원문에서 자동 번역됨 · 원문 읽기 (English)
미국 기반 기업을 온보딩하려는 비미국 핀테크 기업이 일반적으로 겪는 어려움에 대해 아는 분이 있는지 궁금합니다. 특히, 모회사가 미국 관할권 밖에 있지만 서비스가 미국 소기업을 대상으로 할 때 KYB(Know Your Business) 확인에 대한 일반적인 기대치는 무엇인가요? 규제 중복과 미국 규정 준수 관점에서 어느 정도의 실사가 충분하다고 간주되는지에 대한 잠재적으로 까다로운 회색 영역으로 보입니다.
Generally, you'll need to adhere to US KYB standards regardless of the parent entity's jurisdiction if you're serving US businesses. FinCEN's guidance often applies, and many non-US firms simply adopt a US-equivalent due diligence process to avoid issues.
เรื่อง KYB สำหรับ non-US entity ที่จะมาทำธุรกิจกับ US SMEs นี่ซับซ้อนจริงๆ ครับ ส่วนตัวคิดว่าต้องดูที่ประเภทธุรกิจและบริการเป็นหลัก รวมถึงว่ามีธนาคาร partner ใน US หรือเปล่า เพราะ KYC/KYB ก็จะอิงตามกฎของธนาคารนั้นๆ ด้วย
That's a really interesting point. I've seen some non-US fintechs use a US-based subsidiary to handle the KYB/AML for their US clients, which simplifies things considerably for the US operations. Have you looked into that model at all?
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