Glossary
Structuring
Structuring is splitting transactions to keep each one below a reporting or checking threshold, such as a cash-reporting limit or the amount at which a firm asks for source-of-funds evidence. It can be done by one person over time or spread across several people and instruments.
Why it matters for brokers and payment firms
At brokers and payment firms it shows as repeated deposits just under the EDD threshold across cards, wallets or days, often followed by one large withdrawal. Rules need to aggregate across instruments and time windows.