Recently, some friends asked me how to handle crypto deposits and withdrawals more securely. Let me share my experience.

A Hong Kong bank card is a good choice, since it’s compliant. My current process is: first withdraw from the exchange to a Hong Kong card, then directly link it to mainland mobile payment tools. Daily spending is totally fine.

A suggestion: right now, platforms have strict risk controls, so it’s best not to frequently transfer funds back to mainland accounts in the short term. Just use your Hong Kong card for spending—it feels pretty much the same as using a mainland card. If you find the regular card’s limit isn’t enough, you can consider upgrading to a premium account, which basically has no limit restrictions.

This setup has been really stable for me, so I’m sharing it for those who need it.