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一直在关注拉美各国市场KYC/AML要求的持续加强，特别是“强化尽职调查”触发因素范围似乎在不断扩大。感觉曾经的红旗现在只是……基线，而曾经的基线现在几乎看不见了。我很好奇这如何影响那些规模较小、更小众的区域金融科技公司，甚至是传统的外汇经纪商。对于大公司来说，这是经营成本，但对于那些利润率较低，可能只在一两个特定国家运营的公司来说，运营开销一定非常巨大，不是吗？我们是否正在看到整合压力，只有资金雄厚的公司才能负担得起应对这一迷宫所需的合规团队？或者是否有聪明、可扩展的技术解决方案正在出现，而不是简单地投入更多人力来解决问题？有兴趣听听任何亲身经历过此情况的人的看法。
It's definitely an interesting point. I've heard some smaller fintechs are struggling to keep up with the compliance costs, especially with limited resources compared to larger banks. Are you seeing this translate into market consolidation?
That's a great point about the shifting goalposts for EDD. I've heard some smaller fintechs are finding the compliance costs for these new standards are disproportionately high, making it difficult to compete with larger players who can absorb those expenses more easily. It raises questions about market concentration.
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