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You have an offline bank and an online bank, each can hold a maximum of 5mil (which equates to 10mil total). Any GMP you spend comes from your offline pool first, then from your online pool after the first is drained.
There currently is no way to manually move GMP from online to offline, but if you stockpile resources (processed materials/vehicles/weapon platforms) you can sell those off if the need arises, such as losing connection and going into the red.
This I agree with.