I’ve helped a few clients do this exact thing, and the cleanest route if you want to avoid scrutiny is to use a low-risk LLC or offshore company to invoice a buyer or intermediary. Here's how it can work:
You set up a U.S. or Estonian company (or any other low-maintenance jurisdiction). Your company then "sells" digital services, like web design or marketing reports, to a trusted buyer — this buyer is either someone you know or a service you control. You receive a payment in fiat, usually from a separate crypto-sourced pot, and now it looks like legitimate business revenue. You pay taxes on it (small ones, if you pick the right structure), and you're clean.
This way, the fiat comes from a business transaction, not directly from crypto. You avoid setting off alarms with exchanges, and the bank sees a payment that matches an invoice. You should still use a bank that's familiar with small business payments and won't overanalyze a $10k–$20k transaction.
Only catch: keep records. Even if they’re fake, they need to look consistent. Contract, invoice, client details, maybe even an email trail. It’s about optics. If anything is flagged, you need to have a full paper story to back it up.
And never I repeat, never write “crypto” in any payment notes or descriptions. That’s the fastest way to get frozen.
