Ukwazisa: Ummandla Omtsha Wobunqolobi

Ukwanda okukhawulezileyo kwemiqathango efihlakeleyo kunye nemali yamanani kulungise urhwebo lwehlabathi lonke, kunika isantya esingenakuthelekiswa nanto, ukufumaneka, kunye nexabiso eliphantsi. Kodwa ezi mpawu zinye ziye zatsala abadlali abanobundlobongela. Imibutho yamatherorbist, eyakhe yathembela kwiinkqubo zokudlulisa ixabiso elingacwangciswanga njenge-hayala okanye ii-arhente zemali, iphembelela izimali zemali ukuze ishenxise imali ngokujonge imida ngokuncinane. Ukungalingani kwemiqathango yebloko yokutshintshisana nokungalawulwa kwemiqathango kunye nobugcisa obulawula izinto zobuqu, kubangela ucelomngeni olukhulu lwamaziko alwa nolwaphulo-mthetho (FATFFFFF) kwiingxelo zayo zakutshanje, ukudityaniswa kooksitiki kunye nokusetyenziswa kobugrobi bokhuseleko oluntluntlukwano lwehlabathi lonke kwixesha langoku.

Isitsalane Sobugrogrisi

Ukungazazi Abantu Nokuzibiza

I-bitcoin kunye nezinye ii-cyptocurrenics ayiyilwanga ukuba ingabikho yaziwa ngokupheleleyo; isebenza kwimida yemali ephepheni. Noko ke, i-peactim yohlobo lwedilesi zemali. /imigca yabasebenzi be-alphanumeric amanani engadibaniselwanga kwi-lifa lendalo yokwenene-------inika umaleko wesifuba ongenakunikezelwa ngokwesithethe. Abarhwebi bee-grogrisi basebenzisa oku ngokukhupha iidilesi ezintsha zentengiselwano nganye, besebenzisa iinkonzo ezixubanisa imali evela kwimithombo emininzi, kwaye basebenzise imithetho engoonobumba efihlakeleyo yokufihla imibala emininzi. Iimali zemfihlo ezinje njenge Monero, Zcash, ne-Sfish zithatha okubheke phambili ngokungagqibekanga, umthumeli, umthumeli, kunye nohlaluso-o-ekhi-mali-ekhinto-etacin

Ufikelelo lwazwenibanzi ngaphandle kwezincedisi

Ngokungafaniyo nokudluliswa kocingo, okufuna iibhanki zomthotho-omtsha kunye nokuhlola, ukusetyenziswa kobuchule bokufihla intengiselwano kuhlala kufutshane nomntu oza kunqumla imida. Oku kuphelisa imfuneko yokusebenza phakathi kwamaqumrhu okuthembayo , oku kuluncedo olubalulekileyo kumaqela asebenza kwimimandla ejongene nolawulo olubuthathaka lwemali okanye kwiingingqi ezingquzulanayo apho izibonelelo zebhanki zitshatyala. Ukungaguquguquki komsebenzi womnatha wenethwesi zixhobo ze-bitcoin kuthetha ukuba akukho ncam enye yokusilela ukuba amagunya anokucinezelela okanye avalwe phantsi. Kwimibutho yabanqolobi, oku kuguqulela kumjelo wemali onamandla onamandla omelana nokukhutshwa nokuxhuzula.

Izithintelo Ezisezantsi Zokungena

Ukwenziwa kwemali efihlakeleyo esetyenziswayo. Esi sithintelo sisezantsi senza ukuba ifumaneke kwiiseli ezincinci kunye nabadlali bodwa, kungekuphela nje i-'i'''''''''''''''' s' s' inxuwa'. Akukho zimfuno zikhoyo zoqinisekiso kwimali engagcinwanga, kwaye imali ingafunyanwa ngemibambo yentengiso yoontanga- ukuya kwipesenti, amakhadi, okanye kwanakwi-personn sheetings's. Esi sithintelo sisezantsi senza ukuba ifikeleleke kwiiseli ezincinane kunye nabadlali abasodwa, kungekuphela kwemigxube emikhulu yemigxube. Iinkcaso zomqobo zemali zefemfo yonyaka ophezulu. [[FLT: 1]

Iityala zehlabathi lokwenene: Indlela amaqela obunqolobi aye ayisebenzisa ngayo iMaric

ISIS NeWeb Emnyama

Emva kokoyiswa kwelizwe eSyria nase Iraq, i-ISIS yatshintsha imisebenzi yayo yemali yamanani yasiwa kumajelo eenkqubo. Iingxelo ezivela kwiZizwe Ezimanyeneyo kunye nabaphengululi abazimeleyo zibhala indlela iqela eliziphakamisa ngayo imali ngezibongozo ze-intanethi, intlawulo yentlawulelo eBitcoin, kunye nokuthengiswa kwezinto zobuqhetseba zamanani e-Foctives. Kwimeko eyaziwayo, i-U.S. amagunya abamba izigidi nge-scripper enxulumene ne-ISS ekwakuxhaseni inkxaso e-IS. I-IS iqela likwazama nangemali yemali yemali eyimfihlo kunye nemigangatho ehloniphekileyo yokutshintshiselana izibheno. .S. Isebe le-U.UR. libonkelselse i-ocenti isebenzisa inkxaso ye-ISCSCP.

Al-Qaeda kunye nolungiso Lwayo

Abadlali abadityanisiweyo base-Al-Qaeda babonise ubuchule obukhoyo ngemivo ye currenication. Ngo-2020, umsebenzi ophindiweyo wokhuphiswano owenziwe ngobuchule wachitha uthungelwano lweBitcoin olusebenzisa iMiccoin ukulungiselela iminikelo kubalwani aba-al-Qaeda-aflifil e-Aramu. Umsebenzi ubalaselisa indlela ii-apps ezifihlakeleyo ezidityaniswe ngayo kunye needilesi ezidityanisiweyo ezidityanisiweyo kunye ne-spiration-mousesssss zemali ezikhuselekileyo zemali. Ngokufanayo, i-Al-Qassam Bringades (Hamas) ikhuphose iminikelo ye-Bintuin, kuphela kwimfini yobuqu emva kwemali emva kwentengo emva kokutshintshana emva koqhagamshelwano ezidityaniswe kwimityiso. Ezi meko zibonisa iimpahla zekati kunye ne-mongo yomthetho phakathi kwe-ogroyibhine.

Imikhosi ekhupha umkhosi ekwiqondo eliphezulu kunye neLene Acters

Ngaphaya kwamaqela e-jihadist, iqela elinobungangamsha elithe ngqo kunye nemibutho yabamhlophe efuna ukusetyenziswa kwemali eninzi, likwakhokelele ukusetyenziswa kweBhincoinstry. Ngo-2019, umhlaseli wecawa yecawa ye-Christcastry waxhasa umsebenzi wakhe ngenxalenye ngemirhumo engaqondakaliyo eyathi yadityaniswa nakade ingadityaniswa. IBase, iqela le-Nazi, laphakamisa imali nge-Bitcoin kunye neMonero ukuxhasa iinkampu zokuqeqesha kunye namaxabiso asebenzayo. Inkcubeko ehloniphekileyo kunye nenkcaso ecacileyo yenkcubeko yemiciso yemicitho engqubana neemfundiso ezichasene neemfundiso ezi-ziququ zalayidi, lenza isixhobo esifanelekileyo sokuxhasa iimfuno zazo.

Ucelomngeni Oluyintloko Lokujamelana Namagunya Alwa Nobunqolobi

Ukwenziwa kweNtloko kunye noBuntlola obuNciphisanayo

Ngokungafaniyo nemali yesithethe, apho iibhanki zisebenza njengabagcini-sango abalawulwayo, ii-createcchains ezilungelelanisiweyo ezisebenza ngaphandle kolawulo olusembindini. Ii-Transaction ziqiniswa ngama-node asasazwayo ehlabathini jikelele, ngokufuthi kumandla angekho mandla angeyomali i-anti-mali encinane yokufaka i-antinting (AML). Kwanaxa abasemagunyeni bebona idilesi yemali erhanelwayo, ukutyhafaza okanye ukuthatha ezo mali kudinga intsebenziswano kwilungu eliphethe izitshixo zabucala. Ukuba imali ayisebenzi ngaphandle kokuba isitshixo sabucala sibanjisiwe.

Ubuchule bokwandiswa kobumfihlo

Ugqatso lwezixhobo zezixhobo zobuchule kunye nobugcisa bobumfiliba luyakhula. [[FLT: 0] iingqekembe zemali zemali ze-athom njenge Monero ne Zcash zisebenzisa i-cypography ehambe phambili (umz., utyikityo, ubuchule bolwazi, ubuchule bokufihla uthengiso. Ngelinye ixesha ezinye iintengiso ziye zazisusa ezi ngqekeneyo ngenxa yoxinzelelo lolawulo, zihlala zikhona kwintengiso olufanelekileyo kunye novavanyo lontanga. Ukongeza, [[FLT.2] izisombululo-2] [[FLTLT:3] [g3] [umsebenzi othe k' othe kratya, kunye neenkonzo ezintsha. [FLT][FLT][5] [FFFFF]] [FT] [FFFF]]

Utshintshiselwano olungalawulwayo kunye nothungelwano loonobumba nolwePenter

Asikuko konke ukurhweba okufihlakeleyo okwenzeka kumaqonga alawulwayo. Iintengiso ezininzi zoontanga- eziya- kwipesenti (P2P) zivumela abasebenzisi ukuba bathenge baze bathengise isikhalazo ngqo ngaphandle kobungqina. Abarhwebi ba- transmist bayakwazi ukusebenzisa ezi ziteshi ukuguqula imali yasekuhlaleni ibe yi-coography kwaye ingabikho ngokuchaseneyo, ngokufuthi besebenzisa iindlela zokuhlawula ezingashiyiyo iphepha umkhondo (umz., amakhadi ahlawulweyo, imali ekhaselelwayo). IFATF incomela ukuba amazwe andise i-ML/TF izibophelelo ze P2P ezidluliselweyo, kodwa ukusebenza kusoloko kuhambelana.

Isantya nokuNgatshintshi

I-Cryptocurrency project igqibezela ngemizuzwana, ikhawuleza kakhulu kune ntshukumo zocingo zamazwe ngamazwe ezinokuthatha iintsuku. Esi santya, sidityaniswe nokungaphinde kuphinde kuvuleke, amagunya ashiya ixesha elisikelweyo lokungenela. Ngexesha intengiselwano ekrokrelekayo ichazwa kwaye ibhanana, imali sele ihambiswe ngeedilesi ezininzi kwaye ingenwa ngaphandle kwegunya elilawulayo elinolawulo olubuthathaka. Ubuchule obufutshane bengxowa yemali yamanani busetyenziswa kanye kwaye bulahlwe ekusebenziseni kwengxaki yokwakha i-trafiki.

Ukudibanisa Iinkqubo zobuGqwebedu nezixhobo

Ibloko yokulungisa nokubulala iintsholongwane

Amagosa agunyazisa umthetho afake imali eninzi kwiqonga elinokusetyenziswa kwizinto ezithintela ukutshintshana kwe-oyile ehamba ngemaphu kwaye achonge amaqoqo eedilesi ezilawulwa ngabasebenzi abangavumelekanga. Amaqumrhu afana ne-Chainalysis, i-Ciphertrace, kunye ne-Elliptic anikela ngezixhobo zokubonelela ngemali ekhoyo yehlabathi ngokuhlolisisa i-data esuka kwintengiso, i-OSINTH, kunye nebloko yokudibanisa ii-data zokuthengisa. Ezi zixhobo ziye zasetyenziswa ekususeni iinkqubo ze-grogrisi. Umzekelo, ukusetyenziswa kwemirhuqo yemali encinane ye-Bitcoin, eyaziwa ngokuba yidilesi ye-ISSIS-liny isoloko isanda ukutyhila zonke izikokelo zenkxaso. [[FLT] FFFF's kukhokelo lwempahla ye-oktrolitiki yexabiso lesizwe. [FFFF1]

Ukuhla kwemida elawulayo

Oorhulumente baye baqalisa ukusebenzisa izigunyaziso kunye nezenzo zolawulo ukuphazamisa inkxaso-mali esekelwe kubagrogrisi. Ukongeza, i-ofisi ye-U.S. yongezelele intabalala yeedilesi ezininzi ezifihlakeleyo ezinxulumene namaqela amaphekula kuluhlu lwawo, ngokunempumelelo ukuthintela i-U.S. abantu kunye nento ekhoyo ekuthubeni kunye nawo. Ukongeza, abalawuli banyanzelela ukutshintshisana ukuze basebenzise amandla olwazi oluqinileyo (KYCYC) imigaqo enxulumene noMthetho wohambo olumanyeneyo kunye nokusebenzisana noMthetho wokuhamba othelekisa ulwazi oluhambisana nomgangatho othile. I-European Union i-Union'stingstings kwiCrypto As-Aset (MCCA) kunye nenkqubo yolawulo loburhulumente wobuManyeneyo e-United Stateseveto isebenzisa imigaqo-mthetho e-egotyileegosa i-ogrona i-egosa i-egosa i-egosa i-egosa i-ogrome ngokusetyenziswa ngokusetyenziswa ngokusetyenziswa ngokusetyenziswa ngokusetyenziswa yi-

Ubuntlola Bokwenziwa Nezixeli-magama Ezithelekelelwayo

Imizekelo yezifundo zomatshini ilungiselelwe ukukhangela iindlela zokuthengiseka ngexesha lokwenene. Ngokuqeqeshwa ngogcino-lwazi lwembali olusuka kumatyala abanqolobi aziwayo, iinkqubo ze-Al zingamisa ii-anomalies , njengokusebenzisa iidilesi ezitsha ezithenjiweyo ezingekhoyo kwimbali edlulileyo, okanye iintengiselwano ezingaphantsi nje kwemiqobo. i-United Nations Offrest on Drugs and Crimes ixhasa iinkqubo zomqhubi wenqwelo-moya ezidibanisa i-AIP nolawulo lomntu oqwalathiselayo ukunyusa amaxabiso okufumana iimpahla zokwamkelelwa ngaphandle kwembali. Ezi zixhobo zibaluleke kakhulu njengemibhobho yorhwebo kwiziqobo.

Umanyano

Akukho mbutho mnye unokulwa nemeko yemali egunyazisiweyo yabanqolobi kuphela. Ulwabelano lolwazi phakathi kweqela leemali, ukutshintshiselana ngemali, kunye nee-blokochain aneslations zingqineke zichanile. EUnited States, iFiNCEN Exchange inceda ukuchaza ulwazi lokuzithandela phakathi komthetho onyanzeliswayo namagxamesi azimeleyo. I-ofisi yamapolisa yaseYurophu (Europol) iqhuba imisebenzi esetyenziswa rhoqo edibanisa abaphengululi, abatshutshisi, abatshutshisi, kunye neengcali zezoshishino zoshishino ukwabelana ngezixhobo eziseluntlukwano. Ezi zinhlangano zinceda zibone iindlela zokuqalisa ukusetyenziswa kwemali eluncedo (Defi) njengendlela yokusebenza ngokwemali yabucala.

Intsebenziswano Nemilinganiselo Yamazwe Ngamazwe

IFATF iyaqhubeka ikhokela imigudu yomhlaba wonke yokumisela imigangatho yezona zibonelelo zenkonzo zenyani (VASP). Ukuncomela kwayo okuhlaziyiweyo, okukhutshwe ngo-2020 kunye nokuhlaziywa ngamaxesha athile, kufuna amazwe ukuba afumane ilayisensi okanye abhalise i-VASP, anyanzelise i-AML/CTF izibophelelo, kwaye aqinisekise ukuba abelane ngolwazi lwabathengi ngaphaya kwemida. Noko ke, ukuthobela kuyahluka ngokubanziswa ngokubanzi. Amazwe anemiqathango yobugcisa okanye izilangazelelo zezoqoqosho ezikhuphisanayo maxa wambi ayasilela ukuzalisekisa imithetho ngokunelisayo. I-G20 kunye nezinye ii-omsflum ezidio ezidityaniswe ngobuninzi, kuquka nokuquka phakathi kwemithetho yempumathe-entshona neya.

Indima Yezixhobo Ezinyibilikayo Nedefi Kwindawo Egudileyo Yexesha Elizayo

Iintambo eziqinileyo: Ikrele elinomphetho ombini

Iziqhoboshi ezizinzileyo zinikwe i-feat currecies (umz., USDT, USDC) zinciphisa i-VCC eyenza iBitcoin ingabinomtsalane kakhulu ekugcineni ixabiso. Kwii-pinancins zabagrogrisi, iziqhoboshi zinika inzuzo yeyunithi eqinileyo yetyala ngexa zisazenza kube lula ukudluliswa kwe-frimenti. Noko ke, uninzi lwezikhonco zikhozo ezizinzileyo zisisiphekelele kwizinto ezilawulwayo (iTeter, isangqa) ezinokuqinisa iidilesi ukuba ziyanyanzelwa. Oku kudala incam entsha yokulawula, kodwa kusenzela ezo ndawo zisembindini. Iinqobo ezisezinziswayo ezisebenzisa iindlela ze-allthmic.

Imali ehlaziyiweyo (DeFi)

Imithetho elandelwayo yokusebenza yeDeFi isebenzisa amadamu athe tye, ukutshintshiselana ngemithetho-siseko, iibhulorho ezidityanisiweyo, ezisebenzisa i-asethi ngaphandle kwemida. Bavumela abasebenzisi ukuba batshintshise izinto zemali, bafumane ingeniso, okanye bathabathe iimali-mboleko besebenzisa ii-scredies, ngokufuthi ngaphandle kobungqina. Amaqela amaphekula angasebenzisa i DeFi anokuguqula isikhala esingekho mthethweni sibe zezinye izinto okanye ukutshintsha imvelaphi yemali ngezivumelwano ezininzi zemali. Imithetho esekelwe kwikhowudi kaDeFi ithetha ukuba nokokuba umthetho osemthethweni uvunyiweyo, ungasetyenziswa kwaye uphinde uthandwe kwimithetho eyahlukileyo. Ii-Regalleresss zisaggggggn ngendlela yokuphatha ngaphandle kokulungisa i-processoluted, kodwa ziquke nemigudu yokuqala ukuxhasa i-'iend'expoints.

Iintambo ezingenakuthintelwa (ii-NFT) kunye nezinye iiNovel Vectors

Ngeli xesha ingasetyenziswa kakhulu ukuxhasa imali yabanqolobi, ii-NFT nezinye izinto ezifumaneka ngamanani ezikhoyo kwivekta entsha. Zingasetyenziswa ekusebenziseni imali esetyenziswayo ukuthenga imali esetyenziswayo ngokuyifaka kwi-NFT ngeziphumo ezingekho mthethweni kwaye kamva zithengise kumthengisi ococekileyo (nexabiso elisusiweyo kwimixokelelwano yezemali. Njengoko i-etheminali ye-ethemical ekhoyo ingenayo, abagrogrisi baza kuhlola nabuphinananopheka obutsha obunika ulwelwelo kunye nokungasetyenziswa. Abaphathi be-Rhobethi-yo kufuneka bahlale phambi kwezi ndlela zokufumana iimpahla zokwamkelelwa kwasekuqaleni kunye nokusebenzisana noshishino noshishino.

Isiphelo: Ukulungelelanisa Ukukhululeka Nokhuseleko

Iminyaka yokuzifihla nokusebenzisa imali ifuna ukucingisiswa kweqhinga lokulwa nobunqolobi. Ukuvalwa komsebenzi wemali esetyenziswayo kungenamsebenzi. IBlanket ukuvalwa komsebenzi wezolawulo kusenokunyanzela ukuba abanqolobi baxhase inkxaso-mali engaphantsi komhlaba, kwimijelo engalawulwayo kunye nemali. Endaweni yoko, indlela elungelelanisiweyo edibanisa izakhiwo eziqinileyo, eziphuhlisiweyo, eziphuhlisiweyo, intsebenziswano yehlabathi, kunye nokusebenza kolwazi lwasekuhlaleni lwendawo ebhalelweyo kunika indlela engcono. Ubugcisa ngokwabo bungakukuba likrele elinamacala amabini azimeleyo: ukubonakala okungalawulekiyo okungaveliyo okungaveliyo okungaveliyo kunika ukugcinwa komthetho ngezixhobo ezingathethekiyo ze-data . Ukuba banezixhobo negunya lokuyisebenzisa. Njengoko izimali ziqhubeka nokuguqula ukhuseleko lwezentengoomatshini kufuneka zikwazi ukuguqula indlela yokhuseleko.