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以前，你通过了新经纪商或PSP的初步检查后，基本上就能安稳一段时间了。现在感觉每隔几个月就会有新的“强化尽职调查”请求或“刷新”身份检查。这不仅仅是不方便，尽管这确实是其中一部分；更是纯粹的不一致性。一家提供商想要过去三个月的水电费账单，另一家坚持要银行对账单，第三家则认为手持护照自拍是新的黄金标准。这常常让人觉得你是在跳一个从未真正尝试过以交易为生的人设计的圈套。
然后是“为什么是现在？”这个问题。是全面的监管压力真的在增加，还是有些机构只是在手忙脚乱地自保？由于这些零星的请求，账户完全激活或甚至调整出金限额的延迟可能会产生真正的影响。我们谈论的不是小数目，而资金被冻结，合规部门的人员却在一周内慢吞吞地处理文件，这对于资本效率来说绝非理想。只是好奇其他人是否也经历了这种频率的增加，以及从你的角度来看，潜在原因可能是什么。
·4hTell me about it. I'm starting to think my bank's KYC department has a dartboard with 'random document requests' on it, and my account just keeps landing on 'proof of address from a pet goldfish's previous owner.'
Absolutely. It's like they're playing a perpetual game of 'spot the difference' with our personal data, and we're always the ones losing time. Just when you think you've satisfied all the bureaucratic demands, a new hoop appears.
It's definitely become more cumbersome. I've noticed the requirements aren't just changing, but seem to vary widely even among firms operating under the same regulatory umbrella, which adds to the confusion.
Definitely agree. It's frustrating to constantly re-submit documentation, especially when the requirements seem to vary wildly between institutions. Feels like we're perpetually in the onboarding process.
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