{"id":15231,"date":"2026-09-29T07:18:22","date_gmt":"2026-09-29T05:18:22","guid":{"rendered":"https:\/\/paucitas.com\/begrepp\/teknik-och-grundbegrepp\/kyc-och-aml\/"},"modified":"2026-10-01T03:35:57","modified_gmt":"2026-10-01T01:35:57","slug":"kyc-och-aml","status":"publish","type":"page","link":"https:\/\/paucitas.com\/se\/begrepp\/teknik-och-grundbegrepp\/kyc-och-aml\/","title":{"rendered":"KYC och AML"},"content":{"rendered":"<style>.pterm{max-width:880px;margin:0 auto;font-family:inherit;padding-top:30px;}.pterm-hero{background:linear-gradient(135deg,#1a1a2e,#2d2d4a);border-radius:18px;padding:30px 34px;margin-bottom:28px;display:flex;align-items:center;gap:18px;flex-wrap:wrap;}.pterm-hero .ph-ico{width:56px;height:56px;border-radius:13px;background:rgba(245,135,31,.16);display:flex;align-items:center;justify-content:center;flex-shrink:0;}.pterm-hero h1{color:#fff;font-size:1.9em;margin:0;line-height:1.2;}.pterm-block{margin-bottom:24px;}.pterm-block h2{color:#1a1a2e;font-size:1.25em;margin:0 0 10px;}.pterm-def{background:#fff;border-left:4px solid #f5871f;border-radius:0 12px 12px 0;padding:18px 22px;color:#444;line-height:1.7;box-shadow:0 2px 10px rgba(0,0,0,.04);}.pterm-p{color:#444;line-height:1.7;margin:0 0 14px;}.pterm-ex{background:#fff7ef;border-radius:12px;padding:18px 22px;color:#5a4630;line-height:1.7;}.pterm-ex .lbl{display:inline-block;font-size:.72em;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#f5871f;margin-bottom:6px;}.pterm-see{background:#fff;border:1px solid #eee;border-radius:12px;padding:16px 20px;margin-top:30px;}.pterm-see .lbl{font-weight:700;color:#1a1a2e;margin-bottom:6px;display:block;}.pterm-see a{color:#f5871f;text-decoration:none;font-weight:600;}.pterm a{color:#f5871f;font-weight:600;}<\/style>\n<p><a class=\"pterm-back\" href=\"https:\/\/paucitas.com\/se\/begrepp\/teknik-och-grundbegrepp\/\" style=\"display:inline-flex;align-items:center;gap:8px;margin:0 0 18px;padding:9px 16px;background:#fff7ee;border:1px solid #f3d9b8;border-radius:999px;color:#e08a1e;font-weight:600;text-decoration:none;\"><span style=\"font-size:18px;line-height:1;\">\u2190<\/span><span>Tillbaka till teknik och grundbegrepp<\/span><\/a><\/p>\n<div class=\"pterm\">\n<div class=\"pterm-hero\">\n<div class=\"ph-ico\"><svg width=\"34\" height=\"34\" viewBox=\"0 0 34 34\"><rect x=\"5\" y=\"8\" width=\"24\" height=\"18\" rx=\"3\" fill=\"none\" stroke=\"#f5871f\" stroke-width=\"2.4\"><\/rect><circle cx=\"13\" cy=\"15\" r=\"2.6\" fill=\"none\" stroke=\"#f5871f\" stroke-width=\"2\"><\/circle><path d=\"M9 21c0-2.2 1.8-3.4 4-3.4s4 1.2 4 3.4M20 14h6M20 18h4\" fill=\"none\" stroke=\"#f5871f\" stroke-width=\"2\" stroke-linecap=\"round\"><\/path><\/svg><\/div>\n<h1>KYC och AML<\/h1>\n<\/div>\n<div class=\"pterm-block\">\n<div class=\"pterm-def\">KYC st\u00e5r f\u00f6r know your customer, p\u00e5 svenska kundk\u00e4nnedom, och AML f\u00f6r anti money laundering, allts\u00e5 \u00e5tg\u00e4rder mot penningtv\u00e4tt. Tillsammans beskriver de de rutiner som plattformar anv\u00e4nder f\u00f6r att identifiera sina kunder och uppt\u00e4cka avvikande penningfl\u00f6den. F\u00f6r en utredning kan de vara viktiga, eftersom det oftare finns uppgifter hos s\u00e5dana akt\u00f6rer, utan att det av sig sj\u00e4lvt s\u00e4ger n\u00e5got om en enskild transaktion.<\/div>\n<\/div>\n<div class=\"pterm-block\">\n<h2>Vad betyder KYC och AML?<\/h2>\n<p class=\"pterm-p\">KYC st\u00e5r f\u00f6r know your customer, att identifiera kunder. AML st\u00e5r f\u00f6r \u00e5tg\u00e4rder mot penningtv\u00e4tt. Tillsammans h\u00f6r de till de rutiner som plattformar anv\u00e4nder f\u00f6r att identifiera kunder och uppt\u00e4cka avvikande penningfl\u00f6den. I Sverige f\u00f6ljer kraven av <a href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/lag-2017630-om-atgarder-mot-penningtvatt-och_sfs-2017-630\/\" target=\"_blank\" rel=\"noopener\">penningtv\u00e4ttslagen (2017:630)<\/a>, och sedan MiCA-f\u00f6rordningen tr\u00e4dde i kraft st\u00e5r kryptoleverant\u00f6rer under tillsyn av Finansinspektionen.<\/p>\n<\/div>\n<div class=\"pterm-block\">\n<div class=\"pterm-ex\"><span class=\"lbl\">Exempel fr\u00e5n verkligheten<\/span><span style=\"display:block;margin-top:8px;\">Vid sp\u00e5rningen av ett penningfl\u00f6de n\u00e5r det en plattform som identifierar sina kunder. Om det \u00e4r relevant f\u00f6r utredningen visar sig f\u00f6rst efter ytterligare steg och en bed\u00f6mning.<\/span><\/div>\n<\/div>\n<figure class=\"pauc-fig\" style=\"margin:0 0 24px;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/paucitas.com\/wp-content\/uploads\/2024\/09\/blokchain-onderzoek-768x512.jpg\" alt=\"KYC och AML, f\u00f6rklarat av Paucitas\" width=\"768\" height=\"512\" loading=\"lazy\" style=\"width:100%;height:auto;max-height:340px;object-fit:cover;border-radius:14px;display:block;\"><\/figure>\n<div class=\"pterm-block\">\n<h2>Vad kan KYC och AML \u00e5stadkomma?<\/h2>\n<p class=\"pterm-p\">En transaktion som g\u00e5r via en plattform med KYC och AML kan utg\u00f6ra en ing\u00e5ng, eftersom det oftare finns uppgifter d\u00e4r. Det beh\u00f6ver inte betyda n\u00e5got; de flesta transaktioner \u00e4r vardagliga. Vad en konkret r\u00f6relse betyder visar f\u00f6rst den n\u00e4rmare utredningen.<\/p>\n<\/div>\n<div class=\"pterm-block\">\n<h2>Varf\u00f6r \u00e4r KYC och AML relevanta f\u00f6r en utredning?<\/h2>\n<p class=\"pterm-p\">Eftersom uppgifter oftare \u00e4r k\u00e4nda hos akt\u00f6rer med de h\u00e4r rutinerna kan det vara en ing\u00e5ng. I sig s\u00e4ger det \u00e4nnu ingenting om en transaktion. Kunduppgifterna l\u00e4mnas i regel inte ut till privatpersoner, utan beg\u00e4rs ut av polis eller \u00e5klagare.<\/p>\n<\/div>\n<div>\n<div class=\"pterm-see\"><span class=\"lbl\">Se \u00e4ven<\/span><a href=\"https:\/\/paucitas.com\/se\/begrepp\/teknik-och-grundbegrepp\/penningtvatt\/\">Penningtv\u00e4tt<\/a>, <a href=\"https:\/\/paucitas.com\/se\/begrepp\/sparning-och-utredning\/kryptosparning\/\">Kryptosp\u00e5rning<\/a>, <a href=\"https:\/\/paucitas.com\/se\/begrepp\/teknik-och-grundbegrepp\/blockkedjeanalys\/\">Blockkedjeanalys<\/a>.<\/p>\n<div style=\"margin-top:8px;\"><span class=\"lbl\">Vanlig fr\u00e5ga<\/span> <a href=\"https:\/\/paucitas.com\/se\/fragor\/visa-kryptots-ursprung-vid-bolan\/\">Hur visar jag kryptotillg\u00e5ngarnas ursprung n\u00e4r jag ans\u00f6ker om bol\u00e5n?<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"pcb-related\" style=\"background: #FBF4EC;border-left: 4px solid #F59024;border-radius: 10px;padding: 16px 20px;margin: 28px 0\"><strong style=\"color: #243029\">Relaterat \u00e4mne<\/strong><br \/>\nSe hur Paucitas arbetar med det i praktiken p\u00e5 sidan <a style=\"color: #f59024;font-weight: 600\" href=\"https:\/\/paucitas.com\/se\/amnen\/ursprung-for-kryptovalutor\/\">Styrka ursprunget f\u00f6r kryptotillg\u00e5ngar<\/a>.<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"DefinedTerm\",\"@id\":\"https:\/\/paucitas.com\/se\/begrepp\/teknik-och-grundbegrepp\/kyc-och-aml\/#term\",\"name\":\"KYC och AML\",\"description\":\"Rutiner f\u00f6r kundk\u00e4nnedom (KYC) och \u00e5tg\u00e4rder mot penningtv\u00e4tt (AML) hos plattformar.\",\"inDefinedTermSet\":\"https:\/\/paucitas.com\/se\/begrepp\/teknik-och-grundbegrepp\/#set\",\"url\":\"https:\/\/paucitas.com\/se\/begrepp\/teknik-och-grundbegrepp\/kyc-och-aml\/\"},{\"@type\":\"FAQPage\",\"inLanguage\":\"sv-SE\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Vad betyder KYC och 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B.V.\",\"url\":\"https:\/\/paucitas.com\"},\"publisher\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/paucitas.com\/#organization\",\"name\":\"Paucitas B.V.\",\"url\":\"https:\/\/paucitas.com\"},\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"https:\/\/paucitas.com\/se\/begrepp\/teknik-och-grundbegrepp\/kyc-och-aml\/\"},\"about\":{\"@id\":\"https:\/\/paucitas.com\/se\/begrepp\/teknik-och-grundbegrepp\/kyc-och-aml\/#term\"}}]}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u2190Tillbaka till teknik och grundbegrepp KYC och AML KYC st\u00e5r f\u00f6r know your customer, p\u00e5 svenska kundk\u00e4nnedom, och AML f\u00f6r anti money laundering, allts\u00e5 \u00e5tg\u00e4rder [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":15204,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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