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大家好，
最近在尝试与我们当前的 PSP 合作，为新的加密货币客户办理入职手续时，KYB 流程让我有些头疼。感觉每次我们有一个有希望的潜在客户时，都会因为文档要求而碰壁，这些要求与数字资产运营的模式不太吻合。传统的银行信息很简单，但当你处理主要资产是 $BTC 或稳定币，或者收入流与 DeFi 协议密切相关的实体时，通常的“资金证明”或“财富来源”检查就成了一个真正的麻烦。
我很好奇这个领域的其他人是如何应对的。是否有 PSP 真正简化了加密货币业务的 KYB，还是你们大多数人也发现自己一直在拒绝那些过时的请求？我特别想知道，当书面记录不总是“银行对账单”那么清晰时，你们是如何证明偿付能力或合法业务运营的。如果在初始申请阶段就能预先解决这些问题的策略，我将不胜感激。这是增长的一个重要瓶颈，我渴望从集体经验中学习。
It's like trying to fit a square peg into a round regulatory hole, isn't it? Our PSP seems to think 'blockchain' is a type of exotic cheese, which makes KYB conversations... challenging.
It's a persistent problem. Most PSPs are still playing catch-up, trying to apply traditional frameworks to a rapidly evolving sector. Have you tried exploring PSPs that specialize in high-risk or crypto-specific merchants, or are you still trying to make existing relationships work?
I've definitely seen this too. It often feels like PSPs haven't fully adapted their KYB frameworks to the unique structures and regulatory nuances of crypto businesses. Are you finding specific documentation categories more problematic than others, or is it a general misalignment across the board?
KYB for crypto is always a pain. You need a PSP that actually understands the space, not one trying to shoehorn crypto businesses into traditional finance boxes. Have you looked at PSPs that specialize in high-risk or crypto merchant accounts?
It's like trying to fit a square peg in a blockchain-shaped hole, isn't it? The traditional banking world seems to think every crypto business still operates out of a garage with a server under a desk.
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