Travel Rule
FATF requirement bahwa VASP (Virtual Asset Service Provider) share customer info untuk transfer di atas threshold.
Penjelasan
Sobat Kripto, Travel Rule (FATF Recommendation 16) require Virtual Asset Service Provider (exchange, custodian) untuk collect dan share customer info saat transfer crypto melebihi threshold (typically 1.000 dolar). Mirror dari aturan banking tradisional untuk anti-money laundering. Implemented globally, termasuk Indonesia via Bappebti dan OJK.
Apa yang Di-share
Originator info: name, account number, address. Beneficiary info: name, account number. Transfer amount dan asset. Info di-share antara sending dan receiving VASP. Originally untuk wire transfer banking, di-extend ke crypto karena similar money laundering concern.
Implementasi
Solution provider: Notabene, TRP (Travel Rule Protocol), TRUST (Travel Rule Universal Solution Technology). Setiap VASP integrate dengan solution untuk share info compliant. Challenge: VASP coverage incomplete (smaller exchange might not implement), non-VASP wallet (self-custody) creates compliance gap.
Untuk Sobat Kripto
Saat withdraw crypto dari Tokocrypto atau exchange Indonesia ke exchange luar atau wallet pribadi: exchange sometimes ask for destination info (kalau ke external exchange, exchange info). Compliance dengan local regulation. Self-custody wallet transfer mostly tidak collect info (unhosted wallet). Tapi exchange semakin require info untuk amounts besar.