Why can some normal deposits and withdrawals trigger risk controls or account restrictions? Because in digital asset trading, deposits and withdrawals aren't just about 'sending money over and getting crypto back.' Especially in C2C or large-scale OTC transactions, banks and platforms may review the source of the funds, the accounts involved, and whether the records are complete. If the counterparty's fund source is complex or the transfer chain is unclear, even normal transactions might require additional documentation or face account restrictions. So when understanding OTC, you can't just think of it as 'swapping for USDT.' OTC typically involves multiple steps between fiat and digital assets, including price inquiries, transactions, payments, on-chain transfers, fiat settlements, and subsequent reconciliations. In scenarios involving larger funds, OTC is often used for large stablecoin exchanges, fund allocation, liquidity arrangements related to trading, corporate operational fund management, and cross-market fund transfers. Take BIT OTC as an example; its public introduction includes the following features: - Supports digital assets like USDT, USDC, BTC, ETH, as well as fiat currencies like USD, HKD, EUR for settlement. - Allows self-service quoting, order placement, and viewing of historical records via Web/App. - Provides dedicated support teams for large or complex orders. - Offers same-name virtual accounts (VA), enabling clients to transfer funds between accounts under their name or their institution's name. Overall, OTC isn't just about completing an exchange; it also involves fund pathways, settlement arrangements, and record retention. For larger amounts or more complex pathways, understanding these steps in advance is part of risk management. Digital asset trading carries high risks and may result in the loss of all principal. Users should independently assess their situation, and this content does not constitute investment advice.