{"id":15267,"date":"2026-09-29T07:45:45","date_gmt":"2026-09-29T05:45:45","guid":{"rendered":"https:\/\/paucitas.com\/for-vem\/banker-maklare-och-compliance\/"},"modified":"2026-10-01T03:32:53","modified_gmt":"2026-10-01T01:32:53","slug":"banker-maklare-och-compliance","status":"publish","type":"page","link":"https:\/\/paucitas.com\/se\/for-vem\/banker-maklare-och-compliance\/","title":{"rendered":"Banker, fastighetsm\u00e4klare och compliance: granska ursprunget till kryptotillg\u00e5ngar"},"content":{"rendered":"<style>.pcb-intro{background:#243029;color:#FBF4EC;border-radius:16px;padding:26px 28px;margin:0 0 28px;}.pcb-intro h2{color:#F59024;margin-top:0;font-size:1.15em;}.pcb-intro p{margin:.5em 0 0;}.pcb-key{border-left:4px solid #F59024;background:#FBF4EC;border-radius:0 12px 12px 0;padding:16px 20px;margin:24px 0;font-weight:600;color:#243029;}.pcb-wrap h2{color:#243029;}.pcb-wrap a{color:#F59024;}.pcb-wrap .pcb-intro h2{color:#F59024;}<\/style>\n<div class=\"pcb-wrap\">\n<h1>Banker, fastighetsm\u00e4klare och compliance: granska ursprunget till kryptotillg\u00e5ngar<\/h1>\n<div class=\"pcb-intro\">\n<h2>P\u00e5 den h\u00e4r sidan<\/h2>\n<ul>\n<li><a href=\"#vem\">F\u00f6r vem exakt<\/a><\/li>\n<li><a href=\"#fragor\">Vilka fr\u00e5gor den h\u00e4r gruppen st\u00e4ller<\/a><\/li>\n<li><a href=\"#levererar\">Vad Paucitas levererar till er<\/a><\/li>\n<li><a href=\"#samarbete\">Hur samarbetet g\u00e5r till<\/a><\/li>\n<li><a href=\"#annorlunda\">En sak som Paucitas g\u00f6r annorlunda<\/a><\/li>\n<li><a href=\"#contact\">Kontakt<\/a><\/li>\n<\/ul>\n<h2>Kort sagt<\/h2>\n<p>Du m\u00e5ste fastst\u00e4lla om pengar fr\u00e5n krypto g\u00e5r att f\u00f6rklara. Paucitas levererar ett underlag som matar din egen granskning: en kedja fr\u00e5n den f\u00f6rsta ins\u00e4ttningen till uttaget, med k\u00e4lla per steg och angivna luckor.<\/p>\n<\/div>\n<div class=\"pcb-key\">F\u00f6r banker, fastighetsm\u00e4klare och compliance-team levererar Paucitas ett oberoende underlag om ursprunget till kryptotillg\u00e5ngar. Vi arbetar p\u00e5 uppdrag av kunden eller av er, med samma metod, och anger uttryckligen vad som inte g\u00e5r att fastst\u00e4lla. Bed\u00f6mningen g\u00f6r ni.<\/div>\n<h2 id=\"vem\">F\u00f6r vem exakt<\/h2>\n<p>Du bed\u00f6mer en ins\u00e4ttning fr\u00e5n krypto, ett bol\u00e5n d\u00e4r kontantinsatsen kommer fr\u00e5n krypto, en aff\u00e4r d\u00e4r kryptotillg\u00e5ngar ing\u00e5r eller en kundakt med sk\u00e4rpta \u00e5tg\u00e4rder f\u00f6r kundk\u00e4nnedom enligt <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>. Kunden l\u00e4mnar sk\u00e4rmdumpar fr\u00e5n en app, men du beh\u00f6ver en kedja.<\/p>\n<p>Samma fr\u00e5ga st\u00e4lls till en fastighetsm\u00e4klare n\u00e4r en k\u00f6peskilling eller en handpenning kommer fr\u00e5n krypto, och till en revisor eller advokatbyr\u00e5 som omfattas av samma regler.<\/p>\n<figure class=\"pauc-fig\" style=\"margin:0 0 24px;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/paucitas.com\/wp-content\/uploads\/2024\/09\/herkomst-van-vermogen-768x512.jpg\" alt=\"Banker, 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<h2 id=\"fragor\">Vilka fr\u00e5gor den h\u00e4r gruppen st\u00e4ller<\/h2>\n<ul>\n<li><a href=\"https:\/\/paucitas.com\/se\/fragor\/source-of-funds-och-tillgangarnas-ursprung\/\">Vad \u00e4r skillnaden mellan source of funds och source of wealth?<\/a><\/li>\n<li><a href=\"https:\/\/paucitas.com\/se\/fragor\/underlag-banken-behover-for-pengar-fran-krypto\/\">Vilka underlag beh\u00f6ver en bank f\u00f6r pengar fr\u00e5n krypto?<\/a><\/li>\n<li><a href=\"https:\/\/paucitas.com\/se\/fragor\/banken-stoppar-betalning-fran-krypto\/\">Banken stoppar en betalning fr\u00e5n krypto: vem styrker ursprunget?<\/a><\/li>\n<li><a href=\"https:\/\/paucitas.com\/se\/fragor\/kryptotillgangar-per-ett-visst-datum\/\">Hur dokumenteras kryptotillg\u00e5ngar per ett visst datum?<\/a><\/li>\n<li><a href=\"https:\/\/paucitas.com\/se\/fragor\/hur-redovisas-ett-kryptoflode\/\">Hur redovisas ett kryptofl\u00f6de?<\/a><\/li>\n<\/ul>\n<p>Bakgrunden finns p\u00e5 <a href=\"https:\/\/paucitas.com\/se\/amnen\/ursprung-for-kryptovalutor\/\">ursprungsbevis f\u00f6r kryptovalutor<\/a> och <a href=\"https:\/\/paucitas.com\/se\/amnen\/blockkedjeanalys\/\">blockkedjeanalys f\u00f6rklarad<\/a>. Tillsynen \u00f6ver kryptotillg\u00e5ngstj\u00e4nster i Sverige ligger hos <a href=\"https:\/\/www.fi.se\/\" target=\"_blank\" rel=\"noopener\">Finansinspektionen<\/a>, och de europeiska ramarna finns hos <a href=\"https:\/\/www.eba.europa.eu\/\" target=\"_blank\" rel=\"noopener\">EBA<\/a> och <a href=\"https:\/\/www.esma.europa.eu\/\" target=\"_blank\" rel=\"noopener\">Esma<\/a>.<\/p>\n<h2 id=\"levererar\">Vad Paucitas levererar till er<\/h2>\n<p>En rapport med kedjan fr\u00e5n det f\u00f6rsta k\u00f6pet till uttaget, d\u00e4r varje steg styrks med en transaktions-hash eller en rad i en export, en bed\u00f6mning av <a href=\"https:\/\/paucitas.com\/se\/begrepp\/utredning-och-bevisning\/bevisvarde\/\">bevisv\u00e4rdet<\/a> i varje led och en uttrycklig lista \u00f6ver det som saknas.<\/p>\n<p>Dessutom pekar vi ut m\u00f6nster som \u00e4r relevanta f\u00f6r er egen granskning, till exempel en <a href=\"https:\/\/paucitas.com\/se\/begrepp\/sparning-och-utredning\/mixer\/\">mixer<\/a> i kedjan eller en <a href=\"https:\/\/paucitas.com\/se\/begrepp\/sparning-och-utredning\/cash-out-punkt\/\">cash out-punkt<\/a> hos en ok\u00e4nd tj\u00e4nst.<\/p>\n<p>Vi ger ingen compliancebed\u00f6mning, rapporterar inte till Finanspolisen i ert namn och ger inga r\u00e5d om ni ska godta en transaktion.<\/p>\n<h2 id=\"samarbete\">Hur samarbetet g\u00e5r till<\/h2>\n<p>Kunden l\u00e4mnar uppgifterna, eller ni g\u00f6r det med kundens samtycke. Vi levererar till uppdragsgivaren. \u00c4r det kunden avg\u00f6r hen sj\u00e4lv vad som l\u00e4mnas vidare till er.<\/p>\n<p>Normal handl\u00e4ggningstid \u00e4r tre arbetsdagar, och vid omfattande \u00e4renden ungef\u00e4r tv\u00e5 veckor. L\u00f6per en frist planerar vi efter den.<\/p>\n<h2 id=\"annorlunda\">En sak som Paucitas g\u00f6r annorlunda<\/h2>\n<p>Varje rapport inneh\u00e5ller en oberoendef\u00f6rklaring: Paucitas arbetar inte p\u00e5 uppdrag av en b\u00f6rs, en programvaruleverant\u00f6r eller n\u00e5gon annan part i \u00e4rendet och har inget intresse i utg\u00e5ngen. Det \u00e4r precis vad ett compliance-team beh\u00f6ver f\u00f6r att kunna anv\u00e4nda ett externt dokument.<\/p>\n<h2 id=\"contact\">Kontakt<\/h2>\n<p>Paucitas svarar oftast inom n\u00e5gra minuter upp till en timme och n\u00e4stan alltid samma arbetsdag. Du n\u00e5r oss dygnet runt p\u00e5 <a href=\"tel:+31202445774\">+31 20 244 5774<\/a> eller via <a href=\"mailto:sverige@paucitas.com\">sverige@paucitas.com<\/a>. Kontoret ligger p\u00e5 Weesperstraat 107 i Amsterdam, och underlag l\u00e4mnas \u00f6ver digitalt.<\/p>\n<h2>Vanliga fr\u00e5gor<\/h2>\n<h3>Arbetar Paucitas p\u00e5 uppdrag av banken eller kunden?<\/h3>\n<p>B\u00e5da f\u00f6rekommer. Metoden och de angivna begr\u00e4nsningarna \u00e4r desamma i b\u00e5da fallen.<\/p>\n<h3>Ger Paucitas en bed\u00f6mning av om transaktionen ska godtas?<\/h3>\n<p>Nej. Vi levererar det sakliga underlaget. Granskning och beslut ligger hos er.<\/p>\n<h3>Vad h\u00e4nder om kedjan har en lucka?<\/h3>\n<p>D\u00e5 anges luckan uttryckligen i rapporten, med en f\u00f6rklaring till varf\u00f6r den inte g\u00e5r att t\u00e4ppa till.<\/p>\n<\/div>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"inLanguage\":\"sv-SE\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Arbetar Paucitas p\u00e5 uppdrag av banken eller kunden?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"B\u00e5da f\u00f6rekommer. Metoden och de angivna begr\u00e4nsningarna \u00e4r desamma i b\u00e5da fallen.\"}},{\"@type\":\"Question\",\"name\":\"Ger Paucitas en bed\u00f6mning av om transaktionen ska godtas?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nej. Vi levererar det sakliga underlaget. 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