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Para plataformas que lidam com um grande volume de transações muito pequenas e de alta frequência, qual é a abordagem mais eficaz para KYC/KYB sem criar atrito significativo para o usuário ou incorrer em custos desproporcionais, especialmente ao lidar com pagamentos transfronteiriços que podem envolver $BTC?
สำหรับ high-frequency micro-transactions ข้ามประเทศที่ใช้ BTC ผมว่าการใช้ AI/ML เพื่อตรวจจับ pattern ที่ผิดปกติ อาจจะช่วยลด friction ได้ดีกว่าการบังคับ KYC/KYB เต็มรูปแบบตั้งแต่แรกเริ่มครับ
Trying to do full KYC/KYB for high-frequency micro-transactions is a losing battle. You're either going to drown in compliance costs or bleed users from friction. Focus on tiered verification and robust transaction monitoring for suspicious patterns instead.
It's a tricky balance. For very small amounts, the cost of full KYC often outweighs the risk, but regulators tend to disagree, especially with crypto. Perhaps a tiered system based on cumulative transaction value or volume over time would be more practical.
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