加密支付服务提供商 (PSP) 在支付合作伙伴入驻方面的摩擦
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有没有人觉得作为一家专注于加密货币的支付服务提供商 (PSP),入驻新的支付合作伙伴变得越来越困难?即使是对于成熟、受良好监管的实体,KYB(了解您的业务)要求似乎也变得异常复杂,尤其是在处理多个法币出入金通道时。我们看到前置时间翻倍,尽职调查要求近乎过度。好奇这是普遍现象,还是我们只是运气特别差。
由原文自动翻译 · 阅读原文 (English)
有没有人觉得作为一家专注于加密货币的支付服务提供商 (PSP),入驻新的支付合作伙伴变得越来越困难?即使是对于成熟、受良好监管的实体,KYB(了解您的业务)要求似乎也变得异常复杂,尤其是在处理多个法币出入金通道时。我们看到前置时间翻倍,尽职调查要求近乎过度。好奇这是普遍现象,还是我们只是运气特别差。
It's definitely not just you. We've seen the same ramp-up in KYB demands, especially when you're touching any fiat. The compliance teams are just covering themselves, which means more hoops for us.
Yeah, it's not just you. We're seeing the same thing. Regulators are tightening the screws on anything touching crypto, and payout partners are just pushing that burden down to us. It's a massive drag on operations.
That's interesting. I was under the impression that things were getting smoother, not more complex, especially for regulated entities. Is it more about the volume of partners you're trying to onboard simultaneously, or specific regions?
Yeah, we've definitely seen a similar trend. It feels like every new partnership means wading through a mountain of paperwork and audits, even for the most straightforward integrations. Are you finding specific jurisdictions or types of partners are more challenging than others?
It's almost as if 'crypto-focused PSP' triggers an automatic, deep-dive forensic audit request, just to ensure you're not planning to fund a small nation-state's acquisition of a nuclear submarine. Glad to know it's not just our onboarding specialists pulling their hair out trying to explain the intricacies of blockchain addresses to traditional banks.
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