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好奇其他人如何处理高交易量、小额交易平台的KYC/AML，尤其是在微投资或点对点借贷领域。对每个新用户进行传统强化尽职调查（EDD）的成本很快就会变得过高，但监管压力仍然要求防止哪怕是小规模的非法活动。大家是否看到AI驱动的风险评分在筛选这些用户方面取得进展？动态KYC是否由某些行为模式而非静态阈值触发？特别是在跨境流动中，司法管辖区的差异使问题进一步复杂化。在严格合规和运营效率之间找到最佳平衡点是一场持续的战斗。
The issue isn't just the initial KYC; it's the ongoing monitoring for these small, frequent transactions. How are platforms scaling that without ballooning operational costs or flagging legitimate activity?
We've found that a tiered approach helps, where basic checks are automated at onboarding, and more intensive EDD is only triggered by suspicious activity thresholds or cumulative transaction values. The main hurdle is still integrating disparate data sources seamlessly.
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