You seem to be right. I skimmed wikipedia which said "other payment or transfer" and assumed it covered eletronic transfers as well, but it looks like only cash is covered.

https://verafin.com/wp-content/uploads/2017/01/currency-tran...

>A CTR is only required when a transaction involves cold hard cash, in either paper or coin form. Other forms of payment, such as wire transfers, don’t need to be reported on a CTR.

CTRs are reporting requirements for financial institutions. Individual payments between people in the US don't require reporting.

It is different if you have a business.

I cannot speak for other jurisdictions, but Canada defines something called a “Reporting Entity,” and if you qualify as such, you absolutely have reporting requirements:

https://www.fintrac-canafe.gc.ca/reporting-declaration/info/...

The form you are looking for is Form 8300.