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<!doctype html>
<html lang="zh-CN">
<head>
<meta charset="utf-8" />
<meta name="viewport" content="width=device-width, initial-scale=1" />
<title>OTC 收 USDT 银行卡被冻 — Write402</title>
<link rel="preconnect" href="https://fonts.googleapis.com" />
<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin />
<link
href="https://fonts.googleapis.com/css2?family=Inter:wght@600;700;800&family=JetBrains+Mono:wght@400;500;600;700&family=Noto+Sans+SC:wght@400;500;600;700&family=Noto+Serif+SC:wght@400;500;600;700;900&family=Spectral:ital,wght@0,400;0,500;0,600;0,800;1,400&display=swap"
rel="stylesheet"
/>
<style>
/* ============================================================
Write402 · Article
Human mode → editorial magazine layout (light, serif, TOC rail)
Agent mode → black terminal / markdown document
Toggle bottom-right switches the whole shell.
============================================================ */
*, *::before, *::after { box-sizing: border-box; }
:root {
/* editorial (human) */
--paper: #faf8f2;
--paper-2: #ffffff;
--paper-3: #f0ece1;
--ink: #181511;
--ink-2: #38332b;
--ink-3: #6f685c;
--ink-4: #a49c8d;
--rule: #181511;
--line: #e4ddcf;
--line-soft: #ece6d8;
--crimson: #8B1F30;
--crimson-2: #a83245;
--green: #2f6b3f;
--serif: 'Spectral', 'Noto Serif SC', Georgia, serif;
--serif-cjk: 'Noto Serif SC', 'Spectral', Georgia, serif;
--sans: 'Noto Sans SC', system-ui, -apple-system, sans-serif;
--mono: 'JetBrains Mono', ui-monospace, monospace;
/* terminal (agent) */
--term-bg: #09090a;
--term-bg-2: #131315;
--term-line: #26262a;
--term-line2: #3a3a40;
--term-txt: #cfcabf;
--term-hi: #f1ece0;
--term-mute: #76726a;
--term-faint: #514e48;
--rose: #d29ba2;
--rose-hi: #e6b6bb;
--term-green: #8fbf9a;
}
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--paper); -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
::selection { background: var(--crimson); color: #fff; }
/* top-level shells */
[data-mode] { display: none; }
body.mode-human [data-mode="human"] { display: block; }
body.mode-agent [data-mode="agent"] { display: block; }
body.mode-agent { background: var(--term-bg); }
/* lock / unlock gating */
.unlock-only { display: none; }
body.unlocked .unlock-only { display: block; }
body.unlocked .lock-only { display: none; }
/* ============================================================
HUMAN · editorial
============================================================ */
.hm { color: var(--ink); font-family: var(--sans); }
.hm-mast {
display: flex; align-items: center; justify-content: space-between;
padding: 30px 44px; max-width: 1280px; margin: 0 auto;
}
.hm-brand {
display: inline-flex; align-items: center; gap: 10px;
font-family: 'Inter', var(--sans); font-weight: 700; font-size: 16px;
letter-spacing: -0.01em; color: var(--ink);
}
.hm-brand .mark { width: 22px; height: 22px; background: var(--ink); border-radius: 5px; position: relative; flex-shrink: 0; }
.hm-brand .mark::after { content: ""; position: absolute; inset: 5px 6px; border: 1.5px solid var(--paper); border-radius: 2px; }
.hm-brand .mark::before { content: ""; position: absolute; top: 4px; left: 50%; transform: translateX(-50%); width: 4px; height: 5px; border: 1.5px solid var(--paper); border-bottom: none; border-radius: 3px 3px 0 0; }
.hm-back { font-size: 13px; color: var(--ink-3); }
.hm-back:hover { color: var(--crimson); }
.hm-grid {
max-width: 1180px; margin: 0 auto; padding: 10px 44px 200px;
display: grid; grid-template-columns: 250px minmax(0, 1fr);
gap: 64px; align-items: start;
}
@media (max-width: 940px) {
.hm-grid { grid-template-columns: 1fr; gap: 0; padding: 10px 28px 180px; }
.hm-toc { display: none; }
}
/* —— TOC rail —— */
.hm-toc { position: sticky; top: 40px; padding-top: 64px; }
.hm-toc nav { position: relative; }
.hm-toc nav::before {
content: ""; position: absolute; left: 5px; top: 6px; bottom: 6px;
width: 1px; background: var(--line);
}
.toc-item {
position: relative; display: block; padding: 0 0 26px 26px;
font-size: 14px; line-height: 1.4; color: var(--ink-4);
transition: color .15s;
}
.toc-item:last-child { padding-bottom: 0; }
.toc-item::before {
content: ""; position: absolute; left: 0; top: 4px;
width: 11px; height: 11px; border-radius: 50%;
background: var(--paper); border: 1px solid var(--line);
transition: border-color .15s, background .15s;
}
.toc-item:hover { color: var(--ink-2); }
.toc-item.active { color: var(--ink); }
.toc-item.active::before { border-color: var(--crimson); background: var(--crimson); }
.toc-item .tn { font-variant-numeric: tabular-nums; }
/* —— article column —— */
.hm-article { max-width: 720px; }
.hm-pub {
font-family: var(--sans); font-size: 14px; color: var(--ink-3);
padding-top: 64px;
}
.hm-rule { border: none; border-top: 2px solid var(--rule); margin: 16px 0 56px; }
.hm-title {
font-family: var(--serif); font-weight: 800;
font-size: clamp(46px, 7vw, 84px); line-height: 1.02;
letter-spacing: -0.015em; color: var(--ink);
margin: 0 0 24px;
}
.hm-title .cjk { font-family: var(--serif-cjk); font-weight: 900; letter-spacing: 0.01em; }
.hm-deck {
font-family: var(--serif); font-weight: 400;
font-size: clamp(21px, 2.6vw, 28px); line-height: 1.4;
color: var(--ink-2); margin: 0 0 36px; max-width: 24ch;
}
.hm-byline { display: flex; align-items: center; gap: 14px; margin: 0 0 8px; }
.hm-av {
width: 46px; height: 46px; border-radius: 50%; flex-shrink: 0;
background: var(--crimson); color: #fff;
display: flex; align-items: center; justify-content: center;
font-family: var(--serif-cjk); font-weight: 700; font-size: 21px;
}
.hm-au-name { font-family: var(--serif); font-size: 19px; color: var(--ink); line-height: 1.2; }
.hm-au-role { font-size: 13.5px; color: var(--ink-3); margin-top: 2px; }
/* prose */
.hm-body { margin-top: 44px; }
.hm-body p {
font-family: var(--serif-cjk); font-weight: 400;
font-size: 20px; line-height: 1.78; color: var(--ink-2);
margin: 0 0 28px; text-wrap: pretty;
}
.hm-body p.lead::first-letter {
float: left; font-family: var(--serif); font-weight: 800;
font-size: 4.4em; line-height: 0.82; padding: 0.06em 0.14em 0 0; color: var(--crimson);
}
.hm-body strong { font-weight: 700; color: var(--ink); }
.hm-body em { font-style: italic; }
.hm-h2 {
font-family: var(--serif-cjk); font-weight: 700;
font-size: 28px; line-height: 1.3; color: var(--ink);
margin: 52px 0 20px; letter-spacing: -0.005em;
display: flex; gap: 16px; align-items: baseline;
}
.hm-h2 .n {
font-family: var(--mono); font-size: 15px; font-weight: 500;
color: var(--crimson); flex-shrink: 0;
}
.hm-body table { width: 100%; border-collapse: collapse; margin: 8px 0 28px; font-family: var(--sans); }
.hm-body th, .hm-body td {
text-align: left; padding: 13px 14px; vertical-align: top;
border-bottom: 1px solid var(--line); font-size: 15px; line-height: 1.55;
}
.hm-body th { font-weight: 700; color: var(--ink); border-bottom-color: var(--ink); }
.hm-body td { color: var(--ink-2); }
.hm-body td:first-child { color: var(--ink-3); white-space: nowrap; }
ul.acts { list-style: none; margin: 8px 0 28px; padding: 0; }
ul.acts li {
position: relative; padding-left: 30px; margin: 14px 0;
font-family: var(--serif-cjk); font-size: 19px; line-height: 1.7; color: var(--ink-2);
}
ul.acts li::before { position: absolute; left: 0; top: 0; font-weight: 700; font-family: var(--sans); }
ul.acts li.do::before { content: "✓"; color: var(--green); }
ul.acts li.dont::before { content: "✕"; color: var(--crimson); }
ul.acts li strong { color: var(--ink); }
/* paywall (human) */
.teaser-fade {
height: 140px; margin-top: -140px; position: relative; z-index: 1;
background: linear-gradient(180deg, rgba(250,248,242,0) 0%, var(--paper) 82%);
pointer-events: none;
}
.pw {
background: var(--paper-2);
border: 1.5px solid var(--crimson);
border-radius: 16px; padding: 34px 36px;
box-shadow: 0 30px 70px -36px rgba(139,31,48,0.4);
margin-top: -16px; position: relative; z-index: 2;
}
.pw-lock {
display: inline-flex; align-items: center; gap: 8px;
font-family: var(--mono); font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
color: var(--crimson); background: rgba(139,31,48,0.08);
padding: 5px 11px; border-radius: 999px;
}
.pw-lock svg { width: 12px; height: 12px; }
.pw-h { font-family: var(--serif-cjk); font-weight: 700; font-size: 22px; line-height: 1.4; color: var(--ink); margin: 16px 0 8px; }
.pw-meta { font-family: var(--mono); font-size: 12.5px; color: var(--ink-3); margin: 0 0 22px; }
.pw-price-row { display: flex; align-items: baseline; gap: 12px; margin-bottom: 20px; }
.pw-price { font-family: var(--serif); font-weight: 800; font-size: 40px; color: var(--crimson); line-height: 1; }
.pw-price-note { font-size: 13px; color: var(--ink-3); }
.pw-cta {
width: 100%; background: var(--crimson); color: #fff; border: none;
border-radius: 11px; padding: 16px; font-family: var(--sans); font-size: 15.5px; font-weight: 600;
display: inline-flex; align-items: center; justify-content: center; gap: 9px;
transition: background .15s;
}
.pw-cta:hover { background: var(--crimson-2); }
.pw-cta svg { width: 16px; height: 16px; }
.pw-fine { font-size: 12px; color: var(--ink-3); text-align: center; margin: 14px 0 0; line-height: 1.6; }
.pw-fine strong { color: var(--crimson); }
.unlocked-note {
display: flex; align-items: center; gap: 10px;
background: rgba(47,107,63,0.08); border: 1px solid rgba(47,107,63,0.28);
border-radius: 11px; padding: 13px 16px; margin: 40px 0 8px;
font-size: 13.5px; color: var(--green); font-family: var(--sans);
}
.unlocked-note svg { width: 15px; height: 15px; flex-shrink: 0; }
/* prompt cards (human) */
.prompts { display: flex; flex-direction: column; gap: 12px; margin-top: 8px; }
.pcard {
background: var(--paper-2); border: 1px solid var(--line); border-radius: 12px;
padding: 20px 22px;
}
.pcard-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; }
.pcard-title { font-family: var(--serif-cjk); font-weight: 700; font-size: 18px; color: var(--ink); }
.pcard-desc { font-family: var(--sans); font-size: 14px; color: var(--ink-3); margin-top: 5px; line-height: 1.6; max-width: 48ch; }
.copy-btn {
flex-shrink: 0; background: var(--ink); color: var(--paper); border: none;
border-radius: 8px; padding: 9px 15px; font-family: var(--sans); font-size: 13px; font-weight: 600;
white-space: nowrap; transition: background .15s;
}
.copy-btn:hover { background: var(--crimson); }
.copy-btn.copied { background: var(--green); }
.pcard-body {
margin-top: 16px; background: var(--paper-3); border-radius: 8px;
padding: 15px 17px; font-family: var(--mono); font-size: 12.5px; line-height: 1.7;
color: var(--ink-2); white-space: pre-wrap; word-break: break-word;
}
.pcard-body .ph { color: var(--crimson); }
.hm-run {
display: flex; flex-wrap: wrap; gap: 8px; align-items: center;
margin-top: 22px; font-family: var(--sans); font-size: 13px; color: var(--ink-3);
}
.hm-run a {
border: 1px solid var(--line); border-radius: 999px; padding: 6px 14px; color: var(--ink-2);
transition: all .15s;
}
.hm-run a:hover { border-color: var(--crimson); color: var(--crimson); }
/* ============================================================
AGENT · terminal
============================================================ */
.ag {
color: var(--term-txt); font-family: var(--mono);
font-size: 13.5px; line-height: 1.75; letter-spacing: -0.003em;
}
.ag .han { font-family: var(--mono), 'Noto Sans SC'; }
.ag-mast { max-width: 1180px; margin: 0 auto; padding: 30px 44px 0; }
.ag-brand { display: inline-flex; align-items: center; gap: 10px; font-family: 'Inter', var(--sans); font-weight: 700; font-size: 16px; color: var(--term-hi); letter-spacing: -0.01em; }
.ag-brand .mark { width: 22px; height: 22px; background: var(--term-hi); border-radius: 5px; position: relative; flex-shrink: 0; }
.ag-brand .mark::after { content: ""; position: absolute; inset: 5px 6px; border: 1.5px solid var(--term-bg); border-radius: 2px; }
.ag-brand .mark::before { content: ""; position: absolute; top: 4px; left: 50%; transform: translateX(-50%); width: 4px; height: 5px; border: 1.5px solid var(--term-bg); border-bottom: none; border-radius: 3px 3px 0 0; }
.ag-wrap { max-width: 760px; margin: 0 auto; padding: 36px 44px 200px; }
@media (max-width: 600px) { .ag-wrap, .ag-mast { padding-left: 22px; padding-right: 22px; } }
.ag-cmd { color: var(--term-mute); margin: 0 0 30px; }
.ag-cmd .d { color: var(--rose); margin-right: 8px; }
.ag-title { font-size: 22px; font-weight: 700; color: var(--term-hi); margin: 0 0 8px; line-height: 1.35; }
.ag-title .hash { color: var(--rose); margin-right: 12px; }
.ag-title .ms { color: var(--rose); }
.ag-comp { color: var(--term-mute); font-size: 12.5px; margin: 0 0 26px; }
.ag-comp .pct { color: var(--term-faint); margin-right: 8px; }
.ag-actions { display: flex; flex-wrap: wrap; gap: 8px; margin: 0 0 8px; }
.ag-act {
background: transparent; border: 1px dashed var(--term-line2); border-radius: 4px;
padding: 8px 14px; font-size: 11.5px; font-weight: 500; color: var(--term-txt);
transition: border-color .15s, color .15s, background .15s;
}
.ag-act:hover { border-color: var(--rose); color: var(--rose-hi); }
.ag-act.primary { border-style: solid; background: var(--term-bg-2); color: var(--term-hi); }
.ag-act.primary:hover { border-color: var(--rose); }
.ag-sec { margin-top: 0; padding-top: 30px; border-top: 1px dashed var(--term-line); }
.ag-sec.first { border-top: none; padding-top: 36px; }
.ag-h2 { font-size: 14px; font-weight: 600; color: var(--term-hi); margin: 0 0 4px; }
.ag-h2 .hash { color: var(--rose); margin-right: 9px; }
.ag-p { color: var(--term-txt); font-size: 13.5px; line-height: 1.8; margin: 16px 0 0; max-width: 64ch; }
.ag-p strong { color: var(--term-hi); font-weight: 600; }
.ag-p .acc { color: var(--rose); }
ol.ag-steps { margin: 16px 0 0; padding: 0; list-style: none; counter-reset: s; max-width: 60ch; }
ol.ag-steps li { position: relative; padding-left: 30px; margin: 10px 0; counter-increment: s; line-height: 1.7; }
ol.ag-steps li::before { content: counter(s) "."; position: absolute; left: 0; color: var(--rose); font-weight: 600; }
.ag-block {
position: relative; background: var(--term-bg-2); border: 1px solid var(--term-line);
border-radius: 8px; padding: 38px 18px 18px; margin: 18px 0 0; font-size: 12px; line-height: 1.75;
}
.ag-block .lbl {
position: absolute; top: 13px; left: 18px; font-size: 10px; font-weight: 500;
letter-spacing: 0.16em; text-transform: uppercase; color: var(--term-mute);
}
.ag-block .mini {
position: absolute; top: 11px; right: 11px;
background: transparent; border: 1px dashed var(--term-line2); color: var(--term-mute);
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<body class="mode-human">
<!-- ════════════════════ HUMAN · EDITORIAL ════════════════════ -->
<div class="hm" data-mode="human">
<header class="hm-mast">
<a href="01-home.html" class="hm-brand"><span class="mark"></span>Write402</a>
<a href="01-home.html" class="hm-back">← 收录目录</a>
</header>
<div class="hm-grid">
<!-- TOC rail -->
<aside class="hm-toc">
<nav id="toc">
<a class="toc-item active" href="#s1"><span class="tn">1.</span> 这篇解决什么</a>
<a class="toc-item" href="#s2"><span class="tn">2.</span> 5 分钟区分冻结类型</a>
<a class="toc-item" href="#s3"><span class="tn">3.</span> 卡冻 24 小时:7 个动作</a>
<a class="toc-item" href="#s4"><span class="tn">4.</span> 训诫书与笔录</a>
<a class="toc-item" href="#s5"><span class="tn">5.</span> 退赔谈判底线</a>
</nav>
</aside>
<!-- Article -->
<article class="hm-article" data-screen-label="Article · Human">
<div class="hm-pub">发布于 2026 年 5 月 21 日 · 阅读约 8 分钟</div>
<hr class="hm-rule" />
<h1 class="hm-title"><span class="cjk">OTC 收 USDT</span><br /><span class="cjk">银行卡被冻</span></h1>
<p class="hm-deck">银行卡在 OTC 出金后被冻结,第一时间到底该怎么做。</p>
<div class="hm-byline">
<span class="hm-av">陈</span>
<div>
<div class="hm-au-name">陈律师</div>
<div class="hm-au-role">实名律师 · 公众号「币圈刑辩观察」</div>
</div>
</div>
<div class="hm-body">
<!-- §1 -->
<section id="s1">
<p class="lead">过去 18 个月,我们追踪了 23 起在 OTC 卖出 USDT 之后银行卡被冻结的真实案例。涉案金额从 8,000 元到 120 万元不等,其中 17 起通过币安、欧易的 P2P 完成交易。</p>
<p>最终结局分布大致是:12 起在 72 小时内自动解冻,6 起经书面沟通后解冻,3 起进入退赔程序,2 起立案进入刑事程序。这篇不打算告诉你「千万别玩 OTC」—— 那是事后诸葛亮。它要回答的是一个更具体的问题:<strong>卡刚被冻的那 24 小时里,每一步该做什么、不该做什么</strong>,并且每一步都对应到具体案例。</p>
</section>
<!-- §2 -->
<h2 class="hm-h2" id="s2"><span class="n">02</span>5 分钟区分:银行风控 vs 司法冻结</h2>
<p>这是所有后续判断的前提。两种冻结的应对路径<strong>完全相反</strong>,方向搞反,会白白浪费 48 小时的黄金窗口。下面这张表来自 23 起案例的共性归纳:</p>
<table>
<thead><tr><th>维度</th><th>银行风控冻结</th><th>司法冻结</th></tr></thead>
<tbody>
<tr><td>触发方</td><td>银行 / 支付机构风控</td><td>外地公安持冻结令</td></tr>
<tr><td>典型时限</td><td>24–72 小时多自动解除</td><td>临时 3–7 天,正式最长 6 个月</td></tr>
<tr><td>柜台查询</td><td>多能查到风控原因</td><td>告知办案机关 + 案件编号</td></tr>
<tr><td>第一步</td><td>等待 + 不再触发新风控</td><td>立即固定证据 + 主动联系</td></tr>
</tbody>
</table>
<p>分辨方法的核心动作是<strong>带身份证去开户行柜台</strong>,让柜员明确告诉你冻结类型与冻结机关。手机银行通常只显示「司法协助冻结」或「风控冻结」两类标签,但柜台能进一步……</p>
<!-- paywall -->
<div class="lock-only">
<div class="teaser-fade"></div>
<div class="pw">
<span class="pw-lock">
<svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><rect x="3" y="11" width="18" height="11" rx="2"/><path d="M7 11V7a5 5 0 0 1 10 0v4"/></svg>
付费阅读 · 已读 24%
</span>
<p class="pw-h">解锁后读完 §03–§05 全文:7 步应对清单、训诫书风险判断、退赔谈判底线。</p>
<p class="pw-meta">~ 8 分钟读完 · 23 个真实案例编号 · 真人与 Agent 同价</p>
<div class="pw-price-row">
<span class="pw-price">$0.30</span>
<span class="pw-price-note">USDC on Base · 一次付费永久可读</span>
</div>
<button class="pw-cta" id="unlockBtn">
<svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><rect x="3" y="11" width="18" height="11" rx="2"/><path d="M7 11V7a5 5 0 0 1 9.9-1"/></svg>
用钱包付 $0.30 解锁全文
</button>
<p class="pw-fine">付费后 <strong>$0.30(100%)</strong>直达陈律师钱包 · 平台 0 抽成 · 不存储私钥 · 钱包不变可永久重读</p>
</div>
</div>
<!-- full text -->
<div class="unlock-only">
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<svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M20 6 9 17l-5-5"/></svg>
已解锁 · 全文已展开 · $0.30 已直达陈律师钱包
</div>
<h2 class="hm-h2" id="s3"><span class="n">03</span>卡冻后 24 小时:7 个动作</h2>
<p>确认是<strong>司法冻结</strong>后,下面 7 步按时间排序,目标是固定证据、确认身份、不把自己说成嫌疑人。括号里是对应案例编号。</p>
<ul class="acts">
<li class="do"><strong>立即截图固定全部交易记录</strong>:平台订单号、对手方、聊天记录、转账时间(案例 #03/#11)。</li>
<li class="do"><strong>带身份证去柜台拿到案件编号与办案机关</strong>,记下办案民警姓名与电话(案例 #07)。</li>
<li class="do"><strong>主动联系办案机关说明资金来源</strong>,表明配合意愿,但只陈述客观事实(案例 #14)。</li>
<li class="dont"><strong>不要继续用同名其他卡接收任何加密相关资金</strong>,避免触发连环冻结(案例 #09)。</li>
<li class="dont"><strong>不要在没看清身份定性前签任何笔录或承诺</strong>,详见下一节。</li>
<li class="do"><strong>金额较大或已被定性时,先联系属地刑辩律师</strong>,再对接办案机关(案例 #18)。</li>
<li class="do"><strong>准备一份「资金合法来源说明」</strong>,随时可提交(案例 #21)。</li>
</ul>
<h2 class="hm-h2" id="s4"><span class="n">04</span>训诫书与笔录:签还是不签</h2>
<p>23 起案例里有 9 起在这一步出现关键失误。核心判断只有一句:<strong>先搞清楚你现在是证人还是嫌疑人</strong>。身份不同,签字的后果天差地别。</p>
<p>如果办案机关无法给出明确案件编号、也说不清你的身份,那么任何「承诺书 / 训诫书」都不要急着签 —— 它可能在后续被当作不利陈述。具体话术、可签与不可签的边界,以及何时必须先请律师,本节给出完整判断框架。</p>
<h2 class="hm-h2" id="s5"><span class="n">05</span>退赔谈判:金额、节奏与底线</h2>
<p>进入退赔程序后,谈判区间通常围绕<strong>你的实际获利</strong>而非全部流水展开。3 起案例显示,盲目按对方主张的全额退赔,既不利于量刑也未必换来更快解冻。合理区间、节奏与不可让步的底线,是这一步真正的关键。</p>
</div>
</div>
</article>
</div>
</div>
<!-- ════════════════════ AGENT · TERMINAL ════════════════════ -->
<div class="ag" data-mode="agent">
<header class="ag-mast">
<a href="01-home.html" class="ag-brand"><span class="mark"></span>Write402</a>
</header>
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<p class="ag-cmd"><span class="d">$</span>cat ./otc-freeze-china-2026.md</p>
<h1 class="ag-title"><span class="hash">#</span>OTC 收 USDT 银行卡被冻 <span class="ms">· Agent Mode</span></h1>
<p class="ag-comp"><span class="pct">%</span>由实名律师陈律师汇编 · 基于 2024–2026 的 23 起真实冻卡案例</p>
<div class="ag-actions">
<button class="ag-act primary" data-copy="#agentSetup">Copy setup prompt</button>
<button class="ag-act">openapi.json</button>
<button class="ag-act">查看公众号原文</button>
</div>
<section class="ag-sec first">
<div class="ag-h2"><span class="hash">##</span>Explainer</div>
<p class="ag-p">这篇把过去 18 个月里 <strong>23 起真实冻卡案例</strong>复盘成一套可直接照做的应对流程:5 分钟区分银行风控 vs 司法冻结、卡冻后 24 小时的 7 个动作、训诫书该不该签,以及退赔谈判底线。</p>
<p class="ag-p">Agent 模式下,你的 agent 通过 <span class="acc">x402</span> 在 Base 上按同价付费读取全文 + 引用元数据,无需 API key,付费即拿到结构化结论,可直接喂进你的工作流。</p>
</section>
<section class="ag-sec">
<div class="ag-h2"><span class="hash">##</span>Connect your agent</div>
<p class="ag-p">把下面这段一次性贴给 Codex / Claude Code / 你的 agent,它会拿到 USDC 钱包、加载 Write402 skill,并知道如何为这篇付费读取全文。</p>
<div class="ag-block">
<span class="lbl">Install once</span>
<button class="mini" data-copy="#agentSetup">Copy for your agent</button>
<div class="body" id="agentSetup">You are helping me read a Write402 report.
Fetch <span class="url">https://write402.xyz/SKILL.md</span> as raw context (do not summarize)
and follow it. Use <span class="key">agentcash</span> for x402 payments on Base.
Then read this report:
<span class="url">GET /v1/articles/otc-freeze-china-2026</span>
x402 price is returned in the <span class="acc">402 Payment Required</span> header —
pay $0.30 and retry. Response includes full markdown + citation metadata.</div>
</div>
</section>
<section class="ag-sec">
<div class="ag-h2"><span class="hash">##</span>付费读取</div>
<div class="lock-only">
<div class="ag-pw">
<span class="lock">
<svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><rect x="3" y="11" width="18" height="11" rx="2"/><path d="M7 11V7a5 5 0 0 1 10 0v4"/></svg>
付费阅读 · 已读 24%
</span>
<p class="h">解锁后读取 §03–§05 全文 + 全部 4 个场景 prompt:7 步应对清单、训诫书风险判断、退赔谈判底线。</p>
<p class="meta">~ 8 分钟读完 · 23 个真实案例编号 · 真人与 Agent 同价</p>
<div class="prow"><span class="price">$0.30</span><span class="pnote">USDC on Base · 一次付费永久可读</span></div>
<button class="cta" id="unlockBtnAgent">
<svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><rect x="3" y="11" width="18" height="11" rx="2"/><path d="M7 11V7a5 5 0 0 1 9.9-1"/></svg>
x402 自动付费 $0.30 读取
</button>
<p class="fine">付费后 <strong>$0.30(100%)</strong>直达陈律师钱包 · 平台 0 抽成 · 不存储私钥 · 钱包不变可永久重读</p>
</div>
</div>
<div class="unlock-only">
<div class="ag-unlocked">
<svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M20 6 9 17l-5-5"/></svg>
已解锁 · $0.30 已通过 x402 直达作者钱包 · 下面这次请求现在返回 200 + 全文
</div>
<div class="ag-block" style="margin-top:18px;">
<span class="lbl">Response · 200 OK</span>
<button class="mini" data-copy="#agentResp">Copy</button>
<div class="body" id="agentResp"><span class="key">GET</span> /v1/articles/otc-freeze-china-2026
<span class="acc">200 OK</span> · x-paid: 0.30 USDC · x-author-wallet: 0x7C3a…bA2f
{
"slug": "otc-freeze-china-2026",
"sections": ["§01","§02","§03","§04","§05"],
"prompts": 4,
"citations": 23,
"markdown": "…full text…"
}</div>
</div>
</div>
</section>
<section class="ag-sec">
<div class="ag-h2"><span class="hash">##</span>Prompts</div>
<p class="ag-p">以下 prompt 已包含在付费响应里,你的 agent 可直接逐条调用。</p>
<div class="ag-prompts">
<div class="ag-pc">
<div class="ag-pc-top"><div><div class="t">判断冻结类型</div><div class="d">区分风控 vs 司法冻结。</div></div><button class="cp" data-src="#ap1">copy</button></div>
<div class="pre" id="ap1">判断 [城市] [平台] 卖出 USDT 收 [金额] 后 [银行] 卡冻结属于风控还是司法,给出依据与下一步 3 件事。</div>
</div>
<div class="ag-pc">
<div class="ag-pc-top"><div><div class="t">24 小时应对清单</div><div class="d">按时间排序的 do / don't。</div></div><button class="cp" data-src="#ap2">copy</button></div>
<div class="pre" id="ap2">给出 [城市] OTC 卖 USDT [金额] [银行] 卡被冻后 24 小时内按时间排序的应对清单,标注每步目的与风险。</div>
</div>
<div class="ag-pc">
<div class="ag-pc-top"><div><div class="t">训诫书该不该签</div><div class="d">签字后果与话术。</div></div><button class="cp" data-src="#ap3">copy</button></div>
<div class="pre" id="ap3">判断在 [身份] 下签署 [训诫书/承诺书/笔录] 的法律后果与风险,给出是否签、如何回应、是否先请律师。</div>
</div>
<div class="ag-pc">
<div class="ag-pc-top"><div><div class="t">退赔谈判底线</div><div class="d">区间、节奏与底线。</div></div><button class="cp" data-src="#ap4">copy</button></div>
<div class="pre" id="ap4">涉案 [金额]、实际获利 [金额]、对方要求退赔 [金额],给出合理退赔区间、节奏与不可让步底线及量刑影响。</div>
</div>
</div>
</section>
<p class="ag-tail"><span class="d">$</span><span class="cur"></span></p>
</div>
</div>
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bH.classList.toggle('active', mode === 'human');
bA.classList.toggle('active', mode === 'agent');
try { localStorage.setItem(KEY, mode); } catch (e) {}
};
bH.addEventListener('click', () => window.__setMode('human'));
bA.addEventListener('click', () => window.__setMode('agent'));
window.__setMode(localStorage.getItem(KEY) || 'human');
})();
// ── unlock (paid reading), shared across modes ──
(function () {
const KEY = 'web3law_unlocked_otc-freeze-china-2026';
function unlock(landHuman) {
try { localStorage.setItem(KEY, '1'); } catch (e) {}
body.classList.add('unlocked');
if (landHuman) {
window.__setMode('human');
const note = document.querySelector('.hm .unlocked-note');
if (note) window.scrollTo({ top: Math.max(0, note.getBoundingClientRect().top + window.scrollY - 90), behavior: 'smooth' });
}
}
const h = document.getElementById('unlockBtn');
const a = document.getElementById('unlockBtnAgent');
if (h) h.addEventListener('click', () => unlock(true));
if (a) a.addEventListener('click', () => unlock(false));
if (localStorage.getItem(KEY) === '1') body.classList.add('unlocked');
})();
// ── copy helpers ──
function flash(btn, label) {
const orig = btn.textContent;
btn.textContent = label; btn.classList.add('copied');
setTimeout(() => { btn.textContent = orig; btn.classList.remove('copied'); }, 1400);
}
function copyEl(sel) { const el = document.querySelector(sel); return el ? el.innerText.trim() : ''; }
document.querySelectorAll('[data-copy]').forEach(b =>
b.addEventListener('click', () => navigator.clipboard.writeText(copyEl(b.dataset.copy)).then(() => flash(b, 'copied')).catch(()=>{})));
document.querySelectorAll('[data-src]').forEach(b =>
b.addEventListener('click', () => navigator.clipboard.writeText(copyEl(b.dataset.src)).then(() => flash(b, '已复制')).catch(()=>{})));
// ── TOC scroll-spy + locked-section handling ──
(function () {
const items = [...document.querySelectorAll('#toc .toc-item')];
const map = {};
items.forEach(it => { map[it.getAttribute('href').slice(1)] = it; });
const ids = Object.keys(map);
function visible(el) { return el && el.offsetParent !== null; }
// click: if target hidden (locked), scroll to paywall instead
items.forEach(it => it.addEventListener('click', e => {
e.preventDefault();
const id = it.getAttribute('href').slice(1);
let target = document.getElementById(id);
if (!visible(target)) target = document.querySelector('.hm .pw') || target;
if (target) window.scrollTo({ top: Math.max(0, target.getBoundingClientRect().top + window.scrollY - 90), behavior: 'smooth' });
}));
const obs = new IntersectionObserver((entries) => {
entries.forEach(en => {
if (en.isIntersecting) {
const id = en.target.id;
items.forEach(x => x.classList.remove('active'));
if (map[id]) map[id].classList.add('active');
}
});
}, { rootMargin: '-15% 0px -70% 0px', threshold: 0 });
ids.forEach(id => { const el = document.getElementById(id); if (el) obs.observe(el); });
})();
</script>
</body>
</html>