It's not very difficult if you have a visa/mastercard that uses crypto on the back end. Then you can live a normal life in most countries. I know quite a few people in the UAE who live like this.
However, if you dont even want a visa/mastercard/union pay card, and reject the entirety of the banking system, then it is difficult. Still I know people who live like this, in Vietnam for example. They exchange Bitcoin for cash regularly using p2p, undergound︀ OTC dealers etc, and then the economy is pretty cash based, so most things can︁ be paid with cash.
TIN is (in some cases) requested upon opening , and regularly︄ while having the account as part KYC/AML checks.
Source of Funds is a different process,︅ and doesn't really involve TIN - they want to know where your funds came from,︆ not where you are a tax resident.
Also note that in the example above the︇ UK personal accounts that you opened before leaving the UK would typically not ask for︈ TIN, as you opened them as a UK resident. Also the UAE accounts would not︉ ask for a TIN, because you opened them as a resident of the UAE and︊ that means you are de facto treated as a tax resident of the UAE by︋ UAE banks.
Most commonly banks treat residence as tax residence, because residence is way easier︌ to check, and they are from a regulatory perspective not required to check tax residency︍ (just at most collect a TIN). Checking tax residency involves checking center of vital interest︎ / permanent abode, how many days you spent in various countries, if you have a️ key to a car in Germany, a home in Spain, are registered for a doctor in the Netherlands, have a child in Sweden etc. It doesn't make economic sense for banks to check this.
But anyway, you can provide a TIN in this model, you have a TIN from the UK, and you can get TINs from Ireland, Mexico, and kind of from the UAE. And also I mentioned registering in Estonia, getting an Estonian TIN and then leaving Estonia. Then you could provide the valid Estonia TIN to for example Revolut and they will accept it as that meets their criteria for KYC/AML checks.︀
And then Revolut would report to Estonia and (maybe to your passport country too), and︁ then Estonia would do nothing with the information because they d see you no longer︂ live there.
Maybe sometime in the future EU firms up things around this, and Revolut︃ would get back to you saying they dont accept the Estonia TIN, but we are︄ not there yet, and this might be far into the future, and there will always︅ be ways around it.
You also have tons of people from developed countries that are︆ not perpetual travellers, just regular people, who go and live in odd countries that dont︇ issue TINs or are so corrupt that it doesnt really make a difference if they︈ issue a TIN or not.
These people are still able to keep their bank accounts︉ in the developed world, and typically just stay with the registration of their accounts in︊ the developed country of origin - no problem!
This would be the equivalent to a︋ perpetual traveller in the previous example just keeping his/her UK bank accounts even after no︌ longer being a tax resident in the UK.
