# Сопутствующие статьи по теме KYC

Новостной центр HTX предлагает последние статьи и углубленный анализ по "KYC", охватывающие рыночные тренды, новости проектов, развитие технологий и политику регулирования в криптоиндустрии.

Pouring Cold Water: Crypto Cards Might Have No Future

Crypto cards are merely a temporary solution to bridge cryptocurrency into mainstream adoption and global payments, but they fundamentally contradict core crypto values of decentralization and permissionless access. These cards are not true crypto products; they rely on traditional banking infrastructure (like Visa/Mastercard) and add abstraction layers that introduce extra fees, compliance risks, and centralization. They lack privacy, require KYC, and do not enable direct spending of cryptocurrencies like stablecoins or ETH. Instead, they convert crypto to fiat, reinforcing the existing financial gatekeepers. While useful short-term for user convenience, crypto cards are not the end goal. The future should enable direct crypto payments without intermediaries. Most crypto card companies simply white-label services from providers like Rain, rather than building innovative infrastructure. Notably, EtherFi offers a more crypto-native approach by using crypto as collateral for loans instead of selling assets, thus avoiding taxable events. In summary, crypto cards are a transitional tool that may eventually become obsolete as the industry moves towards truly decentralized, direct payment systems.

深潮12/13 03:24

Pouring Cold Water: Crypto Cards Might Have No Future

深潮12/13 03:24

Why Crypto Cards Are Doomed to Fail?

Crypto cards are a temporary solution designed to bridge traditional payment systems with the cryptocurrency world, but they are ultimately doomed to fail. They rely on centralized banking infrastructure, depend on compliance with traditional financial regulations, and lack the privacy and decentralization that are core to crypto values. These cards function as an abstraction layer, adding extra fees and complexity while still being controlled by entities like Visa or Mastercard. They do not replace traditional payment systems but instead reinforce them. Most crypto cards operate like liquidity bridges, converting crypto to fiat for spending, which incurs taxable events and additional costs. They also fail to provide true financial inclusivity, as users from restricted countries cannot access them, contradicting crypto’s ethos of equality. While companies continue developing crypto cards to lock users into their ecosystems (e.g., MetaMask using Linea), these efforts are largely superficial, relying on third-party services like Rain for infrastructure. The only model that aligns with crypto principles is EtherFi, which allows users to spend against crypto collateral without selling assets, avoiding taxable events and embodying a true DeFi-TradFi hybrid. Ultimately, crypto cards are a flawed transitional product, not a long-term innovation.

marsbit12/12 11:38

Why Crypto Cards Are Doomed to Fail?

marsbit12/12 11:38

"No Questions Asked, Cash Accepted": A Record of Cryptocurrency Street Trading in Montenegro

In Montenegro, cryptocurrency transactions operate in a regulatory vacuum, with unverified intermediaries facilitating anonymous cash-for-crypto exchanges on the streets of Podgorica. A BIRN investigation documented a typical transaction: 70 USDT swapped for €60 cash in minutes, with no questions asked about fund origins. These over-the-counter (OTC) deals, often arranged via Telegram groups, bypass banks and legal oversight. Blockchain analysis revealed one trader’s wallet handled millions in transactions over a year, with a quarter flagged as medium-to-high risk—including ties to frozen or sanctioned funds. Traders include locals and foreigners from Russia, Ukraine, and Turkey, who rely on cash exchanges due to banking access barriers. Despite 2025 anti-money laundering amendments requiring KYC checks for transactions over €1,000, enforcement remains absent. Montenegro’s EU-aligned crypto laws are pending, aiming to regulate service providers and enable tax oversight. For now, the gray market thrives, unregistered and unchecked.

marsbit12/10 04:46

"No Questions Asked, Cash Accepted": A Record of Cryptocurrency Street Trading in Montenegro

marsbit12/10 04:46

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