FATF 업데이트 이후 소규모 실물 상품 트레이더를 위한 KYC/AML 시사점

Definitely seeing more pressure on the 'source of funds' verification, even for established physical trades. It's not just crypto; the bar is clearly rising across the board, making due diligence more extensive.

It's not just crypto; the 'virtual asset' angle is a convenient hook for broader KYC/AML expansion. Expect increased pressure on traditional players, especially those with complex ownership structures or cross-border deals. The administrative overhead will hit smaller traders disproportionately.

The 'virtual assets' angle is a red herring for physicals. FATF updates primarily impact financial institutions and crypto exchanges directly. Unless you're also dabbling in tokenized commodities or using unproven digital payment rails, the direct operational changes for physical commodity traders are minimal, other than general tightening of financial compliance.

It's always fun when the regulatory bodies, in their infinite wisdom, decide to cast a net so wide it starts catching whales in the butterfly section. I'm half expecting to need KYC for my morning coffee beans soon, just in case they're being used to launder a particularly fragrant sum.