employee
The article examines the phenomenon of "labeled" cryptocurrencies – digital assets that were previously involved in illegal activities and therefore marked as "dirty" in the blockchain. The risks of accepting such assets as payment are indicated, including technical difficulties and legal consequences for the recipient. Modern cryptotransaction monitoring tools (Chainalysis, TRM Labs, Elliptic, etc.) are analyzed, with the help of which regulators, exchanges and users identify "dirty" coins. A practical algorithm is proposed for pre-checking cryptocurrencies for "purity" before concluding a transaction using open blockchain data and AML services. Special attention is paid to Russian realities: the lack of a full-fledged legal turnover of cryptocurrencies, increasing control over P2P transactions and planned sanctions for crypto payments within the country. In conclusion, conclusions and recommendations are formulated for businesses and individuals to minimize the risks associated with labeled cryptocurrencies.
labeled cryptocurrency, money laundering, compliance and AML, blockchain analytics, cryptocurrency risks, verification of crypto assets
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