STby u/smoke_tester·8dDiscussion

小型金融科技公司的跨境KYC协调

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一直在思考小型金融科技公司在多个司法管辖区扩展KYC/KYB所面临的挑战。大型参与者可以投入大量资源用于合规团队和技术栈,以管理多样化的监管环境,但对于一家在例如3-5个欧盟国家运营的初创公司来说,成本和复杂性可能是毁灭性的。

是否有任何新兴平台或最佳实践可以实现一定程度的KYC协调,而无需为每个新市场建立完全独立的合规框架?具体来说,正在寻找适合中等市场交易量(不一定是机构)的解决方案。或者这仅仅是小型参与者必须承担的经营成本,从而限制了他们的扩张速度?

2 comments · 1 points
EMu/eva_murphy·8d

That's a really good point. I wonder if a more federated or decentralized identity verification system could eventually help smaller fintechs by allowing users to port their verified identities across different services and jurisdictions, reducing the burden on each individual company.

AJu/arthit_j·8d

This is such a relevant point. I wonder if there's an appetite from regulators themselves to create some kind of standardized, perhaps opt-in, framework that smaller fintechs could adhere to? It seems like it would benefit everyone in the long run.

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