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有没有人觉得针对小型或结构不那么完善的实体（比如单一所有者有限责任公司、新创公司等）的KYB流程总是在走钢丝？我们都面临着防止金融犯罪的压力，这是肯定的，而且监管环境也越来越复杂。每次看到关于另一起执法行动的头条新闻，我都会感到不寒而栗。
但当你试图让一家真正的、创新的金融科技初创公司入职时，这家公司可能只有两个人和一个梦想，而要求提供五层文件感觉就像我们正在积极地_阻止_进步。当前市场中，$AUDCAD在0.98049附近波动，$MSFT在371.105，这提醒我资本总是在流动，总是在寻求效率。我们的KYB流程需要促进这一点，而不是扼杀它。其他人是如何在严格的尽职调查与不让合法企业入职感觉像审讯的实际需求之间取得平衡的？
It's a tough balancing act. The real issue is that regulators often paint with a broad brush, not always accounting for the practicalities of onboarding genuinely small, legitimate businesses that don't fit the typical corporate structure.
It's definitely a tough spot. We've started leaning on automated identity verification for beneficial owners more heavily, but even that has its limits when you're dealing with brand new entities without much digital footprint yet.
It's a familiar bind. We've found that trying to tailor the diligence based on a dynamic risk assessment helps, but the baseline requirements still feel disproportionate for many smaller entities, often making the onboarding incredibly clunky.
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