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INAL, but just to give one more example. If you're depositing >$10k cash into a bank, you (or your bank) have to report that to the IRS. If it's legally acquired, that's fine. However, breaking that same transition up into multiple transactions in order to avoid this reporting requirement is called "structuring," and it's a felony, even if the money was totally legitimate.

=> https://www.mybanktracker.com/checking/faq/rules-deposit-100...

But that's Actual Cash.

Moving $20k fully electronic (eg:ACH) doesn't have that requirement.

But lots of systems have limits based on risk windows.

Yes, for example real time NACHA payment event streams are actually windowed by periods governed by each transaction's exposure to risk and corresponding risk classification windows.

Structuring is still a crime if there is a legitimate reason for the transfer

Account transaction limits are different than reporting limits.