區塊鏈智慧平台 TRM Labs 與銀行基礎設施公司 Finray Technologies 於 2026 年 2 月宣布合作，將 Finray 的合規決策引擎 XZiel 與 TRM Labs 的區塊鏈智慧工具整合，建立一個可同時監控加密貨幣與法幣交易的統一系統，為機構提供跨資產類別的即時風險警報與合規管理能力。
XZiel 與 TRM Labs 整合：系統核心功能詳解
此次整合的核心是將 TRM Labs 的區塊鏈智慧分析能力直接嵌入 Finray 的 XZiel 合規決策引擎，使機構能夠在同一操作環境下，以與傳統法幣支付監控相同的工作流程處理加密貨幣合規事務，無需在兩套獨立系統間切換。
Finray 執行長 Oleksandr Potapenko 在公告聲明中表示：「合規團隊不能再在單獨的系統中管理法幣和加密貨幣風險了。」他指出，此次整合讓客戶能夠在單一環境中完成風險決策的保存、清理、上報與記錄，是對 MiCA 法規與持續演進的監管要求的直接回應。
整合系統的核心功能架構
即時風險警報：針對比特幣（Bitcoin）、以太坊（Ethereum）與波場（TRON）三條主要區塊鏈上的可疑交易，提供與法幣支付監控一致的即時風險分類與預警
錢包篩選與持續監控：支援在用戶註冊及後續使用期間對錢包地址進行風險評估，涵蓋鏈上與鏈下環境
自動審計追蹤：系統自動記錄帶有時間戳的詳細審計日誌，包括標記原因、審查人員身份及最終決策內容，符合監管審查要求
案例管理與自動升級：提供結構化案例管理流程，可依據風險等級自動觸發上報程序
目標用戶與 MiCA 監管背景
Finray 與 TRM Labs 表示，此系統主要面向加密貨幣交易所、為機構客戶提供服務的託管機構、企業財務部門、商業銀行及電子貨幣機構（E-Money Institutions），旨在協助上述機構在符合歐洲《加密資產市場法規（MiCA）》要求及反洗錢（AML）義務的前提下，建立結構化且可接受監管審計的監控計畫。
此次合作背景源於機構金融數位化整合趨勢的加速。隨著穩定幣結算與法幣支付流的聯繫日益緊密，過去將加密貨幣與傳統金融分別管理的合規框架正面臨根本性挑戰。Bitcoin 金融服務公司 River 上月數據顯示，超過半數的美國頂級銀行已開始或宣布計畫提供比特幣相關服務，進一步凸顯統一監控基礎設施的市場需求。
常見問題
TRM Labs 是什麼公司，為何此次整合對金融機構具有重要意義？
TRM Labs 是一家提供區塊鏈智慧分析的平台，為金融機構、執法機構及監管機構提供鏈上數據追蹤、風險評估與反洗錢解決方案。此次與 Finray XZiel 的整合，是將加密貨幣與法幣監控統一於同一工作流程的商業化方案，對正在擴展數位資產業務的銀行與金融機構具有重要的合規基礎設施意義。
什麼是 MiCA 法規，對加密貨幣機構有哪些核心合規要求？
MiCA（Markets in Crypto-Assets）是歐盟針對加密資產的全面性監管框架，涵蓋加密資產發行方的資訊揭露要求、加密資產服務提供者的授權程序，以及反洗錢（AML）與客戶身份驗證（KYC）義務等面向，已成為在歐洲運營的加密貨幣機構須遵循的核心合規法規。
此整合系統目前支援哪些區塊鏈，適用於哪些機構類型？
根據 Finray 與 TRM Labs 公告，系統目前支援比特幣（Bitcoin）、以太坊（Ethereum）及波場（TRON）三條主要區塊鏈。適用機構涵蓋加密貨幣交易所、機構級託管服務商、企業財務部門、商業銀行及電子貨幣機構，尤其適合有意拓展加密貨幣服務或需在多個司法管轄範圍內符合合規要求的金融機構。
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