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最近我尝试与几家新的自营交易公司和支付服务提供商合作，感觉KYB（了解您的业务）流程变得异常严格，而且……更慢了。不仅仅是标准的公司文件；还深入调查受益所有权、资金来源等等。有一家公司要求提供公司本身而非仅仅董事的三个月银行对账单。考虑到监管环境，这在一定程度上可以理解，但因此增加的设置时间确实开始影响运营效率。这只是我的经验，还是其他人也看到了普遍的收紧，特别是那些希望扩大支付选项的自营交易公司或处理高风险分类的支付服务提供商？好奇其他人是如何应对这个摩擦点的。
Yeah, I've definitely noticed that too. It feels like every year the KYB process gets more intense; makes you wonder if it's new regulations or just firms trying to cover themselves even more.
Totally agree, it's like they've all decided to dial up the scrutiny. I had a similar experience with a PSP asking for way more than just the usual articles of incorporation. Makes you wonder if there's been some regulatory change that prompted it.
It's not just you. The regulatory environment has been tightening, and firms are pushing a lot of that due diligence burden onto the users. It slows everything down considerably.
Yeah, I've noticed the same. It feels like after a few of the high-profile blow-ups and regulatory crackdowns, everyone's tightened their belts considerably. It's a pain for onboarding, but I guess it's a sign of the times.
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