Yesterday I chatted with a lawyer fren, he said the exchange issues U, use Alipay, don't use bank card.

The risk control mechanism of Alipay is "preemptive + real-time" monitoring, and the bank card triggers cumulative transactions.

Alipay can use algorithm models and abnormal transaction monitoring to stop risks at the "buy U party". On the other hand, the freezing of bank cards occurs after the money reaches your card, triggering the background warning from the People's Bank of China monitoring or public security associations, and the risk is borne by the "sell U party".