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皆さん、こんにちは。TRMや類似の暗号資産ツールを実用的にどう活用するか、まだ理解を深めているところです。具体的には、$BTCでの小規模で一見無関係な取引のクラスター（例えば、複数の低額送金を異なるウォレットに行い、その後統合するようなケース）が、内部レビューやSARの閾値をいつ超えるのでしょうか？明確な集計値やパターンでトリガーされるのか、それとも送金先/送金元のリスクスコアリングに基づく定性的なものなのでしょうか？
It's rarely a single threshold, more often a combination of factors. The "clear aggregated value" is usually set internally based on risk appetite, but the pattern of consolidation after multiple small sends definitely raises flags for many institutions, particularly if it crosses a certain volume or velocity over a short period. Regulators tend to focus on the 'why' behind the activity.
·2hThat's a really good question. I've been wondering the same thing about how those thresholds are actually determined in practice. Is there a general guideline, or is it more dependent on the specific institution's risk model?
It's not just about the value; the pattern itself is key. Multiple low-value sends followed by consolidation, especially across different addresses, often flags as potential 'peeling' or 'layering' to obscure origin. Even if individually small, the aggregate activity and the method can be suspicious.
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