网新恒天KYC数据交换平台，旨在为多家金融机构组建一个基于分布式账本技术（DLT）的联盟网络，帮助参与成员之间实现匿名地和安全地交换KYC数据及文档，该解决方案从欧洲起步，同时面向全球进行扩展。
& nbsp; & nbsp; & nbsp; & nbsp; & nbsp; NYC Data Exchange platform for new and constant days on the Web, designed to create a network of alliances based on distributed account book technology (DLT) for multiple financial institutions to facilitate anonymous and secure exchange of KYC data and documents between participating members, a solution that starts in Europe and is expanded globally.
KYC数据交换平台主旨
Key messages of the KYC data exchange platform
极大降低收集KYC文档的时间和金钱成本；
(b) Reducing significantly the time and financial cost of collecting KYC documents;
通过减少KYC流程中的交互数量来简化流程；
Simplify processes by reducing the number of interactions in the KYC process;
采用简单的文档评价机制提高KYC文档质量。
Improves the quality of KYC documents using simple document evaluation mechanisms.
平台概述
Overview of the Platform
在金融行业中，KYC文档对于控制及降低投资和反洗钱的风险非常重要。作为初次开户流程的一部分，减少KYC流程中客户的成本和负担已成为所有地区所有金融服务领域的重点关注领域。在传统的KYC流程中，由于交互多，耗时长，完成整个KYC流程可能需要1-3周甚至4周的时间。金融机构都希望加快KYC流程并降低成本，因此他们希望以一种安全和匿名的方式在彼此之间共享KYC文档。
& nbsp; & nbsp; & nbsp; & nbsp; & nbsp; in the financial sector, KYC files are important for controlling and reducing investment and anti-money laundering risks. As part of the initial opening process, reducing the costs and burdens of customers in KYC processes has become an area of focus in all areas of financial services. In traditional KYC processes, it may take one to three or even four weeks to complete the entire KYC process because of the time involved. Financial institutions want to speed up KYC processes and reduce costs, so they want to share KYC files with each other in a safe and anonymous manner.
为帮助解决上述问题，我们建立了基于区块链的KYC文档交换平台。该平台不会保存任何KYC文档，而仅在参与方之间提供安全的消息传递和交易记录，以及安全地交换KYC文档。所有交易都将记录在区块链中，任何参与方均可访问交易记录，但是每个参与方只能访问与其相关的交易。同时，该平台为参与方提供了简洁的用户界面和简单的接口，便于参与方之间的交互。任何文档都将以安全方式（使用请求者的公钥加密）和匿名方式（在传输过程中平台将移除KYC文档来源的任何信息）进行传输。
& nbsp; & nbsp; & nbsp; & nbsp; to help solve these problems, we have created a block-based KYC Document Exchange platform. The platform will not save any KYC documents, but will provide only secure messaging and transaction records between participants, as well as secure exchange of KYC documents. All transactions will be recorded in the block chain, but each participant will only have access to the transaction. At the same time, the platform provides participants with a simple user interface and a simple interface to facilitate interaction between participants. Any document will be transmitted in a secure way (using public key encryption for the requester) and anonymously (any information from which the platform removes KYC documents will be removed from the transmission process).
系统特性
System Features
KYC数据交换平台提供了可配置的功能及良好的用户操作界面，参与方可以进行搜索、购买和获取KYC文档，对于不合格的文档，还提供退回机制。
& nbsp; & nbsp; & nbsp; & nbsp; KYC data exchange platforms provide configured functionality and good user interfaces for participants to search, purchase and access KYC documents and provide a return mechanism for unqualified documents.
作为消息传递中心，KYC数据交换平台允许参与方之间交换KYC文档。所有交易和文档交换都通过KYC平台进行，任何两个参与方之间都不能直接交互。每个参与方还拥有一个用于搜索、购买和下载KYC文档的Web客户端，以及一个用于查看平台使用情况的自定义仪表板。平台注重考虑了文档交换的匿名性。
& nbsp; & nbsp; & nbsp; & nbsp; as a messaging centre, the KYC data exchange platform allows for the exchange of KYC documents between participants. All transactions and document exchanges take place through KYC platforms, without direct interaction between any of the two participants. Each participant also has a Web client to search, purchase and download KYC documents, and a custom dashboard to view the use of the platform.
KYC文档通过KYC数据交换平台传输，但是该平台无法访问和查看KYC内容，因为所有KYC文档都已通过行业标准非对称加密进行了加密。 在文档传输之前，KYC提供者将使用请求者的公钥对文档进行加密，只有KYC请求者才能使用其私钥解密文档。
& nbsp; & nbsp; & nbsp; & nbsp; KYC documents are transmitted through the KYC data exchange platform, but the platform is unable to access and view KYC content because all KYC documents are encrypted via industry standard asymmetric encryption. Before the document is transmitted, KYC providers will encrypt the document using the public key of the requester, and only KYC requesters can use their private key to decrypt the document.
系统优势
System Strengths
符合《通用数据保护条例》（EU-GDPR）要求；
Compliance with the requirements of the General Data Protection Ordinance (EU-GDPR);
交易记录保存在区块链中，参与方可以随时访问自己的交易历史记录，不仅提高了信任度，也降低了对账成本；
The record of the transaction is kept in the block chain and participants have ready access to their historical record of the transaction, which not only enhances trust but also reduces the cost of reconciliation;
降低机构执行KYC/AML的成本；
Reducing the cost of institutional implementation of KYC/AML;
改善投资者的KYC/AML体验；
Improving investors'KYC/AML experiences;
减少处理投资者文档时的交互；
Reducing interactions in the processing of investor files;
缩短收集所需KYC/AML文档的时间；
Reduction in the time required to collect KYC/AML documents;
加快销售及初次开户流程；
Speeding up the marketing and initial opening process;
不仅可以控制成本，同时也可以提高监管要求的质量和稳健性。
Not only can costs be controlled, but also the quality and robustness of regulatory requirements can be improved.
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