{"id":5885,"date":"2026-07-13T17:58:46","date_gmt":"2026-07-13T10:58:46","guid":{"rendered":"https:\/\/chongluadao.vn\/blog\/?p=5885"},"modified":"2026-07-13T18:01:14","modified_gmt":"2026-07-13T11:01:14","slug":"cac-bang-nhom-toi-pham-mang-dang-qua-mat-bao-mat-ngan-hang-bang-cong-cu-trai-phep-tren-telegram","status":"publish","type":"post","link":"https:\/\/chongluadao.vn\/blog\/en\/2026\/07\/cac-bang-nhom-toi-pham-mang-dang-qua-mat-bao-mat-ngan-hang-bang-cong-cu-trai-phep-tren-telegram\/","title":{"rendered":"Cybercrime gangs are bypassing bank security using unauthorized tools on Telegram."},"content":{"rendered":"

An investigation by MIT Technology Review revealed that dozens of Telegram groups are selling tools designed to bypass security measures at major banks and cryptocurrency exchanges.<\/em><\/p>\n\n\n\n

At a money laundering center in Cambodia, an employee opened a banking app on his phone. When the app asked for a profile picture, he selected a photo of a 30-year-old Asian man.<\/p>\n\n\n\n

Next, when the app prompted him to open the camera for live facial verification, the perpetrator showed a still photo of a woman completely unrelated to the account owner. After about 90 seconds of fumbling to fit his face into the frame as required by the app, he successfully accessed the account.<\/p>\n\n\n\n

K\u1ef9 thu\u1eadt n\u00e0y \u0111\u01b0\u1ee3c chia s\u1ebb b\u1edfi Ng\u00f4 Minh Hi\u1ebfu (chuy\u00ean gia an ninh m\u1ea1ng), cho th\u1ea5y m\u1ed9t v\u1ea5n \u0111\u1ec1 nh\u1ee9c nh\u1ed1i: c\u00e1c c\u00f4ng c\u1ee5 “b\u1ebb kh\u00f3a” quy tr\u00ecnh \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng (eKYC) \u0111ang \u0111\u01b0\u1ee3c b\u00e0y b\u00e1n c\u00f4ng khai tr\u00ean Telegram.<\/p>\n\n\n\n

C\u00e1c l\u1edbp b\u1ea3o m\u1eadt c\u1ee7a ng\u00e2n h\u00e0ng v\u1ed1n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 x\u00e1c nh\u1eadn ng\u01b0\u1eddi d\u00f9ng l\u00e0 “ng\u01b0\u1eddi th\u1eadt” v\u00e0 khu\u00f4n m\u1eb7t ph\u1ea3i kh\u1edbp v\u1edbi gi\u1ea5y t\u1edd t\u00f9y th\u00e2n. Th\u1ebf nh\u01b0ng, t\u1ed9i ph\u1ea1m \u0111ang l\u00e1ch lu\u1eadt b\u1eb1ng c\u00f4ng c\u1ee5 g\u1ecdi l\u00e0 Camera \u1ea3o (Virtual Camera – VCam). Thay v\u00ec d\u00f9ng lu\u1ed3ng d\u1eef li\u1ec7u th\u1ef1c t\u1eeb camera \u0111i\u1ec7n tho\u1ea1i, c\u00f4ng c\u1ee5 n\u00e0y cho ph\u00e9p k\u1ebb gian “b\u01a1m” c\u00e1c t\u1ec7p video, h\u00ecnh \u1ea3nh, ho\u1eb7c th\u1eadm ch\u00ed l\u00e0 deepfake v\u00e0o \u1ee9ng d\u1ee5ng, qua m\u1eaft h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t.<\/p>\n\n\n\n

Khi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh tung ra c\u00e1c ch\u1ed1t ch\u1eb7n b\u1ea3o m\u1eadt m\u1edbi, \u0111\u00e2y ch\u00ednh l\u00e0 v\u00f2ng xo\u00e1y “\u0111u\u1ed5i b\u1eaft” kh\u00f4ng h\u1ed3i k\u1ebft gi\u1eefa t\u1ed9i ph\u1ea1m v\u00e0 ng\u00e0nh t\u00e0i ch\u00ednh.<\/p>\n\n\n\n

During the first two months of investigation this year, MIT Technology Review<\/em> Authorities have identified 22 public Telegram channels and groups (in Chinese, Vietnamese, and English) that specialize in advertising circumvention tools and stolen biometric data. These programs infiltrate phone operating systems or banking applications, allowing users to bypass regulations on everything from major cryptocurrency exchanges like Binance to reputable banks like BBVA (Spain).<\/p>\n\n\n\n

“Chuy\u00ean d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng – x\u1eed l\u00fd ti\u1ec1n b\u1ea9n,” n\u1ed9i dung tr\u00ean ti\u1ec3u s\u1eed c\u1ee7a m\u1ed9t nh\u00f3m Telegram (nay \u0111\u00e3 b\u1ecb x\u00f3a) ghi r\u00f5, k\u00e8m bi\u1ec3u t\u01b0\u1ee3ng bi\u1ec3u t\u01b0\u1ee3ng ng\u00f3n tay c\u00e1i. “B\u1ea3o m\u1eadt. Chuy\u00ean nghi\u1ec7p. Ch\u1ea5t l\u01b0\u1ee3ng cao.” Nhi\u1ec1u k\u00eanh v\u1edbi h\u00e0ng ngh\u00ecn th\u00e0nh vi\u00ean th\u01b0\u1eddng xuy\u00ean qu\u1ea3ng c\u00e1o: “Nh\u1eadn x\u00e1c minh KYC m\u1ecdi lo\u1ea1i”, “Cam k\u1ebft tr\u01a1n tru, kh\u00f4ng l\u1ed7i”.<\/p>\n\n\n\n

Telegram stated that after reviewing the accounts, they removed them for violating their terms of service. However, these online black markets easily reappear, and many other channels advertising similar tools are still operating.<\/p>\n\n\n\n

Ng\u00e2n h\u00e0ng v\u00e0 nh\u1eefng “g\u00e3 \u0111\u1ed3 t\u1ec3”<\/strong><\/h2>\n\n\n\n

The surge in KYC circumvention techniques coincides with the expansion of scam networks globally. Banks and cryptocurrency exchanges are under immense pressure from illicit funds. Countries like Vietnam and Thailand are forced to tighten banking regulations, increase customer verification requirements, monitor fraud, and strengthen anti-money laundering measures in the cryptocurrency industry.<\/p>\n\n\n\n

Chainalysis, m\u1ed9t c\u00f4ng ty ph\u00e2n t\u00edch blockchain c\u1ee7a M\u1ef9, \u01b0\u1edbc t\u00ednh c\u00f3 kho\u1ea3ng 17 t\u1ef7 USD \u0111\u00e3 b\u1ecb \u0111\u00e1nh c\u1eafp trong c\u00e1c v\u1ee5 l\u1eeba \u0111\u1ea3o ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0o n\u0103m 2025, t\u0103ng t\u1eeb 13 t\u1ef7 USD trong n\u0103m 2024. Trong khi \u0111\u00f3, V\u0103n ph\u00f2ng Li\u00ean H\u1ee3p Qu\u1ed1c v\u1ec1 Ch\u1ed1ng Ma t\u00fay v\u00e0 T\u1ed9i ph\u1ea1m c\u1ea3nh b\u00e1o trong m\u1ed9t b\u00e1o c\u00e1o g\u1ea7n \u0111\u00e2y r\u1eb1ng s\u1ef1 m\u1edf r\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u1ed9i ph\u1ea1m ch\u00e2u \u00c1 t\u1ea1i ch\u00e2u Phi v\u00e0 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng \u0111\u00e3 gi\u00fap ng\u00e0nh c\u00f4ng nghi\u1ec7p n\u00e0y “gia t\u0103ng l\u1ee3i nhu\u1eadn m\u1ed9t c\u00e1ch \u0111\u00e1ng k\u1ec3.”<\/p>\n\n\n\n

\u00c1p l\u1ef1c t\u1eeb ph\u00eda qu\u1ea3n l\u00fd v\u00e0 doanh thu kh\u1ed5ng l\u1ed3 \u0111\u00e3 \u0111\u01b0a d\u1ecbch v\u1ee5 v\u01b0\u1ee3t r\u00e0o KYC tr\u1edf th\u00e0nh t\u00e2m \u0111i\u1ec3m tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111en. D\u00f9 c\u00e1c s\u1ed1 li\u1ec7u \u01b0\u1edbc t\u00ednh c\u00f3 s\u1ef1 ch\u00eanh l\u1ec7ch, gi\u1edbi chuy\u00ean gia an ninh m\u1ea1ng \u0111\u1ec1u chung nh\u1eadn \u0111\u1ecbnh v\u1ec1 \u0111\u00e0 gia t\u0103ng c\u1ee7a c\u00e1c v\u1ee5 t\u1ea5n c\u00f4ng n\u00e0y. C\u1ee5 th\u1ec3, theo b\u00e1o c\u00e1o t\u1eeb c\u00f4ng ty x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc iProov, c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng b\u1eb1ng camera \u1ea3o tr\u00ean to\u00e0n c\u1ea7u n\u0103m 2024 cao g\u1ea5p h\u01a1n 25 l\u1ea7n so v\u1edbi n\u0103m 2023. Song song \u0111\u00f3, Sumsub – \u0111\u01a1n v\u1ecb chuy\u00ean cung c\u1ea5p d\u1ecbch v\u1ee5 eKYC – c\u0169ng ghi nh\u1eadn c\u00e1c n\u1ed7 l\u1ef1c gian l\u1eadn \u0111a b\u01b0\u1edbc (bao g\u1ed3m c\u1ea3 k\u1ef9 thu\u1eadt d\u00f9ng camera \u1ea3o) \u0111\u00e3 t\u0103ng g\u1ea7n g\u1ea5p ba l\u1ea7n trong t\u1ec7p kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd trong n\u0103m ngo\u00e1i.<\/p>\n\n\n\n

Ba t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh b\u1ecb n\u00eau t\u00ean l\u00e0m m\u1ee5c ti\u00eau tr\u00ean Telegram – s\u00e0n giao d\u1ecbch ti\u1ec1n \u0111i\u1ec7n t\u1eed l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi Binance, c\u00f9ng v\u1edbi BBVA v\u00e0 Revolut (Anh) – \u0111\u1ec1u kh\u1eb3ng \u0111\u1ecbnh h\u1ecd n\u1eafm r\u00f5 nh\u1eefng ph\u01b0\u01a1ng th\u1ee9c n\u00e0y v\u00e0 coi \u0111\u00e2y l\u00e0 th\u00e1ch th\u1ee9c chung c\u1ee7a to\u00e0n ng\u00e0nh. Ng\u01b0\u1eddi ph\u00e1t ng\u00f4n c\u1ee7a Binance cho bi\u1ebft h\u1ecd “\u0111\u00e3 quan s\u00e1t th\u1ea5y nh\u1eefng n\u1ed7 l\u1ef1c t\u01b0\u01a1ng t\u1ef1 nh\u1eb1m ph\u00e1 v\u1ee1 c\u00e1c ch\u1ed1t ch\u1eb7n ki\u1ec3m so\u00e1t,” \u0111\u1ed3ng th\u1eddi nh\u1ea5n m\u1ea1nh: “Ch\u00fang t\u00f4i \u0111\u00e3 ng\u0103n ch\u1eb7n th\u00e0nh c\u00f4ng c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng n\u00e0y v\u00e0 t\u1ef1 tin v\u00e0o h\u1ec7 th\u1ed1ng c\u1ee7a m\u00ecnh.” V\u1ec1 ph\u1ea7n BBVA v\u00e0 Revolut, h\u1ecd t\u1eeb ch\u1ed1i b\u00ecnh lu\u1eadn v\u1ec1 vi\u1ec7c li\u1ec7u h\u1ec7 th\u1ed1ng b\u1ea3o m\u1eadt c\u1ee7a m\u00ecnh c\u00f3 t\u1eebng b\u1ecb x\u00e2m ph\u1ea1m hay kh\u00f4ng.<\/p>\n\n\n\n

R\u1ea5t kh\u00f3 \u0111\u1ec3 bi\u1ebft ch\u00ednh x\u00e1c t\u1ef7 l\u1ec7 th\u00e0nh c\u00f4ng c\u1ee7a b\u1ecdn t\u1ed9i ph\u1ea1m, v\u00ec c\u00e1c c\u00f4ng ty th\u01b0\u1eddng ch\u1ec9 ph\u00e1t hi\u1ec7n ra m\u00ecnh b\u1ecb qua m\u1eb7t khi m\u1ecdi chuy\u1ec7n \u0111\u00e3 r\u1ed3i, ho\u1eb7c h\u1ecd ch\u1ecdn c\u00e1ch kh\u00f4ng b\u00e1o c\u00e1o. Artem Popov, chuy\u00ean gia h\u00e0ng \u0111\u1ea7u v\u1ec1 ph\u00f2ng ch\u1ed1ng gian l\u1eadn t\u1ea1i Sumsub, th\u1eb3ng th\u1eafn chia s\u1ebb: “\u0110\u00e1ng s\u1ee3 nh\u1ea5t ch\u00ednh l\u00e0 nh\u1eefng g\u00ec ch\u00fang ta kh\u00f4ng nh\u00ecn th\u1ea5y \u0111\u01b0\u1ee3c. Lu\u00f4n c\u00f3 nh\u1eefng \u201ckho\u1ea3ng t\u1ed1i\u201d trong c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u00e0 c\u1ea3 h\u1ec7 th\u1ed1ng l\u1eabn nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 x\u00e1c th\u1ef1c \u0111\u1ec1u kh\u00f4ng h\u1ec1 hay bi\u1ebft\u201d. <\/p>\n\n\n\n

How criminals circumvent compliance regulations.<\/strong><\/h2>\n\n\n\n

D\u00f9 c\u00e1c qu\u1ea3ng c\u00e1o v\u1ec1 l\u1ed7 h\u1ed5ng nghe c\u00f3 v\u1ebb \u0111\u01a1n gi\u1ea3n, nh\u01b0ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n th\u00e0nh c\u00f4ng m\u1ed9t v\u1ee5 v\u01b0\u1ee3t r\u00e0o l\u1ea1i c\u1ef1c k\u1ef3 ph\u1ee9c t\u1ea1p v\u00e0 th\u01b0\u1eddng k\u1ebft h\u1ee3p nhi\u1ec1u ph\u01b0\u01a1ng ph\u00e1p. M\u1ed9t s\u1ed1 k\u00eanh cung c\u1ea5p d\u1ecbch v\u1ee5 “b\u1ebb kh\u00f3a” \u0111i\u1ec7n tho\u1ea1i \u0111\u1ec3 t\u1ed9i ph\u1ea1m c\u00f3 th\u1ec3 \u00e9p m\u00e1y ch\u1ea1y camera \u1ea3o (VCam) thay cho camera m\u1eb7c \u0111\u1ecbnh. C\u00e1c ph\u01b0\u01a1ng th\u1ee9c kh\u00e1c th\u00ec “ti\u00eam” m\u00e3 (code) v\u00e0o \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111i\u1ec1u h\u01b0\u1edbng \u1ee9ng d\u1ee5ng \u0111\u00f3 ph\u1ea3i l\u1ea5y d\u1eef li\u1ec7u t\u1eeb VCam. D\u00f9 b\u1eb1ng c\u00e1ch n\u00e0o, VCam c\u0169ng \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 qua m\u1eaft c\u00e1c l\u1edbp ki\u1ec3m tra eKYC b\u1eb1ng nh\u1eefng h\u00ecnh \u1ea3nh ho\u1eb7c video gi\u1ea3 m\u1ea1o.<\/p>\n\n\n\n

Sergiy Yakymchuk, CEO of Talsec (a cybersecurity company for financial institutions), reviewed data from these Telegram channels and confirmed they were entirely consistent with the actual tactics used to attack his clients. His team received requests to handle approximately 30 VCam-based attacks in the past year, a sharp increase from fewer than 10 in 2023.<\/p>\n\n\n\n

Yakymchuk stated that criminals are becoming increasingly sophisticated, simultaneously infiltrating both phones and the source code of financial applications. Before transmitting data to the virtual camera, they also combine stolen biometric data with deepfakes.<\/p>\n\n\n\n

“Tr\u01b0\u1edbc \u0111\u00e2y, ch\u1ec9 c\u1ea7n d\u1ecbch ng\u01b0\u1ee3c (decompile) \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng v\u00e0 chia s\u1ebb tr\u00ean Telegram l\u00e0 \u0111\u1ee7,” \u00f4ng n\u00f3i. “Gi\u1edd \u0111\u00e2y th\u00ec kh\u00f4ng c\u00f2n \u0111\u01a1n gi\u1ea3n nh\u01b0 v\u1eady n\u1eefa, v\u00ec \u0111\u00e3 c\u00f3 c\u00e1c l\u1edbp b\u1ea3o m\u1eadt eKYC, bu\u1ed9c ch\u00fang ph\u1ea3i s\u1eed d\u1ee5ng nhi\u1ec1u th\u1ee7 \u0111o\u1ea1n tinh vi h\u01a1n.”<\/p>\n\n\n\n

\u0110\u1ed1i v\u1edbi nh\u1eefng k\u1ebb r\u1eeda ti\u1ec1n, vi\u1ec7c v\u01b0\u1ee3t qua eKYC \u0111\u00e3 “tr\u1edf n\u00ean thi\u1ebft y\u1ebfu, v\u00ec c\u00e1c \u1ed5 nh\u00f3m l\u1eeba \u0111\u1ea3o c\u1ea7n ph\u1ea3i lu\u00e2n chuy\u1ec3n ti\u1ec1n \u0111i,” anh Hi\u1ebfu, nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u00e3 chia s\u1ebb video minh h\u1ecda tr\u00ean, cho bi\u1ebft. L\u00e0 m\u1ed9t c\u1ef1u hacker \u0111\u00e3 ho\u00e0n l\u01b0\u01a1ng v\u00e0 hi\u1ec7n l\u00e0 c\u1ed1 v\u1ea5n an ninh m\u1ea1ng cho Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam, anh Hi\u1ebfu hi\u1ec7n \u0111i\u1ec1u h\u00e0nh m\u1ed9t t\u1ed5 ch\u1ee9c phi l\u1ee3i nhu\u1eadn chuy\u00ean ch\u1ed1ng l\u1eeba \u0111\u1ea3o v\u00e0 h\u1ed7 tr\u1ee3 c\u01a1 quan th\u1ef1c thi ph\u00e1p lu\u1eadt \u0111i\u1ec1u tra c\u00e1c v\u1ee5 r\u1eeda ti\u1ec1n.<\/p>\n\n\n\n

Anh m\u00f4 t\u1ea3 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng trong c\u00e1c v\u1ee5 l\u1eeba \u0111\u1ea3o: Ti\u1ec1n c\u1ee7a n\u1ea1n nh\u00e2n \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o c\u00e1c t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng do m\u1ea1ng l\u01b0\u1edbi r\u1eeda ti\u1ec1n ki\u1ec3m so\u00e1t ho\u1eb7c thu\u00ea, th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi d\u00e2n d\u00e3 l\u00e0 c\u00e1c “nh\u00e0 n\u01b0\u1edbc” (water houses). K\u1ebb r\u1eeda ti\u1ec1n s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 v\u01b0\u1ee3t r\u00e0o eKYC \u0111\u1ec3 truy c\u1eadp v\u00e0o t\u00e0i kho\u1ea3n v\u00e0 nhanh ch\u00f3ng lu\u00e2n chuy\u1ec3n l\u1ee3i nhu\u1eadn tr\u01b0\u1edbc khi chuy\u1ec3n \u0111\u1ed5i ch\u00fang th\u00e0nh t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1, th\u01b0\u1eddng l\u00e0 \u0111\u1ed3ng stablecoin Tether.<\/p>\n\n\n\n

C\u00e1c giao d\u1ecbch n\u00e0y th\u01b0\u1eddng di\u1ec5n ra ch\u1ec9 trong v\u00e0i gi\u00e2y d\u01b0\u1edbi s\u1ef1 d\u00e0n d\u1ef1ng ch\u1eb7t ch\u1ebd. “Ch\u00fang n\u1eafm r\u1ea5t r\u00f5 quy tr\u00ecnh x\u00e1c minh ho\u1eb7c x\u00e1c th\u1ef1c t\u00e0i kho\u1ea3n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng,” anh Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh.<\/p>\n\n\n\n

This is the edited version of the content, which is concise, accurate, and retains journalistic integrity and ease of understanding:<\/p>\n\n\n\n

The never-ending chase<\/strong><\/h2>\n\n\n\n

The surge in money laundering from cyber scams has led to financial institutions being scrutinized more closely than ever before. In 2023, Binance pleaded guilty in a US federal court to failing to implement adequate anti-money laundering measures. Then, last October, the exchange's former CEO, Changpeng Zhao, was pardoned by former President Donald Trump.<\/p>\n\n\n\n

D\u00f9 v\u1eady, ph\u00e2n t\u00edch g\u1ea7n \u0111\u00e2y t\u1eeb Hi\u1ec7p h\u1ed9i c\u00e1c nh\u00e0 b\u00e1o \u0111i\u1ec1u tra qu\u1ed1c t\u1ebf (ICIJ) cho th\u1ea5y sau khi \u00f4ng Zhao nh\u1eadn t\u1ed9i, h\u01a1n 400 tri\u1ec7u USD v\u1eabn ti\u1ebfp t\u1ee5c ch\u1ea3y v\u00e0o Binance t\u1eeb Huione Group – m\u1ed9t c\u00f4ng ty t\u1ea1i Campuchia \u0111\u00e3 b\u1ecb M\u1ef9 tr\u1eebng ph\u1ea1t do \u0111\u01b0\u1ee3c coi l\u00e0 “n\u00fat th\u1eaft” quan tr\u1ecdng cho ho\u1ea1t \u0111\u1ed9ng r\u1eeda ti\u1ec1n t\u1eeb c\u00e1c \u0111\u01b0\u1eddng d\u00e2y l\u1eeba \u0111\u1ea3o t\u00ecnh c\u1ea3m d\u1eabn d\u1ee5 \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n

V\u1ec1 ph\u00eda m\u00ecnh, Binance kh\u1eb3ng \u0111\u1ecbnh h\u1ecd s\u1edf h\u1eefu “h\u1ec7 th\u1ed1ng b\u1ea3o m\u1eadt hi\u1ec7n \u0111\u1ea1i” gi\u00fap ng\u0103n ch\u1eb7n h\u00e0ng t\u1ef7 USD gian l\u1eadn, \u0111\u1ed3ng th\u1eddi \u0111\u00e3 x\u1eed l\u00fd h\u01a1n 71.000 y\u00eau c\u1ea7u t\u1eeb c\u01a1 quan th\u1ef1c thi ph\u00e1p lu\u1eadt trong n\u0103m 2025.<\/p>\n\n\n\n

Tuy nhi\u00ean, John Griffin, chuy\u00ean gia t\u00e0i ch\u00ednh v\u00e0 blockchain t\u1ea1i \u0110\u1ea1i h\u1ecdc Texas (Austin), v\u1eabn ho\u00e0i nghi v\u1ec1 \u0111\u1ed9 an to\u00e0n c\u1ee7a c\u00e1c s\u00e0n giao d\u1ecbch. “H\u1ecd qu\u1ea3ng b\u00e1 r\u1ea7m r\u1ed9 v\u1ec1 c\u00e1c thay \u0111\u1ed5i, nh\u01b0ng th\u1ef1c t\u1ebf l\u00e0 t\u1ed9i ph\u1ea1m v\u1eabn \u0111ang s\u1eed d\u1ee5ng s\u00e0n giao d\u1ecbch c\u1ee7a h\u1ecd,” Griffin nh\u1eadn \u0111\u1ecbnh. “\u0110i\u1ec1u \u0111\u00f3 cho th\u1ea5y c\u00e1c l\u1ed7 h\u1ed5ng v\u1eabn c\u00f2n t\u1ed3n t\u1ea1i.” (\u0110\u00e1p l\u1ea1i, Binance “ph\u1ea3n \u0111\u1ed1i c\u00e1c k\u1ebft lu\u1eadn m\u01a1 h\u1ed3” t\u1eeb c\u00f4ng tr\u00ecnh c\u1ee7a Griffin khi theo d\u00f5i d\u00f2ng ti\u1ec1n b\u1ea5t h\u1ee3p ph\u00e1p qua c\u00e1c s\u00e0n nh\u01b0 Binance, Huobi, OKX v\u00e0 Tokenlon, g\u1ecdi \u0111\u00e2y l\u00e0 nh\u1eefng th\u00f4ng tin “g\u00e2y hi\u1ec3u l\u1ea7m, th\u1eadm ch\u00ed l\u00e0 ho\u00e0n to\u00e0n kh\u00f4ng ch\u00ednh x\u00e1c.”)<\/p>\n\n\n\n

Binance c\u0169ng l\u01b0u \u00fd r\u1eb1ng m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 “v\u01b0\u1ee3t r\u00e0o” \u0111\u01b0\u1ee3c rao b\u00e1n tr\u00ean Telegram th\u1ef1c ch\u1ea5t ch\u00ednh l\u00e0 nh\u1eefng c\u00fa l\u1eeba \u0111\u1ea3o kh\u00e1c, \u0111\u1eb7t ra nghi v\u1ea5n v\u1ec1 quy m\u00f4 th\u00e0nh c\u00f4ng c\u1ee7a c\u00e1c v\u1ee5 t\u1ea5n c\u00f4ng n\u00e0y. Ng\u01b0\u1eddi ph\u00e1t ng\u00f4n c\u1ee7a s\u00e0n nh\u1ea5n m\u1ea1nh vi\u1ec7c ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y “khi\u1ebfn c\u00e1 nh\u00e2n g\u1eb7p r\u1ee7i ro b\u1ea3o m\u1eadt nghi\u00eam tr\u1ecdng”, \u0111\u1ed3ng th\u1eddi cho bi\u1ebft ngay c\u1ea3 khi quy\u1ec1n truy c\u1eadp c\u00f3 v\u1ebb \u0111\u01b0\u1ee3c c\u1ea5p, t\u00e0i kho\u1ea3n th\u01b0\u1eddng v\u1eabn b\u1ecb h\u1ec7 th\u1ed1ng ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 kh\u00f3a, khi\u1ebfn t\u1ed9i ph\u1ea1m kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch hay r\u00fat ti\u1ec1n.<\/p>\n\n\n\n

Regulatory bodies around the world are also working to catch up. In Thailand, where people's bank accounts are frequently used as intermediaries for scams originating from Myanmar and Cambodia, new laws have tightened eKYC oversight, limited daily transaction limits, and given authorities more power to suspend accounts. The US Financial Crimes Enforcement Network (FinCEN) also issued a warning about the risks of deepfake eKYC and virtual cameras from late 2024, and encouraged platforms to monitor unusual transaction patterns to identify money laundering activities.<\/p>\n\n\n\n

\u0110\u1ed1i v\u1edbi t\u1ed9i ph\u1ea1m, c\u00e1c quy \u0111\u1ecbnh m\u1edbi ch\u1ec9 khi\u1ebfn vi\u1ec7c “v\u01b0\u1ee3t r\u00e0o” tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n ch\u1ee9 kh\u00f4ng th\u1ec3 ch\u1eb7n \u0111\u1ee9ng ho\u00e0n to\u00e0n. Anh Hi\u1ebfu nh\u1eadn \u0111\u1ecbnh: “Bi\u1ec7n ph\u00e1p m\u1edbi ch\u1ec9 khi\u1ebfn ch\u00fang t\u1ed1n th\u1eddi gian h\u01a1n th\u00f4i, ch\u1ee9 kh\u00f4ng th\u1ec3 ng\u0103n c\u1ea3n \u0111\u01b0\u1ee3c. Ch\u1ec9 l\u00e0 v\u1ea5n \u0111\u1ec1 th\u1eddi gian m\u00e0 th\u00f4i.”<\/p>\n\n\n\n

Theo Fiona Kelliherarchive, MIT Technology Review – 04\/2026 <\/em><\/p>","protected":false},"excerpt":{"rendered":"

Cu\u1ed9c \u0111i\u1ec1u tra c\u1ee7a MIT Technology Review cho th\u1ea5y h\u00e0ng ch\u1ee5c nh\u00f3m tr\u00ean Telegram \u0111ang rao b\u00e1n c\u00e1c c\u00f4ng c\u1ee5 chuy\u00ean v\u01b0\u1ee3t r\u00e0o b\u1ea3o m\u1eadt c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 s\u00e0n ti\u1ec1n \u0111i\u1ec7n t\u1eed l\u1edbn. T\u1ea1i m\u1ed9t trung t\u00e2m r\u1eeda ti\u1ec1n \u1edf Campuchia, m\u1ed9t nh\u00e2n vi\u00ean m\u1edf \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i. Khi […] from C\u00e1c b\u0103ng nh\u00f3m t\u1ed9i ph\u1ea1m m\u1ea1ng \u0111ang qua m\u1eb7t b\u1ea3o m\u1eadt ng\u00e2n h\u00e0ng b\u1eb1ng c\u00f4ng c\u1ee5 tr\u00e1i ph\u00e9p tr\u00ean Telegram<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":5886,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[7,25],"tags":[],"class_list":["post-5885","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-canh-bao-pho-bien","category-tin-moi"],"_links":{"self":[{"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/posts\/5885","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/comments?post=5885"}],"version-history":[{"count":1,"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/posts\/5885\/revisions"}],"predecessor-version":[{"id":5887,"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/posts\/5885\/revisions\/5887"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/media\/5886"}],"wp:attachment":[{"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/media?parent=5885"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/categories?post=5885"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chongluadao.vn\/blog\/en\/wp-json\/wp\/v2\/tags?post=5885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}