Me yasa Haɗa zKYC (Kiyaye Sirrin KYC) cikin Farin Label ɗin Crypto Neo Bank App?

Kafin ka fara mamakin mataki na gaba na kiyaye sirrin zKYC, bari mu fara taimaka maka ka fahimci ainihin abin da yake a zahiri da kuma yadda yake canza cikakken fagen yanar gizo na fintech. KYC mai kiyaye sirri, wanda aka fi sani da zKYC, yana amfani da ɓoye sirrin da ba shi da ilimi don masu amfani su iya tabbatar da halayen asali ba tare da mika bayanan sirri na asali ba. Ga kamfanoni masu bankunan crypto neo na fari , wannan abin canzawa ne. Yana ci gaba da kasancewa cikin sauƙi da bin ƙa'ida yayin da yake rage haɗarin keta bayanai da fallasa ƙa'idoji sosai. Abokan ciniki suna samun iko akan takardun shaidarsu, kasuwanci suna rage yawan gogayya da farashin aiki na KYC, kuma masu kula da harkokin suna karɓar shaidun da za a iya tabbatarwa ba tare da raba bayanai da yawa ba. Yayin da Web3 ke tafiya zuwa takardun shaidar da za a iya tabbatarwa da kuma asalin ikon mallakar kai, haɗa zKYC a cikin bankin neo mai dacewa da crypto ba zaɓi bane. Tsarin ƙira ne wanda ke daidaita sirrin mai amfani, buƙatun doka, da ƙwarewar mai amfani mara matsala da abokan ciniki na kasuwanci ke tsammani daga mafita na bankin neo.

Kasuwar Yanzu: Yanayin Kiyaye Sirri da Shaidar Mutum

Kasuwar tantance asalin dijital da kuma tabbatar da tsare sirri tana canzawa daga bincike mai zurfi zuwa ɗaukar kasuwanci mai ma'ana. A shekarar 2024, an kiyasta cewa kasuwar mafita ta dijital ta kai dala biliyan 39.07 kuma ana sa ran za ta bunƙasa sosai a cikin shekaru goma masu zuwa, wanda ake sa ran buƙata don takaddun shaida masu aminci da za a iya sake amfani da su a fannonin kuɗi, gwamnati, da kasuwanci. A cikin wannan sararin, fasahar haɓaka sirri, waɗanda suka haɗa da shaidar sifili da kayan aiki masu alaƙa da aka yi amfani da su don zKYC, an kimanta su da kusan dala biliyan 3.12 a shekarar 2024 kuma ana hasashen za su faɗaɗa cikin sauri, tare da CAGR sama da kashi 20 cikin ɗari yayin da kamfanoni ke ɗaukar hanyoyin rage bayanai da tsare sirri ta hanyar ƙira.

Yarda da tsarin ba wai kawai ka'ida ba ce: manyan kamfanoni masu samar da ababen more rayuwa da bankuna masu ci gaba suna yin gwaji da jigilar hanyoyin samun takardar shaidar da za a iya tantancewa, kuma ayyuka kamar Polygon ID suna sanya takardun shaidar KYC masu ɗan gajeren lokaci, waɗanda za a iya tabbatarwa a matsayin kayan aikin da aka shirya don samarwa don shigar da tsarin, suna nuna canjin kuɗi daga bincike zuwa haɗin kai na aiki. A lokaci guda, fintechs na asali na Web3 da kamfanoni tare da dandamalin BaaS na musamman suna ƙaddamar da matukan jirgi kai tsaye da haɗin kai waɗanda ke haɗa tabbatar da sifili tare da layukan banki na yanzu don ba da damar yin amfani da onramps, bayar da kati da ayyukan KYC yayin da suke kiyaye bayanan mai amfani a sirri; waɗannan matukan jirgi suna nuna samfuran kasuwanci bayyanannu don zKYC a cikin ayyukan banki na gaske kuma suna nuna sha'awar da ke ƙaruwa daga abokan ciniki na kasuwanci da masu amfani da dillalai waɗanda ke neman kiyaye sirri, haɗin gwiwa mai sauƙi.

Fa'idodin Haɗa zKYC cikin Manhajar Bankin Crypto Neo ta Farar Lakabi

1. Ƙarfin sirri, ƙarancin alhaki - Masu amfani suna ajiye PII marasa amfani daga sabar ku yayin da kuke samun shaidar ɓoye bayanai cewa sun cika sharuɗɗan bincike. Wannan yana rage tasirin keta bayanan ku da kuma fallasa bin ƙa'idodi.
2. Ingantaccen juyi da ƙwarewar mai amfani - Takardun shaida masu sake amfani da su, waɗanda za a iya tabbatarwa suna nufin abokan ciniki ba sa maimaita cikakken KYC akan kowane abokin tarayya, suna rage gogayya da kuma ƙara yawan masu amfani da su a cikin kasuwancin.
3. Daidaitawar ƙa'ida tare da ƙarancin raba bayanai - zKYC yana bawa masu binciken kuɗi da ƙungiyoyin bin ƙa'idodi damar tabbatar da halayen da ake buƙata ba tare da ganin bayanan sirri na waje ba, yana taimakawa wajen daidaita sirri da wajibai na AML/KYC.
4. Ingantaccen farashi da sikelin aiki - Da zarar an bayar da takardun shaidar da za a iya tantancewa, sabunta KYC yana da sauri da rahusa, kuma masu bayar da takardun shaidar wasu na iya ɗaukar nauyin binciken takardu masu tsada.
5. Bambanci ga abokan cinikin kasuwanci - Ana bayar da zKYC akan dandalin bankin neo mai alamar farin-labelle ya zama hujja mai ƙarfi ta sayar da kasuwanci ga abokan ciniki waɗanda ke buƙatar garantin bin ƙa'idodi da sirri.
6. Haɗakarwa da tsarin kasuwanci - Takardun shaida masu ɗan gajeren lokaci da kuma waɗanda ake iya ɗauka a hannu suna ba da damar sabbin hanyoyin samun kuɗin shiga na B2B, kamar bayar da takardar shaidar aiki a matsayin sabis, tabbatar da wakilci, da kuma tsarin sabunta biyan kuɗi ga kowane mutum.

Babban Siffofin Maganin Banki na Farar Label Neo na ZKYC

• Tabbatar da takardar shaidar da za a iya tabbatarwa - Tallafi ga bayar da takardar shaidar da aka gina bisa blockchain ko DID da kuma kwararar tantancewa don shaidar da ba ta da ilimi.
• Bayyanawa da kuma hujjojin siffantawa na zaɓe - Masu amfani za su iya tabbatar da halaye guda ɗaya, misali, shekaru ko matsayin zama, ba tare da bayyana cikakkun takardu ba.
• Takardun shaida masu ɗan gajeren lokaci, masu sabuntawa - Takardun shaida waɗanda ke ƙarewa ko sabuntawa idan an buƙata don cika tagogi masu sabunta AML da kuma rage tsoffin shaidu.
• Gudanar da rawar mai bayarwa/mai tantancewa - A bayyana bambanci tsakanin masu bayar da KYC (masu samar da shaidar asali) da masu tantance sabis (bankin ku na neo da abokan hulɗa), tare da bin diddigin binciken kuɗi.
• SDKs da APIs don UX na asali - SDKs na wayar hannu da na yanar gizo waɗanda ke haɗa zKYC suna gudana cikin shigar da kaya, bayar da kati, fiat onramp, da ayyukan gata.
• Yarjejeniya da kuma kula da sirri - Allon amincewa a bayyane, hanyoyin sokewa, da kuma adana shaidu na gida don dacewa da ƙa'idodin sirri.
• Yanayin duba kuɗi na ƙa'ida - Rikodin da aka tabbatar da rashin inganci da kuma bayanan binciken kuɗi na zaɓaɓɓu ga ƙungiyoyin bin ƙa'idodi waɗanda ke buƙatar tabbatar da hanyoyin aiki ba tare da samun damar shiga PII ba.
• Haɗakarwa da ƙa'idodi - Tallafi ga Takaddun Shaidar W3C, DIDs, da manyan tarin ZKP don haɓaka dacewa da yanayin muhalli.
• Ingantaccen tsarin kula da maɓalli da dawo da su - Zaɓuɓɓukan riƙe maɓallan sirri irin na walat, haɗakar sarrafa maɓallan kasuwanci, da kuma hanyoyin dawo da su da aka wakilta.
• Gano zamba da siginar rashin daidaituwa - Haɗa shaidar zKYC tare da siginar halayya da kuma ƙimar haɗarin AI don gano asalin halitta ba tare da fallasa PII ba.

Siffofin Ci gaba na Manhajar Banking ta Neo ta Musamman tare da zKYC

1. Bayar da Katin Zare da Katin Zane na ZKYC

Cibiyoyin sadarwa na kati, katunan crypto na kama-da-wane, da kuma sarrafa kashe kuɗi suna da alaƙa da tabbatar da asalin wanda ba shi da ilimi, wanda ke tabbatar da bayar da shi nan take ba tare da fallasa takaddun shaidar da ba a san su ba . Wannan yana goyan bayan:

• gadoji masu sarka zuwa fiat spend
  iyakokin kashe kuɗi da za a iya tsarawa
• Daskare katin bisa ga AML-trigger ba tare da raba PII ba

2. Asusun Samun Kuɗi na Stablecoin tare da Cancanta ta Sirri

Masu amfani suna samun damar shirye-shiryen samun riba ne kawai bayan kammala duba sifofin zKYC (misali, zama, ikon yanki) ba tare da bayyana cikakken fasfo ko katin shaidar ƙasa ba.
Wannan yana kare masu kula yayin da yake ba da damar:

• Asusun riba na USDT, USDC, da EURC
• Ganuwa ga biyan kuɗi na yau da kullun ba tare da fallasa bayanan AML ba
• Kasancewar mai bin ƙa'ida bisa ga ikon mulki

3. Fasahar Kuɗi da Ba da Lada da ke Tuƙi ta AI

Ana tabbatar da masu ninka kuɗi da cancantar kamfen ta hanyar shaidar rashin sani don haka masu amfani sun cancanci kyaututtukan kati. ba tare da raba bayanai masu mahimmanci game da tattalin arziki da zamantakewa ba.
AI yana keɓancewa:

• tsabar kuɗi bisa ga rukuni (tafiya, mai, nishaɗi)
• Ƙarfafa aminci bisa ga rukunin amfani da ba a san su ba
• matakan lada da aka daidaita da haɗari ba tare da bayanin asali ba

4. Shigar da Takardar Shiga ta ZKYC

Ana tantance samun damar shiga ta hanyar tabbatar da asalin mutum ta hanyar tabbatar da waɗannan ka'idoji:

• shekaru, yanki, matatar ƙasa mai haɗari, siginar tushen kuɗi
  Ba a gabatar da cikakken fayil ɗin asali ga mai tabbatar da rajista ba.
  Wannan yana buɗewa:
• ETH, TRX, da MATIC
• dashboards na lada tare da bin ƙa'idodi marasa haɗari
• sake juyawa staking tare da tabbatar da fita bisa ga shaida

5. Teburin Musanya Kan Sarka tare da Bin Dokoki Bisa Ga Shaida

zKYC yana tabbatar da wanda ya cancanci musanyawa , ba takardun shaidarsa ba. Ya dace da:

• stablecoin ↔ fiat ramps
  Canje-canje tsakanin sarƙoƙi ta hanyar masu haɗa DEX
• shaidar shaidar dokar tafiya ba tare da bayyana fayilolin KYC ba

6. Wallet ɗin Taskar Stablecoin tare da Gudanar da Takardun Shaida na ZKYC

Tsarin kuɗi mai ɗorewa na kamfanoni da cibiyoyi (albashi, biyan kuɗi, wuraren tara kuɗaɗen katin) yana buƙatar shaidar shaidar aiki maimakon adana bayanan shaidar aiki. Ma'aikatar kuɗi tana samun:

• amincewar ma'amala mai kariya
• Mahalarta da aka tantance ta hanyar AML ba tare da adana fasfo ba
• binciken bin ƙa'idodi tare da tabbatar da shaida kawai

7. Tsarin Hadarin AI da ke Aiki akan Siginar Sigina Mara Ilimi

An horar da kimanta halaye kan tsarin tabbatar da ma'amala idan aka kwatanta da tsarin PII na asali.

• Halayyar Kuɗin da Aka Saba Amfani da Shi
• Matsalolin janyewar kwatsam
• Masu zamba ta katin a cikin iyakokin sirri-doka

8. Dawo da Kuɗi akan Kashe Kuɗin Stablecoin

Yayin da farashin stablecoin ke ƙaruwa, cashback da aka haɗa da kashe kuɗi na katin stablecoin yanzu yana ɗaya daga cikin mafi ƙarfin haɗin girma:

• Rage farashin 'yan kasuwa masu alaƙa da stablecoin
• Dabaru na cancantar lada ba na PII ba
• share wuraren aminci masu kiyaye sirri

9. Biyan Kuɗin Katin Kuɗi da yawa tare da zKYC

Canza Stablecoin zuwa fiat don kashe kuɗi ta atomatik yana tabbatar da amfani ta hanyar shaida:

• Fitowar fallasa sifili ta FX
• an tabbatar da sifofin asali ba tare da bayyana takardu ba
• tantance wurin zama na zaɓe don samun damar shiga hanyar haɗin kuɗi

10. Tsarin Haɗa Yawan Amfani da Kuɗi

Wannan shine sabon tsarin riƙewa:

• Kashe kuɗi ta hanyar kati yana haifar da maki
• maki suna canzawa kai tsaye zuwa masu ninka yawan amfanin ƙasa na stablecoin
• cancantar da takardun shaidar KYC kawai suka bayar

Koyaushe tabbatar da cewa kun haɗu da kamfanin haɓaka bankunan dijital da ya dace don samun duk fa'idodin cikin nasara kuma ku ƙaddamar da mafita mai dacewa da fasali a cikin wannan kasuwar Web3 mai gasa sosai.

Tunanin Rufewa

Yayin da tsarin kuɗi na dijital ke ci gaba da faɗaɗa, abu ɗaya yana ƙara bayyana: masu amfani suna son samun damar shiga ayyukan banki ba tare da jin an kalle su ba, an bayyana su, ko an fallasa su fiye da kima. Idan aka yi amfani da zKYC daidai, yana ba bankuna damar tabbatar da aminci ba tare da buƙatar kowane bayani game da asalin mutum ba, kuma wannan daidaito shine ainihin abin da abokan ciniki na zamani na crypto-assident ke amsawa.

Nan ne abokin hulɗar fasaha mai kyau ke kawo babban canji. Zaɓar kamfanin haɓaka bankin crypto mai launin fari wanda ya fahimci fasahar ɓoye bayanai da kuma yanayin bin ƙa'ida yana da mahimmanci. A Antier muna haɗa injiniyan blockchain mai zurfi, nazarin haɗarin da ke haifar da AI, tsarin walat da haɗin bankin neo don isar da mafita na zKYC masu canzawa waɗanda ke shirye don samarwa. Ƙungiyarmu tana gina kwararar takaddun shaida masu inganci, kula da maɓallan tsaro, da kuma na'urorin ɓoye bayanai waɗanda ke taimaka wa kamfanoni su aiwatar da tsare sirri ba tare da yin watsi da ƙa'idodin sarrafawa ba. Idan kuna son tsarin gwaji, tsarin haɗin kai ko taswirar ƙaura wanda aka tsara don tarin ku, za mu iya taimaka muku tsara da tura shi daga ƙarshe zuwa ƙarshe.