Unterschied zwischen KYC und „Identitätsprüfung“

[root_s2yse8vt]

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In einem der folgenden Threads hat jemand von Ledger behauptet, dass die Recovery-Funktion nicht KYC, sondern „Identitätsüberprüfung“ ist. Ehrlich gesagt kommt es mir so vor, als würde Ledger Haare spalten/mit Worten spielen.
Könnte mir jemand von Ledger bitte den Unterschied zwischen KYC und „Identitätsüberprüfung“ erklären?
Ich wünschte wirklich, Ledger hätte aus dem jüngsten PR-Debakel gelernt.
Ich warte auf eine Antwort und bin bereit, mich bei Ledger zu entschuldigen, wenn sich die beiden Konzepte wesentlich unterscheiden…

[Bervatos]

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Hi, I work in TradFi and routinely conduct KYC and ID verification for a living. KYC in my work means knowing who your customer is, at minimum being who they say that are by verifying ID. Meaning in the US, your name is related to your Social Security Number, your Government ID is legit and unexpired, your employment of record checks out, and your address, rent or own, is related to you. That is ID verification.

The next steps to KYC involve CDD/EDD, Customer due diligence or Enhanced due diligence. What is your source of income or wealth? (Employment, rental, investments, etc). Are you self employed? If so, in what business or industry? Are you a politically exposed person (PEP) or related to one? What is the purpose of your account?(savings, investments, personal household use). How much do you anticipate depositing per month? How much do you anticipate withdrawing per month?

This list of questions can be different at each company, exchange, or FI you work with. Depending on your situation they may ask more specific questions or even supporting documents. I.e. you say you gamble and that’s where your deposits come from. They may ask for you to provide a win/loss statement from the casino you gamble at.

So at it’s most basic form, ID verification means making sure that John Smith is actually John Smith, and not a stolen identity, or other fraudster.

KYC includes ID versification, but also aims to understand your expected relationship with the company so they may mitigate any risks you pose.

Hope that helps!

[loupiote2]

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You’ll have the answer to your question if you read the Recover white paper.

[https://github.com/LedgerHQ/recover-whitepaper/blob/main/Ledger%20Recover%20Technical%20White%20Paper.pdf](https://github.com/LedgerHQ/recover-whitepaper/blob/main/Ledger%20Recover%20Technical%20White%20Paper.pdf)

Identity verification will use Government-issued official documents that show the user first-name(s), last name, date of birth and place of birth.

The goal is to prevent hackers from pretending they are the Recover service user and asking for a recovery of the user seed (i.e. stealing their seed).

[userfakesuper]

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THey are both the same. Either one can be used in place of the other. I think you are „splitting hairs/playing with words“ here. Both require some kind of gov ID like a drivers license or a passport. You will be owing them an apology, so get ready.

[excel958]

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They’re largely the same but KYC is specific to banking and financial industry standards.

[[deleted]]

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KYC, petty government bullshit. Identity verification, KYC but not forced down your throat. Honestly, people that are in crypto are very much aware of the risk they are getting themselves into.

We don’t need the government to babysit. I understand having to verify identification, but having to re-identify every few months? My bank doesn’t even make me do that.

Plus, these KYC methods these exchanges/wallets implement is broken/half ass. Most of the time it doesn’t even work the first few times.

The most eggregious are the onces that make you input your SSN. That to me, is going TOO FUCKEN FAR. They already have our form of ID, can’t they do the foot work to actually identify us?!?

Just attempting to purchase a coin… comes with a lot of bullshit. Image grocery shopping, having to provide a shit ton of personal information just to leave with the goods you are wanting to purchase.

The government already got me and everyone for, all tax.

Income tax

Capital tax

and any other fucken name they want to tack onto tax. It’s my fucken money, I shouldn’t need to „verify my identity“ or give someone the heads up, just to buy some „monopoly money“ as they called it.

[[deleted]]

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It would be cool if you could go to a bank or other secure identity service and create a biometric hash that could be used as a key to anonymously verify you are you without revealing to anyone else who you are.

a zkSnark of identiy.

I am me but who i am doesn’t matter to anyone else, just that I can prove that I am me.

With that information then a service like recovery would be cool.

Hopefully the math wizards are way ahead of me on this idea.

[Autor]

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