# Money laundering techniques in complex transaction structures Money laundering is usually divided into three stages: delivery, layering and integration. Money laundering through complex transaction structures mainly takes advantage of the complexity and loopholes of the financial system. The following are some common methods： ## Common complex transaction structure, money laundering techniques -**Decentralized transactions**: Split large funds into multiple small transactions to avoid the threshold for reporting large transactions -**Network of shell companies**: Establish a multi-level corporate structure, and funds circulate between different legal entities -**Trade money laundering**: Disguise the flow of funds through false trade transactions, price manipulation or excessive invoicing -**Hedge funds and private equity structures**: Use complex investment tools and offshore structures to hide sources of funds -**Digital asset conversion**: Convert illegal funds into cryptocurrency and then back to legal tender, taking advantage of anonymity ## Hidden technique -**Legal business mixing**: Mixing illegal funds with legal corporate cash flow -**Cross-border transactions**: Take advantage of regulatory differences and insufficient information sharing in different countries -** Celebrities and trusts**: Holding assets in the name of a third party -**Revolving loan**: Use own funds or assets as collateral to obtain "clean" loan funds Financial institutions prevent these activities through measures such as risk assessment, customer due diligence, and transaction monitoring.