#加密货币监管 Seeing this news, my first reaction is—times really have changed.

Thinking back to 2017, during that cycle, regulators were still exploring, and the banking system's understanding of virtual currencies was incomplete. At that time, many people casually mentioned coin types in transfer remarks, and transactions still went through smoothly. But now, it's different. A simple mention of "Dogecoin" in a transfer remark can trigger a high-risk alert in the risk control system, and the account is directly frozen in a "no deposit, no withdrawal" state. This reflects that the financial system's attitude towards crypto assets has evolved to an "immediate interception" stage.

What’s more worth pondering is the bank’s handling logic—they require users to prove that the transfer is unrelated to virtual currencies, but there are no clear standards for proof. This vague regulatory approach reminds me of the several policy tightenings after 2021. Back then, mining pools also experienced similar ambiguity, which eventually led to outright bans. Now it seems that the risk control upgrades at the banking level might just be the beginning.

From an investor’s perspective, the significance of this is that the compliance process has penetrated from the project level into individuals’ daily transactions. Those still dreaming that the "gray area" can exist should wake up now. History has shown us that every regulatory upgrade will eliminate a batch of lagging participants and filter out truly viable tracks.

The question is, how many people are truly prepared?