"Real" Numbers, Addresses
If you think about what essentially make your identity “real” to the state, its your name, address and phone number.
So If you have a forwarding address and a VOIP number, you can create an alternative identity online. But services and companies are aware of this so they have blacklisted a lot of address and numbers.
And if you are from a country that is too “risky” to do business with, you probably be denied access to a lot of basic products and services one can enjoy.
But I have a solution for you.
Cashflow Overview
Identity Buffer
USA Companies have access to everything and if you are careful enough, you can get access to things that even US Citizens are denied.
First you need a US Address which is non-CMRA, residential and also not blacklisted.
I have tested this address for financial services and it works:
6641 W Belmont Ave
Chicago, IL 60634
Get it at anytime mailbox via my referral link here. The mailbox will incur ~14$ per month.
Order a Google Fi number (20$ per month) via their official website and forward it to your home and activate it. Now you have 2 things:
Mobile Number that is from a Trusted Carrier
Proof of “Residence”
You can change address with your bank to forwarding address and use the banking statement as proof of address if you want.
Now you have an identity buffer for your personal details. If you want to reduce the number’s cost from 20$ to 5$ you can port your number to jmp.chat (I will make a video on this soon)
Non-Resident Aliens
If you are not a citizen of USA, you need to know this. Others may skip.
If you don’t have a passport get one fast because you will need it.
First of all get ITIN ASAP as it takes 3-4 months to get it. Apply through an acceptance agent, just select your country in here. They will file a tax return with a certified copy of your passport. It usually doesn’t take more than 250$ for Forms, certification and shipping to IRS.
Also as NRA, EIN would take 3-4 weeks so you need to apply for that ASAP as well.
When applying through the mentioned sites use US IP via a VPN or residential proxy, I recommend Windscribe. You get 30GB free bandwidth with it.
SSN/Green Card - If you are a successful businessman, kindly apply for 0-1 Residency Program and get SSN, it would make things very easy. You can read about it here.
Utoppia is a nice bank for non-residents. It can act as a buffer of sorts. But eventually you will need a Uruaguay/Panama Bank with crypto exchange attach to it.
LLC
Form a Wyoming LLC via this website and get EIN same day. I recommend this service as they help you setup RelayFi as well which is quite useful. This will cost you 200$ one time.
You should apply for multi member LLC with 1% shares to another LLC (recommended) or your relative. This will increase the business’s legitimacy manifold.
Wise
For currency conversion and small to mid size wire transfers, you will find Wise as a nice option. They have discontinued their debit cards that’s where our next option comes into play.
Payoneer
It is also an Electronic Money Institute (EMI) just like wise but it needs a bank as a funding source so wise account will be useful here.
You cat get a Mastercard for all currencies. Each mastercard will incur 30$ per year. So kindly close the ones you don’t need.
Plaid and TradFi
plaid is an automatic system used to integrate your banks with services, currently wise only has it and TradFi.
Taxes
If you are doing business through the Wyoming LLC you will pay 0% taxes and if you are a non-resident, in all likelihood according to double taxation treaties you will pay 0 taxes in your home country as well. For accurate information refer to your country’s treaty here.
Credit History & Transfer
Create credit history as soon as possible and if you are a non-resident get a Credit card via Nova Credit.
Stripe and LemonSqueezy
You can get payment from anyone through this. Pretty cool combination and fees are lowest in the market.
Paypal
Where does PayPal fit in all this? Our EU Frens love paypal and some vendors will only have paypal as an payment option, you can even use it to pay to others with card so it becomes yet another layer of privacy.
Ironvest
Even if you use business accounts, you will have your name under the cards due to the laws. This is where Ironvest comes into play. It will cost you 6$ per month and you can create cards via ACH at no further cost.
Mercury
If you have a business or can create a legitimate looking site, you should get this as it will get you more cards and accounts.
Interactive Brokers
This will get you a forex brokerage account. They have discontinued debit card but I am not using them so not updated on the situation.
Schwab International
This option need 25k$ deposit and you get a debit card that you can use worldwide. This option is rock solid if you got the change, would be worth it.
Trust
You can refer my twitter thread here. You can use this to hide your name from your vehicles and it will only cost you 2 notory’s worth of cash and can be done fully online.
Warm the Accounts
You should always add money slowly to the accounts to not raise any red flags.
Holding Layer and Expenses
You can optimize your expenses via Credit Card Points, but if its digital goods you can change your IP to Turkey and get huge discounts on almost anything.
You can setup Panama Trust banks as holding layers. You can move to a country with low cost of living to take benefit of GeoArbitrage.
Ghost Layer and Real Estate
Your assets and wealth should stay with a Uruguay/Panama account attached with a crypto exchange and from there stack BTC’s into your hardware wallet of choice.
I have written about fiat and crypto bridging here.
Amazon Business Prime Account
You can further optimize your expenses through a amazon business account and hide behind your business name as an added bonus.
Amazon Seller Account
Even if you don’t want to sell anything at Amazon, I recommend just uploading a journal and selling through KDP. This will get you a highbeam bank account. And some legitimacy for other stuff.