Entities that operate platforms enabling direct transactions or exchanges between individuals, typically allowing users to transfer funds, goods, or services without relying on a centralized intermediary. These operators may offer marketplaces or payment functionalities for participants to engage in peer-to-peer transactions.
Main/
Peer-to-Peer Platform Operator
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Code
AT0044
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Name
Peer-to-Peer Platform Operator
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Version
1.0
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Category
Financial Institutions & Service Providers
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Created
2025-03-12
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Modified
2025-04-02
Related Techniques
Hosts decentralized marketplaces whose limited KYC allows scripted wallet-to-wallet transfers that bypass traditional financial oversight.
Peer-to-peer payment platforms enable direct transfers between individuals with fewer formal checks. Criminals misuse these platforms by:
- Splitting illicit proceeds into multiple small transfers to stay below suspicion thresholds.
- Leveraging rapid, direct exchanges that reduce the visibility of cumulative sums for financial institutions.
Peer-to-peer platform operators enable direct user-to-user transfers, which criminals exploit by rotating funds among multiple wallets or accounts. Limited KYC requirements on some platforms allow frequent, small-scale transactions that remain below reporting thresholds, obscuring the flow of illicit funds. This hampers financial institutions' ability to track and piece together the full transaction history during investigations.