Hlala Phambili Emakethe Yokuhweba yaseSingapore engu-$900B ene-Compliant White-Label Crypto Neo Bank?

Wake wazibuza ukuthi i-ecosystem yezezimali yaseSingapore isebenzisa kanjani ubuchwepheshe obusezingeni eliphezulu kuyilapho igcina izindinganiso eziqinile zokulawula?

Esikhathini lapho isivinini nokuthobela kubeka impumelelo, i-MAS-label white-label crypto neo banking iguqula ukuhweba kwemingcele kubahwebi bendawo. Njengoba sonke sazi, i-Singapore isivele yasiqinisa isikhundla sayo njengesizinda esihamba phambili se-crypto e-Asia, ngobunikazi be-cryptocurrency obungaphezu kwama-26% okulindeleke ukuthi ngonyaka ka-2024—bukhuphuke busuka ku-24.4% wonyaka odlule. Lokhu kunyuka kugcizelela isidingo esikhulayo sengqalasizinda yezezimali yedijithali engenamthungo, evikelekile, futhi ethobelayo. 

Ukuhweba kwemingcele, okuyinkimbinkimbi ngokwemvelo ngenxa yezinhlobo zemali eziningi, iziphathimandla, nezimfuneko zokulawula, kufuna izixazululo ezintsha zamabhange ezikwazi ukuhlanganisa ubuchwepheshe be-blockchain, ukukhokha ngesikhathi sangempela, kanye ne-automation yokuthobelana. Uhlaka lokulawula lwe-MAS lwenza lokhu kube lula ngokwenza izikhungo zezezimali zikwazi ukutshala amamodeli e-crypto neo bank asezingeni eliphezulu kodwa athobelane ngokugcwele abhekana nezidingo eziyinkimbinkimbi zezimali zohwebo lwamazwe ngamazwe.

Kungani iSingapore Ishintshela Ebhange Ledijithali Kuphela?

Ukukhuphuka kweSingapore njengehabhu lebhange ledijithali akwenzekanga nje ngengozi—kuyimpendulo ehleliwe yokuguquka kokuziphatha kwabathengi, ukubona izinto kusengaphambili ezilawulayo, kanye nokuhlangana kwe-fintech. Ukuma kwe-Monetary Authority of Singapore kudale i-ecosystem eqhudelanayo nokho ezinzile lapho amabhange edijithali ekala khona ngaphandle kokuziphendulela ngokomzimba. Lawa mabhange ahlangabezana nezidingo zesivinini sokuthengiselana ze-Gen Z kanye nabahwebi beminyaka eyinkulungwane ngokususa izindleko zefa elisekelwe egatsheni kanye nokwamukela ingqalasizinda eyimodulayo, eqhutshwa yi-API.

Ngaphandle kwalokhu, isisekelo sabasebenzisi basebhange base-Singapore sibonise ukukhula okunamandla—kusuka ngaphansi kuka-500,000 ngo-2017 kuya ngaphezu kwezigidi ezingu-3.5 okuhloswe ngaso ngo-2028. Le ndlela eqhubekayo ayibonisi nje kuphela ukwamukelwa kwedijithali okusheshisiwe kodwa futhi i-pivot yamasu yesizwe ebheke esikhathini esizayo esingenagatsha, sobuchwepheshe.

Isixhumanisi somthombo: https://www.statista.com/outlook/fmo/banking/digital-banks/singapore

Ngaphandle kokulula, ukukhanga kwabo kusekunembileni—ukuxhumana kwezezimali okwenziwe ngokwezifiso kakhulu, ukuhlaziya ukusetshenziswa kwemali okuhlakaniphile, kanye nekhono elingenamkhawulo lokuwela imingcele. Noma kunjalo, ukugcina ukukhula phakathi kwemingcele ecindezelwe kanye nokuhambisana nomthetho okuyinkimbinkimbi kudinga ukusungula izinto ezintsha. Njengoba umkhakha wezohwebo waseSingapore uqinisa umkhondo wawo wedijithali, izixazululo ze-neo banking ezinobungani be-crypto ezihambisana nemiyalelo ye-MAS zilungele ukusebenza ukugeleza kwezezimali kwesikhathi sangempela—kuziguqula kusuka kwezinye izindlela zasebhange zibe yizinto eziyisisekelo zokuvuselela ezezimali zokuhweba.

I-MAS-Compliant White-Label Neo Bank For Cross Border Trade

I-ecosystem yezohwebo yase-Singapore - isizinda sokukhiqiza, izinto zikagesi, izimpahla, namasevisi - incike ezinkokhelweni ezisebenzayo eziwela imingcele. Nokho abaningi abathekelisa abancane nabangenisa kwamanye amazwe (isb., izinto zikagesi, ukukhiqizwa okunembayo, abangenisa ukudla kwamanye amazwe, nama-SME ezinsiza) badonsa kanzima ngamalayili okukhokha asesikhathini samanje. Le mikhakha esengozini ivamise ukubhekana nokusabalala kwe-FX okuphezulu, amabhange okuxhumana amaningi, kanye nokukhokhiswa kancane uma ukhokha phesheya.

Ucwaningo lwe-Mastercard luthole ukuthi ama-SME angu-6 kwangu-10 ase-Singapore enza izinkokhelo zamazwe ngamazwe ngohlelo lokusebenza, kodwa angu-36% abika izinkokhelo sekwephuzile noma ezihlulekile, kulimaza ikhono lawo lokukhokha abahlinzeki futhi kulimaze isithunzi. Ukudla kwesizini, abadayisi bezolimo, abakhiqizi abancane, ngisho nabafuduki abathumela imali ethunyelwayo bathola lezi ziteshi zendabuko zibiza futhi zingabonakali. Njengoba uMqondisi Ophethe we-MAS u-Ravi Menon ephawula, “isimo samanje sezinkokhelo eziwela imingcele…sihamba kancane, siyabiza, asiboni lutho, futhi asisebenzi kahle, sincike kuhleloxhumano lwakudala lwamabhange oxhumana nabo. ” Lokhu kulimaza ukwanda nokufakwa kwamabhizinisi amancane ekuhwebeni komhlaba. Masiqonde izinselelo zabadayisi ngokujulile.

Amaphuzu Obuhlungu Abahwebi baseSingapore Ezinkokhelweni Eziwela Umngcele 

Izingxabano eziyinhloko le mikhakha ebhekana nazo zihlanganisa:

• Ukukhokha kancane nokubambezeleka: Izinhlelo zendabuko zidinga amabhange amaningi kanye namaphasishi e-SWIFT. Ukudlulisa kungathatha izinsuku. U-Menon ugqamisa ukuthi amabhizinisi amancane nabasebenzi bokufika “bayizisulu ezibuhlungu kakhulu” zalokhu kubambezeleka.
• Izindleko eziphezulu kanye nokusabalala kwe-FX: Wonke umlobeli kanye namamaki asebhange anezela ezinkokhelweni. Ukuthumela imali emazweni omhlaba ngokuvamile kubiza isilinganiso esingu-6.4% yenani. Eqinisweni, ucwaningo olusha lulinganisela ukuthi ama-SMB aseSingaporean (namanye) alahlekelwe ~$800 wezigidigidi ezinkokhelweni zokukhokha zamazwe ngamazwe ezifihliwe ngo-2023. Amabhange nozakwethu nabo bavame ukufihla amamajini e-FX kumakhasimende.
• Ukucutshungulwa kwe-Opaque: Izinkampani azivamile ukwazi isimo sokudlulisa ngesikhathi sangempela. Ukungabi bikho obala kusho ukuthi ukubuyisana kwezinkokhelo kunzima. U-Wise uthole ukuthi u-82% wabaholi bamabhizinisi abakwethembi ukubonakala kwamabhange ngezimali ezikhokhwayo eziwela imingcele.
• Izithiyo zokulawula nokuhambisana: Amasheke okulwa nokushushumbiswa kwemali (AML) emingceleni angeza isikhathi nobunkimbinkimbi. Konke ukudlulisa kungase kudinge ukuhlolwa okwenziwa mathupha kwe-KYC/AML, kwehliswe ukuhweba okuncane.
• Ingozi yohlobo lwemali: Kubathengisi abangakwazi ukwamukela i-crypto, i-off-raping idinga ukuthengisa amathokheni ngamanani angaqinisekile futhi ukhokhe imali eyengeziwe. 

 Isidingo sikhona, kodwa ojantshi bamanje abawasebenziseli kahle!

I-MAS-Compliant White-Label Neo Bank Solutions Iyixazulula Kanjani Inkinga?

Amapulatifomu e-crypto neo-banking ahambisana ne-MAS abhekana nalezi zinkinga ngokwakha kabusha imigwaqo nge-blockchain kanye nokuthobela imithetho eyakhelwe ngaphakathi. Lawa mapulatifomu, anelayisensi ngaphansi koMthetho Wezinsizakalo Zokukhokha waseSingapore, anikeza ingqalasizinda ye-turnkey engase ibekwe uphawu ngamabhange noma ama-fintech. Ake sihlole ukuthi ikhambi lebhange elinobungani be-crypto eliqondene nawe libhekana kanjani nezinselelo ezikhona zabahwebi eSingapore-

• Ukuthobela Okudidiyelwe kanye ne-AML/KYC: Ngokuklama, lezi zinkundla zihlanganisa ukuthobelana okuzenzakalelayo. Ukungena komsebenzisi kuyidijithali, futhi izilawuli ze-AML/CTF zibhakwa kubhukwana. Isibonelo, i-XREX Singapore (umhlinzeki we-DPT onelayisensi ye-MAS) igcizelela “ukuzinikela kwayo okungantengantengi emazingeni aphezulu okuthobela okulawula”. Inkundla ingaphoqelela ukubikwa kwemithetho yokuvakasha ye-FATF futhi i-MAS KYC izihlole ngokuzenzakalelayo, igweme ukubanjwa ngesandla.
• I-Blockchain Settlement & Stablecoins: Izimali zenziwe amathokheni ku-chain (ngokuvamile kusetshenziswa ama-stablecoins asekelwa yi-USD). Okwenziwayo kuhambisa kontanga ku-blockchain, okuvumela ukutholakala okuseduze, okungu-24/7 kweqe imingcele. Azisekho izinsuku zokulinda zemilenze yomlobi abaningi - umphakeli angathola inkokhelo ngosuku olufanayo.
• Izimali Eziphansi kanye ne-Transparent FX: Ngoba ukudluliselwa kusebenzisa ama-crypto rails ontanga kuya kontanga, izimali eziningi zebhange ziyanyamalala. Amapulatifomu ngokuvamile akhokhisa imali eyodwa ephansi futhi aguqule ngezilinganiso ze-on-chain. Izinga lokuguqulwa ngalinye lokuhweba likhiyiwe futhi liyabonakala ngesikhathi sokuthenga, ngakho-ke akukho ukusabalala okufihliwe. 
• Ukwenza ngokwezifiso, Ingqalasizinda Ekalayo: Izixazululo ezinelebula elimhlophe ziza njenge-modular software. Amabhange endabuko noma ama-fintech amasha angakwazi ukuwaxhuma ngaphandle kokwakha kusukela ekuqaleni. Lokhu kusho ukuthi izikhungo zezezimali ezincane noma izinkundla zokuhweba zinganikeza ama-crypto rails ngaphandle kokuthuthukisa ubuchwepheshe bazo be-blockchain. Njengoba inothi elilodwa lemboni libonisa, i-Bitstamp "isebenzise imodeli yokushintshisana ye-crypto enelebula emhlophe" ukuze ivikele ngokushesha ilayisense ye-MAS futhi iqale ukukhonza ama-fintech wesifunda namabhange.
• I-Digital Onboarding kanye nokufinyelela okungu-24/7: I-Crypto izinhlelo zokusebenza ze-neo banking zisebenza ku-inthanethi ngamaphepha amancane. Abasebenzisi bangavula ama-akhawunti ngamaminithi futhi bathengise nganoma yisiphi isikhathi. Abathengisi abancane akusadingeki ukuthi bavakashele amagatsha noma bazulazule kumasistimu asuselwa ku-batch ahamba kancane. Isibonelo, izinkundla ze-neobank ezinelayisensi ye-MAS zivame ukufaka ukugibela okudijithali ngokugcwele, ukuze abahlinzeki baphesheya kwezilwandle bangangezwa futhi bakhokhwe ngokuchofoza okumbalwa.

Isoftware yasebhange ye-crypto esulwe ilebula emhlophe ye-MAS ixhuma abangenisa nabathumela ngaphandle ngokuqondile ngama-blockchain rails, isusa abaxhumanisi abaningi. Lawa mabhuloho avumela izimali zamathokheni (njenge-USDC noma i-USDT) zigeleze ngokushesha zisuka kumthumeli ziye kumamukeli, isinyathelo ngasinye sirekhodwa ku-chain. Empeleni, lezi zici zisho ukuthi izinkokhelo zohwebo zikhokha cishe ngokushesha njengokudluliswa kwasekhaya. Ukuthobela umthetho okuzenzakalelayo kusho ukubambezeleka okumbalwa. Futhi ngenxa yokuthi ama-stablecoins aguquleka kalula emalini yendawo, ngisho nabamukeli abafuna i-fiat bakhokhelwa ngaphandle komthungo ngosuku olulandelayo.

Sekukonke, kugunyazwe i-MAS isoftware ye-crypto neo banking ukuletha ngqo lokho uMenon akubiza ngokuthi: izinkokhelo “ezishibhile, ezisheshayo, ezingafihli lutho futhi ezihlanganisayo” eziwela imingcele.”

Izinzuzo Ezilinganisekayo nge-MAS-Compliant Crypto Neo Banking

Ingabe amabhizinisi okuhweba eSingapore akulungele ukucabanga kabusha ukuthi aphatha kanjani ukuhwebelana komhlaba wonke?

Ukuthobela i-MAS izixazululo zokuthuthukisa ibhange le-neo elinelebula elimhlophe zilungisa kabusha okulindelekile kwabahwebi ngemiphumela elinganisekayo—ukugibela ohambweni oluhlelekile, ukwenza ngokushesha ukuwela umngcele, amawalethi ashumekiwe, nokugeleza kweleja esobala. Lesi sakhiwo esisha sasebhange siletha izinzuzo zokusebenza ezilinganisekayo zalabo abasebenzisa ingqalasizinda elawulwayo kwezezimali zedijithali.

• 50–80% ukuncishiswa ngesikhathi sokukhokha emngceleni, ukusheshisa imijikelezo yohwebo.
• Okubalulekile izindleko zokonga ekudluliselweni kwamanye amazwe, ukuthuthukisa inzuzo esezingeni eliphansi.
• Stronger ukulawula imali, okuvumela ukutshalwa kabusha okusheshayo ekusebenzeni.
• Ingcuphe yokubambisana encishisiwe ngokuthengiselana okuqinisekisiwe, okulandelekayo kwe-crypto.
• Ukunciphisa ukusebenza, ukusika reco manualukuthokomala kanye nokubambezeleka kokuhambisana.
• Ithuthukisiwe isivinini ukuya emakethe, ukunika amandla ukuvalwa kwamadili ngokushesha ezimakethe zaphesheya.
• Ukucaca kokwenziwe okuphezulu kuthuthukisa ukulungela ukuhlolwa nokwethenjwa.
• Ukufinyelela kwesikhathi sangempela ekuxhaseni ngemali, enikeza amandla okusabela ngo-24/7 kwezohwebo emhlabeni jikelele.

Njengoba ezezimali zedijithali zithuthuka, umthelela wangempela womhlaba wesixazululo sebhange nge-crypto uba ongenakuphikwa. Okulandelayo, sihlola izifundo ezingokoqobo ezibonisa ukuthi izikhungo ezihamba phambili zisebenzisa kanjani izixazululo ezigunyazwe i-MAS ukuze kuguqulwe izinkokhelo zokuhwebelana emhlabeni jikelele.

Ama-USP angu-Core we-Antier's MAS-Compliant White Label Crytpo Neo Bank Suite

Inkundla yebhange ye-Antier's MAS-lebula emhlophe ye-crypto neo banking yakhelwe ukulinganisa, ukuthobela, kanye nokusungula izinto zezimali. Ngokusekelwa kwe-digital onboarding, ama-akhawunti emali eningi, amasango e-crypto-fiat, nokuhweba kwe-OTC, lesi sixazululo esiqinile sisiza i-fintechs nezikhungo ukuthi zihlangabezane nezindinganiso zokulawula ngenkathi iletha okuhlangenwe nakho kwebhange kwesizukulwane esilandelayo. Yonke imojula iyimodular, ivikelekile, futhi ilungiselelwe i-ecosystem yezezimali yase-Singapore.

Izifundo ze-Real-World Case 

"Ukwethenjwa kutholwa ngempumelelo efakazelwe."

Ngaphambi kokuzibophezela ekusungulweni okusha, amabhizinisi afuna imiphumela yangempela-futhi lezi zifundo eziyizimo ziyaletha. Lesi sigaba sethula izifundo zezwe langempela eziphoqelelayo zezixazululo zebhange ze-crypto neo ezinelayisensi ye-MAS eziguqula ukuhweba kwemingcele eSingapore.

1. Ibhange le-DBS :- 

I-DBS, ibhange elikhulu kunawo wonke eSingapore, ibihamba phambili ekusebenziseni ubuchwepheshe be-blockchain ukuze kube lula futhi kusheshiswe izinkokhelo zohwebo eziwela imingcele. Ibona inkimbinkimbi nokubambezeleka okukhona ezimalini zokuhweba zendabuko, i-DBS yethula inkundla yokuhweba esekwe ku-blockchain efaka izinhlamvu zezikweletu kudijithali futhi izenze ngokuzenzakalela izinkokhelo zokukhokha phakathi kwabangenisa kwamanye amazwe nabathumela ngaphandle.

Ibasiza kanjani abadayisi?

Inkundla inciphisa izikhathi zamaphepha nemvume, ivumela abahwebi ukuthi bathole ukufinyelela ngokushesha ezimalini futhi banciphise ukuchayeka ezingozini okubangelwa ukubambezeleka kokukhokha. Iphinde ihlanganise nezinhlobo zemali eziningi futhi iqinisekise ukuthotshelwa kwemithetho ye-MAS, ithuthukisa ukwethembana nokuvuleleka kwezindawo zokuhlala eziwela imingcele.

Umthelela: Abahwebi manje sebengakwazi ukwenza amadili aphesheya kwemingcele ngendlela ephumelela kakhulu, ngokuqinisekiswa kwedijithali kanye nokulandelela izinkokhelo ngesikhathi sangempela, ukunciphisa izinsuku zezikhathi zokuthengiselana kanye nokunciphisa izindleko zokusebenza.

2. I-Standard Chartered :-

I-Standard Chartered Singapore ibambisene ngenkuthalo namanye amabhange kanye nezinkampani ze-fintech ukwakha i-blockchain consortium egxile kwezezimali zokuhwebelana kwemingcele. Lesi sinyathelo sisebenzisa izinhlaka ezigunyazwe i-MAS ukuze kuvunyelwe ukukhokhelwa okuphephile, okusobala, nokuphazima kweso kwama-invoyisi ohwebo lwamazwe ngamazwe.

Ibasiza kanjani abadayisi?

Ngale nethiwekhi, abathumeli abavela kwamanye amazwe abazinze e-Singapore nabangenisa kwamanye amazwe bangafinyelela uxhaso ngokushesha nangezindleko eziphansi. Izinkontileka ezihlakaniphile zenza izingcuphe zokukhokha ngokuzenzakalela lapho kuthunyelwe isiqinisekiso, zinciphisa ukuthembela ezinqubweni ezenziwa mathupha futhi zinciphise ubungozi bokukhokha.

Umthelela: Izixazululo zezimali zokuhweba ezisebenzisa i-blockchain zebhange zikhulise uketshezi kanye nokusebenza kahle kwabahwebi, ikakhulukazi ama-SME, okwenza ukuhweba kwamazwe ngamazwe kube lula futhi kube nokuncintisana.

Lezi zibonelo zibonisa ukuthi amabhange aseSingapore ahamba phambili aseyivula kanjani indlela yokuchaza kabusha izinkokhelo zemingcele, aqondanise eduze namandla ezixazululo ze-crypto neo-banking ze-MAS-lebula ezimhlophe ukuze kuthuthukiswe ukusebenza kahle, ukuthobela, kanye nokusebenza kahle kwezindleko zomkhakha wokuhweba.

Thola Indawo Yakho ku-Crypto Boom yaseSingapore ngeQembu Le-Antier's Proven!

I-Antier iyinkampani edumile yokuthuthukiswa kwebhange le-neo elimhlophe elihlanganisa ubuchwepheshe obujulile bokulawula nobuchwepheshe obuthuthukisiwe be-blockchain, obuqhutshwa yithimba lochwepheshe abaqinisekisiwe abangochwepheshe bokuthobela imithetho kanye nokusungula izinto ezintsha ze-crypto. Izixazululo zabo ziqinisekisa ukunamathela okugcwele ezindinganisweni zomhlaba wonke—ngenkathi zisheshisa izikhathi ezisetshenziswa emakethe futhi zinciphisa izindleko. Ngomlando oqinisekisiwe wokuletha amapulatifomu ebhange le-neo le-crypto aphephile, angalinganiswa, futhi angenziwa ngezifiso, ithimba lethu lokuthuthukisa ibhange le-crypto linika amandla amabhizinisi ukuthi azulazule ezindaweni eziyinkimbinkimbi zokulawula ngokuzethemba.

• Yethula Ngokushesha Ezinsukwini Eziyisi-7 : Inkundla ethobelana ngokugcwele emavikini, hhayi izinyanga.
• Ukuphepha kwesigaba esiphezulu : Ukubethela kwezinga lezempi kanye nokuvikela kwe-DDoS.
• 24/7 Ukusekela : Isiqondiso sochwepheshe kanye nezibuyekezo zokulawula zesikhathi sangempela.
• Kuqiza kahle : Yonga kufika ku-55% uma kuqhathaniswa nokwakhiwa ngokwezifiso.
• Ukuhambisana nokuphela : I-MAS, i-PSA, i-AML, i-KYC, namazinga omhlaba ehlanganisiwe.

Ukuphumelela kwakho kwe-Singapore crypto kuyaqala manje. Hlanganyela ne-Antier futhi uguqule ithuba libe ukukhula okungavimbeki.