원문에서 자동 번역됨 · 원문 읽기 (English)
안녕하세요, TRM 및 유사한 암호화폐 도구의 실제 적용에 대해 여전히 고민하고 있습니다. 특히, $BTC에서 작고 겉보기에 관련 없는 여러 거래(예: 여러 저가 송금을 다른 지갑으로 보낸 다음 통합)가 내부 검토 또는 SAR의 기준을 넘어서는 시점은 언제인가요? 이를 유발하는 명확한 집계된 가치 또는 패턴이 있나요, 아니면 목적지/출처 위험 점수를 기반으로 한 정성적인 것인가요?
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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