Recently, with the increasingly stringent supervision, a large number of miners continue to go to sea. In addition, the occurrence of bank card freezing in our daily life is also becoming more and more frequent.

A lawyer said, “Uninformed traders may have their cards frozen because they were involved in money laundering, and received black money without knowing it.” Due to the anonymity of virtual currencies, off-site transactions have become the hardest hit areas for black and gray assets such as online gambling , It has become a key area of ​​supervision for anti-money laundering by the regulatory authorities before, and the phenomenon of "frozen cards" has become more serious recently.

An investor reported that he could not pay for transactions using WeChat Pay, and the transaction function was restricted. The reply of WeChat Pay was, "The current transaction is suspected of fraud risk."

Blue Shell Academy has summarized the following three points for your reference:

1. How to prevent black money collection

1. Payment must be separated! Separate the receiving card and payment card into two or more different cards. The advantage of doing this is for safety. At present, the collection card is the most unsafe card, so the funds should be filtered and placed in a safe payment card;

2. The balance of a single bank card should not be too large;

3. Be sure to open KYC face recognition, and require the payer to pay with real name (the real name of the platform is the same as the name of the bank card payment), which can prevent the first-hand black money from being received to the greatest extent;

4. When receiving non-real-name payment, it is required to return it by the original route (remarks when returning: typo is wrong).

2. How to unfreeze after encountering black money, go to the police station process:

1. Material preparation:

Necessary materials: ID card, recent transaction certificate, bank statement (official seal); additional auxiliary materials: materials that can prove your source of income and work status: If you are in business or have a serious job, buying and selling digital currency is just a hobby , it is generally easy to get rid of suspicion. Therefore, it will be of great help to prepare a document that proves the property of your serious work income.

2. Understand the basic process:

(1) The process usually involves four places. The "local police station" collects evidence after reporting the case and submits it to the local "anti-fraud center". The "anti-fraud center" freezes the case and transfers the case to criminal investigation or economic investigation. Therefore, you should go to the criminal investigation first, and then go to the "Anti-Fraud Center" if the problem still cannot be solved;

(2) For 90% of such frozen cases, you only need to submit a water proof, and the police will unfreeze you. If the nature of the case is serious and the local police dare not take responsibility, you can ask them to freeze only the amount involved in the case. For example, if your frozen account has 220,000 yuan, the amount involved may be 60,000 yuan. After negotiation, let the police freeze only 60,000 yuan, leaving 160,000 yuan. Wan thaw;

3. Huoshu trading virtual currency does not break the law in principle, so there is no need to panic. Be sure to tell the truth with the police, and show the truth of the specific situation; when necessary, you can move it with emotion and understand it with reason.

1. Bank card freezing In the process of over-the-counter transactions, blockchain asset sellers must remember to check the real name information of the sender. If you forget to check the real name, you may receive funds from unknown sources, resulting in the freezing of the bank card. What should I do if my bank card has been frozen?

First of all, you should contact the bank of account opening on a working day and ask the following questions:

What kind of bank card freezing method is it?

How long has the bank card been frozen in total?

Where is the freezing mechanism?

Usually bank card freezing includes the following two situations: bank freezing and judicial freezing.

There are two types of bank freezes:

A. The bank transfer system is frozen

Reason for freezing: Banks in some countries and regions do not allow bank accounts to participate in digital asset transactions (for example, because BTC, ETH, USDT, etc. When trading, the bank will freeze or suspend some trading permissions;

Or because of the behavior of this account, such as large transfers late at night, frequent transactions with multiple people, and no balance in the card for a long time, etc., the bank's anti-money laundering system was triggered.

Generally speaking, the bank will not directly freeze the bank card, but will only restrict your non-counter business or "only pay but not receive", that is, suspend part of your transaction authority.

Solution:

Contact your account opening bank, bring the materials required by the bank (generally explaining the reasons for the transfer of funds), and cooperate with the processing. Usually it will be thawed within three working days.

How to prevent it?

First, when dealing with buyers, remind the other party not to note sensitive words such as USDT and BTC.

Second, second, don't just use one bank card, you can prepare a few more and change one every once in a while.

B. Judicial freeze

Reasons for freezing: The logic of judicial freezing varies according to the judicial procedures of various countries, but they are generally similar.

It is not usually the case that you receive the funds in question and they are immediately blocked. You may be blocked for transactions older than 1 month.

But generally speaking, it's because a transaction from a few days ago was frozen. This transaction may be money from a telecom fraud, after several handovers, it will reach the platform. When the defrauded person reports the case to the police, they will follow the transfer route of the funds and freeze almost all the cards on the same line.

There are two cases of judicial freezing:

1. Temporary freezing by the police usually freezes for 36 hours to 72 hours, and you are not a card that directly accepts black money.

Solution:

Wait patiently and cooperate with the police investigation. Within two or three working days, it will be automatically unfrozen when it expires.

2. When the police ask the people's court to freeze the case, the freezing time is usually between half a year and one year, and the freezing period can also be extended until the case is closed or withdrawn.

Solution: contact the public security bureau that freezes your location as soon as possible, bring the recent transaction certificate, and the bank statement (usually half a year period) with the official seal. Then ask the police which of your receipts led to you being implicated. Then provide relevant materials in accordance with the requirements of the local police.

When the above materials are provided to the police, they will usually be unfrozen in about a week (the regulations of each public security bureau are different, some can unfreeze or unfreeze part of the assets after providing the information, and some can only be unfrozen if the case is closed).

In a legal sense, if you really did not participate in telecom fraud or money laundering, but were frozen because of the sale of digital assets, then you should be a bona fide victim involved, and it is recommended to consult a relevant lawyer.

Blue Shell Academy reminds:

After being frozen, contact the opening bank or the bank's hotline, and you need to get three pieces of information: the freezing period, the freezing method (bank freezing or judicial freezing), and the freezing agency.