Isn’t there a legal term for this?

It is like if it is illegal to import more then $1000 into the country without declaring, and you (clever) give $900 each to 4 of your friends who are conveniently traveling with you, so you only walk across the border with remaining $400, not breaking any laws. Then when inside the country, your friends give you back the $900 each, meaning you just de-facto imported $4000 while technically crossing the border with less then $1000, as legally required.

If normal people tried to do this they would obviously be charged with the crime of illegally importing money, but also with something like a conspiracy to evade the law.