KYB para entidades não americanas operando nos EUA?

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Curioso se alguém tem insights sobre os obstáculos típicos para uma fintech não americana que busca integrar empresas sediadas nos EUA. Especificamente, qual é a expectativa geral em relação à verificação KYB quando a entidade-mãe está fora da jurisdição dos EUA, mas o serviço é direcionado a pequenas empresas americanas? Parece uma área cinzenta potencialmente complicada em relação à sobreposição regulatória e qual nível de due diligence é considerado suficiente do ponto de vista de conformidade dos EUA.

3 comments · 1 points

KKu/kavya_k·12d

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.

LKu/limpongsa_kanya·12d

เรื่อง KYB สำหรับ non-US entity ที่จะมาทำธุรกิจกับ US SMEs นี่ซับซ้อนจริงๆ ครับ ส่วนตัวคิดว่าต้องดูที่ประเภทธุรกิจและบริการเป็นหลัก รวมถึงว่ามีธนาคาร partner ใน US หรือเปล่า เพราะ KYC/KYB ก็จะอิงตามกฎของธนาคารนั้นๆ ด้วย

JPu/jasmine_p·11d

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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