Couple's transfer remark "Dogecoin" was locked; China Construction Bank: Proof of no relation to virtual currency required for unblocking

【Block Rhythm】 Recently, there was a rather outrageous incident: a couple in Tianjin transferred 250 yuan of pocket money to each other with the note “This week’s Dogecoin,” and as a result, both of their China Construction Bank cards were locked.

A small transfer from a few months ago was suddenly pulled out and investigated. Ms. Yu and her husband received calls from the bank, where the other party verified their relationship, asked about the reason for the transfer, and explicitly stated that this note triggered the “virtual currency regulation” mechanism, causing the accounts to be set to a “no deposit, no withdrawal” status.

To unfreeze the accounts? The process is quite complicated. The bank branch where Ms. Yu opened her account requires her to submit her husband’s bank statements from the past few months. After passing the review, she also needs to write a handwritten letter of commitment—pledging that they haven’t traded virtual currencies before and won’t in the future. Her husband is more assertive, refusing this restriction outright, and is negotiating with the branch in Dalian.

Interestingly, when media contacted China Construction Bank customer service, they said they had not received any related regulation information and suggested asking at the branch. However, Ms. Yu’s Tianjin branch was unclear, while her husband’s Dalian branch confirmed: any virtual currency transactions will lead to account management restrictions; if the transfer note contains terms like “Dogecoin,” the account holder must prove that it has no relation to virtual currencies.

But the question is—how to prove it? Does bank statement count as valid proof? The staff in Dalian directly said: just the statement isn’t enough; such accounts are basically unblockable and can only be closed. They didn’t give a clear explanation of the specific regulation basis.

Currently, Ms. Yu has submitted her husband’s bank statements and handwritten commitment letter, waiting for the account unlock; her husband is required to also submit their marriage certificate before the restriction can be lifted.

By the way, on December 5, the China Internet Finance Association and six other organizations issued a risk warning, requiring member units not to participate in the issuance and trading of virtual currencies and RWA tokens within China, and reminding everyone to stay away from illegal activities.

It seems that now, not only genuine transactions are being scrutinized, but even joking notes might cause trouble.