KYB for Crypto Payment Gateways: Managing Risk vs. Onboarding Friction

We've been exploring a few different crypto payment gateways lately for a new service line, and the variations in their KYB processes are pretty striking. Some are remarkably streamlined, almost too much so, making me wonder about their underlying risk assessment for compliance. Others, while clearly robust, create significant friction for our merchants, especially smaller ones who just want to accept $BTC or $ETH without a lengthy legal review. It's a tough balance to strike between mitigating compliance risk and ensuring a smooth onboarding experience that doesn't push potential users away.