这份说明覆盖一个客户从转所到持续监控的完整合规链条：转所五步、身份核验，以及 PEP、不良媒体、制裁名单三类筛查各自的底层逻辑。我们把系统"到底怎么做的"完整披露给你 — 包括它能做什么、不能做什么。 This walkthrough covers a client's full compliance journey — from transferring in, to ongoing monitoring: the five-stage transfer pipeline, identity verification, and the underlying logic of each screening type (PEP, adverse media, sanctions). We disclose exactly how the system works — including what it does and does not do.
开始之前，先把边界说清楚 — 这对你、对我们都重要。Fedix 是一套合规工具，帮你把 KYC/AML 流程做得更快、更规范、更可追溯。但它不能代替你自身的合规义务，我们也不是律师。最终的合规判断、决定和法律责任，始终在你（会计师 / 报告实体）手里。 Before anything else, let's be clear about the boundary — it matters to you and to us. Fedix is a compliance tool that makes your KYC/AML process faster, more consistent and fully auditable. It does not replace your own compliance obligations, and we are not lawyers. The final compliance judgement, decision and legal responsibility always rest with you (the accountant / reporting entity).
系统负责初筛、留痕、归档、提醒；你负责判断和决定。凡是有命中或存疑的地方，系统一律翻给人工复核，绝不替你自动放行。
The system does the first-pass screening, record-keeping, archival and reminders; you make the judgement and the decision. Anything that matches or is uncertain is always escalated to human review — the system never auto-clears on your behalf.
当一个客户从别的事务所转到你这里，系统把它建模成一条入职流水线。会计从头到尾要走这五步 — 系统会在客户详情页用进度条实时显示每一步的状态。 When a client transfers from another firm to you, the system models it as an onboarding pipeline. The accountant works through these five stages — a progress bar on the client record shows the live status of each.
新建客户，打开"上一任会计"开关，填前任会计的姓名、所名、邮箱、电话。Create the client, switch on "previous accountant", enter their name, firm, email, phone.
跑 KYC 评估：风险分析、文档清单、三类筛查、批准或拒绝。Run the KYC assessment: risk analysis, document checklist, the three screenings, approve or reject.
发核验链接（邮件/短信/本机），客户上传证件+自拍，Stripe Identity 核验。Send a verification link (email/SMS/in-app); client submits ID + selfie; verified by Stripe Identity.
发约定书（Engagement Letter），客户签字，状态变为已签署。Send the engagement letter; client signs; status moves to signed.
年度续约信流程，用于已有客户的持续关系维护。The annual re-engagement letter flow for ongoing client relationships.
转所专属、也最容易被忽略的一步，是给上一任会计发一封职业清关信。这是会计行业的职业规矩：接手一个客户前，要正式征询前任会计，是否有职业理由反对你接手。 The stage unique to a transfer — and the one most often missed — is sending an ethical clearance letter to the previous accountant. It's professional etiquette: before taking on a client, you formally ask the outgoing accountant whether there is any professional reason you should not.
系统里还有一个"事务所所有权转移"（Practice Ownership Transfer），那是把整个事务所的所有权转给团队里另一个成员，跟客户转所完全无关。There is also a "Practice Ownership Transfer" in the system — that transfers ownership of the whole practice to another team member, and is entirely unrelated to client transfer.
身份核验回答的是"这个人是谁"；KYC 回答的是更大的问题：这个客户有多大风险，我要做多深的尽调。二者不同 — 身份核验只是 KYC 的一个输入，不是全部。 Identity verification answers "who is this person"; KYC answers the bigger question: how risky is this client, and how deep must my due diligence go. They are different — a verified identity is one input to KYC, not the whole of it.
系统先判断你为这个客户提供的服务是否属于 AML/CTF 法下的"设计服务"，从而决定是否需要做 KYC。The system first checks whether the service you provide is a "designated service" under the AML/CTF Act, which determines whether KYC is required.
系统对客户情况做风险打分（0–100），归入 低 / 中 / 高 / 禁止 四档，并列出风险因素和缺失文档。这是初步分析，最终评级由你确认。The system risk-scores the client (0–100) into low / medium / high / prohibited, listing risk factors and missing documents. This is a first-pass analysis; you confirm the final rating.
按实体类型给出 CDD 文档清单，上传的证件存入客户档案；一键"Run All"跑 PEP / 制裁 / 不良媒体三类筛查（下一节详解）。An entity-type-aware CDD checklist; uploaded documents are stored to the client file; one "Run All" click runs PEP / sanctions / adverse-media screening (detailed next).
映射谁真正拥有和控制这个实体（≥25% 受益所有人），必要时记录法定代表人。Map who really owns and controls the entity (≥25% beneficial owners), recording a legal personal representative where needed.
会计做最终决定，必须填写理由。高风险或 PEP 命中的客户，需要高级管理层签核。The accountant makes the final decision with a mandatory reason. High-risk or PEP-flagged clients require senior-management sign-off.
这是最需要完整披露的部分。三类筛查的"成色"不一样，我们如实告诉你每一类背后是什么数据源、什么逻辑，好让你知道该在哪些地方加人工判断。 This is the part that most needs full disclosure. The three screenings differ in strength; we tell you honestly what data source and logic sits behind each, so you know where to apply your own judgement.
制裁名单是真实官方数据源（DFAT）。PEP 与不良媒体目前是 AI 辅助初筛，用于快速发现明显风险，不构成对持牌数据库的完整检索。所有命中与存疑一律由人工复核并做最终判断。商业级 PEP / 不良媒体数据源正在对接中。Sanctions screening uses a real official source (DFAT). PEP and adverse media are currently an AI-assisted first pass to surface obvious risk quickly, and do not constitute a full search of a licensed database. All hits and uncertainties are reviewed by a human who makes the final judgement. Commercial-grade PEP / adverse-media sources are being integrated.
合规不只是"做了"，还要"证明做了"。系统为每个客户生成一份完整的 AML 评估报告，并保留一条不可篡改的审计记录。 Compliance isn't only about "doing it" — it's about "proving it". The system produces a complete AML assessment report per client and keeps a tamper-evident audit record.
| 区块Block | 内容Contents |
|---|---|
| 0–1 | 头部元数据（文档 ID、版本、SHA-256、PDF/A 合规）+ 身份与核验（provider 标注 Stripe Identity）Header metadata (doc ID, version, SHA-256, PDF/A) + identity & verification (provider: Stripe Identity) |
| 2–3 | 受益所有权（≥25% UBO）+ 四因素风险（客户 / 服务 / 渠道 / 国别）Beneficial ownership (≥25% UBO) + four-factor risk (customer / service / channel / country) |
| 4–5 | 总体风险评级与分数 + CDD 等级（简化 / 标准 / 强化）及理由Overall risk rating & score + CDD level (simplified / standard / enhanced) with justification |
| 6 | 筛查行 — 每类都如实标注数据源：PEP 标 AI 模型、Sanctions 标 "DFAT Consolidated List"、不良媒体标 AI 模型，含结果 / 名单版本 / 日期 / 是否需人工复核Screening rows — each honestly labels its source: PEP = AI model, Sanctions = "DFAT Consolidated List", adverse media = AI model, with result / list version / date / needs-review flag |
| 7–9 | 资金/财富来源 + 持续监控与下次复查 + 签核（高风险/PEP 需高管）Source of funds/wealth + ongoing monitoring & next review + sign-off (senior mgmt for high-risk/PEP) |
| 10 | 不可篡改审计链摘录（hash-chain）Tamper-evident audit-trail extract (hash-chain) |
我们正在增强归档能力：生成的报告 PDF 将持久化存储并附不可变输入快照，让任何一份历史报告日后都能逐字节复现给审计员；同时补上审计链的运行时校验功能。We are strengthening archival: generated report PDFs will be persisted with an immutable input snapshot so any historical report can be reproduced byte-for-byte for an auditor later; plus a runtime verifier for the audit chain.
下面是会上现场演示的顺序。每一步都可以停下来讨论具体客户的情况。 Here's the order to demo live. Pause at any step to discuss a specific client's situation.
客户列表 → New Client → 打开"Has Previous Accountant"开关 → 填前任信息 → 保存。观察：清关信自动发出。Client list → New Client → toggle "Has Previous Accountant" → fill predecessor details → save. Watch: the clearance letter is sent automatically.
Summary tab 顶部的五步进度条，指出"职业清关"这一步现在是"已发送"。The five-stage progress bar at the top of the Summary tab — point out that "Ethical Clearance" now shows "sent".
Compliance tab → KYC/AML Assessment → Start → AI Risk Analysis，展示风险评级与因素。Compliance tab → KYC/AML Assessment → Start → AI Risk Analysis; show the risk rating and factors.
点 "Run All Checks"，三个结果并排出现。重点讲：绿色 Sanctions = 官方名单，黄色 PEP/不良媒体 = AI 初筛，命中都会翻人工复核。Click "Run All Checks"; three results appear side by side. Emphasise: green Sanctions = official list, amber PEP/adverse-media = AI first pass, all hits escalate to human review.
Identity tab → Send verification link，演示客户端收到链接、上传证件的流程（可用测试客户）。Identity tab → Send verification link; demo the client receiving it and uploading ID (use a test client).
导出 AML 报告 PDF，翻到筛查行，指出每类的数据源标注 — 呼应前面的完整披露。Export the AML report PDF, scroll to the screening rows, and point at the per-source labels — tying back to the full disclosure.
请在使用本系统进行任何 KYC/AML 工作前，阅读并向你的客户传达以下声明。 Please read the following, and convey it to your clients, before using this system for any KYC/AML work.
本页仅作产品说明与培训用途，不构成法律、税务或合规意见。如需正式意见，请咨询持牌专业人士。 This page is for product explanation and training only and does not constitute legal, tax or compliance advice. For formal advice, consult a licensed professional.