People in the crypto circle often say: "Making more money isn't as stable as just cashing out safely"—and this really hits the nail on the head.

Recently, a friend’s crypto assets multiplied by dozens of times, and he planned to cash out a few million yuan. But after transferring only 500,000 yuan to his bank account, the bank’s relationship manager immediately called with a series of questions that made him break out in a cold sweat. This isn’t an isolated case. As someone who has been in this space for years, I want to share some insights on the "safe withdrawal" process—especially for friends with larger funds—based on real experience and regulatory logic.

**Core Points of Bank Risk Control**

Many people misunderstand and think, "Small transfers won’t attract the bank’s attention; only large ones will be scrutinized." But the bank’s risk control system is much more detailed than that. There are two key principles to remember:

**First is the amount threshold.** If the total amount in a single day reaches over 500,000 yuan, it will trigger the bank’s "large transaction report" and automatically flag the transaction. After that, the relationship manager is very likely to call you with "greetings"—ostensibly to recommend financial products, but actually to probe the specific destination of the funds. At this point, stay calm and simply say "investment returns" without over-explaining or appearing nervous.

**Second is the transfer frequency.** No matter how small the amount, if there are frequent transactions in a short period (for example, 10 transactions in one day, each involving tens of thousands, or transferring funds immediately after receipt), this will immediately trigger the "suspicious transaction monitoring" system. I’ve seen the most frustrating case: someone transferred 500,000 yuan daily over six days, and as a result, their non-counter transactions were restricted, they could only withdraw cash at the bank counter, and they were required to provide complete proof of the source of funds.

**Key Understanding**

Banks are not trying to suppress people making money; they are preventing "unknown source" funds. Once transaction flows show anomalies, the account may be restricted or even frozen. Therefore, planning the withdrawal rhythm in advance is much wiser than trying to explain after the fact.