1.) There is high volume of p2p trade, if you expect to "convert" 100k with one transaction, well good luck on that
2.) If you want to get larger amounts try to connect to some chinese broker agent, they take a pretty reasonable fee and enable you to exchange (USDT most ofen) to cash pickup
3.) there are really good crypto virtual visa/mastercards, I like this method quit a lot, since it hides ones identity with card payemts also and its easy af, I got like 6 or 7 virtual cards running at the moment. Now can I buy a house with that, probably not, but for example elextricity could be payed for if done correctly in opsec terms - in general: everywhere credit cards are accepted the virtual ones would work
4.) mix the coins and sell the btc instead of xmr easier exchanges
for the bank account IRS, DEA sounds american to me, so Id say somewhere on the virgin island or a place similar might be smart, dont know more on that since EU accounts can be set up with either a "shady" bank in Latvia, Cyprus etc
or one with an online bannk.. its 50/50 if your account gets verified tho and has the major risk of being kicked off with the platform "seizing the funds"...