Dear Users:
To help you better understand the causes of bank card freezing and effectively avoid related risks, we hereby provide the following explanation and preventive measures regarding “card freezing”:
1. What is Card Freezing?
“Card freezing” refers to a situation where a bank card is restricted due to abnormal transactions or triggers from the bank’s or judicial authority’s risk control systems, resulting in the inability to receive payments, transfer funds, or withdraw money.
It mainly includes two types:
1. Bank Risk-Control Freezing
Banks may freeze accounts based on anti-money laundering (AML) rules and internal risk-control policies if abnormal behavior is detected.
Common triggers:
• Frequent transactions or too many counterparties
• Multiple large transactions within a short time
• Long-term low balance but suddenly transferring large amounts
• Sensitive remarks such as “USDT”, “BTC”, “ETH”, etc.
2. Judicial Freezing
Judicial authorities may freeze an account temporarily or long-term during case investigations.
Typical situations include:
• Account linked to fraud, money laundering, illegal fundraising, etc.
• Counterparty involved in a criminal case, causing chain-freeze of related funds
Types:
• Temporary freeze (36–72 hours): usually lifted automatically if unrelated
• Long-term freeze (6–12 months or more): requires case conclusion or withdrawal
2. How to Prevent Bank Card Freezing?
1. Capital & Transaction Management
• Separate receiving and payment cards
• Avoid excessive transactions on a single card
• Avoid large/high-frequency transfers at late hours
• Prefer receiving payments from real-name accounts
• Avoid sensitive keywords like “USDT” in transfer remarks
2. Fund Filtering (for high-frequency or large-amount users)
(1) Alipay Filtering (≤ 1.15M CNY)
• Step 1: Transfer funds from receiving card to Alipay balance/Yu’ebao
• Step 2: Transfer from Yu’ebao to another payment bank card
(2) Financial Platform Filtering (for large amounts)
• Step 1: Transfer funds to a licensed wealth platform
• Step 2: Buy short-term products → withdraw to new bank card
Note: May have delays and platform risk — choose carefully.
(3) Cash Deposit/Withdrawal Filtering (for small amounts)
• Step 1: Withdraw cash from receiving card
• Step 2: Deposit into another secure bank card
3. Account Management Advice
• Avoid keeping large long-term balances
• Do not conduct sudden large transactions on long-unused cards
• Transfer funds to a safe card or account after receiving
• Maintain good credit and avoid high-risk transactions
3. What to Do If Your Bank Card Is Frozen?
1. Bank Risk-Control Freeze
Steps:
Contact your bank and confirm the freeze reason Provide required documents (ID, transaction records, proof of funds)
2. Judicial Freeze
Steps:
Contact the investigating authority for details and freeze duration Prepare documents: • ID • Stamped bank statements • Legal income proof (contracts, payroll, etc.) • Employment certificate
⚠️ Important: Do NOT explain income as “crypto trading.”
Cooperate with investigation After unfreeze, transfer funds promptly to avoid recurrence
4. Summary
To reduce the risk of bank card freezing, please ensure:
• Proper capital planning; avoid high-frequency or large-amount operations on one card
• Use separate cards for receiving and paying
• Use fund-filtering methods when needed
• Communicate with bank or judicial authorities promptly if freezing occurs
ASTX will continue to provide safe and compliant service experiences for all users.