Since January 2026, DAC8 has made US bank account "invisibility" a myth. The goal now is legal efficiency — not hiding, but structuring.
As of January 2026, the DAC8 Directive has expanded the automatic exchange of information to include crypto-assets and tighter reporting on foreign bank accounts. For European residents, the “invisibility” of a US bank account is a myth of the past. The goal for 2026 is not about hiding money, but about legal efficiency—structuring your US LLC so that its existence is fully disclosed but its tax burden is legally optimized through deferral
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