I recommend OP looks at the case studies from the Egmont Group as inspiration. ML is not complex for small amounts of money, it is just that it gets progressively more complicated the more you have to justify the existence of it. A lot of black market employees have briefcases of cash or metals buried away places because of this. Eventually we will have a vast industry on the darknet for ML because cryptocurrencies are perfect for storing awkward to explain amounts of money in a way similar to how offshore accounts are sometimes used. For that to occur, bitcoin would have to stabilize though, but I think that's a reasonable proposition. If you are an SR vendor and you're putting SR related cash straight back into the bank, that's a wee bit of a problem, you got to justify every red cent if you work on the black market. You can't assume you'll get away with it like most legal employees would, your accounts ought to be as clean as a whistle. It would be extremely annoying to do everything else correctly and then get whacked because the taxman got suspicious.There... are books on this subject OP, they are called AML literature! You're bound to get some ideas from those! Sorry if I sound vague, but this is worth a google.