Financial control of the bank or PayPal?

Question

Freelance

Good afternoon.
As a physicist, I receive USD to my USD bank account from abroad and can withdraw it in the form of USD bills at an ATM or pay electronically directly with them without any conversion into rubles.
Reading about financial control for individual entrepreneurs, I did not fully catch its "devilish" details.
1. If I open a foreign currency account for an individual entrepreneur, then, I believe, USD will still reach it and USD will be stored on it in the form of USD. But will I be able to withdraw them from there in the form of USD or transfer them to my personal USD account as USD without any double conversion into rubles? Or is there some law that I can withdraw USD from an IP account only in the form of rubles?
2. If I am NOTI can withdraw USD from my IP account in the form of USD, then which option is better to choose (I will lose less on conversion or servicing a currency account):
a) Receive USD to a PayPal account and withdraw it from there in the form of rubles at the PayPal rate (USD from there do not pick up), indicating your ruble IP account.
b) Open a foreign currency bank account for individual entrepreneurs and receive USD on it.

Answer 1

1. - Yes, the money will go to a transit account in USD, after currency control - to a current account in USD, from there you can transfer an individual to your personal dollar account and do whatever you want with it. The only thing is that there is often a limit on the amount of the transfer to the account of an individual, or some kind of additional. commission. On my example - IP accounts in the Point, then I transfer to my account in Otkritie (the point is included in the Otkritie group), but no more than the equivalent of 500t.r. is possible without a commission. transfer per month, all that is more - 3% commission. Well, then to the brokerage house of the same Opening and change on the Moscow stock exchange, it is noticeably more profitable than in a bank.