數字化註冊認證
反洗錢及涉恐融資AML & CFT
旅行規則travel-rule
交易監控
監管報告
加密機構
金融機構标准的了解你的客户（KYC）检查需要获取身份证明（PoI）和地址证明（PoA）。企业请求PoI和PoA是为了建立用户身份，作为其反洗钱（AML）义务的一部分。接下来，我们将详细探讨地址证明的细节以及企业何时必须收集它。
什么是地址验证过程？
如果一个企业受到AML法规的约束，它们必须不仅验证用户身份，还要建立地址证明。这使得企业能够有效地阻止来自受限制司法管辖区的居民。
企业应何时验证用户的地址？
在大多数司法管辖区，地址验证是一项要求，有少数例外，如香港。这通常要求金融服务机构、金融科技公司、支付和电子货币机构，以及其他类似企业验证地址证明。因此，客户在注册这类服务或进行超过一定金额（通常由AML法律指定）的交易时，需要提供证明他们地址的文件。
*特定司法管辖区的国家AML法律包含了需要建立地址证明的AML义务企业的完整列表。
什么是地址证明？
地址证明（PoA）是证明用户确实居住在他们声称的地址的证据。传统的地址证明方法是收集需要手动或半手动审查的文件，如水电费账单或银行对账单。
什么可以作为地址证明？
以下是一些最常见的可作为有效地址证明的文件：
- 银行对账单
- 与房产相关的公用事业账单，如燃气、电力、水、互联网等
- 来自公认的公共权力机构或公务员/任何政府发出的通信
- 带有房东和租户签名的当前租赁协议
- 信用卡对账单
- 雇主提供的居住证明
- 房屋购买契约。
*对于1)和2)，常见的做法是拒绝接受超过3个月的地址证明文件。
替代的地址证明例子
如果一份文件包含一个地址，那么许多文件可以被接受作为有效的地址证明。这包括：
- 护照
- 身份证
- 驾驶执照
在一些司法管辖区，禁止使用同一份文件来证明身份和居住地。
如何检查地址证明
以下是手动验证地址证明的典型步骤：
仔细检查文件，查找出常见的图形编辑和其他类型的欺诈模式
检查文件是否有效（有效期可能根据司法管辖区的不同而有所不同）
确保文件上有该人的全名
检查文件是否包含用户声称的地址（越具体越好），并通过搜索引擎确认其存在。如果申请人居住在一栋公寓楼，但没有提供单元号，合规官员必须要求他们说明。
地址证明往往不容易获得，因为人们经常更换居住地。因此，企业可能需要花费一些时间和精力来获得用户的地址证明。
此外，一些地址证明文件没有安全标记或照片，因此很容易被伪造。此外，许多这类文件非标准化，可能需要额外的检查，这导致了更长的入职时间，从而导致了更低的通过率。
地理位置作为地址证明
地理位置数据作为地址证明可能是获取实物文件的方便且节省时间的替代方案。尽管监管机构尚未接受与传统的基于文件的方法平等的基于地理位置的地址证明解决方案，但企业仍可以在进行CDD/KYC过程中考虑这种补充手段。金融行动特别工作组（FATF）已经在其“数字身份指南”和“新技术对AML/CFT的机遇和挑战”中提到了基于地理位置的地址证明。
基于地理位置的解决方案可以使用多个数据点检测用户的位置：
- GPS数据
- IP数据
- Wi-Fi定位
- 移动电话基站三角测量。
在获取这种数据之前，企业必须获得用户的同意，以满足GDPR和其他数据隐私法的要求。
基于地理位置的地址证明在节省费用和防止欺诈方面非常有效。此外，它可以通过自动确定一个地址是否在被排除的国家列表内，加速验证过程。
通过使用平台的KYC/AML地理位置工具，简化地址证明验证并提高转化率。
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