Perusahaan Kripto Harus Mengumpulkan Data KYC Lebih Sedikit, Menurut Peirce dari SEC

TheCoinrise Media · 2026-09-25T05:06:30.000Z

Komisaris menyarankan bukti tanpa pengetahuan (zero-knowledge proofs) dapat memverifikasi identitas tanpa mengumpulkan data pribadi yang berlebihan. Komisaris SEC Hester Peirce telah memperbarui seruan untuk meninjau ulang cara perusahaan kripto memverifikasi identitas pelanggan. Ia berpendapat bahwa kerangka kenali-pelanggan, atau KYC, yang ada menuntut lebih banyak informasi pribadi daripada yang sebenarnya dibutuhkan regulator. Komentarnya mengarah pada perdebatan yang lebih luas tentang bagaimana pengawasan keuangan harus menyesuaikan diri dengan pasar aset digital. Peirce secara khusus mengangkat bukti tanpa pengetahuan sebagai solusi potensial. Metode kriptografis ini memungkinkan satu pihak membuktikan suatu fakta, seperti berusia di atas batas tertentu atau memiliki dana yang cukup, tanpa mengungkap data yang mendasarinya. Jika diterapkan pada KYC, hal ini dapat memungkinkan platform memastikan pengguna memenuhi persyaratan hukum tanpa menyimpan dokumen sensitif atau catatan pribadi.

Commissioner suggests zero-knowledge proofs could verify identity without collecting excess personal data.
SEC Commissioner Hester Peirce has renewed calls to rethink how crypto firms verify customer identities. She argued that existing know-your-customer, or KYC, frameworks demand more personal information than regulators actually need. Her comments point toward a broader debate over how financial oversight should adapt to digital asset markets.
Peirce specifically raised zero-knowledge proofs as a potential solution. This cryptographic method allows one party to prove a fact, such as being over a certain age or holding sufficient funds, without revealing the underlying data itself. Applied to KYC, it could let platforms confirm a user meets legal requirements without storing sensitive documents or personal records.
The proposal touches both KYC and anti-money-laundering, or AML, obligations. These rules require financial institutions to verify identities and monitor transactions for suspicious activity. Crypto firms currently comply using methods borrowed largely from traditional banking, which often means collecting passports, addresses, and other identifying documents.
Peirce's argument centers on a tension between compliance and privacy. Collecting large volumes of personal data creates security risks. Data breaches at exchanges and other financial platforms have exposed customer information in the past, raising concerns about how firms store what they collect. Reducing the amount of data gathered could lower that exposure while still meeting regulatory goals.
Her position reflects a broader philosophical stance she has taken during her tenure at the SEC. Peirce has previously advocated for regulatory approaches that account for the unique technical properties of blockchain systems, rather than applying legacy financial rules without modification. Cryptographic privacy tools like zero-knowledge proofs are native to blockchain infrastructure, making them a natural fit for this kind of rethink.
The suggestion does not represent a formal SEC rule or policy proposal at this stage. It reflects Peirce's individual perspective as a sitting commissioner, offered as part of ongoing discussion about how market structure and compliance frameworks should evolve for digital assets.
Market Impact
Any shift toward cryptographic privacy tools in KYC processes would affect exchanges, custodians, and other regulated crypto platforms that currently bear the cost of traditional identity verification. Reduced data collection requirements could lower compliance overhead and cybersecurity risk for these firms if adopted.
The idea remains at an early, conceptual stage. Markets are unlikely to react immediately, since no rulemaking process has been initiated. Industry participants who build identity verification infrastructure may watch closely, given the potential for zero-knowledge-based compliance tools to become a competitive differentiator.
Peirce's remarks add to an ongoing conversation about aligning crypto compliance with the technology's underlying privacy capabilities. Whether her proposal advances beyond commentary will depend on future SEC rulemaking and broader regulatory consensus.
Frequently Asked Questions
What did SEC Commissioner Hester Peirce propose?
She suggested that crypto firms could use cryptographic tools, including zero-knowledge proofs, to meet identity verification requirements while collecting less personal data than current KYC rules demand.
What is a zero-knowledge proof in this context?
It is a cryptographic method that lets a person prove they meet a requirement, such as identity verification, without revealing the underlying personal data itself.
Does this change current KYC or AML rules for crypto firms?
No formal rule change has occurred. Peirce's comments reflect her individual view as an SEC commissioner rather than an adopted agency policy.
Why does data collection in KYC processes matter?
Traditional KYC requires firms to store sensitive personal documents, which creates risks if that data is breached or mishandled.
Originally reported by AltcoinGordon, written by Amelia Brooks. Republished with permission.
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