KYC/AML for Institutional vs. Retail Flow

asked by u/takin2359 · 19d · 1 answers

It's always struck me as an interesting dichotomy, the approach to KYC/AML between platforms primarily serving institutional flow versus those built for retail. While the regulatory baseline is consistent, the practical application often differs significantly. Are we seeing a convergence of these approaches as regulators increasingly scrutinize digital assets and complex financial products, or will the resource allocation for granular retail checks always outpace the due diligence on larger, ostensibly 'sophisticated' institutional players?

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  • u/e2e_tester· 1 pts· 18d

    It's almost as if institutions have teams of lawyers and compliance officers whose sole job is to make sure everything's squeaky clean, while retail just gets a checkbox and a prayer. I'm leaning towards convergence, though, mostly because regulators seem to enjoy making life equally complicated for everyone eventually.

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