人工智慧：打擊加密貨幣洗錢的雙面刃

人工智慧 (AI) 工具可以徹底改變加密貨幣交易的反洗錢 (AML) 工作，與人類能力相比，能夠快速分析大量交易。雖然人工智慧可以提高反洗錢的有效性，但重要的是要認識到犯罪分子也會利用人工智慧工具，從而使執法和金融機構的工作變得更加複雜。

Artificial Intelligence: A Double-Edged Sword in the Fight Against Cryptocurrency Money Laundering

人工智慧：打擊加密貨幣洗錢的雙面刃

Introduction

介紹

The rapid proliferation of cryptocurrency transactions has brought with it an increased risk of money laundering, posing a significant challenge to law enforcement and financial institutions. To combat this, Artificial Intelligence (AI) tools have emerged as a promising solution, offering the ability to analyze vast amounts of data and identify suspicious patterns swiftly. However, the adoption of AI by criminals and rogue entities introduces a complex dynamic, requiring a multifaceted approach to mitigate the risks and harness the benefits of this transformative technology.

加密貨幣交易的快速擴散帶來了洗錢風險的增加，給執法和金融機構帶來了重大挑戰。為了解決這個問題，人工智慧 (AI) 工具已成為一種有前景的解決方案，能夠分析大量數據並快速識別可疑模式。然而，犯罪分子和流氓實體對人工智慧的採用帶來了複雜的動態，需要採取多方面的方法來減輕風險並利用這種變革性技術的好處。

AI's Potential in Anti-Money Laundering Efforts

人工智慧在反洗錢工作中的潛力

AI algorithms excel in sifting through immense volumes of data at speeds far surpassing human capabilities. This enables law enforcement agencies and banks to keep pace with the surge in cryptocurrency transactions, many of which exceed millions daily. By identifying suspicious transactions in real-time, AI empowers law enforcement with a critical edge in combating money laundering schemes.

人工智慧演算法擅長以遠遠超過人類能力的速度篩選大量資料。這使得執法機構和銀行能夠跟上加密貨幣交易的激增，其中許多交易每天超過數百萬。透過即時識別可疑交易，人工智慧使執法部門在打擊洗錢計畫方面擁有關鍵優勢。

According to Mathieu Weill, a leading researcher in the field, AI can significantly reduce false positives in anti-money laundering work by 30-50%. It facilitates the digitization of Know Your Customer (KYC) processes, enhancing the efficiency of identifying ultimate beneficial owners. Additionally, AI assists in ensuring compliance with national regulations and detecting validator nodes associated with sanctioned entities or criminal activities.

該領域領先研究員Mathieu Weill表示，人工智慧可以將反洗錢工作中的誤報率大幅降低30-50%。它促進了「了解你的客戶」(KYC) 流程的數位化，提高了識別最終受益所有人的效率。此外，人工智慧還有助於確保遵守國家法規並檢測與受制裁實體或犯罪活動相關的驗證節點。

The inherent properties of blockchain technology, such as immutability and transparency, make it an ideal tool for combating money laundering. Blockchain can facilitate real-time sharing of updated KYC documents and transaction histories, making it more challenging for launderers to conceal their illicit activities.

區塊鏈技術的固有屬性，例如不變性和透明度，使其成為打擊洗錢的理想工具。區塊鏈可以促進更新的 KYC 文件和交易歷史記錄的即時共享，使洗錢者更難以隱瞞其非法活動。

Challenges Posed by AI Adoption by Criminals

犯罪分子採用人工智慧帶來的挑戰

The advent of AI tools is not limited to law enforcement and financial institutions. Cybercriminals and rogue states also possess access to these technologies, creating a double-edged sword. They can leverage AI to perpetrate more sophisticated frauds and evade money laundering controls.

人工智慧工具的出現不僅限於執法和金融機構。網路犯罪分子和流氓國家也可以使用這些技術，這是一把雙面刃。他們可以利用人工智慧實施更複雜的詐欺行為並逃避洗錢控制。

As reported by Infosecurity Magazine, generative AI models can streamline money laundering processes for financial criminals. These models assist in creating fake companies, invoices, records, and financial statements. They can also identify loopholes in legislation and establish offshore accounts to conceal illicit funds.

根據《資訊安全雜誌》報導，生成式人工智慧模式可以簡化金融犯罪者的洗錢流程。這些模型有助於建立虛假公司、發票、記錄和財務報表。他們還可以發現立法漏洞並建立離岸帳戶來隱藏非法資金。

Fraudsters are employing AI in less elaborate schemes as well. Romance scammers, often referred to as "pig butchering" scammers, are utilizing tools like Chat GPT to craft compelling pitches to unsuspecting victims. Adversarial AI tools, such as Fraud GPT and Worm GPT, are readily available on the Dark Web.

詐欺者也在不太複雜的計劃中使用人工智慧。浪漫詐騙者通常被稱為「殺豬」詐騙者，他們利用 Chat GPT 等工具向毫無戒心的受害者製作令人信服的推銷內容。詐欺 GPT 和蠕蟲 GPT 等對抗性 AI 工具在暗網上很容易取得。

Moreover, certain criminals exploit the allure of AI to lure victims into investment scams. According to a press release by the Department of Justice (DOJ), two individuals allegedly operated a fraudulent scheme that promised high-yield profits through an automated trading bot using AI. This deceptive practice, known as "AI washing," seeks to legitimize illicit activities by leveraging the buzz surrounding AI.

此外，某些犯罪分子利用人工智慧的誘惑來引誘受害者陷入投資詐騙。根據司法部 (DOJ) 的新聞稿，兩名個人涉嫌實施詐欺計劃，承諾透過使用人工智慧的自動交易機器人獲得高收益。這種被稱為「人工智慧清洗」的欺騙性做法旨在利用圍繞人工智慧的熱潮使非法活動合法化。

Mitigation Strategies and the Fusion of AI and Blockchain

緩解策略以及人工智慧和區塊鏈的融合

The widespread adoption of AI by criminals necessitates that law enforcement, banks, and other businesses involved in cryptocurrency transactions embrace these tools before being overwhelmed. They must also engage in public outreach to educate individuals on security best practices and scam avoidance.

犯罪分子廣泛採用人工智慧，迫使執法部門、銀行和其他涉及加密貨幣交易的企業在不堪重負之前採用這些工具。他們還必須進行公共宣傳活動，向個人提供有關安全最佳實踐和避免詐騙的教育。

Tim Vasko, the founder of BlockCerts, proposes a transformative solution—the fusion of AI with blockchain technology. This approach aims to create a fortified and reliable ecosystem for all participants. Authenticated Intelligence, a concept pioneered by BlockCerts, merges the immutable proof protocols of blockchain with the sophisticated validation processes of GPT technology.

BlockCerts 創辦人 Tim Vasko 提出了一種變革性的解決方案——人工智慧與區塊鏈技術的融合。這種方法旨在為所有參與者創建一個強化且可靠的生態系統。 Authenticated Intelligence 是 BlockCerts 首創的概念，它將區塊鏈的不可變證明協議與 GPT 技術的複雜驗證流程相結合。

This advanced verification model ensures that each transaction is not only encrypted but also verified across multiple layers, significantly reducing the risk of fraudulent activities, including money laundering. Vasko emphasizes the practicality and effectiveness of this approach, stating that it transcends theoretical postulation and is an active, tangible system reinforcing integrity and trust within digital ecosystems.

這種先進的驗證模型確保每筆交易不僅經過加密，而且經過多層驗證，從而顯著降低包括洗錢在內的詐欺活動的風險。 Vasko 強調了這種方法的實用性和有效性，並指出它超越了理論假設，是一個積極、有形的系統，可以增強數位生態系統內的完整性和信任。

Conclusion

結論

Artificial Intelligence is a potent tool that has the potential to revolutionize anti-money laundering efforts in cryptocurrency transactions. However, its adoption by criminals poses a significant challenge. Mitigating the risks associated with AI requires a comprehensive approach that includes the use of countermeasures, public education, and the fusion of AI with blockchain technology. By harnessing the power of AI while remaining vigilant against its potential misuse, we can harness its benefits to combat money laundering and foster a more secure and transparent financial landscape.

人工智慧是一種強大的工具，有可能徹底改變加密貨幣交易中的反洗錢工作。然而，犯罪分子採用它帶來了重大挑戰。減輕與人工智慧相關的風險需要採取綜合方法，包括使用對策、公共教育以及人工智慧與區塊鏈技術的整合。透過利用人工智慧的力量，同時對其潛在的濫用保持警惕，我們可以利用其優勢來打擊洗錢，並創造一個更安全和透明的金融環境。