Phantom Stays

UK born🇬🇧 US LLC🇺🇸 structure for Ecom biz - US banking - US Shopify payments (low fees) - US Amex 0% tax residency in Paraguay 🇵🇾 That’s sovereignty Fully optimized global life as a high earner Not a playbook for all, but can’t go wrong with this. Congrats huge win 🏆

@john_i99 Not true

@PhantomStays One thing that is not talked about, is you actually need to live in Paraguay as a resident to prove to original country that you are a tax resident there, if you start flying around se Asia and Europe with this setup living the nomad lifestyle they gonna say ur still uk resident

Just made a 20 y/o ecom founder from the UK 🇬🇧 $50m in lifetime gains. He's running multiple brands, on track for $3M revenue this year with over $400k in profit. Super nice guy with a lot of potential, but getting absolutely destroyed by his own government. Here's the brutal math of staying in the UK on that income: 25% corporate tax, 20% VAT, 38% dividend tax, 5% national insurance. Make $1M profit, keep $400k in reality. His current accountants are so conservative they won't even fully write off a biz laptop. A LAPTOP. Meanwhile we mapped out a clean 3-pillar structure to legally bring his tax rate to zero. Phantom Pillar 1 is business structure. In this case, routing everything through a US LLC. This is the operational backbone. A US LLC is a pass-through entity, so when he's a Paraguayan tax resident and not a UK resident, there's nothing to tax. Phantom Pillar 2 is personal tax residency. In this case, Paraguay residency. Most people jump straight to Dubai, but Dubai requires 90 days on the ground per year. Paraguay requires one visit. That's it. One short trip for 24--48 hours and you're done. Cedula (residency ID) arrives in 2–3 months. No minimum physical stay after that. Total location freedom to run his brands from anywhere in the world, no strings attached. All he needs to be mindful of is keeping his nexus in the UK in check. On top of that, these pillars unlock: 🔥 Stripe, PayPal, Shopify all process cleaner with US entities (less freezes, less friction) 🔥 Access to US business banking like Slash and Chase (no more fighting UK banks for basic functionality). Not to mention an elite points and rewards system. 🔥 Globally recognized business presence, better trust with suppliers and ad platforms 🔥 Currency conversion fees drop 1–2% on US dollar flows, which adds up fast at his scale Phantom Pillar 3 is where it gets serious. Once residency is active, we set up a Panama Private Interest Foundation. This is essentially an anonymous trust that sits above the LLC and sweeps profits out of it. The beneficial owner becomes invisible on paper. UK government can't touch it. Any future e-com lawsuit or creditor claim hits a wall. Assets compound inside the foundation, tax-free, with the option to open international accounts and eventually lend against those assets if needed. Total setup cost across all three pillars is somewhere around $10k. The return in year one alone is $100k+ in taxes he keeps instead of handing to HMRC. ⭐️ Tax rate: 0% ⭐️ Savings year one: $100k+ ⭐️ Location requirement: One trip to Paraguay ⭐️ Asset protection: Bulletproof ⭐️ Freedom: Complete He's 20 years old. If he compounds those untaxed earnings for the next 40 years, the difference between this structure and staying on UK rails isn't thousands. It's generational. The math on that is so wild its almost hard to wrap ur peanut brain around it. But for ease of discussion, it's a $50m come up, conservatively ($100k compounded yearly assumed). Most young founders grind for years to increase revenue. Almost none of them realize the biggest leverage point isn't the top line, it's how much of it they actually keep. Structure beats hustle, every time.

@cashaff1 Varies based on nexus but certainly no more than 6 months

@PhantomStays Max amount of time he can stay in the UK w this set up?

Just saved an Australian dropshipping founder 🇦🇺 $200k in one call. The guy is doing $10M USD/year selling to the US, UK, and Canada with 20-30% margins. wants to travel Europe extensively and has the cash flow to do it in serious style. But here's the problem. He's bleeding up to $200k a year in pure fees, running his entire global operation through an Australian bank account and eating 1.5-2% Shopify currency conversion on every dollar that comes in. On top of that, he's locked into Australia's brutal tax brackets, stuck on Australian credit rails (5x weaker than the US system), and his entire business and cards are under his dad's name because a prior company went into liquidation and flagged his personal credit history. He's not starting from zero. He's starting from behind. So we're fixing all of it. The plan starts with getting him connected to our in-house community tax attorney, to stand up a proper US business entity. The structure depends entirely on how he wants to live. If he spends more than 6 months a year outside of Australia, a US LLC as a pass-through drops his effective tax rate to 0%. Full stop. If he keeps Australia as his home base, a US C Corp locks him into a flat 20% corporate rate instead of the aggressive Australian brackets he's getting crushed by right now. There's just no world where he needs to route global income from other countries through an AUS entity. It's pointless. Either way, he wins. Once the entity is established: 🔥 Open a US business bank account remotely and route all Shopify and e-com revenue directly through it. This single step eliminates the 1.5-2% conversion fees entirely. That's $150k-$200k straight back to his bottom line, every single year, just by changing where the money lands. 🔥 Rebuild a clean US credit identity from scratch. Takes 9-12 months to build real dominance, but we start immediately. His dad's profile drops out of the equation entirely, and he owns his own credit future. 🔥 Once the US credit profile is live, pivot all ad spend to the US Amex Business Gold. We're talking 4x Membership Rewards points on advertising spend. The US card system isn't slightly better than Australia's, it's 5x stronger when you factor points multiples and transfer ratios. Every dollar he's currently spending on ads is earning him a fraction of what it should be. The full picture when this is dialed in: $150-200k in fees recovered annually, tax liability down to 20% or 0% depending on travel habits (we will build this flexibly so he can decide during which year he wants to do what), a clean personal credit profile in his own name, and enough points multiplier to fund luxury business class travel across Europe while his brand keeps scaling. He came on the call talking about Europe. He's going to get there, and it won't cost him a thing. If you're running serious e-com volume on non-US rails and watching fees and taxes quietly eat your margins, we should talk. The setup isn't complicated. The cost of not doing it is.

U can literally just go heliskiing in Alaska w ur boyz yet ur chillen at the fairmont Dubai dodging missiles Which way hookah bros?

Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - phantomstay.com/newsletter

Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - phantomstay.com/newsletter

@sergiotavoak Happy to chat mate

@PhantomStays Might be time for me to get on a call with you. We’ve got the setup for 4 years, but not taking advantage of the banks. We do everything with Mercury, but of course that limits the credit cards.

Just got off a call with two Finnish ecom founders 🇫🇮 running a $2M/year Shopify store, pulling $300k in profit annually. Killing it, but with one big L - They're incorporated in Finland 🤮 They were planning to wait a few months for a new residency approval before making any changes to where their revenue was flowing. In the meantime, they wanted to keep their business running through the Finnish entity as usual. That's a massive tax nexus problem. Every day they keep operating through that Finnish structure is another day the Finnish tax authority can claim them. And without US infrastructure, they're completely locked out of the best credit card multipliers on the planet. Here's how we're fixing it, and fast: The first and most urgent move is getting them completely off the Finnish company. No more transactions, no more banking activity through the Finnish entity, full stop. And time spent physically in Finland drops to under 60-90 days per year. That's how you sever the tax nexus legally and cleanly. Then we're not waiting four months for anything. 🔥 US LLC goes up immediately. Most founders don't realize that US LLC reporting isn't due until end of year, so there's zero reason to sit on your hands waiting for residency paperwork elsewhere. We file the LLC now, get the EIN within 1-2 weeks, and the machine starts running. 🔥 To unlock Chase and Amex properly, they need a real US residential address, not a registered agent address. This is where most people mess it up. Shopify Payments, Chase, and American Express all flag registered agent addresses and will reject or freeze the account. We're going through our community lawyer to secure a legitimate, verifiable US residential address that actually clears KYC. 🔥 With the address secured, we transition their Shopify store from Shopify Payments Finland to Shopify Payments US. This alone opens the floodgates: proper US business banking through providers like Slash, and eligibility for the US Amex Business Gold at 4x points on ad spend and business purchases. On their volume, that's a completely different earning tier. 🔥 Simultaneously, we pair the whole US LLC infrastructure with Paraguay residency. Trip is only 24-48 hours to handle paperwork and biometrics. No minimum physical presence required after that. Only thing they must be mindful of is their nexus in Finland. The outcome of all this: Their $300k in annual profit flows through the US LLC as a pass-through entity directly to their Paraguay tax residency, which taxes foreign-sourced income at 0%. Legally. Cleanly. The Finnish tax exposure is gone entirely. And for the first time, they're inside the US banking and credit ecosystem earning real points on their biz spend, and building relationships that will unlock serious credit leverage and loans. $300k in profit going from taxed at Finnish rates to taxed at 0% is life-changing math. And they almost spent four months doing nothing, bleeding money, waiting on paperwork that wasn't even blocking them. The window to fix a tax nexus problem is always shorter than people think. Don't let geography and bureaucracy be the reason you're leaving six figures on the table every year.

@solgichuhi Not necessarily but most useful things require it

@PhantomStays A real US address is required from the start when incorporating US LLC?

@umichboyo US credit cards Those who r spending over $20k combined between biz and personal expenses have the best opportunity to play the game, but anyone can

@PhantomStays How do u get points

Hardest of copes I’ve seen If u know what ur doing this costs $800 max: ✅ Flights/hotels for free or 95% off w points & phantom rates ✅ Rental car discount 70% off w phantom rates So ur just paying for food gas & tour Lack mentality when abundance is all around us. This is why u shouldn’t take advice from normies

Phantom Stays is an international living community for backpacker final bosses who value living an opulent life around the 🌏 for less. sign up to the newsletter to learn more - phantomstay.com/newsletter

@fredrekt1 @brenontheroad @levelsio Yes and no tax on top of that.

@brenontheroad @PhantomStays @levelsio living on 200k/mo in south eu vs living on 200k/mo in SF

yo I wanna know what @levelsio’s investment portfolio looks like making $218,00 per month is no joke $130k x 12 = $1.5m per year in income (60% margins assumed) That’s guaranteed billy status if he plays it right over the next 45 years.

@JayRob8888 $973

@PhantomStays How much is your course that teaches how to do this?

When I say u can get the world's finest $2k/night hotels for $300, no one on this app believes me but the real know Phantom Rates are the truth

@ventos99 Sure plenty of times

@PhantomStays Ever thought about cyprus LTD acting as holding company of wyoming LLC? 0% tax on LLC and 0% on LTD pass through profits and 0% dividend tax on individual

Just wrapped a call with a German 🇩🇪 digital product founder selling in Euros, making solid money, but absolutely done with the German tax authorities. He's been wanting out for a while. The problem isn't just the tax rate. Germany's got aggressive enforcement, mandatory public registries that expose your business ownership, and a nasty habit of claiming you're still a tax resident even after you leave, especially if your last known tax home was there. So just packing a bag and going nomad doesn't cut it. You need a proper paper trail that legally proves you've severed ties. Here's the exact structure we're building together: The core move is pairing a Wyoming LLC with a Paraguay tax residency. On their own, each one is useful. Together, they completely knock him out of the German system at an effective rate of zero. 🔥 Wyoming LLC as the business entity Wyoming has 0% state tax, dead-simple compliance, and strict name privacy through a registered agent. His name never shows up on any public state registry. Setup costs around $500, with $300–$400 in annual renewal fees. That's it. No state income tax filings, no nonsense. 🔥 Euro payment processing without the European headache He sells digital products in Euros to various markets, so we're routing payments through Stripe and holding balances via fintech platforms built for exactly this. Slash, Revolut Business, and Airwallex all onboard US LLCs and let you hold Euro balances, receive SEPA transfers, and operate internationally without triggering EU compliance obligations. He keeps the Euro functionality, loses the European regulatory exposure. 🔥 Paraguay tax residency to legally kill his German tax status This is the piece most people miss. You can't just leave Germany and assume you're free. You need an official tax residency somewhere else, stamped and documented, or Germany will come looking. Paraguay requires a single 24-48 hour visit to set things up. Zero days of ongoing physical presence per year after that. Effective personal tax rate on foreign income: 0%. Setup runs around $4,000 with $500–$1,000 in annual maintenance. For a guy who wants to live in Bali or Thailand without a tax authority breathing down his neck, this is the cleanest exit on the market. The result: ✅ Completely out of German public business registries ✅ No more aggressive German tax enforcement ✅ Pass-through LLC income + Paraguay residency = 0% effective rate, legally ✅ Full nomadic freedom, Bali, Thailand, wherever, with zero surprise European tax bills Germany's system is specifically designed to hold onto founders as long as possible. Most people don't realize how exposed they still are even after they physically leave. If ur a European founder sitting in a high-tax country and you've been putting off the exit, the structure exists. It's not complicated. It's just something most people don't know how to put together.

@goatlkw @levelsio That’s a lack mentality

@PhantomStays @levelsio He's set for life for sure. But his consumers use his products to use AI. At one point that won't be needed anymore as it would be a lot easier and cheaper to just use AI directly as we're seeing it happening. 45 years hm maybe 1-2 year tops