Gina Tsarin Rarraba Kuɗi na Stablecoin don Tsarin Amurka da Latin Amurka

Yadda wani kamfani na fintech ya haɗu da Antier don ƙaddamar da wani dandamali na aika kuɗi mai ƙarfi ta hanyar tsabar kuɗi mai ɗorewa wanda ke ba da damar biyan kuɗi tsakanin Amurka da Latin Amurka cikin sauri da rahusa.

Yi magana da Masananmu

Duba yanayin bayan aikin a taƙaice

Tsare sirri

Confidential

Bayanan abokin ciniki an kare su a ƙarƙashin yarjejeniyar NDA mai sa hannu

duration

Jan 2024 - Yuni 2025

Watanni 18

Headquarters

Austin, Texas, Amurka

Yana aiki a kan hanyar Amurka-LATAM

Service

Ginawa Daga Ƙarshe Zuwa Ƙarshe

Shawarwari kan Blockchain · Dabarun Lasisi · Taswirar Samfura · Ci gaba

Faɗin haɗin gwiwa

A ƙarshen shekarar 2023, wani ɗan kasuwa na fintech wanda ya taɓa yin aiki a fannin banki na ƙasashen duniya ya tuntuɓi Antier da hangen nesa mai haske amma mai cike da buri: gina dandamalin aika kuɗi mai ƙarfi wanda aka tsara don yin hidima ga hanyar biyan kuɗi ta Amurka zuwa Latin Amurka mai yawan kuɗi.

Babban abin da aka fi mayar da hankali a kai shi ne al'ummomin bakin haure 'yan Mexico da Colombia a fadin Texas da Florida, inda ake yawan safarar kaya ta kan iyakoki amma tana da tsada.

Ayyukan aika kuɗi na gargajiya suna cajin kashi 5-7% a kowace ciniki, yayin da sasantawa galibi ke ɗaukar kwanaki biyu zuwa uku na kasuwanci. Abokin ciniki ya yi imanin cewa stablecoins na iya inganta wannan samfurin sosai ta hanyar ba da damar sasantawa nan take da kuma rage farashi sosai.

Manufar ta kasance mai ban sha'awa.

Abokin ciniki bai san cewa gudanar da dandamalin aika kuɗi na stablecoin a Amurka yana buƙatar rajistar FinCEN MSB a matakin tarayya da kuma lasisin aika kuɗi na mutum ɗaya (MTLs) a kowace jiha inda masu amfani ke cikin tsarin. Wannan binciken ya sake fasalin jadawalin aikin da kasafin kuɗi.

Duk da haka, yayin da abokin ciniki ya riga ya haɗa Delaware C-Corp kuma ya shirya takardar farko mai shafuka 40, wasu muhimman abubuwa da dama sun ɓace:

Tsarin dokoki don gudanar da dandamalin aika kuɗi tsakanin ƙasashe a Amurka

Tsarin fasaha mai iya daidaitawa wanda zai iya sarrafa yarjejeniyar da aka gina bisa blockchain

Tsarin bin ƙa'ida don sa ido kan AML da KYC

Jadawalin ci gaba na gaske da taswirar ƙaddamarwa

Da farko abokin ciniki ya yi kiyasin cewa za a iya ƙaddamar da dandamalin cikin watanni shida. Ɗaya daga cikin nauyin farko na Antier shine samar da taswirar hanya mai inganci don mayar da ra'ayin zuwa samfurin fintech mai dacewa da samarwa.

Shin kun riga kun yi tunanin samfurin canja wurin kuɗi na stablecoin?

Faɗa mana hanyar shiga. Za mu gaya muku abin da ginin yake ɗauka a zahiri

Samu Magana Nan take

Kalubalen Abokin ciniki

Amma mayar da wannan ra'ayin zuwa ainihin samfuri ba abu ne mai sauƙi ba kamar yadda ake ji. Dole ne a magance ƙalubale da dama na fasaha, ƙa'idoji, da kuma na aiki kafin a fara amfani da dandamalin.

Kuɗin da Aka Fi Tsada

Masu samar da kayayyaki na gargajiya suna karɓar kuɗin 5-7% don jigilar kaya zuwa ƙasashen waje.

Sannu a Hankali Sulhu

Sau da yawa ciniki yakan ɗauki kwanaki 2-3 na kasuwanci kafin a kammala shi.

Matsalolin tsari

Kaddamar da dandalin aika kuɗi yana buƙatar rajistar FinCEN da lasisin jiha.

Rukunin Kayan Aiki

Tsarin shugabanci, tsaro da bin ƙa'idodi suna tallafawa ɗaukar nauyin da ya dace na dogon lokaci.

Taswirar Tsarin Aiwatar da Aiki

Mataki na 1: Ganowa da Shawarwari

Janairu 2024 - Fabrairu 2024

Haɗin gwiwar ya fara ne da tsarin gano abubuwa da aka tsara don tabbatar da aikin a fannoni daban-daban na fasaha, ƙa'idoji, da kasuwanci. Antier ya gudanar da wani taron bita na kwana biyu tare da abokin ciniki don nazarin manufar farko da kuma gano haɗarin da ke tattare da hakan.

Rage girman fasali

Asalin ra'ayin ya haɗa da fasaloli da yawa na ci gaba:

Haɗin DeFi

Fitar da alamar shugabanci

APIs na biyan kuɗi na ɗan kasuwa

Shirye-shiryen bayar da lada ga aminci

Ayyukan aika kuɗi zuwa ƙasashen waje

An ba da shawarar Antier ya mayar da hankali kan Mataki na 1 kawai kan injin aika kuɗi na asali da walat ɗin mai amfani, tare da jinkirta ƙarin fasaloli har sai bayan an tabbatar da kasuwa. Wannan ya rage sarkakiyar dokoki da haɗarin ci gaba.

Gano Gibin Ka'idoji

Da farko abokin ciniki ya yi imanin cewa haɗa wani kamfani a Delaware zai ba da damar gudanar da ayyuka a duk faɗin ƙasar. Antier ya bayyana cewa gudanar da dandamalin aika kuɗi yana buƙatar:

Rijistar Kasuwancin Ayyukan Kuɗi na FinCEN (MSB)

Lasisin Mai Canja Kuɗi (MTLs) a kowace jiha ta aiki

Wannan binciken ya sake fasalin jadawalin aikin da dabarun bin ƙa'ida sosai.

Kayayyakin da za a iya bayarwa na Mataki na 1

A ƙarshen matakin gano, Antier ya gabatar da Rahoton Fitowar Shawarwari, wanda ya haɗa da:

Binciken rata na tsari

Shawarar samfurin Mataki na 1

Tsarin fasaha mai girma

Tsarin lokacin ci gaba da aka kiyasta

Dabarun bayar da lasisin da ke fifita muhimman jihohi

Wannan rahoton ya zama tsarin aiki na aikin.

Mataki na 2: Hanyar Dokoki da Lasisi

Maris 2024 - Yuli 2024

Ganin sarkakiyar dokokin biyan kuɗi na Amurka. Antier ya yi aiki tare da ƙwararren lauya mai kula da harkokin fintech don jagorantar tsarin lasisi.

Rijistar Tarayya

Mataki na farko shi ne yin rijistar kamfanin a matsayin Kasuwancin Ayyukan Kuɗi tare da FinCEN. An kammala aikin cikin makonni shida, wanda ya ba wa abokin ciniki damar kafa tushen bin ƙa'idodin tarayya da kuma fara haɓaka tsarin sa ido na AML.

Lasisin Jiha

Babban tushen mai amfani da abokin ciniki ya ta'allaka ne a cikin:

Texas

Florida

Illinois

Tsarin lasisin Texas ya buƙaci:

Bayanan kuɗi da aka duba

Dokokin tsarin kasuwanci

Lamunin garanti (adadin da aka ƙayyade ya dogara ne akan ƙimar ciniki da aka yi hasashen yi)

Bayyanar kuɗi na manyan jami'ai

Takardun shirin AML/KYC

Texas ta amince da lasisin a watan Satumba na 2024, sannan aka amince a Florida da Illinois daga baya a shekarar.

Shawarar Shiga Kasuwa Mai Dabaru

An dage tsarin BitLicense na New York da gangan saboda sarkakiyar da ke tattare da shi da kuma jadawalin bita na yau da kullun na watanni 12-24. Madadin haka, Antier ya ba da shawarar ƙaddamar da shi a Texas da Florida, inda tushen masu amfani da aka yi niyya ya fi ƙarfi.

Mataki na 3: Nazarin Kasuwanci da Makullin Faɗi

Afrilu 2024 - Yuni 2024

Yayin da ake duba aikace-aikacen lasisi, ƙungiyar Antier's Business Analysis ta gudanar da cikakken bita kan buƙatun da suka shafi:

Gudun mai amfani da dabaru na ma'amala

Haɗin kai na ɓangare na uku

Tsarin kwamitin gudanarwa

Tsarin aiki na sa ido kan bin ƙa'idodi

Bukatun kayayyakin more rayuwa da lokacin aiki

An gudanar da zaman buƙatu guda 14 da aka tsara.

Muhimman Shawarwari Kan Samfura

Abubuwan da za a iya bayarwa a Matakin BA

Matakin BA ya ƙare da:

Wani muhimmin tarihi na ci gaba

Bayanin Bukatun Software da Aka Sa hannu (SRS)

Labarun masu amfani 87 tare da ƙa'idodin karɓa

Mataki na 4: Ci gaba

Yuli 2024 - Fabrairu 2025

Ci gaban ya fara ne da ƙungiyar injiniyoyi 11 masu aiki iri-iri, waɗanda suka haɗa da masu haɓaka backend, injiniyoyin blockchain, masu haɓaka wayar hannu, ƙwararru a fannin gaba, da injiniyoyin DevOps.

Tawagar ta yi aikin ne a kan tseren da ya ɗauki tsawon makonni biyu, tare da yin gwaje-gwaje akai-akai ga abokin ciniki.

Platform Architecture

An gina tsarin ta amfani da tsarin ƙananan ayyuka wanda aka tsara don tallafawa haɓaka aiki da sa ido kan ƙa'idoji.

Tarihin Fasaha

Blockchain:

Baya::

Aikace-aikace ta hannu:

Dashboard Admin:

Bayanai:

Layer ɗin Ma'aji:

Harkokin Ginin:

Kalubalen Ci Gaba: Sake saita Gine-gine

Makonni uku da fara aiki, babban mai tsara fasahar blockchain na Antier ya gano haɗarin latency a cikin ƙirar kwangilar wayo ta farko. An sake fasalin tsarin ta amfani da adiresoshin da aka samo daga shirin Solana da dabarun escrow, wanda ya inganta amincin ma'amala. Sake fasalin ya ƙara kimanin makonni biyu ga jadawalin, amma ya hana manyan matsaloli yayin gwaji na gaba.

Jinkirin Haɗakar Wasu!

Haɗawa da mai samar da KYC ya ɗauki lokaci fiye da yadda ake tsammani saboda iyakokin ƙimar akwatin sandbox marasa takardu. An aiwatar da mafita ta caching don daidaita buƙatun tabbatarwa.

Mataki na 5: Binciken Tsaro da Tabbatar da Inganci

Maris 2025 - Afrilu 2025

Da zarar an kammala aikin, dandamalin ya shiga wani tsari na gwaji da kuma nazarin tsaro. Gwaji ya haɗa da:

Gwajin aiki

Rushewar gwaji

Tabbatar da yarda

Gwajin aiki

Wani kamfanin tsaro na ɓangare na uku ya gudanar da binciken kwangiloli mai wayo. Binciken ya gano babu wata matsala mai tsanani da kuma matsaloli biyu masu matsakaicin tsanani, duka sun warware cikin kwanaki biyar.

Sakamakon Ayyuka

Gwajin lodi ya tabbatar da cewa dandamalin zai iya aiki:

Ma'amaloli 150 a lokaci guda ba tare da raguwar jinkiri ba, wanda ya wuce buƙatar ƙaddamarwa da aka yi hasashen samu

Mataki na 6: Ƙaddamar da matukin jirgi

Iya 2025

An ƙaddamar da wani gwaji mai sarrafawa tare da masu amfani 500 da aka gayyata a faɗin Texas da Florida.

An fara saita iyakokin ma'amala a:

$ 500 a kowace ma'amala

$ 2,000 kowace wata

Aikin Matukin Jirgin Sama

A lokacin gwaji na makonni huɗu:

An gudanar da ma'amaloli 2,340

Adadin kuɗin da aka aika wa mutum $410,000

Matsakaicin lokacin daidaitawa: daƙiƙa 38

Matsakaicin kuɗin shiga: 1.2%

Masu samar da kuɗin da aka yi amfani da su a cikin wannan hanyar yawanci suna karɓar kashi 5-7% na kuɗin da aka yi amfani da su a kowane canja wuri.

Mataki na 7: Gabatarwar Gabatarwa ga Jama'a

Yuni 2025

An buɗe dandalin don yin rijistar jama'a a watan Yunin 2025, kimanin watanni 18 bayan matakin farko na gano abubuwa.

A cikin makonni biyu na farko:

An shigar da masu amfani 1,800 da aka tabbatar

An sarrafa ma'amaloli sama da $900,000

An Shirya Kowanne Mataki. Kowanne Mataki Niyya Ne. Naka ma zai iya zama haka.

Samu Magana Nan take

Takaitaccen Lokacin Aiki

Phase	Period	Maɓalli da za a iya isarwa
Ganowa da Shawarwari	Janairu 2024 - Fabrairu 2024	Nazarin ƙa'idoji da gine-gine
lasisin	Maris 2024 - Yuli 2024	Aikace-aikacen FinCEN MSB + MTL
business Analysis	Afrilu 2024 - Yuni 2024	SRS + tarihin dawowa
Development	Yuli 2024 - Fabrairu 2025	Gina dandamali
Tsaro na Tsaro	Maris 2025 - Afrilu 2025	Smart kwangila duba
Kaddamar da matukin jirgi	Iya 2025	Masu amfani 500, adadin $410K
Kaddamar da Jama'a	Yuni 2025	Masu amfani da 1,800

Sakamako da Ma'auni Masu Muhimmanci

18 months

Cikakken lokacin da aka yi alkawari

5FinCEN MSB + TX, FL, IL

Matsakaicin Kudin Ma'amala

1.2%

Matsakaicin kuɗin ma'amala

5-7%

Matsakaicin Kuɗin Masana'antu

~75%

Rage Kudin

38 seconds

Lokacin Zaure

1800+

Masu Amfani Bayan Shigarwa

$900000+

Juzu'i a Makonni Biyu na Farko

Rufe Tunani

Wannan aikin yana nuna gaskiyar gina kayayyakin more rayuwa na fintech da aka tsara. Ƙaddamar da dandamalin biyan kuɗi mai amfani da stablecoin ya ƙunshi fiye da haɓaka software. Bin ƙa'idodi, dabarun lasisi, ƙirar gine-gine, da shirye-shiryen aiki duk suna taka muhimmiyar rawa.

Aikin ba da shawara na farko na Antier ya zama mai matuƙar muhimmanci. Ta hanyar sake fasalta tsammanin abokin ciniki da kuma tsara taswirar hanya mai kyau ta dokoki da fasaha, ƙungiyar ta taimaka wajen sauya ra'ayi na farko zuwa dandamalin aika kuɗi na ƙetare iyaka wanda zai iya sarrafa ma'amaloli na gaske. Watanni goma sha takwas bayan matakin farko na gano, dandamalin ya ƙaddamar da nasarar kuma ya fara hidimar masu amfani da shi na farko a faɗin Amurka - Latin Amurka.

Fara tattaunawa da Antier

Haɗa kai da jagororin ba da shawara da injiniya don fadada canjin dijital ɗinku daga sake duba gine-gine zuwa ƙaddamar da samarwa.