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最近一直在思考入驻流程中日益增加的摩擦，特别是对于处理小额交易的金融科技公司。虽然反洗钱（AML）显然至关重要，没有人希望助长非法资金流动，但感觉在微交易的初始KYC负担方面，钟摆可能摆得有点太远了。我们是否正在看到一个收益递减点，即对低价值用户进行非常深入的KYC的成本/努力，实际上阻碍合法活动多于阻止重大不良行为？很好奇其他人是否也在应对这种紧张关系，以及你们是否找到了任何实用的解决方案，可以在不损害合规性的前提下简化流程。在用户体验和监管义务之间取得平衡是一个棘手的问题。
That's a really good point. It often feels like the same heavy-handed KYC processes are applied regardless of transaction size, which just doesn't make sense for small amounts. I wonder if a tiered approach could work, where simplified KYC is okay for micro-transactions up to a certain threshold.
Totally agree. It feels like we're approaching a point where the compliance burden starts to outweigh the potential revenue for smaller transactions, especially for new fintechs trying to innovate in that space.
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