Crypto People's Greatest Heartache: Making Money Is Easy, Withdrawing Money Is Difficult

— Sharing from real-world experience
In the crypto market, losses are not always the biggest shock. What truly leaves many people “frozen” is: the account is in profit, stablecoins have been sold, money has been transferred to the bank… but cannot be used.
Familiar message:
“Your account is temporarily restricted from transactions due to the need to verify the source of funds.”
The balance remains the same. The number doesn’t change at all. But you cannot withdraw, transfer, or use it. That feeling is even heavier than a market crash.
Why Are Accounts Frozen During Crypto Transactions?
The most common reason: suspicion that the funds are linked to unclear sources.
In OTC markets (buying and selling USDT through individual intermediaries), money may have gone through many transaction layers before reaching you. If at any point there is involvement in:
Fraud
Money laundering
Illegal gambling
Unlawful financial activities
When authorities trace, all accounts in the transaction chain can be scrutinized — even if you have no idea what’s happening.
Important to remember:
Being frozen doesn’t mean you’ve committed a crime.
In most cases, if you can prove the legitimacy of your funds, the account will be resolved.
What to Do When Your Account Is Frozen?
1️⃣ Stay calm
Panic won’t solve the problem. The first step is to confirm the reason for the freeze: whether the bank requires internal verification or external investigation.
2️⃣ Prepare complete documentation
You should keep:
Screenshots of transactions on the platform
Transaction history of USDT trades
Bank transfer statements
Chat history with OTC trading partners
These proofs help demonstrate that you are participating in legitimate transactions.
3️⃣ Proactively work with the bank
Contact the branch managing your account directly. Clearly explain:
You are trading crypto personally
You are not involved in illegal activities
You are willing to provide transaction history
4️⃣ If there is an investigation involved
Cooperate according to the proper procedures. In most cases, if no violation is involved, the account will be reopened after verification.
Prevention Is Always Better Than Handling Consequences
The crypto market involves not only price risks but also operational cash flow risks. Long-term survival requires not only profit-making but also safeguarding those gains.
Here are key risk management principles:
1️⃣ Separate Bank Accounts
Do not use your salary account for OTC trading
Do not use accounts with loans or installment payments
Have a dedicated account for crypto transactions
So that daily life is not affected if issues arise.
2️⃣ Choose Reputable Trading Partners
Prioritize long-standing accounts
Stable and large trading history
Avoid newly opened accounts even if they offer better prices
In crypto, “a few hundred dollars cheaper” isn’t worth risking safety.
3️⃣ Break Down Large Transactions
Avoid withdrawing too much at once
Divide into multiple smaller transactions
After funds arrive, wait a few days before using them
Sudden large cash flows are easily flagged by risk control systems.
4️⃣ Manage Your Psychology
Many focus only on:
Technical analysis
Market waves
Entry points
But forget the final part of the profit chain: bringing your money safely back to yourself.
Profits on the screen are just numbers. Only when converted into usable assets do they become real gains.
Earning Money Is a Skill, Keeping Money Is a Discipline
The crypto market has never been an easy path to wealth. It rewards discipline and punishes complacency.
Long-term survivors usually share three traits:
Avoid greed
Don’t put all your eggs in one basket
Never underestimate legal risks
In crypto, attacking helps you make money.
Defending helps you survive.
Conclusion
Many people made money during bull runs. But not many can hold onto their funds after a cycle.
The market is not just a game of profits — it’s also a game of risk management.
Remember:
Money truly belongs to you when you can use it safely.
Otherwise, it’s just a number in the system.