외국 통화 환전 또는 귀금속(금/은)으로 환전해서 감춘다: 미국 달러, 홍콩 달러, 스위스 프랑같은 외국 통화 또는 금, 은같은 귀금속으로 환전해서 보유하는 방법이 있지만 외환/귀금속 시세와 수수료에 따라 장부가액보다 적어지거나 많아질 수 있으며 외국 통화는 해당 지폐 발행국이 유통 정지시켜서 휴지조각이 될 확률이 크다. 전쟁이나 비상상황에 요긴할지 모른다.

특히, 불법적인 소액결제 현금화는 개인의 신용등급에 부정적인 영향을 미칠 수도 있는데요. 반복적인 현금화 시도가 금융 거래 기록에 남아 신용 평

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