I haven't been in the circle for long, but my first withdrawal ended in a setback. I chose a reputable merchant with thousands of transaction records, and everything looked fine. But when I scanned the payment QR code—immediately, I was flagged by risk control. The money didn't arrive, and my account was frozen instead. I was using a legitimate payment tool with a business card code—how could this happen? I was completely stunned.

This was the most painful lesson I’ve learned since entering the space. I had heard others say to be cautious with withdrawals, but I never truly experienced it. Only then did I realize: earning coins is just the first step; being able to safely convert assets into usable cash is the real challenge.

The issue isn't just about one or two risks. Frequent deposits and withdrawals mean ongoing fee erosion, and each operation feels like testing the edge of a minefield. Worse, your payment tools might be permanently flagged, affecting your daily spending in the future. This made me start thinking: is there a way to reduce the need for frequent withdrawals? To let assets grow steadily on-chain, and only plan for cash needs when truly necessary?

Later, I spent a lot of time researching on-chain yield strategies. I found that stablecoin-pegged financial strategies actually addressed my core pain points—no need for frequent fiat conversions, and you can earn relatively stable and transparent returns directly on-chain, greatly reducing withdrawal frequency and related risks. This approach changed my entire understanding of asset management.