncle Liu’s information was uploaded to the anti-fraud platform from the card opening place in Sichuan, but there were no details in the system, equivalent to a blockchain error. Legal Uncle Liu didn’t know who to turn to.

This process took Legal Uncle Liu two years, running around the freezing place, card opening place, registered residence, and temporary residence, writing over 70 pages of materials, yet still couldn’t find the reason. Look at these densely packed materials; this was the unjust path Legal Uncle Liu once walked.

At this time, there were still no professional teams entering the unfreezing field because the logic hadn’t been figured out. Therefore, Legal Uncle Liu specifically published the problems encountered and solutions for free through social media.

I thought it was a disconnection punishment, but the uncle told me that in 2021, the disconnection punishment measure hadn’t been used much.

In the end, we heard a term somewhere: two-card personnel label.

I seized this lifeline and delved deep into researching this term.

The full name of the two-card personnel is: "National Anti-Fraud Big Data Platform Two-Card Personnel Label."

The formation process is that after a victim discovers they have been scammed, they report to the local police station. This police station will report your account to be listed as stopped, and within three days, they will decide whether to file a case for investigation. If a case is successfully filed, the case information is uploaded to the anti-fraud big data platform, and your bank card will be officially frozen. Then, the police station where you opened the card will receive a request for assistance, summoning you to clarify what happened, and your statement will be transmitted back to the freezing place through the platform, requiring you to sign a two-card commitment and complete information collection.

The data will then be transferred to your registered residence. If your card opening place and registered residence are the same, you will be labeled as a two-card involved personnel by the local anti-fraud unit. This label is automatically marked and cannot be canceled when the information is uploaded from the freezing place. This is why most local uncles don’t know why and tell you to find the freezing place because it has nothing to do with them; it’s automatic by the system, and you will continue to trouble them later.

Finding the reason allows us to find a solution to the problem and know who to look for.

Everything was resolved smoothly, and it was now August 2023.

Thus, the process for lifting the two-card list was successfully navigated.

In 2023, during the process of lifting the two-card list, Legal Uncle Liu published all the unfreezing tutorials for free on platforms like Zhihu, covering every detail. As a result, some media peers began to learn the essence and replicate Legal Uncle Liu’s situation descriptions, gradually being able to charge consultation fees.

At this time, Jun Kai Unfreezing started publishing articles on social media about helping people with bail (rescue operations) and charging consultation fees, ranging from dozens to 1,500 yuan.

During this period, other lawyers began to slowly enter this industry, but at that time, there weren’t many cases for lawyers. Many lawyers used Legal Uncle Liu’s scripts to shoot short videos. For example, internet celebrity lawyer Shen, after Legal Uncle Liu wrote the script, they would publish it the next day. Perhaps it wasn’t the lawyers themselves plagiarizing, but because their assistants were following Legal Uncle Liu, providing scripts for the lawyers to shoot.

This is learning by doing, and several legal firms emerged that studied Legal Uncle Liu’s operational model. You can check their registration times; they all registered after Legal Uncle Liu published the tutorials.

Some even operated better than Legal Uncle Liu. At this time, online gambling cases erupted in various places, and various lawyers made a fortune with their resources.

Short videos began to feature a large number of lawyers making unfreezing videos, including the law firm mentioned by Legal Uncle Liu, where many lawyers entered this industry, generating huge traffic.

However, it is regrettable that many lawyers’ assistants were copying Legal Uncle Liu’s public account scripts for secondary creation, and there weren’t many big lawyers using Legal Uncle Liu’s scripts.

So I kept a hand, for example, I would deliberately say something wrong, or I would publish 8 out of 11 tutorials. They wouldn’t be able to notice; as long as they discussed that topic, I would know they were plagiarizing my content.

This way, I could quickly judge whether the person had any real insights. If you haven’t experienced it yourself and are just copying, you can’t fully understand the emotional journey the victims go through.

Therefore, true professionals in the unfreezing industry, if you haven’t gone through the cryptocurrency circle from 2017 to the OTC merchants in 2020, then to the subsequent individual sellers of frozen cards, and later the loan laundering scams, and if you haven’t experienced the gray market during this period, you simply cannot understand the underlying logic involved.

You must have a deep understanding of the industry to know what’s going on!

I even saw some lawyers who don’t even know how to buy USDT, yet they talk grandly about the risks of cryptocurrency operations. Some haven’t even used USDT once, yet they criticize the risks of USDT cards. If you had operated even once, you wouldn’t speak carelessly.

Yet, they are still called blockchain researchers, digital economy legal researchers, and even publish books that are worthless.

I admit you are strong in the legal field, but I can immediately tell when you are bragging about something you don’t understand. Or you could genuinely learn; I’ve encountered many clients who were “fooled” by certain lawyers. Our persona is that of high-end individuals, so let’s not haggle over a few thousand yuan.

Thus, in 2024, various online gambling cases allowed various legal firms and local resourceful lawyers to make a fortune. Legal Uncle Liu has also written millions of words of tutorials in this industry, and many novices have followed suit, managing to lift many restrictions themselves.

In 2023, various legal firms collaborated with lawyers and law firms, operating models that directly burned money on short video ads. As long as someone inquired, they would take the order and create a group, with backend staff handling delivery, generating tens of millions in business in a month with hundreds of employees. However, unfortunately, the delivery rate was only 20%.

But they didn’t care; if complaints were severe, they would refund. Such large law firms have basically gone silent now.

At this time, independent practicing lawyers began to learn and enter the industry, but the lawyer identity could only generate trust on the traffic side and could not efficiently solve problems using the lawyer identity.

Why is that?

This is called the non-litigation legal industry. Many times, in fraud cases, as long as individual sellers can eliminate their suspicion of fraud and get a refund, the problem can be resolved, sometimes even remotely. However, when a lawyer is hired, the uncle will definitely handle it formally. If the process is not standard, the lawyer will definitely find a flaw, claiming that the procedure is illegal. Therefore, the uncles are resistant to lawyers and can only follow the normal process, even directly refusing to let lawyers call them for statements.

So the uncles will not directly respond to lawyers’ calls. If lawyers submit legal opinions offline, the cost for individuals will be at least several thousand more.

Thus, the delivery rate for lawyers is only about 80%.

In 2024, several new methods appeared in the unfreezing track:

Represented by Chongqing K Hang and Jiangxi General Wu, they operated on a larger scale, with around 200 employees using a paid traffic model, generating business volumes of several million to tens of millions a month, with backend staff assisting in delivery, earning about 50 yuan per case.

Jun Kai, unable to receive business on Zhihu, began to shift to the short video track, primarily using free traffic and collaborating with four lawyers, with an average customer price of around 3,000 yuan, using a secondary conversion model. The unfreezing skill involves first contacting the uncle for a refund; if the uncle doesn’t agree, the lawyer is called to resolve it offline, charging a secondary fee, with costs split 55-45 with the lawyer.

The delivery rate is about 80%, claiming to distribute 500,000 to lawyers in a year, but they cannot handle the two-card list and disconnection punishment.

The model of internet celebrity lawyers is to do screening, charging around 300 for short video consultations, even providing fake materials. The transaction rate is relatively low, but due to the lawyer’s identity backing, the traffic is enormous.

At this time, Douyin short videos began to gain traction, with many law firms directly scamming, regardless of whether they could solve the problem, simply taking orders first. If they couldn’t resolve the client’s issues, they would just resolve the client.

Many law firms dealing with debts began to transform because Legal Uncle Liu started to conceal some real insights and techniques, resulting in a low delivery rate in the industry. Many lawyers and law firms sought Legal Uncle Liu for collaboration, but after screening, I found they were all looking to take advantage.

I wanted to open my own law firm. When the owner of the Fangzhu Law Firm in Guizhou approached Legal Uncle Liu, he accurately grasped my needs, telling me he could fulfill my wish to open a law firm and wanted to collaborate, saying he would pay for traffic, and we would handle delivery, later helping me open the law firm.

Legal Uncle Liu was still too naive; to pursue his dream, he agreed to him. We arranged a team to go to Guizhou, but after a month, not a single cent was spent on traffic, and they kept asking our team to teach them how to deliver.

Later, Legal Uncle Liu taught them delivery through practical experience, giving them four cases, one of which the other lawyer failed (Legal Uncle Liu solved it remotely), and two were confirmed by Legal Uncle Liu and the uncle, letting the lawyer run errands to submit materials, splitting the fees, which amounted to about 30,000 yuan.

Later, Legal Uncle Liu secured an investment of 1 million yuan. I said we could start the law firm; I would invest 1 million, and the other party would symbolically contribute 20,000 for collaboration. However, they surprisingly didn’t follow through, and I realized I had been taken advantage of.

At the same time, the other party’s lawyer account, Guizhou Ran Law, began to gain traction, with enormous traffic, initially using Legal Uncle Liu’s scripts, reading them verbatim with stiff expressions.

That same year, Legal Uncle Liu continued to operate meticulously on Zhihu and his public account. When the customer price for short videos was around 3,000, Legal Uncle Liu filtered high-end clients through social media content, raising the customer price to around 30,000.

No one can compete with me in the text-based media field because Legal Uncle Liu has been writing public accounts for ten years, becoming an industry evangelist.

Legal Uncle Liu has always defined himself as an industry evangelist; anyone involved in unfreezing has, to some extent, gained knowledge and insights from Legal Uncle Liu.

In the short video era, users do not need education; as long as you put out ads, those in need will naturally come to you, but the industry needs evangelists.

Thus, most knowledge-based bloggers output intensively for a period but fail to receive positive feedback and have to stop updating.

Some may choose to create for love, but no one will continuously create for free out of love. When users see knowledge-based bloggers, they think their contributions are expected, merely seeking traffic or making money.

And when bloggers output knowledge, it is relatively dry, making it difficult to gain substantial fan support, let alone monetize.

The two sides seem like two parallel lines that cannot intersect. However, for more individual content creators, their output is tangible, but due to constraints of traffic, influence, business models, management, and even strategic cycles, they cannot convert it into income.

But Legal Uncle Liu is different; he has been in text-based media for ten years, with a very mature business model and excellent user experience. Although he doesn’t make a lot of money, it remains stable. Even if the media account is banned, the foundation will not break, and he can quickly recover because Legal Uncle Liu has always written industry insights, and users will naturally vote with their feet.

Those who have been deceived by peers will eventually come to Legal Uncle Liu because he has the highest delivery rate online, with a 100% delivery rate for the two-card list and disconnection punishment. This is enough to sustain for three years.

Finally, let’s overturn the industry’s pot: anyone who tells you they can help you lift the two-card list, disconnection punishment, and all associated aftereffects is a scammer. Just blacklist them. If the fee for the two-card list is below 30,000, blacklist them and treat them as scammers.

This is the experience of our team’s Legal Uncle Liu in unfreezing cards. Rest assured, unfreezing is a profession.

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