best procedure seems to be to keep amounts in the $500 range and use many different platforms

ie use revolut AND wise AND venmo AND whatever

but mostly use cash by mail and IRL meetups

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Agree not the best if your trying to do a lot of volume of larger tx size.

Revolut? I literally just closed the account last month when they started to ask stupid questions for MiCa. Like how much my net-worth is, my income, source of investment funds, how much I have in savings etc etc.