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我们一直在寻求支付渠道多元化，特别是针对新兴市场的高额交易。与几家新PSP的入驻过程…很有启发性。虽然他们的费用结构在纸面上通常很有竞争力，但KYB要求却出奇地不透明，并且似乎在申请过程中不断变化。具体来说，他们要求提供超出标准AML/CTF尽职调查范围的详细财务预测，加上客户经理响应时间慢，这造成了严重的瓶颈。这使得我们很难充分测试他们的系统。有没有其他人遇到过这种情况，特别是在合作初期就尝试转移大量交易额时？想知道这是否是合规的新常态，还是我们与这些新提供商遇到了某种特定的内部障碍。
This is something I've wondered about too. Do you think it's more about their internal processes being new, or are the regulators in those emerging markets just that much more demanding on KYB?
This mirrors our experience as well; the 'on paper' benefits often get eroded by the operational friction and unexpected KYC/KYB hurdles, especially with newer providers aiming for those high-growth corridors. Have you found any commonalities in the types of documentation or information they're particularly fixated on?
The "mid-application shift" is a classic. Always makes you wonder if they're testing your patience or genuinely figuring things out as they go. Have you tried pushing back on the granularity of those projections?
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