Getting your card frozen isn’t the scary part. What’s scary is discovering afterward that you didn’t keep any of the required evidence and that the relevant deadlines have already passed. This article clearly explains, in Binance’s official rules, “what to submit for an appeal, when to submit it, and who to contact.” Everything comes from the official Help Center pages, and you can verify it yourself.

Let’s start with three things that most people get wrong.

First, Binance’s official payout mechanism is called “Shielded Advertiser,” not the “curated merchants” that people talk about in chat groups. If you search the wrong name, you won’t find the official terms anywhere.

First, the payout protection covers the party that sells crypto and receives fiat. If you pay money to buy U and your payment account gets frozen, you are not within the scope of coverage.

Third, don’t just assume you’ll be compensated if your account is frozen. The official requirement is that judicial freezing must last over 6 months before they will accept the claim. It explicitly excludes protective stop-pay orders, emergency stop-pay orders, non-judicial freezes, and cases where the funds were unfrozen within 30 days. Bank risk-control stop-pay orders don’t count.

Compensation amount. Official text: within 1,000 USDT, pay 100%, with a cap of 1,000. For the portion above that, pay 10%, with a total cap of 3,000 USDT. The official example they gave: for an order of 30,000 U, it calculates to 3,900, but the cap is 3,000. This money is deducted from the advertising party’s escrow deposit, not paid by the platform.

Let’s talk about the appeal materials. On the official risk-control appeal page, the checklist is written very specifically: identity verification video no more than 30MB; payment proof video must be recorded on another device and editing is prohibited; bank statements from the past 3 months must show the account holder’s full name and the first 6 digits and last 4 digits of the card number; up to 10 orders can be linked in a single submission. These things aren’t kept during normal operations, and it’s hard to obtain them afterwards—especially the requirement to record on another device. If something happens, remembering it later is too late.

There are two time limits: you must submit the application within 30 days after the order is completed; if it’s late, it’s never compensated. The Shield ad party must complete the compensation within 10 business days.

There’s also a sequencing issue: if you find that your receiving account is frozen, the first step isn’t to contact the platform—it’s to contact the account-opening bank to confirm whether it’s a judicial freeze and how long it will last. Compensation only recognizes judicial freezes; the nature of the freeze is only what the bank says. After confirming, then proceed with the platform appeal and submit all the materials listed above.

One final reminder: the SAFU fund doesn’t cover frozen cards. Its official definition only covers account credential leaks caused by vulnerabilities in Binance systems or security protocols, and C2C receiving payments being frozen are a different matter. Don’t count on it—it’s basically a waste of hope.

When choosing an ad party in C2C, make sure they have the Shield marker. The point isn’t that it “won’t get frozen,” but that if it does get frozen, there will be a guarantee provision written into the official terms to cover it. The rest is simple: keep your proof and remember the deadlines.

#币安 $BNB