{"id":690,"date":"2024-11-23T09:27:02","date_gmt":"2024-11-23T09:27:02","guid":{"rendered":"https:\/\/nhungcachkiemtien.com\/?p=690"},"modified":"2024-11-23T09:27:03","modified_gmt":"2024-11-23T09:27:03","slug":"wise-co-an-toan-va-hop-phap-khong-cap-nhat-nam-2025","status":"publish","type":"post","link":"https:\/\/nhungcachkiemtien.com\/index.php\/2024\/11\/23\/wise-co-an-toan-va-hop-phap-khong-cap-nhat-nam-2025\/","title":{"rendered":"Wise c\u00f3 an to\u00e0n v\u00e0 h\u1ee3p ph\u00e1p kh\u00f4ng? (c\u1eadp nh\u1eadt n\u0103m 2025)"},"content":{"rendered":"\n

Wise (tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 TransferWise) c\u00f3 an to\u00e0n \u0111\u1ec3 s\u1eed d\u1ee5ng kh\u00f4ng?<\/h2>\n\n\n\n
\"\"<\/a><\/figure>\n\n\n\n

C\u00f3, Wise an to\u00e0n \u0111\u1ec3 s\u1eed d\u1ee5ng<\/strong> . Kh\u00e1ch h\u00e0ng c\u1ee7a Wise chuy\u1ec3n h\u01a1n 10 t\u1ef7 \u0111\u00f4 la m\u1ed7i th\u00e1ng v\u00e0 h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, doanh nghi\u1ec7p v\u00e0 doanh nghi\u1ec7p n\u1eafm gi\u1eef ti\u1ec1n trong c\u00e1c t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p c\u1ee7a Wise. L\u00e0 m\u1ed9t doanh nghi\u1ec7p to\u00e0n c\u1ea7u, Wise \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1edfi m\u1ed9t s\u1ed1 c\u01a1 quan tr\u00ean to\u00e0n th\u1ebf gi\u1edbi v\u00e0 c\u0169ng s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt c\u1ea5p ng\u00e0nh \u0111\u1ec3 gi\u1eef an to\u00e0n cho kh\u00e1ch h\u00e0ng v\u00e0 t\u00e0i kho\u1ea3n c\u1ee7a h\u1ecd.<\/p>\n\n\n\n

Wise<\/strong><\/a> \u0111\u01b0\u1ee3c <\/strong>qu\u1ea3n l\u00fd t\u1ea1i Hoa K\u1ef3 b\u1edfi FinCEN<\/strong> (M\u1ea1ng l\u01b0\u1edbi th\u1ef1c thi t\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh) v\u00e0 gia h\u1ea1n \u0111\u0103ng k\u00fd h\u00e0ng n\u0103m. \u0110\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 gi\u1ea5y ph\u00e9p c\u1ee7a t\u1eebng ti\u1ec3u bang m\u00e0 c\u00f4ng ty n\u1eafm gi\u1eef v\u1edbi t\u01b0 c\u00e1ch l\u00e0 \u0111\u01a1n v\u1ecb chuy\u1ec3n ti\u1ec1n, h\u00e3y nh\u1ea5p v\u00e0o \u0111\u00e2y<\/a> . Wise c\u0169ng \u0111\u01b0\u1ee3c gi\u00e1m s\u00e1t b\u1edfi c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd t\u1ea1i m\u1ed7i ti\u1ec3u bang \u0111\u00f3. T\u1ea1i c\u00e1c ti\u1ec3u bang v\u00e0 v\u00f9ng l\u00e3nh th\u1ed5 m\u00e0 Wise kh\u00f4ng n\u1eafm gi\u1eef gi\u1ea5y ph\u00e9p, c\u00f4ng ty cung c\u1ea5p d\u1ecbch v\u1ee5 th\u00f4ng qua quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi Ng\u00e2n h\u00e0ng ti\u1ebft ki\u1ec7m li\u00ean bang c\u1ed9ng \u0111\u1ed3ng.<\/p>\n\n\n\n

Theo lu\u1eadt, Wise c\u1ea7n ph\u1ea3i ‘ B\u1ea3o v\u1ec7<\/strong> ‘ ti\u1ec1n c\u1ee7a b\u1ea1n. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 h\u1ecd c\u1ea7n ph\u1ea3i t\u00e1ch bi\u1ec7t ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi v\u1ed1n l\u01b0u \u0111\u1ed9ng c\u1ee7a ch\u00ednh h\u1ecd. C\u00e1c qu\u1ef9 \u0111\u01b0\u1ee3c gi\u1eef trong c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e1ng tin c\u1eady nh\u01b0 JP Morgan Chase, Barclays v\u00e0 Citibank, v\u00e0 trong c\u00e1c t\u00e0i s\u1ea3n thanh kho\u1ea3n nh\u01b0 tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7. Vi\u1ec7c b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c an to\u00e0n ngay c\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng may Wise g\u1eb7p ph\u1ea3i c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n\n\n\n

\u0110i \u0111\u1ebfn Wise<\/a><\/p>\n\n\n\n

Wise an to\u00e0n \u0111\u1ebfn m\u1ee9c n\u00e0o?<\/h2>\n\n\n\n

R\u1ea5t an to\u00e0n.<\/strong><\/p>\n\n\n\n

Wise<\/strong><\/a> cung c\u1ea5p b\u1ea3o m\u1eadt c\u1ea5p ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ed9i ng\u0169 h\u1ed7 tr\u1ee3 v\u00e0 ch\u1ed1ng gian l\u1eadn n\u1ed9i b\u1ed9 c\u1ee7a h\u1ecd. H\u1ecd \u0111\u1ea3m b\u1ea3o r\u1eb1ng t\u1ea5t c\u1ea3 ti\u1ec1n b\u1ea1c v\u00e0 d\u1eef li\u1ec7u c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 kh\u1ecfi ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn ho\u1eb7c \u0111\u0103ng nh\u1eadp.<\/p>\n\n\n\n

H\u1ecd s\u1eed d\u1ee5ng m\u00e3 h\u00f3a HTTPS v\u00e0 2FA ho\u1eb7c x\u00e1c th\u1ef1c hai y\u1ebfu t\u1ed1 \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u00e1c giao d\u1ecbch c\u1ee7a b\u1ea1n. 2FA l\u00e0 b\u1eaft bu\u1ed9c m\u1ed7i khi b\u1ea1n \u0111\u0103ng nh\u1eadp v\u00e0 m\u1ed7i khi b\u1ea1n th\u1ef1c hi\u1ec7n chuy\u1ec3n kho\u1ea3n, Wise s\u1ebd y\u00eau c\u1ea7u b\u1ea1n x\u00e1c minh r\u1eb1ng \u0111\u00f3 l\u00e0 b\u1ea1n b\u1eb1ng tin nh\u1eafn v\u0103n b\u1ea3n, d\u1ea5u v\u00e2n tay ho\u1eb7c nh\u1eadn d\u1ea1ng khu\u00f4n m\u1eb7t.<\/p>\n\n\n\n

Sau \u0111\u00e2y l\u00e0 th\u00f4ng tin t\u00f3m t\u1eaft nhanh v\u1ec1 Wise :<\/a><\/strong><\/p>\n\n\n\n

N\u0103m th\u00e0nh l\u1eadp: <\/strong>2011<\/p>\n\n\n\n

Quy \u0111\u1ecbnh: <\/strong>\u0110\u01b0\u1ee3c qu\u1ea3n l\u00fd tr\u00ean to\u00e0n c\u1ea7u, FinCEN \u0111\u00e3 \u0111\u0103ng k\u00fd t\u1ea1i Hoa K\u1ef3<\/p>\n\n\n\n

S\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng: <\/strong>16+ tri\u1ec7u kh\u00e1ch h\u00e0ng<\/p>\n\n\n\n

C\u00e1c d\u1ecbch v\u1ee5 c\u00f3 s\u1eb5n: <\/strong>Chuy\u1ec3n ti\u1ec1n \u0111\u1ebfn h\u01a1n 160 qu\u1ed1c gia, gi\u1eef h\u01a1n 40 lo\u1ea1i ti\u1ec1n t\u1ec7 trong t\u00e0i kho\u1ea3n Wise<\/a><\/p>\n\n\n\n

D\u1ecbch v\u1ee5 th\u1ebb: <\/strong>Chi ti\u00eau t\u1ea1i h\u01a1n 150 qu\u1ed1c gia tr\u00ean to\u00e0n th\u1ebf gi\u1edbi b\u1eb1ng th\u1ebb Wise<\/a><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u0110i \u0111\u1ebfn Wise<\/a><\/p>\n\n\n\n

Chuy\u1ec3n ti\u1ec1n b\u1eb1ng Wise c\u00f3 an to\u00e0n kh\u00f4ng?<\/h2>\n\n\n\n

Wise l\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n qu\u1ed1c t\u1ebf<\/a> an to\u00e0n .<\/strong> Ngo\u00e0i vi\u1ec7c \u0111\u01b0\u1ee3c FinCEN \u0111\u0103ng k\u00fd t\u1ea1i Hoa K\u1ef3, Wise c\u00f2n c\u00f3 nhi\u1ec1u bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt \u0111\u1ec3 b\u1ea3o v\u1ec7 ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ea3m b\u1ea3o thanh to\u00e1n an to\u00e0n.<\/p>\n\n\n\n

Tr\u01b0\u1edbc khi c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng Wise, b\u1ea1n c\u1ea7n \u0111\u0103ng nh\u1eadp v\u00e0o t\u00e0i kho\u1ea3n Wise c\u1ee7a m\u00ecnh b\u1eb1ng m\u1eadt kh\u1ea9u an to\u00e0n v\u00e0 quy tr\u00ecnh x\u00e1c th\u1ef1c 2 y\u1ebfu t\u1ed1 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n. Sau \u0111\u00f3, Wise s\u1ebd tu\u00e2n th\u1ee7 m\u1ecdi quy t\u1eafc tu\u00e2n th\u1ee7 trong n\u01b0\u1edbc v\u00e0 qu\u1ed1c t\u1ebf khi x\u1eed l\u00fd chuy\u1ec3n kho\u1ea3n qu\u1ed1c t\u1ebf, bao g\u1ed3m c\u1ea3 vi\u1ec7c nh\u1eadn m\u1ecdi x\u00e1c minh b\u1eaft bu\u1ed9c t\u1eeb kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u chuy\u1ec3n kho\u1ea3n.<\/p>\n\n\n\n

Cu\u1ed1i c\u00f9ng, Wise th\u01b0\u1eddng kh\u00f4ng c\u1ea7n ph\u1ea3i gi\u1eef ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng khi x\u1eed l\u00fd chuy\u1ec3n kho\u1ea3n qu\u1ed1c t\u1ebf. Tuy nhi\u00ean, n\u1ebfu c\u00f3 b\u1ea5t k\u1ef3 y\u00eau c\u1ea7u n\u00e0o \u0111\u1ed1i v\u1edbi Wise \u0111\u1ec3 gi\u1eef ti\u1ec1n c\u1ee7a b\u1ea1n – trong khi ki\u1ec3m tra x\u00e1c minh \u0111ang \u0111\u01b0\u1ee3c ho\u00e0n t\u1ea5t ch\u1eb3ng h\u1ea1n – th\u00ec s\u1ed1 ti\u1ec1n \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1eb1ng c\u00e1ch g\u1eedi t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n. <\/p>\n\n\n\n

Wise c\u00f3 an to\u00e0n nh\u01b0 ng\u00e2n h\u00e0ng kh\u00f4ng?<\/h2>\n\n\n\n

Wise kh\u00f4ng ph\u1ea3i l\u00e0 ng\u00e2n h\u00e0ng – tuy nhi\u00ean, v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 Wise cung c\u1ea5p th\u00ec n\u00f3 an to\u00e0n nh\u01b0 m\u1ed9t ng\u00e2n h\u00e0ng.<\/strong><\/p>\n\n\n\n

C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng ph\u1ea3i tu\u00e2n theo nhi\u1ec1u quy \u0111\u1ecbnh h\u01a1n so v\u1edbi c\u00e1c c\u00f4ng ty chuy\u1ec3n ti\u1ec1n qu\u1ed1c t\u1ebf, v\u00ec h\u1ecd c\u0169ng cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung nh\u01b0 th\u1ebb t\u00edn d\u1ee5ng v\u00e0 cho vay. \u0110\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n qu\u1ed1c t\u1ebf, Wise an to\u00e0n nh\u01b0 m\u1ed9t ng\u00e2n h\u00e0ng, nh\u01b0ng th\u01b0\u1eddng r\u1ebb h\u01a1n v\u00e0 nhanh h\u01a1n. T\u00ecm hi\u1ec3u th\u00eam: Wise so v\u1edbi chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng qu\u1ed1c t\u1ebf<\/a><\/p>\n\n\n\n

Wise (tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 TransferWise) c\u00f3 ph\u1ea3i l\u00e0 ng\u00e2n h\u00e0ng kh\u00f4ng?<\/h2>\n\n\n\n

Wise kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng.<\/strong> Wise \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p l\u00e0 \u0111\u01a1n v\u1ecb chuy\u1ec3n ti\u1ec1n t\u1ea1i nhi\u1ec1u ti\u1ec3u bang v\u00e0 v\u00f9ng l\u00e3nh th\u1ed5 c\u1ee7a Hoa K\u1ef3, v\u00e0 t\u1ea1i nh\u1eefng n\u01a1i kh\u00e1c, c\u00f4ng ty cung c\u1ea5p d\u1ecbch v\u1ee5 th\u00f4ng qua quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi Community Federal Savings Bank. \u0110\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 c\u00f4ng ty cung c\u1ea5p, Wise tu\u00e2n th\u1ee7 c\u00e1c quy t\u1eafc v\u00e0 quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng, bao g\u1ed3m c\u1ea3 vi\u1ec7c c\u00f3 \u0111\u1ed9i ng\u0169 chuy\u00ean tr\u00e1ch ri\u00eang \u0111\u1ec3 b\u1ea3o v\u1ec7 ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ng\u0103n ch\u1eb7n gian l\u1eadn.<\/p>\n\n\n\n

Wise gi\u1eef ti\u1ec1n c\u1ee7a b\u1ea1n an to\u00e0n nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n

Wise s\u1eed d\u1ee5ng nhi\u1ec1u ph\u01b0\u01a1ng ph\u00e1p kh\u00e1c nhau \u0111\u1ec3 gi\u1eef ti\u1ec1n v\u00e0 d\u1eef li\u1ec7u c\u1ee7a kh\u00e1ch h\u00e0ng an to\u00e0n. Sau \u0111\u00e2y l\u00e0 c\u00e1c t\u00ednh n\u0103ng ch\u00ednh:<\/strong><\/p>\n\n\n\n