{"id":10318,"date":"2025-08-06T17:38:18","date_gmt":"2025-08-06T15:38:18","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/kyc\/"},"modified":"2026-01-21T12:46:04","modified_gmt":"2026-01-21T11:46:04","slug":"kyc","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/ro\/glosar\/kyc\/","title":{"rendered":"KYC"},"content":{"rendered":"

<\/span>Ce este KYC?<\/strong><\/span><\/h2>\n

KYC<\/strong> (Know Your Customer sau Cunoa\u0219te-\u021bi Clientul) este procesul folosit pentru a verifica identitatea clien\u021bilor, permi\u021b\u00e2ndu-le accesul la anumite servicii sau produse.
Acesta presupune colectarea, analizarea \u0219i actualizarea informa\u021biilor despre client pentru a asigura conformitatea legal\u0103.<\/p>\n

Obiectivele principale ale procesului KYC sunt:<\/p>\n

    \n
  • \n

    Stabilirea identit\u0103\u021bii clientului.<\/p>\n<\/li>\n

  • \n

    \u00cen\u021belegerea naturii activit\u0103\u021bilor acestuia pentru a confirma legitimitatea lor.<\/p>\n<\/li>\n

  • \n

    Evaluarea riscurilor de sp\u0103lare a banilor asociate clientului.<\/p>\n<\/li>\n<\/ul>\n

    <\/span>Cum func\u021bioneaz\u0103 KYC?<\/strong><\/span><\/h2>\n

    Procesul KYC face parte din controalele impuse de legisla\u021bia privind prevenirea sp\u0103l\u0103rii banilor \u0219i finan\u021barea terorismului (AML)<\/strong>. Acest control include urm\u0103torii pa\u0219i:<\/p>\n

      \n
    • \n

      Verificarea documentelor de identitate \u0219i a altor date personale.<\/p>\n<\/li>\n

    • \n

      Confirmarea propriet\u0103\u021bii reale a contului sau afacerii.<\/p>\n<\/li>\n

    • \n

      Analiza actelor notariale \u0219i a documenta\u021biei relevante.<\/p>\n<\/li>\n<\/ul>\n

      Dup\u0103 analiz\u0103, institu\u021bia atribuie clientului un nivel de risc de sp\u0103lare a banilor<\/strong>, care va determina intensitatea controalelor aplicabile opera\u021biunilor sale. Clien\u021bii cu risc ridicat vor fi supu\u0219i unor m\u0103suri mai stricte, \u00een timp ce clien\u021bii cu risc sc\u0103zut vor avea o monitorizare standard.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Ce este KYC?
      \nKYC (Know Your Customer \/ Cunoa\u0219te-\u021bi Clientul) este procesul folosit pentru a verifica identitatea clien\u021bilor pentru a le permite accesul la anumite servicii sau produse.<\/p>\n","protected":false},"featured_media":9385,"template":"","meta":{"_acf_changed":false},"class_list":["post-10318","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nKYC - PaynoPain<\/title>\n<meta name=\"description\" content=\"Descoper\u0103 \u00een ce const\u0103 KYC (Know Your Customer), cum func\u021bioneaz\u0103 \u0219i c\u00e2t de important este \u00een lupta \u00eempotriva fraudei.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/paynopain.com\/ro\/glosar\/kyc\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KYC - PaynoPain\" \/>\n<meta property=\"og:description\" content=\"Descoper\u0103 \u00een ce const\u0103 KYC (Know Your Customer), cum func\u021bioneaz\u0103 \u0219i c\u00e2t de important este \u00een lupta \u00eempotriva fraudei.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/paynopain.com\/ro\/glosar\/kyc\/\" \/>\n<meta property=\"og:site_name\" content=\"PaynoPain\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-21T11:46:04+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/paynopain.com\\\/ro\\\/glosar\\\/kyc\\\/\",\"url\":\"https:\\\/\\\/paynopain.com\\\/ro\\\/glosar\\\/kyc\\\/\",\"name\":\"KYC - 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