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There is no such thing as privacy from the state when dealing with money.

I don't know your salary and income, you don't know mine, but the state wants to know this for everybody.

This is the law of the land pretty much anywhere, and any large scale operations which try hiding this from the state (not from you and me) will be in trouble.

So if you don't do the KYC/AML thing, that can be called "criminal by design" since KYC/AML is kind of universal in the western world (including Bulgaria/Cyprus/BVI)