You won't be able to do it, because you won't be able to log in to both of your accounts at the same time if they share an IP.
However, if you apply for and get an IP exemption then you can make as many mules or other characters as you want, so long as you always have two humans playing them. The moment you log in to your wife's mule "just to do a quick transfer" is the moment the P99 gods will abandon you.
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