The risk of large amounts of money entering an account depends on the source of the funds. If the funds are coming from a legitimate source, such as a paycheck or a bank transfer, then there is no risk. However, if the funds are coming from an unknown source, such as a wire transfer from an overseas account, then there is a risk that the money could be from an illegal source, such as money laundering or fraud. In this case, it is important to investigate the source of the funds before accepting them into the account or swap them into cryptocurrency.
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