A friend of mine recently suffered a major setback—just as he was about to withdraw U, his payment account was suddenly frozen. After hearing him describe the whole process, I finally understood where the problem was, and it serves as a warning to everyone. Today, I must clarify this matter to prevent more people from making the same mistakes.

His situation was as follows: when withdrawing funds, the merchant proposed to transfer via a family member’s account. He didn’t think much of it and agreed. A few minutes after the money arrived, the account was immediately frozen. Later, the bank customer service explained that the merchant’s payment source was suspicious, triggering the risk control mechanism. In plain terms, the merchant either wanted to bypass platform rules or the payment funds themselves were problematic—either way, having the account frozen was only a matter of time.

This incident reminded me of some ironclad rules I’ve developed over the years. I always operate this way and have never had a problem:

**The first rule is the bottom line: refuse accounts that are not your own.** No matter what reason the merchant gives—friend’s payment, family help, or just going through the process—don’t be soft. Refuse, cancel the order, or switch merchants—it's that simple. Taking a step forward could land you in a trap, and there’s no room for negotiation.

**The second rule is to prioritize merchants with strict verification.** These merchants have clear transaction records and reliable reputation, adding an extra layer of security. Some people try to save a few cents on exchange rates—for example, saving ten yuan on a 1000-yuan transaction—but end up risking account freezing. No deal is worth that risk.

**The third rule is to learn the standard procedures thoroughly.** Withdrawing funds isn’t that complicated. Carefully studying the standard operations can help you avoid most pitfalls. The crypto world is indeed deep, but doing your homework in advance can save you a lot of detours.

A final piece of advice: no matter how long you’ve been in the crypto space, be cautious with withdrawals. Reliable merchants, standardized processes, and strict risk control awareness are key to protecting your hard-earned profits. Conduct each transaction diligently—only then can you survive longer in this market.