Phil, I respect your opinon and your posts are generally valuable and constructive, but on this topic you’re just tying yourself up in knots and moving the goal posts each time you post.
You originally said:
So I quoted an original post, several years ago, from Hugh outlining what I’d said which had already been quoted earlier on in the thread and your response was:
You’ve also pulled me up before for commenting on things (quite right, and for which I apologised) as a staff member and therefore in a official capacity.
So you either want somebody to clarify what our policy is, which I have, or you want an official response, which is also what you’ve had.
The law around tipping off is incredibly complex and most front line staff don’t have the level of understanding around this that staff who work in financial crime do. I work in Financial Crime, so I’m fairly confident that I can respond to the best of my ability, with out compromising our internal policy.
We are 100% fine with people who use Crypto for personal usage. We have people who use their Monzo account solely for crypto in the same way that we have customers who use their accounts for things like matched betting or to separate their monthly spending budgets. We’re okay with that - honestly.
Some people, however, abuse the system. They try to disguise criminal activity by what you and me would consider perfectly normal use, but there are multiple indicators that we use and identify in order to prevent people being scammed, defrauded or victimised in other ways. The only way to be truly transparent about our acceptance of Crypto would be to disclose what we deem isn’t acceptable. I could list those things for you quite easily, but that would aide those who use any financial system to game the system. We wouldn’t ever be prepared to do that because it would be criminal and negligent to do so.
I don’t think we can be clearer than saying if you use your Monzo account for personal cryptocurrency then we don’t have an issue with it. We can’t comment on other individual scenarios because if we said yes you can do that, no you can’t do that, then the people who take advantage of young people to mule money would very quickly adapt the way they work to avoid detection.
In the same vein, if I defined what we see as “personal” or “acceptable” crypto use then people would manipulate their movements of money to mirror this and attempt to avoid detection.
I’m genuinely sorry if the explanation isn’t enough for you here, but there won’t be any further information we can provide here.
It’s my last night off tonight, so I’m putting the community down and having an early one with my latest Jack Reacher book (I can’t believe I’ve only just discovered the Lee Child books!!), but I hope you have a great evening 
