2025 Bank Regulation Upgrade: How High-Net-Worth Individuals in the Crypto Space Can Safely Use Bank Accounts!
You may have never had your card frozen by authorities, nor have you been to a bank.
Just because you haven't been frozen or controlled doesn't mean it won't happen; it just hasn't been necessary yet! As I always say, first discuss the underlying logic, then talk about solutions!
We are all ordinary people, and you must abide by the operational rules of society and the underlying logic. In this survival state governed by the law of the jungle, you must adhere to and study certain rules.
For example, the rules of banks; they are professional risk control institutions. How could your little tricks possibly compete with such a massive machine?
My article is intended for those with a foundational understanding or similar experiences. If you don't understand it, please focus on your own work and don't criticize me, because you haven't reached this level. For instance, if I say how to withdraw 30 million from the crypto space, you can't expect to create a tutorial for 30 million with just a 100 yuan experience. Do you think that's possible? The only way is for you to earn 30 million and then come back to tell me my tutorial is wrong.
I've already gone through your experiences, so if you're not at the same level, don't criticize.
Now, let's talk about something important:
You might think that just because your bank card has no stop-payment records, your funds are absolutely safe. But I'm here to tell you a piece of knowledge that the entire internet lacks: most of the funds you sell on exchanges will be checked by the authorities.
When normal funds enter, the bank won't call to ask about your situation. Understand this: if problematic funds enter your account, the authorities will check, and then the bank's account manager will be cautious and need to conduct due diligence, writing a report. This is why you might receive a call from the bank asking about the source of your funds.
(That's why I always teach friends who have dealt with U on how to respond to the bank's inquiries.)
If you frequently trade such funds on exchanges, you will be listed as a high-risk customer by the bank. Once one bank lists you, it will be uploaded to the central bank's system, which will then sync with major commercial banks.
This is one source of the central bank's blacklist, which affects your ability to get loans. Most retail investors in the crypto space are on the central bank's blacklist, and their loan applications are instantly rejected. You can check this yourself.
As for crypto traders, 90% are on the two-card involvement list, the central bank's blacklist, or involved in gambling or fraud. They may seem to have made some small money, but they will pay for it for a lifetime.
Retail investors think that cashing out is safe, but in reality, most end up worse off.
Do not rent, lend, or sell your bank account. Understand that this applies to anyone; not even your father!
Just because you sold your card doesn't mean it's a sale. Allowing someone else to operate your phone or account is illegal. Do not accept any funds from strangers, and do not transfer money to anyone you don't know. Any incoming or outgoing transactions must have a real reason noted. Again, I emphasize: do not give your phone account, bank card, or password to anyone. If you really need to receive money via bank card, you must verify the identity of the payer and ensure it matches the sender. If it doesn't match, you must immediately return it and note: "Returned due to wrong transfer." This is the only way to protect yourself. I've organized a few key points for everyone.
Absolutely do not accept funds from strangers; you must know the identity of anyone transferring money.
Merchants doing business should directly open a third-party payment code and never use personal bank accounts for receiving payments. You can use a corporate account to issue invoices.
Foreign trade merchants, flower shops, mobile phone stores, second-hand luxury goods stores, watch shops, gold shops, second-hand car dealerships, tobacco shops, ride-hailing drivers, students with part-time jobs, and those engaging in online loan transactions are all high-risk groups. Businesspeople must not directly receive payments after online contact; do not conduct remote transactions for high-value goods without meeting in person. Before shipping high-value items, you must register and verify the buyer's identity. Selling idle items on platforms like Xianyu must not be done privately outside the platform.
For high-value items offline, you must verify that the buyer, payer, and person at the store are the same individual, meaning real-name transactions. This is a risk control method for crypto traders and can also be applied in business.
Do not bind your bank account to any dubious platforms, such as WD platforms or virtual currency exchanges.
Do not participate in any order brushing, part-time tasks, or loan laundering activities. Do not lend your card number or account to anyone, not even your father.
Do not accept any funds from strangers, and do not use your bank card to sell virtual currencies or withdraw cash from online platforms.
The highest risk behavior with bank cards is accepting funds from strangers: remember this, and you will never have your card frozen.
Yesterday, official data was released showing that since 2025, the Ministry of Public Security has issued 780,000 clues regarding card freezing, and 230,000 individuals involved in card-related crimes have been investigated. Among them, 550,000 people have not committed crimes but have been placed under financial control (the two-card list). Unfortunately, there are no lawyers specializing in the non-litigation field of financial control for those who have not committed crimes related to the two-card issue. The main battlefield is addressing the aftermath of unfreezing bank cards, which is a brand new track. For example, the two-card list and so-called credit punishment are niche areas that no one in the entire internet lawyer community can handle.
This is just this year's data. Adding the previous five years, the number of people on the two-card list is enormous, and most lawyers and peers have yet to understand this track.
So how can we in the crypto space correctly use our bank accounts?
If you need to test your card, meaning you need to verify whether your bank account is under risk control when receiving a large amount of money, do not send a small amount first. If your bank card is not frozen, do not let a large sum of money enter; this is a big taboo. Instead, test with a small amount before a large deposit.
You can directly bind your Alipay fund account for regular investments, putting in 10-100 yuan daily, with automatic deductions every morning. If the deduction is successful, then your account is normal.
If you occasionally need to withdraw a large amount, do not buy and sell on exchanges. Most accounts on exchanges are risk accounts, and interacting multiple times with risk accounts will expose you to risk.
The correct approach is to have a large deposit into Alipay, leave it untouched, and automatically invest it in products like Yulibao from MyBank. When you need it, transfer it to your bank account. This way, it's a transfer between accounts with the same name, which significantly reduces risk.
However, the only prerequisite is to find a familiar and trusted crypto trader; the funds must be absolutely safe. Any method that encounters unsafe funds will render everything ineffective and could lead to serious consequences.
Recently, there was a viral message in social circles stating, "Personal accounts receiving over 500,000 will be strictly investigated," causing widespread panic. A friend who runs an online store received a payment and had their card frozen, making them extremely anxious. The truth of this news is mixed, but indeed, since 2025, banks have become stricter and smarter in monitoring accounts.
It is indeed true that large deposits will trigger alerts in the bank's system. However, the first response is from the marketing system; the financial manager will notice a big client and will come to market to you. This is the first so-called "strict investigation." The second system is risk control, which is internal to the bank and won't be discussed here.
So if you have some savings, you must establish a connection with the bank's financial manager (client manager) and become a qualified client within a gold card tier. If you have a large amount of money coming in, please inform the financial manager in advance, and you can resolve over 90% of the issues.
Of course, there are also those on the whitelist accounts that won't be flagged by non-counter transactions; these require resources.
How much money counts as "excess"? The new standard for 2025!
Don't just focus on that 500,000 figure! The bank is watching your account's "every move." Different transaction types have different red lines:
- Cash withdrawal/deposit: If the total of deposits and withdrawals exceeds 50,000 in one day? Reported!
- Transfers between domestic personal accounts: If the total transfers in and out exceed 500,000 within a month? Or a single transaction exceeds 200,000? Pay close attention!
- Transferring money back and forth with foreign personal accounts: If the total exceeds 50,000 (or equivalent foreign currency) within a month? Dangerous move!
- Using platforms like WeChat and Alipay for payments: If a single transaction exceeds 2 million? Automatically tagged as "abnormal"!
- Transferring money from a public account to a private account (public to private): The system is very sensitive; large amounts will definitely be checked!
Four key points for safely receiving money, remember them!
Do not accept any money from strangers; all incoming and outgoing transactions must be noted with their source and destination.
Separate your savings, salary, and pocket money; the money in your savings account must have a legal source and be traceable.
No need to mention the salary card; do not accept any risky funds!
Keep some cash at home at all times!
For uncertain funds, use the account of an elderly family member (80 years old) to receive payments, and then use it for daily expenses.
Of course, the best solution is to never touch the red line.
In fact, high-net-worth individuals in the crypto space do not need to convert stablecoins into fiat currency. Stablecoins are a type of currency themselves; you can use them to buy anything, from convenience stores, supermarkets, and gas stations to daily household expenses, and even for large purchases like cars and houses. They can be used directly, so why go through the trouble of converting them into fiat? Don't you agree?
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