If your the modder it's safe cuz u can switch cids the non modders cant,also I say instant ban cuz a few people I did accts for in the past got all there accts banned on ps3.
I've been console banned once and account banned 0 times. Yet, I've been modding GTA everyday since the day it came out. The only reason you get banned is when you just change the offset, if you drop the money so the game registers the money or you send it by a multiplier you will be fine. Rockstar ban filters don't usually search for accounts under 200 million and rank 200, more so people like 999 with 700 billion.
Like all ban risk is there but for the specs he's asking for... if the modder knows and has the right tools he should be fine.