The KYC/AML dance is really annoying. The actual bad guys know exactly what they need to pass all the checks, while regular people, as in this case, often get caught in the wheels. Banks or fintechs rarely have the kind of investigative powers they would need to actually find the criminals using them, nor do they really want to spend their time playing police. So anything even remotely suspicious? You're now out of our risk appetite, bye.
For the actual criminals - if you're already doing crime, what's a little document forgery on top of that?
It's about time we accepted this fact and allowed money transfers, payments and banking to be neutral infrastructure.
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