#加密货币监管 China Construction Bank locked the account over a transfer note saying "This week's Dogecoin." This may seem absurd, but it reflects the rapid tightening of regulatory oversight behind the scenes. Having been in this circle for many years, I’ve seen too many people frozen, limited, or even permanently closed accounts due to a single careless mistake.

The key issue is—how does the bank expect you to prove that the transfer note "has nothing to do with virtual currency"? What kind of proof? Bank statements? Marriage certificates? The logic itself is flawed, but the bank's decision prevails. This is the reality now: regulatory authorities and financial institutions are tightening their controls simultaneously. Any trace that might be linked to virtual currencies is considered "high risk."

My advice to those who want to stay long in this field: First, never mention any cryptocurrency names in bank transfer notes, no matter how unintentional; second, keep personal accounts and trading accounts strictly separate; third, the current environment no longer supports participating in virtual currency trading through traditional banks domestically. Instead of hiding and risking penalties, it’s better to actively embrace compliant channels.

This is not alarmism; it’s the painful lesson learned from experience. Those still operating in legal gray areas will be dealt with sooner or later. Instead of waiting to be frozen, it’s better to adjust your strategy now.