Hello! If you are interested in the topic of cash withdrawal, you should read this article. In it, I will reveal all the known cash withdrawal schemes so that you can understand these complex mechanisms and start moving in the right direction.
Fan cashout.
Money is brought to the account of a one-day legal entity, sprayed like pepper in the eyes of hacha on other one-dayers / individuals, and eventually cashed out. This is an illegal scheme that many companies use.
Inspectors will detect such fraud through tax monitoring. They will check companies for compliance with the criteria of independence and integrity. Also, the tax authorities will request documents on the relationship between customers of cash withdrawal and performers.
Information is obtained by the following factors::
Mixer cashout.
This scheme uses more sophisticated methods. For example, a group of individuals sells goods to each other. Money moves along an intricate chain, and as a result is withdrawn from circulation.
Banks will monitor not only personal data of customers, but also other data:
Salary advance payment.
These payments are tax-free. Thus, some companies bypass the blocking of the account by banks. They say that the money should be paid to the employee in the form of an advance and withdraw the balance from the customer's cards.
If the bank detects such transactions with employees of companies, they will also be considered illegal. In fact, employees are arranged formally and do not fulfill their labor duties.
The authorities will track how much the salary amount exceeds the industry average. Perhaps the businessman wants to withdraw the rest of the money under the guise of an advance. Also, representatives of banks can go to the client and see if employees are in the office. Proof form: requests.
Cashed out via the sole proprietor.
Initially, the operation of transferring money to individual entrepreneurs is not suspicious. This is within the normal financial and economic activities of the organization. However, banks can:
The tax service will analyze how often and how much money is withdrawn. Sole proprietors also try to circumvent bank controls. It is assumed that if the withdrawal amount is less than 500,000-700,000 rubles, then banks do not control such operations in an automated mode. However, the tax service together with the RFM instructs the bank to set increased fees for cash withdrawals(up to 10-15% if you have withdrawn more than 700,000 rubles). Cash is becoming very expensive.
Cash out via auctions.
When the company participates in an auction and withdraws funds through the auction's own accounts.
Promotional ones, where the company transfers money for its intended purpose for IT shares, and any bank can withstand it.
Cash out via buying gold.
Until recently, buying gold was a TOP scheme, and a change in the tax regime, and cash is a plus.
Cashed out via securities.
Promissory note — actually died, but there are a number of companies that successfully use it.
Depersonalized accounts.
A very old scheme that only worked with the participation of friendly banks that open an account without the participation of the company itself, and the withdrawal is very fast.
Terminal diagram.
To date, it works successfully, but only with giant agents. Allows you to withdraw as a percentage, now added to this moment the possibility of "setting up" an account with the USN.
Credit schemes.
Most of them are used in foreign(foreign economic activity) and withdrawal of capital from banks.
Scheme with substitution of merch in a crypto exchange.
Withdrawal is made from the corporate card, and it is depersonalized, the scheme is actually quite large, but it allows you to withdraw very large amounts with the possibility of transformation into crypt.
Offshore companies.
The offshore — crypt scheme, where the founder of a third-party company is entered into the company, the withdrawal goes as dividends, then transit goes directly to the crypto exchange, then issuance in crypt or cash. Also here we will include the purchase of equipment in offshore, and for crypt, under a fake site.
Purchase of shares.
Scheme for large amounts and buying shares of a crypto exchange — here the amounts are crazy, since the shares are depersonalized.
That’s all! In the current reality, there are an infinite number of cash withdrawal schemes; over time, they are both finalized and disclosed by the authorities, and they become irrelevant.
We see that the basis of cash withdrawal in 2023 is tied around cryptocurrency, and cash is becoming very expensive. Those who can make it cheaper are professionals.
Use it and follow the security and privacy rules. Supplement the material with available cash-out schemes. All the best!
- Fan cashout.
- Mixer cashout.
- Salary advance payment.
- Cashed out via the sole proprietor.
- Cash out via auctions.
- Cash out via buying gold.
- Cashed out via securities.
- Depersonalized accounts.
- Terminal diagram.
- Credit schemes.
- Scheme with substitution of merch in a crypto exchange.
- Offshore companies.
- Purchase of shares.
Fan cashout.
Money is brought to the account of a one-day legal entity, sprayed like pepper in the eyes of hacha on other one-dayers / individuals, and eventually cashed out. This is an illegal scheme that many companies use.
Inspectors will detect such fraud through tax monitoring. They will check companies for compliance with the criteria of independence and integrity. Also, the tax authorities will request documents on the relationship between customers of cash withdrawal and performers.
Information is obtained by the following factors::
- How the customer verified the counterparty;
- Does the relationship serve a business purpose;
- Whether the transaction amount is too high.
Mixer cashout.
This scheme uses more sophisticated methods. For example, a group of individuals sells goods to each other. Money moves along an intricate chain, and as a result is withdrawn from circulation.
Banks will monitor not only personal data of customers, but also other data:
- IP address;
- Date of issue of the card;
- Activation date;
- Location of ATMs and cameras.
Salary advance payment.
These payments are tax-free. Thus, some companies bypass the blocking of the account by banks. They say that the money should be paid to the employee in the form of an advance and withdraw the balance from the customer's cards.
If the bank detects such transactions with employees of companies, they will also be considered illegal. In fact, employees are arranged formally and do not fulfill their labor duties.
The authorities will track how much the salary amount exceeds the industry average. Perhaps the businessman wants to withdraw the rest of the money under the guise of an advance. Also, representatives of banks can go to the client and see if employees are in the office. Proof form: requests.
Cashed out via the sole proprietor.
Initially, the operation of transferring money to individual entrepreneurs is not suspicious. This is within the normal financial and economic activities of the organization. However, banks can:
- View the relationship between the company and the sole proprietor;
- Request documents;
- Find out if the sole proprietor has the resources to fulfill its obligations under the agreement (in other words, if the product is on the shelves, otherwise it's strange that the vape shop sold smoking rooms for 20 lakhs per day).
The tax service will analyze how often and how much money is withdrawn. Sole proprietors also try to circumvent bank controls. It is assumed that if the withdrawal amount is less than 500,000-700,000 rubles, then banks do not control such operations in an automated mode. However, the tax service together with the RFM instructs the bank to set increased fees for cash withdrawals(up to 10-15% if you have withdrawn more than 700,000 rubles). Cash is becoming very expensive.
Cash out via auctions.
When the company participates in an auction and withdraws funds through the auction's own accounts.
Promotional ones, where the company transfers money for its intended purpose for IT shares, and any bank can withstand it.
Cash out via buying gold.
Until recently, buying gold was a TOP scheme, and a change in the tax regime, and cash is a plus.
Cashed out via securities.
Promissory note — actually died, but there are a number of companies that successfully use it.
Depersonalized accounts.
A very old scheme that only worked with the participation of friendly banks that open an account without the participation of the company itself, and the withdrawal is very fast.
Terminal diagram.
To date, it works successfully, but only with giant agents. Allows you to withdraw as a percentage, now added to this moment the possibility of "setting up" an account with the USN.
Credit schemes.
Most of them are used in foreign(foreign economic activity) and withdrawal of capital from banks.
Scheme with substitution of merch in a crypto exchange.
Withdrawal is made from the corporate card, and it is depersonalized, the scheme is actually quite large, but it allows you to withdraw very large amounts with the possibility of transformation into crypt.
Offshore companies.
The offshore — crypt scheme, where the founder of a third-party company is entered into the company, the withdrawal goes as dividends, then transit goes directly to the crypto exchange, then issuance in crypt or cash. Also here we will include the purchase of equipment in offshore, and for crypt, under a fake site.
Purchase of shares.
Scheme for large amounts and buying shares of a crypto exchange — here the amounts are crazy, since the shares are depersonalized.
That’s all! In the current reality, there are an infinite number of cash withdrawal schemes; over time, they are both finalized and disclosed by the authorities, and they become irrelevant.
We see that the basis of cash withdrawal in 2023 is tied around cryptocurrency, and cash is becoming very expensive. Those who can make it cheaper are professionals.
Use it and follow the security and privacy rules. Supplement the material with available cash-out schemes. All the best!
