Earning profits through trading cryptocurrencies only to find yourself in a dilemma at the moment of withdrawal sounds like a joke, but it’s happening in reality.

"Your account has been suspended from non-counter transactions." This notification from the bank has become a nightmare for many in the crypto community after cashing out. Someone just successfully withdrew 30,000 USDT to their account, and in less than two hours, the entire account was frozen. The money indeed arrived in the account, but it was completely inaccessible—under investigation and frozen.

This is not an isolated case. Currently, regulations are tightening continuously, and risk control standards are becoming more stringent. The traditional route of "cryptocurrency → OTC trading → bank fiat" has become uncontrollable and unpredictable. Even a single USDT with unclear origin, once traced back to any suspicious history, can cause the entire account to be frozen for months. The excitement of making money is instantly overwhelmed by a sense of helplessness.

**Where exactly is the problem?**

At its core, the bridge from "crypto to fiat" is extremely fragile. The first pitfall is the lack of traceability—you simply cannot know what your USDT has experienced before entering your wallet. If it has been involved in any sensitive transactions, you become a target for risk control. The second, even more painful pitfall: once assets are converted into fiat and deposited into a bank, they are completely removed from the crypto ecosystem’s value-adding cycle, turning into "dead money" eaten away by inflation.

So the question is— is there a way to cash out profits, hold stable value, and still let assets continue to generate returns on-chain, while completely avoiding the squeeze of bank risk control? This is precisely what decentralized finance aims to solve.