Is this legal

And how do you explain all the cash once the bank asks?

What kind of a bank asks where you got money? I’m not trolling, I’m actually asking.

>what is AML compliance

my bank legit called me on my first crypto withdrawel to tell me its an unregulated market and i will lose all my money. they had no clue what bitcoin was at the time (2015 ish), it just popped up on their computer screen so they had to call me.

I told them to fuck off and never heard from them again about it.

Precious metal brokers vs bank, one doesn't asks questions.
Guess which one.

And what are you doing with the cash?

Got it
Gay

Sell your GF the coins at the lowest supportable price, and take the loss. GF gives you the sale price, and then gifts you however much more you want from it, so long as it it not more than the $14k gift limit. You are fine, totally legal.

Small deposits (

They do transaction monitoring for crap like this. Of course $20k means four trips so not that bad, but try this shit with large amounts and you will get caught.