Mark the email as spam and move on.
If they really wanted to help, I would not be the person to come to.

It’s a scam. Do not engage. If a billionaire really wanted to send you money, they can pay for the lawyers and accountants to make sure it is all above board. Maybe they make a foundation and give you a cushy job there. That’s how actual billionaires do it. What you do with after is up to you (and your countries’ tax authorities, no doubt.)

Ironically, if it weren’t a scam, then crypto can be the safest way to receive any funds. If you securely generated your own crypto wallet, and sent him an address on a reputable blockchain to send funds to, and he actually sent them, then the money is yours, forever, no backsies.

Of course, that’s not how crypto scams work, either. They always guide you to use a wallet that they control (and can drain funds out of easily), or tell you to send crypto to them first to unlock something.

OP, if this is anything more than “hypothetically”, you are absolutely definitely being scammed right now. Break off chat with the “billionaire”. If you’ve given them your financial details, call the phone number printed on the back of your bank card. If you use Windows or MacOS, run a scan with Seraph Secure to make sure nobody has remote access to your computer.

That said: billionaires deal with banks and financial institutions of all kinds all the time. They’ll have their bank communicate directly with your bank before making a bank transfer, so both banks know exactly what’s happening. You may need to pay tax on the donation/investment. Use some of the money to hire an accountant.

If they are willing to invest millions in me, they can fly their ass over to me and deliver it themselves.

I’d also be willing to fly out to them if theyd rather just buy me the plane ticket.

Unless he’s standing at your door with a big bag of clean dollar bills, ignore it.

Hypothetically: Banks don’t generally scrutinize the source of the money or why it’s being transferred. If the funds exist in the account, they just make the transaction. Also it’s on the gift giver to pay any applicable taxes.

In real life: Scammers posing as a billionaire are infinitely more likely to contact you than a real one. The scammers will depend on you thinking a normal bank transaction won’t work so you can jump through some hoops that will inevitably have you paying them real money instead.

If billionaires actually wanted to help people, they wouldn’t be billionaires.

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What if I spontaneously sprouted wings and flew? It’s about as likely.

Tell them you want a meeting in person to discuss exactly what the investment plan is and what they envision coming from it. If they really wanted to invest “millions” then they won’t mind meeting in person

They don’t, they want to help themselves. If you happen to benefit as well, it’s basically a rounding error on their part, which they’ll be sure to minimize in the future.

You don’t get to be a billionaire by being nice. They will wring every last bit of value out of you.

They don’t.

If my nigerian princes have taught me anything is that these kind of things are always best done by western union.

check? EFT? ACH? bank transfer? depends on the amount. When you are dealing with that much money, Step 1: Accountant, Step 2: Attorney. You will be paying taxes, it is their job to minimize it. It is not your job to worry about it. If you are worrying about it, You. Are. Doing. It. Wrong.