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

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.

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.

It’s a scam at best. At worst you find yourself being part of a death game, thinking you can win all the money by killing all of the other players - only to get executed in the end anyway.

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

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.

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

They would have their people set up a trust fund for you, or they would have their people transfer the money to you.

This is not a problem you need to consider in this situation

They just make a bank transfer. The real issue is the taxation.

Every country has a threshold for how much someone can receive without paying taxes.

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

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

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

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