Transferring a hundred million in real gold and cash from your crypto account to your bank card sounds exhilarating? The reality might leave you completely stunned.

Nowadays, converting crypto assets into cash isn't as simple as clicking a few buttons. You might think you're just turning digital numbers into paper money, but in reality, you're challenging the entire financial monitoring system—from the bank’s risk control radar to tax authority databases, and even police case systems—all watching your money.

# The Bank Suddenly Becomes "Warm" Toward You

One day, your personal account suddenly receives a few million? Don't celebrate too early. Crossing the 5 million mark is a threshold, and after that, you'll find:

The account manager smiles and invites you for "tea," but in reality, they're interrogating where your money came from. They're not checking if you have money; they're verifying whether this money matches your profile—it's absurd to see someone suddenly with tens of millions after running a Didi business.

The risk control department will scrutinize your transaction history like investigating a case. Every inflow, the intermediate transfers, and who ultimately benefits—all must have a reasonable explanation. If you can't clarify, expect to be summoned for questioning.

Even more severe, the bank might "recommend" you buy some financial products. You might think it's a sales pitch? Wrong. It's a method to bring your suspicious funds under regulatory oversight. If you refuse to cooperate, your account could be restricted—your money stays in the account, but you can't access or move it.

# Your Money Will Be Labeled

According to current regulations, involved funds are categorized into three levels:

The lightest is money linked to minor gray-area activities, such as accidentally helping a scam group process transactions. In such cases, the account is usually frozen for about half a year.