To ensure the safety of ASTX platform users’ funds, prevent the inflow of illegal funds, and reduce the risk of bank cards being frozen, all users are advised to carefully read this guide and strictly comply with the relevant regulations to maintain a safe and stable trading environment.
Chapter 1: How to Effectively Avoid Illegal Funds and Prevent Bank Card Freezing
When conducting fiat currency transactions, users should pay attention to the following:
1. Account Transfer Rules
• Do not accept transfers from non-personal accounts: All incoming payments must come from a verified account matching the identity of the trading counterpart. If a transfer from a non-verified account is received, it should be returned via the original route to avoid triggering bank risk controls.
• Avoid third-party payments: Using another person’s account for payment or collection is prohibited; the payer’s real identity must match the transaction.
2. Handling Transfers with Sensitive Words
• Avoid sensitive notes: Do not include words like “USDT,” “BTC,” “ETH,” or other cryptocurrency-related terms in transfer memos.
• Fund filtering: If a transfer containing sensitive terms is received, it is recommended to return it via the original route and mark it as “Mistaken Transfer” to reduce the risk of account freezing.
3. Separate Use of Collection and Payment Cards
• Dedicated cards: Use separate cards for collection and payment to avoid mixing funds, which may trigger risk controls.
• Regularly change collection cards: Frequently used collection cards should be replaced periodically, and funds should be transferred to a secure card.
4. Fund Management and Flow
• Minimize funds remaining in collection cards: Avoid holding large sums for long periods and regularly transfer funds to secure cards or investment accounts.
• Rotate cards regularly: Use multiple cards to disperse funds and reduce the risk of freezing.
5. Card Usage Check
• Long-unused bank cards: Test with a small transaction before first use to ensure the account can send and receive funds normally.
Chapter 2: Fund Filtering Strategies
Fund filtering can effectively reduce bank risk control triggers and make transaction funds safer and compliant.
1. Methods of Fund Filtering
(1) Filtering through Alipay or Yu’ebao
• After receiving funds, deposit them into an Alipay balance or Yu’ebao account.
• After a certain period or completion of investment operations, transfer funds to another secure bank card.
(2) Filtering via Short-term Investment Products
• Deposit funds into reliable investment platforms (e.g., Lufax, Yu’ebao) and purchase short-term or demand-based investment products (e.g., 7-day or 30-day deposits).
• Withdraw to a new bank card after maturity to avoid triggering risk controls from frequent transactions.
(3) Withdraw Cash and Deposit to a New Card (for Small Transactions)
• After receiving funds in a bank card, first withdraw cash and then deposit it into a secure bank card.
• Prefer branch counter operations; frequent ATM or mobile banking usage may trigger risk controls.
Note: Fund filtering must comply with banking and national laws to ensure transactions are legal and compliant.
Chapter 3: Handling Frozen Bank Cards
Frozen bank cards are classified as Bank Freezing and Judicial Freezing, with the following handling methods:
Section 1: Bank Freezing
1. Causes of Freezing
• Bank risk control: Some banks do not support cryptocurrency transactions. Accounts involved in cryptocurrency transactions (e.g., notes containing BTC/ETH/USDT) may be frozen.
• Abnormal trading behaviors:
• Late-night large transfers
• High-frequency or multi-account transactions
• Sudden large transactions on long-unused cards
• Transfer notes containing sensitive words
2. Handling Procedure
• Contact the bank: Inquire about the reason for freezing and processing steps.
• Provide documentation:
• ID/passport
• Proof of fund source (salary statements, transaction records)
• Bank statement (with bank stamp)
• Wait for review and unfreeze: Generally completed within 7–15 business days, after which account access is restored.
3. Preventive Measures
• Remind the counterparty not to include cryptocurrency-related notes.
• Rotate multiple bank cards to avoid frequent use of a single card.
• Regularly transfer funds to reduce the risk of freezing due to large transactions.
Section 2: Judicial Freezing
1. Causes of Freezing
• Suspected illegal funds: Account funds are linked to cases such as fraud, pyramid schemes, or illegal fundraising.
• Listed for investigation: Fund flows are related to criminal cases.
2. Handling Procedure
Understand the freezing status • Contact the bank or authorities to obtain information about the freeze (duration, type, responsible agency). Prepare materials • Proof of identity • Recent transaction evidence • Bank statements (with official stamp) • Proof of income source (salary slips, invoices, etc.) Cooperate with the investigation • Submit materials to authorities to demonstrate the legality of fund sources • Short-term freezing (36–72 hours): Wait patiently for automatic unfreezing • Long-term freezing (6 months–1 year): Cannot unfreeze until the case concludes; cooperation with investigation required Transfer funds after unfreezing • Transfer funds immediately to avoid a second freeze.
3. Preventive Measures
• Fund filtering: Filter funds from collection cards before transferring.
• Real-name collection and payment: Ensure the counterparty’s identity and bank card match.
• Return non-verified payments immediately and note “Mistaken Transfer” to avoid account involvement in cases.
Conclusion
Strictly following fund management rules, separating collection and payment cards, and performing proper fund filtering can significantly reduce the risk of bank card freezing. In the event of a freeze, promptly contact the bank or judicial authority and provide legal documentation to cooperate with the resolution.