Top 7 Kamupene Legit Mo te Katoa-Whakaritea White-Tapanga Neo Peeke

Kua whakaaro kē koe he aha te mea ka puta ina tūtaki te kaha o DeFi ki ngā ara peeke tawhito? Whakaarohia he ao e hono ana te tokenization, ngā puna moni whakawhiti-rohe, me te tauine papa-2 i raro i te whakahaere DLT taumata-hinonga, ā, ka paahitia tonutia e koe ngā arotake KYC/AML me MiCA katoa me te angitu. Koinei te kupu whakaari o ngā tūāpapa peeke NEO ma : ngā hoahoanga modular e whakahaerehia ana e ngā API kirimana atamai, ngā miihini tutuki i te wā-tūturu, me te mahi tahi i runga i te mekameka/i waho o te mekameka. I roto i tēnei ruku hohonu, ka wetewetehia e mātou ngā paionia e whakahou ana i te peeke Web3, te hunga whai whakaaro nui ki te whakakotahi i te haumarutanga whakamunatanga me te pūkenga ture, me te tere ki te whakahou i roto i ngā taiao onepū mai i Singapore ki Switzerland. Kei te rite koe ki te tūhura i te mahere mō ngā peeke neo crypto kua whakahaeretia katoatia āpōpō?

Kia tīmata!

Top 7 White Tapanga Neo Kaiwhakarato Ratonga Peeke E tuku ana i nga Paerewa Whakaritea

1. Antier 

I whakatūria i te tau 2011, ā, kei te US tōna tari matua, kua tipu a Antier hei kaiārahi o te ao i roto i te Web3 neo-banking . Neke atu i te 700 ngā tohunga poraka mekameka, ka tukuna e Antier ngā anga ture mutunga-ki-mutunga tae atu ki te AML/KYC wā-tūturu, te aroturukitanga tauwhitinga, me ngā tiwhikete ISO 27001 me te PCI DSS.

Kei roto i tā rātou tūāpapa peeke moni mamati-hoa-tūturu ngā pēke moni IBAN-ā-ringa, ngā pūkete ka taea te whakarite, me ngā kōwae tuku kāri, he mea hanga katoa ki runga i te puranga ratonga moroiti mō te whakatinanatanga tere. Ko ngā raihana maha-mana a Antier, te Mauritius FSC VASP (VAITOS Act), te Estonian FIU VCSP (EU passporting), me te US FinCEN MSB—me te tautoko ture 24/7—kia whakarite kia whakarewahia e koe he taupānga peeke moni mamati kua raihana katoa, kua tutuki i ngā whakaritenga i ngā wāhi katoa o te ao. Mā tēnei huarahi ture-tuatahi ka whakaitihia te raruraru ture, ā, ka hanga whakawhirinaki ki ngā kaiwhakamahi mutunga mai i te rā tuatahi.

I whakatūria : 2011 | Te tari matua : Mohali, Punjab, Īnia

2. SDK.pūtea

I whakapumautia i te tau 2013, ka noho ki Prague, Czech Republic, SDK.finance (TechFin UAB) e tuku ana i te matua utu tapanga ma i hangaia mo te peeke matihiko teitei. Ko ta raatau huinga API taapiri e tautoko ana i nga putea mamati, neobanks, me nga putea kua whakauruhia, e taea ai te tere tere me te kore e hanga i nga reera turanga. Kei roto i te papaaapapa a SDK.finance nga hanganga hanganga ture, te kimi tinihanga, me nga whakataunga moni-maha, i tautokohia e te whakamarumaru tohu tohu a EU. Ko te tikanga o ta raatau arotahi ka taea e nga kaihoko te tiimata me nga putea me nga kaari, katahi ka taapiri i nga ahuatanga penei i te tuku moni, i nga putea penapena ranei i te wa e tipu haere ana te hiahia a nga kaiwhakamahi. Na te tekau tau o te R&D fintech, ka whakamanahia e SDK.finance nga tiimata me nga umanga ki te whakarahi i nga hua fintech puta noa i te ao i raro i te hoahoanga kotahitanga, kapua-maori.

I whakatūria : 2013 | Te tari matua : Prague, Czech Republic

3. Hinota 

Kua tere te whakatūnga a Synodus i a ia anō hei kamupene whakawhanake neo-bank mā-tohu iti . Neke atu i te 30 ngā kaupapa neo-bank e tukuna ana i roto i ngā tau e ono, ka whakakotahihia e tēnei ratonga neo-bank mā-tohu rongonui te tohungatanga peeke me te poraka mekameka hohonu ki te hanga i ngā tūāpapa ma-tohu kua taea te whakarite. Ka whakauruhia e ā rātou otinga te pupuri moni matihiko, ngā ratonga whakaū/whakakore, me ngā miihini hua DeFi i roto i te papatohu kotahi. Ko te USP a Synodus kei roto i ngā rerenga UX kua whakaritea me ngā kōwae kirimana atamai e hangai ana ki ngā hiahia waitohu me ngā ture o ia kiritaki, mai i te Ture Ratonga Utu ASEAN ki te MiCAR a te EU. Mā te whakanui i te whakaritenga, ka āwhina a Synodus i ngā pakihi fintech ki te wehewehe i ā rātou tuku hua me te whakawhanake tere i ngā āhuatanga i runga i ngā urupare a ngā kaiwhakamahi i te wā tūturu.

Whakapumautia : 2019 | HQ : Cau Giay, Hanoi, Vietnam

4. DashDevs 

He umanga pūmanawa hangarau pūtea a DashDevs, neke atu i te 15 tau o te tuku kaupapa ā-ao. He tino pai tēnei umanga whakawhanake taupānga peeke-hou crypto rongonui ki te whakauru i ngā matua peeke-hou me ngā ratonga tuatoru, ngā kaiwhakarato KYC, ngā kuwaha utu, me ngā pona poraka ki roto i ngā papaaho honohono, tutuki i ngā whakaritenga. Neke atu i te 100 ngā hua hangarau pūtea kua tukuna e ā rātou tīma whakawhanake kua whakamanahia e te ISO puta noa i te US, EU, me MENA, me te arotahi ki te mahi, te haumarutanga, me ngā wheako kaiwhakamahi maeneene. Ko ngā tuku whānui a DashDevs kei roto i ngā taupānga peeke pūkoro ritenga ki te pūmanawa peeke-hei-ratonga (BaaS) katoa, e tautokona ana e te QA pakari, ngā paipa DevSecOps, me te manatoko OIDC/OAuth2. Mā tēnei pūkenga whakauru ka tere ake te wā ki te mākete, ā, ka whakarite kia taea e ngā kiritaki hinonga te mono ratonga hou me te kore e hanga anō i ngā hanganga o nāianei.

I whakatūria : 2011 | HQ : Wilmington, Delaware, USA

5. Railsr

I whakatūria i te tau 2016, ā, kei Rānana, te tari matua, ko Railsr te tuatahi o ngā kaiwhakataki i te otinga Banking-as-a-Service (BaaS) i Ūropi. Mā te whakamahi i tētahi paparanga API kotahi, ka taea e RailsBank te tuku IBAN, ngā pūkete maha-moni, me ngā kāri mariko, ā-tinana rānei i roto i ngā meneti. Kei roto i tā rātou tūāpapa ngā ara moni matihiko kua whakauruhia, e āhei ai te whakaurunga ā-roto/ā-waho i raro i ngā raihana moni hiko PSD2 me FCA. Ka horapa te tapuwae o RailsBank puta noa i te ao mā roto i ngā hononga ASIC me MAS, ka waiho hei whiringa matua mā ngā kamupene hou e titiro ana ki ngā mākete o te UK, EU, me te APAC. Mā tā rātou tohungatanga whakawhanake otinga BaaS ka māmā ake te tutuki i ngā ture mā te whakauru i ngā mahi matua o te peeke, ka taea ai e ngā kiritaki te arotahi ki te auahatanga o mua me te whiwhi kiritaki.

I whakatūria : 2016 | HQ : Rānana, United Kingdom

6. Karakara 

Ka tukuna e Crassula tētahi tūāpapa SaaS peeke matua kua arotauhia mō ngā peeke wero me ngā kamupene hangarau pūtea e whakahohea ana e te moni matihiko. Neke atu i te 5 miriona ngā kaiwhakamahi mutunga e whakawhirinaki ana, ka tautoko te hoahoa ratonga moroiti a Crassula i te whakatinanatanga tere o ngā peeke hou, ngā ratonga utu, ngā kōwae FX, me ngā piriti moni matihiko. Kei roto i tā rātou tauira SaaS ngā tauira hanganga ture taumata-maha e hangai ana ki ngā paerewa GDPR, MiCA, me te FATF, e whakaiti ana i te uaua o te whakatūnga. Ko te arotahi ki te whirihoranga waehere-iti ka whakamana i ngā rōpū kore-hangarau ki te whakahaere i ngā mana whakahaere mōrearea, ngā ture pukapuka kaute, me ngā rerengamahi KYC mā tētahi papatohu whakahaere ngāwari-kaiwhakamahi. Ka whakaitihia e tēnei huarahi SaaS-tuatahi te CAPEX me te whakateretere i ngā wātaka haere-ora, ka pai ai a Crassula mō ngā kaiuru mākete e rapu ana i ngā mahi peeke me te moni matihiko pakari, hou-i-te-pouaka.

I whakatūria : 2015 | Te tari matua : Riga, Latvia

7. Mbanq 

He kamupene whakawhanake taupānga pēke-hou crypto matua a Mbanq e tuku ana i tētahi puranga hangarau pēke-whakawhiti mō ngā kaupapa pēke-hou o te ao. Kei roto i tā rātou tūāpapa kapua-taketake ngā ratonga whakawhiti-whakawhiti—te pēke matua, ngā kāri, ngā miihini tuku moni, me ngā whare pupuri crypto—e whakakotahihia ana e ngā kiritaki kia uru ki ngā ture ā-rohe. Mā te raihana moni-e EU a Mbanq (FIU Estonian) me te rēhitatanga MSB US ka taea te urutau puta noa i te 30+ mākete. Mā ngā kōwae matatau mō te AML/KYC, te whakahaere whakaaetanga (GDPR), me te karere ISO 20022 ka whakarite kia rite te hanganga ture. Mā tēnei hoahoa whakawhiti ka tere ake te whakarewatanga o te MVP me te tuku i ngā tāpiri āhuatanga iti—he pai mō ngā fintech e whanake ana mai i ngā tuku hua kotahi ki ngā pēke matihiko katoa.

I whakatūria : 2016 | Te tari matua : Naples, Florida, USA

Ko nga kamupene kua tohua hei tohu i te tihi o te whanaketanga neo-peeke tapanga ma; i whiriwhiria mo to ratou u tonu ki nga ture, nga hoahoanga tauineine, me te matauranga rohe whanui. Ka mahi tahi koe me enei rangatira kua tirotirohia, ka whiwhi koe i te tuara whai mana, kua rite mo nga ra kei te heke mai ka ngawari ki te whakawhiti i nga mana whakahaere.

Ko nga Rohe Puhou e Whakamana ana i te Whakawhanaketanga Peeke Crypto Neo-Pake

Kei te whakaaro koe kei hea te mahi tūturu e tupu ana i roto i te whenua whanaketanga o te neo-banking crypto ? Kei raro nei he wehewehenga o ngā whenua/rohe matua, pērā i a Ūropi, te Hononga o Amerika, Āhia, me ētahi atu, e hanga ana i te heke mai o te neo-banking crypto ma e tino whakahaeretia ana . Ka matapakihia ia rohe mai i te tirohanga whānui, e kapi ana i te take he rongonui, ko ēhea ngā whakahaere ture he mea nui, me pēhea tā rātou tautoko i te whakarewatanga o ngā tūāpapa neo-banking crypto e tutuki ana i ngā ture.

1. Europe

He aha i rongonui ai : Ko Ūropi te kaiārahi o te whakahaere ture me te MiCA (Mākete i roto i te Ture Rauemi Crypto)—te anga whānui rawa atu o te ao mō ngā rawa matihiko. Mā tēnei ka taea te uruwhenua puta noa i te EU, ka taea ai e tētahi peeke hou kua raihanahia i roto i tētahi whenua mema (pēnei i a Estonia, i a Malta rānei) te mahi puta noa i te EU katoa. Ka whai hua anō hoki a Ūropi i te GDPR mō te tūmataitinga raraunga kaha me te PSD2 mō ngā whakaurunga peeke tuwhera.

Ngā Rōpū Whakahaere Matua :

• Te Mana Haumaru me nga Maakete a Europi (ESMA)
• Mana Peke Pakeha (EBA)
• Angamahi MiCA (e whai hua ana 2024–2025)
• Ko nga kaiwhakahaere o te rohe penei i te BaFin (Germany), ACPR (France), MFSA (Malta), me FIU (Estonia)

Koki Pēke Hou : Ka taea e te pēke hou crypto i Ūropi te whakauru pai ki ngā ara fiat, te tuku pūkete IBAN, me te whakarewa i raro i te raihana whenua kotahi me te mahi ture ki ngā whenua katoa o te EU.

2. Te Hononga o Amerika

He aha te wera : Ahakoa te wehewehenga ture, kei te noho tonu te US hei maakete nui mo te hoko kaiwhakamahi me te whakawhirinakitanga umanga. Koia te kainga o nga puna whakapaipai nui rawa atu o nga umanga, a ko nga ture a te SEC, FinCEN, me te OCC kei te kaha ake te tautuhi i te paerewa o te ao. Ko nga rehitatanga MSB he ngawari, engari ka whakarewahia he ture white-label crypto neo-bank me whakatere i nga ture a te kawanatanga me te kawanatanga.

Ki te mohio atu mo >> He aha te wa tika ki te haumi i roto i te neobanking i te US?

Ngā Rōpū Whakahaere Matua :

• SEC (Securities and Exchange Commission) - mo nga tohu tohu
• FinCEN (Fancial Crimes Enforcement Network) – mo te rehitatanga MSB
• OCC (Office of the Comptroller of the Currency)- mo nga tutohinga putea mamati
• Ko nga kaiwhakahaere o te kawanatanga - hei tauira, New York BitLicense, California DFPI

Koki Pēke Hou : Kei te US te mana ture pakari, te hanganga pēke haumaru, me te whakapono nui ake ki ngā kaipupuri moni, engari me whai pūtea pai ngā kamupene hou kia taea ai te whakatere i ngā whakaritenga ture ā-rohe, ā-motu, ā-whenua.

3. Ahia

He aha i wera ai : He pūkaha hangarau a Āhia me ngā ture ahu whakamua i roto i ngā pokapū pēnei i a Hingaiapore, Hong Kong, me Hapani. Kei te whakauru ngā kāwanatanga i ngā tauira pouaka onepu me ngā ture hoa-moni matihiko hei kukume i ngā hangarau pūtea o te ao. Ko te urunga o ngā utu matihiko kei roto i ngā mea teitei rawa atu i te ao, ā, kei te piki haere te tono mō ngā otinga peeke neo hoa-moni matihiko e tutuki ana i ngā whakaritenga me te whakahaere katoa.

Ngā Rōpū Whakahaere Matua :

• MAS (Mana Moni o Singapore) - raihana PSA
• SFC & HKMA (Hong Kong) – VASP me te raihana stablecoin
• FSA (Japan) - mo nga tohu me nga ture whakawhiti
• SEBI/RBI (India) – e tipu haere ana i runga i te Tukutuku3

Koki Pēke Hou: Ka taea e ngā tūāpapa pēke hou mā-tohu i Āhia te whakamahi i te whakamahi waea pūkoro teitei, te pēke API-tuatahi, me te mahi tahi crypto-fiat i raro i ngā whakaaetanga ture haumaru, tere hoki.

4. Middle East

He aha i wera ai : Kei te tere haere te noho o te Middle East hei pokapū moni matihiko o te ao, e arahina ana e ngā anga takirua o te UAE (DIFC + ADGM). Me ngā whakatenatena taake, ngā ara kore utu, me ngā pouaka onepu tautokona e te kāwanatanga, kei te kaha te kukume a te rohe i ngā kaupapa peeke moni matihiko. Kei te whakarewahia hoki e Bahrain me Saudi Arabia ngā ture VASP hei whakataetae.

Ngā Rōpū Whakahaere Matua :

• DFSA (Dubai Financial Services Authority)
• FSRA (Maakete Ao o Abu Dhabi)
• UAE Central Bank - Anga VASP
• Bank Central o Bahrain

Koki Pēke-Nui : Mā ngā anga whakarewatanga kua rite ki te whakarewa i roto i ngā rohe kore utu pēnei i te DIFC me te ADGM ka taea te whakamātautau i ngā pūkete tohu, ngā pēke moni pumau, me ngā taupānga hangarau pūtea kua whakauruhia ki te KYC.

5. Awherika

He aha te mea e wera ai : Kei te kite a Āwherika i te pikinga o te pūtea pūkoro-tuatahi me ngā utu whakawhiti-rohe. Kei te whakatinanahia e ngā whenua pēnei i a Mauritius, Nigeria, me Āwherika ki te Tonga ngā anga VASP, e tuku ana i te māramatanga ture wawe. I te pikinga ake o ngā CBDC me ngā moni pumau i te rohe, kei te piki haere te hiahia mō ngā tūāpapa peeke hou kua whakaritea e hono ana i te pūtea tuku iho me te pūtea mamati.

Ngā Rōpū Whakahaere Matua :

• FSC (Mauritius) – Ture VAITOS
• CBN (Nigeria) – te tirotiro moni mamati
  FSCA (Awherika ki te Tonga) - rehitatanga kaiwhakarato crypto

Koki Pēke Hou : He nui ngā taupori kāore i te pēke, ā, he whakaurunga pūtea hoki e whakahaerehia ana e te poraka mekameka. He tino pai mō ngā otinga whakawhanake taupānga pēke hou e whakahaerehia ana e te moni pumau e tuku ana i ngā utunga moni me ngā hua penapena.

6. Amerika Latina

He aha i wera ai : Kei te tere haere te hurihanga o Amerika Latina hei wāhi wera mō te tango moni matihiko, nā te pikinga o te moni, te pikinga utu, me te kore whakawhirinaki ki ngā peeke tuku iho. Kei te whakauru a Brazil, Argentina, me Mexico i ngā ture matihiko me te tautoko i te whakamahinga o ngā moni matihiko me ngā ara peeke hou o te poraka mekameka . Ko te Peeke Matua o Brazil te kaihautū o ngā API pūtea tuwhera.

Ngā Rōpū Whakahaere Matua :

• Brazilian Central Bank (BACEN) – Tuwhera Moni
• CNV (Argentina) - te tirotiro crypto
• CNBV (Mexico) – Ture Fintech
  

Koki Pēke Hou : Kei Amerika Latina ngā whakamahinga tūturu o te mākete, ngā penapena i runga i te mekameka, ngā utu e ahu mai ana i te USDT, me ngā tuku moni, ā, ko ngā pakihi e whakarewa ana i ngā tūāpapa pēke hou e pai ana ki te moni matihiko kei te tere haere te huri hei hononga pūtea mā te hunga kāore i te peeke.

He aha te take o te whakaaro ki te rohe i mua i te haumi ki te peeke Neo Tapanga Ma?

I te hanga i tētahi tūāpapa peeke moni mamati hou , ehara i te mea ko te whiriwhiri i tētahi whenua anake te mea nui; engari ko te whakataurite ki ngā whai wāhitanga ā-rohe, te pumau o ngā ture, me te tono a ngā kaiwhakamahi. Anei te whakataurite o ia rohe:

• Tuatahi, he rereke te maaramatanga o te ture. Ko etahi o nga rohe e tuku ana i nga taiao pouaka kirikiri me nga raihana tere-tere, ko etahi ka whakatau i nga whakaaetanga roa, utu nui-ma te mohio ki te whenua ka penapena te wa me te tahua.
• Tuarua, he mea nui te pai o te maakete: Ko nga manakohanga a nga kaihoko mo nga pukoro waea, stablecoins, nga ahuatanga DeFi ranei he rereke mai i Ahia ki Uropi, na te whakahāngai i to papanga ki nga reka o te rohe ka akiakihia te whakatamarikitanga.
• Tuatoru, te pai o te whakahaere Ka whakawhirinaki ki nga hanganga: ka taea e nga reera utu, nga hononga putea, me nga anga taake te hanga, te pakaru ranei i to whakarewatanga.

Hei whakamutunga, ko te painga whakataetae ka puta mai i te mahi tahi me ngā mana whakahaere e kaha ana ki te rapu i te auahatanga hangarau pūtea—ko te wāhi e tere ake ai te tipu o ngā whakatenatena, ngā takoha, me ngā puna taranata. Mā te whakaaro ā-rohe ka taea e koe te hanga i tētahi taupānga peeke moni mamati e tutuki ana i ngā whakaritenga, e taea te whakawhanui, e tino rite ana hoki ki te mākete mai i te rā tuatahi.

Whiriwhiria te Mea Pai ki te Whakarewa i to Peeke Neo-Katoa Crypto

Kei te titiro ki te whakanui ake i to papanga crypto neo-peeke me te kore e taupatupatu me te kaha o te Web3? Ana, whiriwhiria te hoa whakawhanake peeke crypto neo pai mo to kaupapa e haere ake nei mai i te rarangi kua whakahuahia ake nei. Ko te tumanako ka awhina koe ki te whiriwhiri i te mea pai!

Kei te miharo koe he aha i eke ai a Antier ki runga i te raarangi? I Antier, ka honoa e matou nga raihana mana-maha (FSC Mauritius, Estonian FIU/EU uruwhenua, FinCEN US rehitatanga, MAS me DFSA hononga) me nga tiwhikete ISO 27001 & PCI DSS. Ko ta maatau miihini AML/KYC i roto i te whare, te tātari morearea matatau, me te aroturuki 24/7 ka taea e koe te whakarewa i nga ratonga putea crypto neo-pēke e tika ana ki roto i nga waahi wera—tere, haumaru, me nga mea kei te heke mai.