Whether receiving money, transferring money or withdrawing cash - every citizen is under general suspicion.
With silent changes to general terms and conditions, reversal of evidence and the new EU authority AMLA, banks are increasingly taking on the role of government agents.

🏦 Banks are no longer service providers - they act on instructions from the authorities

Almost all banks in the EU have now amended their general terms and conditions. They state, in essence:

"The bank is obliged to block your account on the order of an authority - without a court order, without proceedings, without a legal hearing."

A digital instruction from a financial authority is sufficient - your access to the account is blocked. You are not asked. You have no recourse. Your money is gone.

Revolut was just the last domino to fall. Savings banks, Volksbanks, Commerzbank, Deutsche Bank, ING, DKB - they have all had such clauses in place for a long time.

⚖️ Reversal of the burden of proof: you have to prove your innocence

The rules of the game have changed:

• You used to have to prove illegal behavior.
• Today, you have to prove that everything is above board.

An unusual incoming payment? A transfer from abroad? A large withdrawal?

That alone can be enough to block your account. And then you have to prove where the money came from and that it is legitimate.

💶 Portugal as a pioneer: cash use only with restrictions

Portugal currently has the strictest cash regulations in the EU:

• Cash payments of 3,000€ or more are prohibited for residents
• For taxpayers even prohibited from 1,000€
• Only foreigners are still allowed to pay up to 10,000€ in cash

Even for everyday amounts, you have to pay electronically - or risk a fine.

🧠 AMLA - the new EU authority with access to everything

The new EU authority AMLA (Anti-Money Laundering Authority) has been active in Frankfurt since July 2025.

• Banking supervision throughout Europe
• Monitoring of all financial transactions
• Direct authority to issue instructions to banks

AMLA, tax authorities and banks will act as a joint control system in future.

The aim: real-time monitoring of all account movements - centrally, EU-wide, without judicial control.

📌 What does this mean for you in concrete terms?

💼 Area	❗ Consequence
💳 Bank account	Can be blocked at any time - without a court order
💶 Cash	In Portugal: Cash payment from 1,000€ prohibited
📑 Providing evidence	You have to prove that your money is legal
📡 Data transfer	Recorded & transmitted centrally throughout the EU

🚨 Conclusion: Financial freedom becomes an exception

Your account is no longer secure.
Your cash is no longer free.
Your access to money can be blocked without warning.

What about you? You can be monitored at any time.

✅ What you can do: Control starts with access to money

If you want real sovereignty, you need:

• Systems outside EU supervision
• Banking solutions outside the CRS
• Access to decentralized financial service providers (Web3)

🔐 CcoinFinance: An alternative with real personal responsibility

Available via the STR.domain package here in the Walgenbach store:

• ✔ Offshore IBAN account outside the CRS
• ✔ Decentralized wallet & Visa card
• ✔ Secure, non-monitorable transactions
• ✔ Full control over your money

Financial freedom can no longer be taken for granted.
It's a conscious decision - and it starts with the right infrastructure.