Chiyambi: Chigaŵenga Cholamulira Dziko

Kuwonjezeka kwa ndalama zopitira kudziko lonse kwasinthanso malonda ndi za magetsi, kupereka liŵiro losayerekezereka, kupezeka, ndi kutsika kwa ndalama. Komabe mikhalidwe imodzimodziyi yakopa akanema anjiri. Mabungwe a uchigaŵenga, omwe adadalira pa madongosolo otumizira ndalama zamtengo wamwaŵi monga hayala kapena nthumwi zapathupi, akutembenukira kwambiri ku mabizinesi a makompyuta kuti asunthe ndalama ku malire ndi kuyang'anira pang'ono. Kuchuluka kwa zotsekereza zinthu zoyendera ndi zauchigaŵenga, kuphatikizapo kuchuluka kwa kusinthana kwa zinthu ndi maluso achinsinsi a zachinsinsi, kumachititsa chitokosokoso kutsutsana ndi magulu aupandu padziko lonse. Monga momwe magazini a Ficial Table Table Task Magement (FATFFF) akuchenjeza m'malipo ake, kuchuluka kwa zinthu zosokoneza ndi uchiganizo kubweretsa chitetezo chovuta kwambiri m'nthaŵi yamakono yamakono.

Chikoka cha Chipwirikiti cha Apandu

Kubisika ndi Kunama

Bitcoin ndi ma procypocrecin sanapangidwe kuti asakhale ndi dzina lonse; amagwira ntchito kwa anthu ogulitsa. Komabe, maadiresi a chikwama chachinsinsi cha maadiresi . Mizere ya zilembo za alphanumeric osalumikizidwa ku dziko lenileni . Zimapanga chinsinsi cha chobisika chimene chingathe kupereka. Oyendetsa zinthu zauchigawenga amagwiritsira ntchito zimenezi mwa kuyambitsa maadiresi atsopano a malonda alionse, kugwiritsa ntchito mautumiki ophatikiza ndalama zochokera ku mipukutira ku pulogalamu yosatsa malonda. Masheya achinsinsi onga Monero, Zcash, ndi Smash amatenganso zimenezi posainira ndi kutsegulira, olandira, ndi opanga mapepala ovuta kwambiri.

Kufika Padziko Lonse Popanda Mameseji

Mosiyana ndi kutumiza mawaya, kumene kumafuna mabanki olemba ndi kuyang'ana, mabizinesi otsatsa malonda amathetsa ausinkhu wanu kudutsa malire. Zimenezi zimathetsa kufunika kwa mameseji odalirika . Ndi phindu lalikulu kwa magulu ogwira ntchito m'madera osamalira ndalama mofooka kapena m'madera amene zitsutso za banki zimawonongedwa. Manesewero a bitcoin amachititsa kuti boma lizitse kapena kutseka.

Zopinga Zochepa za Kuloŵa

Kukhazikitsa chikwama cha ndalama zobisika kumafuna kokha kugwirizana kwa pa Intaneti ndi chipangizo. Palibe ziyeneretso zotsimikizira kaamba ka zikwama zosasunga, ndipo ndalama zingapezedwe kupyolera mwa kusinthana kwa ausinkhu wanu, makhadi, kapena ngakhale mwa personnal faces. Chopinga chaching'onochi chimachipangitsa kukhala chofikirika ku maselo aang'ono ndi oseŵera okha, osati migwirizano yaikulu yokha. Kufufuza kwaposachedwapa ndi kampani ya ma brenscycs Calinasis [1] Chionetsero chakuti uchigaŵenga chokhudzana, pamene kulibe kachigawo kakang'ono ka ntchito zachiweru, komakula m’chaka chakunja ndi chaka chathunthu.

Milandu Yapadziko Lonse: Mmene Zigawenga Zagwiritsira Ntchito Ndalama Zogwiritsa Ntchito Makompyuta

MAUNANSI A BAIBULO AMENE ANGAWERENGE

Pambuyo pa kugonjetsedwa kwake kwa malo ku Syria ndi Iraq, ISIS inasintha ntchito yake ya ndalama ndi kutumiza makompyuta. Malipoti ochokera ku United Nations ndi ofufuza odziimira okha amalemba mmene gululo linapangira ndalama kudzera pa Intaneti, ndalama zoombolera ku Bitcoin, ndi kugulitsa zinthu za magetsi zokopa. Pankhani imodzi yodziŵika bwino, U.S. adalanda mamiliyoni ambiri m'makampani ogwirizana ndi makampani a ISYS opereka ndalama. Gululo linayesanso ndi ndalama zachinsinsi ndi mapulatifomu osinthanitsirana ndi oyenerera kuti apeŵe zikole. U. . . Komiti ya . Komiti ya za UFLT:1] yathandiza anthu ndi mabungwe ogwirizana m'maseŵera ISYS.

Al-Qaeda ndi Kusintha Kwake

Al-Qaeda adasonyezanso luso la ma metary currenic . Mu 2020, ntchito yolimbana ndi zitsutso zambiri inazula chigwirizano chimene chinagwiritsira ntchito Bitucoin kuyendetsa zopereka kwa omenyana ndi Al-Qaeda-flifil ku Syria. Ntchitoyi inagogomezera mmene ma aplugalamu obisika ophatikiza pamodzi ndi ma khowudi obisika anapanga mapaipi otetezeka kuti apeze ndalama. Mofananamo, a a al-Qassam Brigades (Hamas) adapempha poyera zopereka zopereka kwa a Bithina, koma pambuyo pake kusinthana kwa ndalama kunayamba madipoti akuyamba kukambirana ndi maadiresi awo ozizira. Zochitika zimenezi zikusonyeza kuti mphati ndi mogwira ntchito pakati pa zigaŵenga ndi malamulo a zigawenga.

Ofufuza ndi Ochita Chilamulo Apadera

Kupyola magulu ajihadist, gulu la anthu onkitsa ndi oyera a kuyera lagwirizananso ndi mfundo zopeka. Mu 2019, m'milungu, woukira wa msikiti wa Christchurchin anachirikiza ntchito yake mwapang'ono mwa zopereka zosasinthika zimene zinali zosasinthika. Base, gulu latsopano la Nazi, linakweza ndalama kudzera ku Bitcoin ndi Monero kuti achirikize kuphunzitsidwa misasa ndi kugwiritsa ntchito. Mtundu wolemekezeka ndi wachinyengo wa Crypto umagwirizana ndi ziphunzitso zotsutsa magulu ameneŵa, kupangitsa kuti chikhale chida chabwino kaamba ka zosoŵa zawo za ndalama.

Mavuto Ofunika Kwambiri Olimbana ndi Maulamuliro Olimbana ndi Uchigaŵenga

Kusintha Zinthu ndi Kucholoŵana kwa Malingaliro

Mosiyana ndi ndalama zamwambo, kumene mabanki amatumikira monga osunga zipata oyang'aniridwa bwino, ma breatchain oferedwa ogwira ntchito popanda ulamuliro wapakati. Ma Transaction amavomerezedwa ndi ma nodes ogawiridwa kuzungulira dziko lonse, kaŵirikaŵiri m'zigawo zochepera zopanda ndalama zothandizira kuletsa kugwiritsa ntchito ndalama (AML). Ngakhale pamene akuluakulu a boma apeza kuti pali madiresi okayikira, kuzizira kapena kulanda ndalama zofunikira kugwirizana ndi gulu limene limakhala ndi makiyilo . Ngati chikwamacho sichili ndi udindo, ndalamazo zimakhalabe zosatheka kukafika pokhapokha ngati chinsinsi cha boma lakunja. Ntchito imeneyi imachititsa kuti likhale loletsa kuyendetsa ntchito.

Kugwiritsa Ntchito Njira Zobisa

Mpikisano wa zida zankhondo pakati pa zida zothandizira kudziŵira ndi maluso a zachinsinsi ukuwonjezereka. Ndalama zachitsulo zokhala ngati Monero ndi Zcash zimagwiritsa ntchito projectus yotchuka (m’ lekuatiso, sign , zitsimikiziro za chidziŵitso) zobisa malonda. Pamene kuli kwakuti kusinthana kwa ndalama zimenezi kwasintha chifukwa cha kutsendereza, kumakhalabe pa mapulatifomu oyenerera ndi ausinkhu wako. Kuphatikizapo, zothetsera mapangano [2] (g. g., Kuunika ndi [FLT]ct Netwoct] [F:]

Kusinthana Kosalamulidwa ndi Makina a Ausinkhu Wanu

Si malonda onse opeka amene amachitikira pa mapulatifomu oyang'anira. Masitolo ambiri a ausinkhu wawo amalola ogwiritsa ntchito kugula ndi kugulitsa mfuu popanda chitsimikizo. Apandu angagwiritse ntchito njira zimenezi kusintha ndalama za kumaloko kukhala zolira ndi zosiyana ndi zina, kaŵirikaŵiri kugwiritsa ntchito njira zolipirira zimene zimasiya pepala lisanayende (mphindi, makadi olipiridwa pasadakhale ndalama, ndalama zoyendera). FatF imalimbikitsa kuti mayiko awonjezere AML/TF ku P2P ndi kutumiza ndalama zosalembetsa , koma ntchito yopanga zinthu imakhalabe yogwirizana padziko lonse.

Kuthamanga ndi Kulephera Kusintha

Kutsatizana ndi makampani ogulitsa zinthu zosinthasintha zinthu kumakhala komaliza m'mphindi zingapo, mofulumira kwambiri kuposa kutumiza mawaya apadziko lonse kumene kungatenge masiku. Kuthamanga kumeneku, limodzi ndi kusasintha kwa zinthu komwe kunkachitika, kumasiya akuluakulu a boma ali ndi nthaŵi yochepa yochitira zinthu. Podzafika nthawi imene malonda okayikira apezedwa ndi kulembedwa, ndalamazo zakhala zikugulidwa kale ndi kugwiritsidwa ntchito m'malo osiyanasiyana ndipo zikhoza kuyendetsedwa ndi mphamvu zolamulira. Kusintha kwa makampani a magetsi a magetsi [1] Kugwiritsidwa ntchito kamodzi ndi kutayidwa kwa ndalama zokhoza kuimbidwa.

Kuyambitsa Zida ndi Zida Zolimbana ndi Uchigaŵenga

Kugwiritsa Ntchito Mankhwala Osokoneza Bongo

Mabungwe osungitsa malamulo agwiritsira ntchito kwambiri mapulatifomu otsegulira zinthu zamakono amene amadutsa ndi kutchula maadiresi ambiri olamulidwa ndi opanga chiwerewere. Makampani onga ngati Chainalysis, Ciphertray, ndi Elliptic amapereka ziwiya zimene zingapereke ndalama ku zinthu zenizeni zapadziko lapansi mwa kupenda masamu, OSINT, ndi bretchain metametametamenti. Zida zimenezi zakhala zikugwira ntchito kuchotsa njira za zigaŵenga za ndalama. Mwachitsanzo, kutumiza ndalama zaing'ono za Bitcoin ku kampani yodziŵika kuti ionjezera maakeyala ambiri ochirikiza. [FLT:] FATFFF's malangizo okonzedwa pa zinthu zooneka [FFF:1]

Kusweka ndi Kuyeretsa

Maboma ayamba kugwiritsira ntchito ziletso ndi maulamuliro kusokoneza ndalama zoyendetsera ntchito za zigaŵenga. Ofesi ya United States ya Asset Control (OFAC) yawonjezera maadiresi ambiri obisika ogwirizanitsidwa ndi magulu a zigaŵenga ku zidzudzulo zawo, kuletsa U.S. anthu ndi mabungwe omwe amasinthana nawo. Kuwonjezera apo, oyendetsa zinthu akukakamiza kusinthana kuti apange malamulo ogwirizana ndi luso lanu (KYCC) ndi kugwirizana ndi Lamulo la Frang’OOOO. Mabungwe a Ulaya akutsendetsa malonda odziŵira zinthu pamwamba pa chitseko china. Kuphatikizapo, mabizinesi a Crypto As (MCA) ndi malamulo a Ufumu wa United States akusintha malamulo a kuzungulira njira za kutsutsana ndi kuyendetsa malamulo a polisi a pirigawa.

Luso Lopanga ndi Zolosera

Mapikica a makina akukonzedwa kuti adziŵe masinthidwe okayikira panthaŵi yeniyeni. Mwa kuphunzira mbiri yakale kuchokera ku nkhani zodziŵika za ndalama za zigaŵenga, madongosolo a AI angamenyetse ma aomalie [1] monga ngati kutsekeka mofulumira kupyola m'zikwama zambiri, kugwiritsira ntchito maadiresi atsopano opanda mbiri yakale yogulitsidwa, kapena mabizinesi amene ali pansi pa masewero. United Nations Ofesi pa Mankhwala ndi Crime [1] Ndilo kuchirikiza maprogramu oyendetsa ndege amene amaphatikiza ndi ofufuza ndi ofufuza aumunthu kuwongolera zinthu pamene akuchepetsa zikalata zonyenga. Ziwirizo zimakhala zofunika monga mavoliyumu ogulitsa pa mabanki a anthu otchuka.

Kugwirizana kwa Onse

Palibe bungwe limodzi limene lingalimbane ndi kugwiritsidwa ntchito ndi zigaŵenga. Kugaŵana kwa makampani a zachuma, kusinthana kwa zinthu, ndi ma blockchain a alytics kwatsimikizira kukhala kowopsa. Ku United States, FiN Exchange imalola dala chidziŵitso chaufulu kugawana pakati pa kusungitsa lamulo ndi agulu lachinsinsi. Ofesi ya apolisi (Europol) imayendetsa makampani amene amasonkhanitsa pamodzi ofufuza, ozenga mlandu, ndi akatswiri a maindasitale kugawana nzeru. Makampani ameneŵa amathandiza kuzindikira njira zowonjezereka . Monga kugwiritsira ntchito ndalama za boma (Di) ku laundirensi . Pasachedwa

Kugwirizana ndi Malamulo a Padziko Lonse

FATF ikupitiriza kutsogolera kuyesayesa kwapadziko lonse kukhazikitsa miyezo ya opereka zinthu zamtengo wapatali (VASPs). Zopereka zake zokonzedwanso, zotulutsidwa mu 2020 ndi zokonzedwa nthaŵi ndi nthaŵi, zimafuna maiko kuvomereza kapena kulembetsa VASP, kukakamiza AML/CTF zikalata, ndi kutsimikizira kuti iwo agaŵana chidziŵitso cha wogula ku malire. Komabe, kugonjera kumasiyana kwakukulu. Maboma okhala ndi luso la zopangapanga kapena zolinga zachuma zimene nthaŵi zina zimalephera kugwiritsa ntchito bwino malamulo. Makiyiko a G20 ndi ena ogwirizana ndi mapulogalamu ambiri akusonkhezera kugwirizanitsa zinthu zambiri, kuphatikizapo madera a kumadera otsutsana ndi a ku madera a ku madera a kumadzulo.

Kulimba kwa Madzi ndi Defi M’tsogolo

Matabwa Olimba: Lupanga Lokhomedwa Kaŵiri

Makina opangidwa ndi zigaŵenga, amapatsa phindu la chigawo chosasintha cha auntaneti pamene akugwiritsabe ntchito kusamutsira zinthu. Komabe, mabaibulo ambiri a katangale ndi ogwirizana kwambiri ndi malamulo (Teter, Circle) amene angagwirizanitse maadirensi a zigaŵenga ngati akakamiza. Zimenezi zimapanga mfundo yatsopano ya kulamulira . Koma zamalonda okhazo zimene zimasungidwa pa mapulatifomu apakati. Mabaibulo ambiri ogwiritsa ntchito njira za malamulo (g. DHAI) n’zovuta kwambiri kuyang'ana zinthu zina zimene zingagwiritsiridwe ntchito popanga magalimoto.

Ndalama Zowonongedwa (Defi)

DeFi Programme . . . . . . imalola ogwiritsira ntchito kusintha zinthu, kupeza phindu, kapena kugula ngongole pogwiritsa ntchito mapangano ochenjera, kaŵirikaŵiri popanda kutsimikizira. Magulu a agandanga angagwiritsire ntchito DeFi kutembenuza dandaulo lachiwembu ku zinthu zina kapena kutumiza magwero a ndalama kudzera m'pangano lapamwamba. Malamulo a DeFi amatanthauza kuti ngakhale ngati malamulo avomerezedwa, angabwezedwe ndi kubwezedwa kuchokera ku bungwe lina. Oyendetsa zinthu adakali ogwirizana ndi mmene angayang'anira Defi popanda kukonza, koma amaphatikizapo zoyesayesa zoyambirira kuyendetsa malamulo apamwamba a KCY kuti agwirizanitse

Mabwato Opanda Malonda

Pamene kuli kwakuti sanagwiritsidwe ntchito mofala kaamba ka ndalama za zigaŵenga, NFT ndi zinthu zina zamakono zimene zikupezeka m'kachilombo. Zingagwiritsiridwe ntchito kugula ndalama zaluso zokhala ndi mankhwala . Kugula NFT ndi ndalama zosaloledwa ndi lamulo ndipo pambuyo pake kugulitsa kwa wogulayo . Ndi kusungira mtengo umene uli wosiyana ndi dongosolo la zachuma. Pamene zinthu zachilengedwe zamakono zikusintha, ofufuza a zigaŵenga adzafufuza luso latsopano limene limapatsa madzi ndi mphamvu. Maulamuliro a kachipangizo ka ka kapetoko ayenera kukhalabe patsogolo poyang'ana njira zothandizira ana a makolo awo ndi kugwirizana ndi maindasitale.

Kumaliza: Kulinganiza Kusintha ndi Chisungiko

Mbadwo wa kupeka ndi kugwiritsa ntchito ndalama zimafuna kuyang'ananso kwambiri njira yolimbana ndi uchigaŵenga. Blanket ziletso zoletsa kugwiritsa ntchito ndalama za zigaŵenga pochita zinthu mobisa. Zingakakamize kuti zikhale ndi ndalama zoyendetsera misewu ndi ndalama. M’malo mwake, njira yosavuta imene imaphatikiza ziwiya zoyendetsera, zoyendetsera ntchito, zoyendera mayiko, kugwirizana kwapadziko lonse, ndi kugawana kwa anthu pambali paokha kutsogolo. Zipangizo zamakono zingakhale lupanga lokhala ndi mphamvu yolimba kwambiri: kuwala komweko kumene kumavumbula kukhozanso kupereka malamulo ndi chuma chosayerekezereka cha zinthu . Ngati zili ndi zida ndi ulamuliro kuti zigwiritsire ntchito. Zidaletso zamakono zimafunikanso kusintha njira za chitetezo. Zidateronso kuti zikhale zovuta kuti aleke kuteteza anthu popanda ntchito bwino apadziko lonse lapansi.