Venmo won't let you take out more than 4999.99 in a single swoop. I frequently have $10k+ in there. I suppose I'm technically "structuring" when I withdraw, but there's no other way for me to get the money out and I haven't gotten in trouble yet. If I do get in trouble, I'll post here and hopefully Venmo will have figured out how to withdraw more.
If you're doing it because of a hard cap on the withdrawal amount it's not structuring. You have to be doing it with the specific intent to avoid required reporting.
You don't have to be doing anything wrong. You only need to appear suspicious to a compliance algorithm and you're suddenly unbanked with no explanation or recourse.
Today's banks are over-compliant and won't care to dig into your intent.
