针对小型、非传统支付流的AML合规性
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我正在尝试理解在处理小型、非传统支付流（例如游戏中的微支付或通过去中心化平台进行的支付）时，AML（反洗钱）要求。我看到的大多数详细指南似乎都面向大型金融机构和传统银行。如何在不完全扼杀创新或不过度负担这些非传统领域中非常小规模的运营商的情况下，有效应用“了解您的客户”和交易监控原则？
2 comments · 1 points
STu/set_trader_th
·4d
·4dThat's a tough one, especially with the volume of micro-transactions. I wonder if a risk-based approach focusing on aggregate activity over time, rather than individual tiny payments, could be an effective strategy for KYC here.
KKu/karimi_karim·3d
It's a tough spot. For micro-payments, you often have to rely more on aggregated behavioral patterns and network analytics than individual KYC for every tiny transaction. Full KYC on every $1 transfer is just not feasible or scalable.
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