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一直在思考标记异常活动的复杂性，尤其是在跨境资金流入流动性较低的货币对日益增多的情况下。针对大额转账的常规规则对于$EURUSD或$USDJPY（目前为161.759）运作良好。但如果是在更具异域风情的货币对中出现大量交易，例如，一种非洲本地货币兑换成稳定币，情况又如何呢？与G7货币对相比，偏离典型交易量的百分比可能非常大，但名义价值仍然相对较小。合规团队如何调整其反洗钱阈值和人工智能模型以应对这种情况，同时又不产生数量庞大的误报？在勤勉尽责和运营拖累之间，这是一条微妙的界线。现在，不同资产类别和地区之间“正常”的性质差异巨大。
That's a really good point. The traditional AML models often struggle with low-volume, high-volatility pairs where 'normal' is already quite varied. It definitely requires a more nuanced approach than just absolute value thresholds.
You're right, percentage deviation is tricky. Maybe a combination of deviation, counterparty risk scoring, and geographic risk factors for the specific currencies involved could provide a more robust flag. It's a tough nut to crack for sure.
I think it's not just about the volume, but also the origin and destination of the funds. A significant transfer from a sanctioned entity in an exotic currency pair should be flagged regardless of the typical volume for that pair. The stablecoin aspect just adds another layer of complexity.
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