Where is the boundary between RMT and “colonization assistance”

I've heard of people getting banned for transferring credits through fleet carrier.
This raises the question:
Will my friends get banned if they transfer resources (which are worth about 90% of market value) from my fleet carrier to a colonization ship that buys them above market value? Wouldn't that be considered an RMT transfer of credits? I just don't want my friends helping me at a disadvantage
 
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