人工智能：打击加密货币洗钱的双刃剑

人工智能 (AI) 工具可以彻底改变加密货币交易的反洗钱 (AML) 工作，与人类能力相比，能够快速分析大量交易。虽然人工智能可以提高反洗钱的有效性，但重要的是要认识到犯罪分子也会利用人工智能工具，从而使执法和金融机构的工作变得更加复杂。

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

人工智能：打击加密货币洗钱的双刃剑

Introduction

介绍

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.

加密货币交易的迅速扩散带来了洗钱风险的增加，给执法和金融机构带来了重大挑战。为了解决这个问题，人工智能 (AI) 工具已成为一种有前景的解决方案，能够分析大量数据并快速识别可疑模式。然而，犯罪分子和流氓实体对人工智能的采用带来了复杂的动态，需要采取多方面的方法来减轻风险并利用这种变革性技术的好处。

AI's Potential in Anti-Money Laundering Efforts

人工智能在反洗钱工作中的潜力

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.

人工智能算法擅长以远远超过人类能力的速度筛选大量数据。这使得执法机构和银行能够跟上加密货币交易的激增，其中许多交易每天超过数百万。通过实时识别可疑交易，人工智能使执法部门在打击洗钱计划方面拥有关键优势。

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.

该领域领先研究员Mathieu Weill表示，人工智能可以将反洗钱工作中的误报率显着降低30-50%。它促进了“了解你的客户”(KYC) 流程的数字化，提高了识别最终受益所有人的效率。此外，人工智能还有助于确保遵守国家法规并检测与受制裁实体或犯罪活动相关的验证节点。

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.

区块链技术的固有属性，例如不变性和透明度，使其成为打击洗钱的理想工具。区块链可以促进更新的 KYC 文件和交易历史记录的实时共享，使洗钱者更难以隐瞒其非法活动。

Challenges Posed by AI Adoption by Criminals

犯罪分子采用人工智能带来的挑战

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.

人工智能工具的出现不仅限于执法和金融机构。网络犯罪分子和流氓国家也可以使用这些技术，这是一把双刃剑。他们可以利用人工智能实施更复杂的欺诈行为并逃避洗钱控制。

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.

据《信息安全杂志》报道，生成式人工智能模型可以简化金融犯罪分子的洗钱流程。这些模型有助于创建虚假公司、发票、记录和财务报表。他们还可以发现立法漏洞并建立离岸账户来隐藏非法资金。

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.

欺诈者也在不太复杂的计划中使用人工智能。浪漫诈骗者通常被称为“杀猪”诈骗者，他们利用 Chat GPT 等工具向毫无戒心的受害者制作令人信服的推销内容。欺诈 GPT 和蠕虫 GPT 等对抗性 AI 工具在暗网上很容易获得。

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能的诱惑来引诱受害者陷入投资诈骗。根据司法部 (DOJ) 的一份新闻稿，两名个人涉嫌实施欺诈计划，承诺通过使用人工智能的自动交易机器人获得高收益。这种被称为“人工智能清洗”的欺骗性做法旨在利用围绕人工智能的热潮使非法活动合法化。

Mitigation Strategies and the Fusion of AI and Blockchain

缓解策略以及人工智能和区块链的融合

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.

犯罪分子广泛采用人工智能，迫使执法部门、银行和其他涉及加密货币交易的企业在不堪重负之前采用这些工具。他们还必须开展公共宣传活动，向个人提供有关安全最佳实践和避免诈骗的教育。

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 创始人 Tim Vasko 提出了一种变革性的解决方案——人工智能与区块链技术的融合。这种方法旨在为所有参与者创建一个强化且可靠的生态系统。 Authenticated Intelligence 是 BlockCerts 首创的概念，它将区块链的不可变证明协议与 GPT 技术的复杂验证流程相结合。

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.

这种先进的验证模型确保每笔交易不仅经过加密，而且经过多层验证，从而显着降低包括洗钱在内的欺诈活动的风险。 Vasko 强调了这种方法的实用性和有效性，并指出它超越了理论假设，是一个积极、有形的系统，可以增强数字生态系统内的完整性和信任。

Conclusion

结论

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.

人工智能是一种强大的工具，有可能彻底改变加密货币交易中的反洗钱工作。然而，犯罪分子采用它带来了重大挑战。减轻与人工智能相关的风险需要采取综合方法，包括使用对策、公共教育以及人工智能与区块链技术的融合。通过利用人工智能的力量，同时对其潜在的滥用保持警惕，我们可以利用其优势来打击洗钱，并营造一个更加安全和透明的金融环境。