{"id":4178,"date":"2025-09-27T15:08:24","date_gmt":"2025-09-27T07:38:24","guid":{"rendered":"https:\/\/luatsu911.vn\/?p=4178"},"modified":"2025-09-27T15:08:50","modified_gmt":"2025-09-27T07:38:50","slug":"quy-trinh-va-thu-tuc-nop-ho-so-thu-nghiem-san-giao-dich-tai-san-so-theo-nghi-quyet-05-2025","status":"publish","type":"post","link":"https:\/\/luatsu911.vn\/?p=4178","title":{"rendered":"Quy tr\u00ecnh v\u00e0 th\u1ee7 t\u1ee5c n\u1ed9p h\u1ed3 s\u01a1 th\u1eed nghi\u1ec7m s\u00e0n giao d\u1ecbch t\u00e0i s\u1ea3n s\u1ed1 theo Ngh\u1ecb quy\u1ebft 05\/2025"},"content":{"rendered":"<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"577\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"83\" data-end=\"157\">Quy tr\u00ecnh t\u1ed1i thi\u1ec3u tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1 th\u1eed nghi\u1ec7m<\/strong> (d\u00e0nh cho h\u1ed3 s\u01a1 n\u1ed9p NHNN theo Ngh\u1ecb \u0111\u1ecbnh 94\/2025 v\u00e0\/ho\u1eb7c h\u1ed3 s\u01a1 li\u00ean quan th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n m\u00e3 h\u00f3a theo Ngh\u1ecb quy\u1ebft 05\/2025). <\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"577\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u1ea5u tr\u00fac: <\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"577\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">(1) M\u1ee5c ti\u00eau ph\u00e1p l\u00fd\/kinh doanh; <\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"577\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">(2) N\u1ed9i dung chi ti\u1ebft c\u1ea7n chu\u1ea9n b\u1ecb; <\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"577\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">(3) L\u00fd do ph\u00e1p l\u00fd \/ ti\u00eau chu\u1ea9n tham chi\u1ebfu; <\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"577\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">(4) M\u1eabu\/ghi ch\u00fa so\u1ea1n th\u1ea3o v\u00e0 c\u00e1c <strong data-start=\"456\" data-end=\"487\">bi\u1ec7n ph\u00e1p gi\u1ea3m thi\u1ec3u r\u1ee7i ro<\/strong> th\u1ef1c t\u1ebf. Nh\u1eefng \u0111i\u1ec3m b\u1eaft bu\u1ed9c theo lu\u1eadt\/ngh\u1ecb \u0111\u1ecbnh s\u1ebd \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn ph\u00eda d\u01b0\u1edbi t\u1eebng \u0111o\u1ea1n.<\/span><\/p>\n<hr data-start=\"579\" data-end=\"582\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"584\" data-end=\"663\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">1) H\u1ed3 s\u01a1 m\u00f4 t\u1ea3 s\u1ea3n ph\u1ea9m, use-cases v\u00e0 ph\u1ea1m vi th\u1eed nghi\u1ec7m (target users, caps)<\/span><\/h1>\n<p style=\"text-align: justify;\" data-start=\"665\" data-end=\"911\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"665\" data-end=\"678\">M\u1ee5c ti\u00eau:<\/strong> cho c\u01a1 quan qu\u1ea3n l\u00fd (NHNN) hi\u1ec3u to\u00e0n di\u1ec7n s\u1ea3n ph\u1ea9m, ph\u1ea1m vi th\u1eed nghi\u1ec7m, gi\u1edbi h\u1ea1n r\u1ee7i ro, v\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00f9ng. H\u1ed3 s\u01a1 n\u00e0y l\u00e0 \u201cb\u1ed9 x\u01b0\u01a1ng\u201d \u0111\u1ec3 NHNN quy\u1ebft \u0111\u1ecbnh c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn th\u1eed nghi\u1ec7m v\u00e0 \u0111\u1ec3 \u00e1p c\u00e1c gi\u1edbi h\u1ea1n (caps) an to\u00e0n.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"913\" data-end=\"966\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"913\" data-end=\"966\">N\u1ed9i dung t\u1ed1i thi\u1ec3u c\u1ea7n c\u00f3 (chi ti\u1ebft, c\u00f3 s\u1ed1 li\u1ec7u):<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"967\" data-end=\"2462\">\n<li data-start=\"967\" data-end=\"1061\">\n<p data-start=\"969\" data-end=\"1061\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"969\" data-end=\"989\">T\u00f3m t\u1eaft s\u1ea3n ph\u1ea9m<\/strong>: t\u00ean, phi\u00ean b\u1ea3n, nh\u00e0 ph\u00e1t tri\u1ec3n, m\u00f4 t\u1ea3 ch\u1ee9c n\u0103ng c\u1ed1t l\u00f5i (5\u201310 d\u00f2ng).<\/span><\/p>\n<\/li>\n<li data-start=\"1062\" data-end=\"1363\">\n<p data-start=\"1064\" data-end=\"1363\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"1064\" data-end=\"1111\">Ki\u1ebfn tr\u00fac k\u1ef9 thu\u1eadt (technical architecture)<\/strong>: s\u01a1 \u0111\u1ed3 lu\u1ed3ng d\u1eef li\u1ec7u, th\u00e0nh ph\u1ea7n (frontend, backend, database, HSM, third-party services), n\u01a1i l\u01b0u tr\u1eef d\u1eef li\u1ec7u (on-shore\/off-shore), giao di\u1ec7n t\u00edch h\u1ee3p (APIs) v\u00e0 \u0111i\u1ec3m t\u00edch h\u1ee3p v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. K\u00e8m b\u1ea3n m\u00f4 t\u1ea3 API (endpoints, auth, rate limits).<\/span><\/p>\n<\/li>\n<li data-start=\"1364\" data-end=\"1509\">\n<p data-start=\"1366\" data-end=\"1509\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"1366\" data-end=\"1395\">Use-cases &amp; user journeys<\/strong>: \u00edt nh\u1ea5t 3 k\u1ecbch b\u1ea3n \u0111i\u1ec3n h\u00ecnh (onboarding \u2192 giao d\u1ecbch \u2192 r\u00fat ti\u1ec1n \u2192 khi\u1ebfu n\u1ea1i), ch\u1ec9 r\u00f5 \u0111i\u1ec3m r\u1ee7i ro t\u1ea1i m\u1ed7i b\u01b0\u1edbc.<\/span><\/p>\n<\/li>\n<li data-start=\"1510\" data-end=\"1724\">\n<p data-start=\"1512\" data-end=\"1724\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"1512\" data-end=\"1542\">Target users &amp; eligibility<\/strong>: ai \u0111\u01b0\u1ee3c tham gia (v\u00ed d\u1ee5: ng\u01b0\u1eddi d\u00f9ng th\u1eed nghi\u1ec7m, nh\u00e2n vi\u00ean n\u1ed9i b\u1ed9, nh\u00f3m kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c ch\u1ecdn theo ti\u00eau ch\u00ed KYC nh\u1eb9), \u0111i\u1ec1u ki\u1ec7n tham gia (\u0111\u1ed9 tu\u1ed5i, qu\u1ed1c t\u1ecbch, t\u00ecnh tr\u1ea1ng t\u00e0i kho\u1ea3n).<\/span><\/p>\n<\/li>\n<li data-start=\"1725\" data-end=\"2062\">\n<p data-start=\"1727\" data-end=\"2062\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"1727\" data-end=\"1754\">Caps (gi\u1edbi h\u1ea1n an to\u00e0n)<\/strong>: danh m\u1ee5c gi\u1edbi h\u1ea1n \u0111\u1ecbnh l\u01b0\u1ee3ng \u0111\u1ec3 gi\u1edbi h\u1ea1n r\u1ee7i ro (v\u00ed d\u1ee5: t\u1ed1i \u0111a s\u1ed1 ng\u01b0\u1eddi tham gia ban \u0111\u1ea7u = 1.000 ng\u01b0\u1eddi; gi\u1edbi h\u1ea1n giao d\u1ecbch\/t\u00e0i kho\u1ea3n = 50 tri\u1ec7u VND\/ng\u00e0y; gi\u1edbi h\u1ea1n t\u1ed5ng exposure = 500 tri\u1ec7u VND; t\u1ea7n su\u1ea5t giao d\u1ecbch t\u1ed1i \u0111a\/kh\u00e1ch). M\u1ed7i cap ph\u1ea3i c\u00f3 <strong data-start=\"2000\" data-end=\"2020\">l\u00fd do \u0111\u1ecbnh l\u01b0\u1ee3ng<\/strong> (v\u00ed d\u1ee5: d\u1ef1a tr\u00ean m\u00f4 ph\u1ecfng stress test).<\/span><\/p>\n<\/li>\n<li data-start=\"2063\" data-end=\"2224\">\n<p data-start=\"2065\" data-end=\"2224\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2065\" data-end=\"2092\">KPIs &amp; success criteria<\/strong>: ch\u1ec9 s\u1ed1 \u0111\u1ec3 NHNN \u0111\u00e1nh gi\u00e1: th\u1eddi gian ph\u1ee5c h\u1ed3i (RTO), t\u1ec9 l\u1ec7 l\u1ed7i giao d\u1ecbch, % giao d\u1ecbch ph\u1ea3i review AML, m\u1ee9c \u0111\u1ed9 h\u00e0i l\u00f2ng kh\u00e1ch h\u00e0ng.<\/span><\/p>\n<\/li>\n<li data-start=\"2225\" data-end=\"2343\">\n<p data-start=\"2227\" data-end=\"2343\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2227\" data-end=\"2262\">Th\u1eddi gian &amp; l\u1ed9 tr\u00ecnh th\u1eed nghi\u1ec7m<\/strong>: b\u1eaft \u0111\u1ea7u, c\u00e1c m\u1ed1c (pilot \u2192 m\u1edf r\u1ed9ng), m\u1ed1c \u0111\u00e1nh gi\u00e1 trung gian (30\/90\/180 ng\u00e0y).<\/span><\/p>\n<\/li>\n<li data-start=\"2344\" data-end=\"2462\">\n<p data-start=\"2346\" data-end=\"2462\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2346\" data-end=\"2385\">Tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 &amp; rollback plan<\/strong>: \u0111i\u1ec1u ki\u1ec7n t\u1ea1m d\u1eebng th\u1eed nghi\u1ec7m, k\u1ecbch b\u1ea3n rollback, ng\u01b0\u1eddi ch\u1ecbu tr\u00e1ch nhi\u1ec7m.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"2464\" data-end=\"2755\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2464\" data-end=\"2506\">L\u00fd do ph\u00e1p l\u00fd \/ ti\u00eau chu\u1ea9n tham chi\u1ebfu:<\/strong> NHNN y\u00eau c\u1ea7u h\u1ed3 s\u01a1 m\u00f4 t\u1ea3 chi ti\u1ebft \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh ph\u1ea1m vi v\u00e0 r\u1ee7i ro tr\u01b0\u1edbc khi c\u1ea5p gi\u1ea5y ch\u1ee9ng nh\u1eadn th\u1eed nghi\u1ec7m; h\u1ed3 s\u01a1 ph\u1ea3i th\u1ec3 hi\u1ec7n r\u00f5 ph\u1ea1m vi tr\u00ean l\u00e3nh th\u1ed5 Vi\u1ec7t Nam v\u00e0 tu\u00e2n th\u1ee7 \u0111i\u1ec1u ki\u1ec7n t\u00e1ch b\u1ea1ch\/t\u1ed5ng h\u1ee3p b\u00e1o c\u00e1o. <span class=\"\" data-state=\"closed\"><span class=\"ms-1 inline-flex max-w-full items-center relative top-[-0.094rem] animate-[show_150ms_ease-in]\" data-testid=\"webpage-citation-pill\"><a class=\"flex h-4.5 overflow-hidden rounded-xl px-2 text-[9px] font-medium transition-colors duration-150 ease-in-out text-token-text-secondary! bg-[#F4F4F4]! dark:bg-[#303030]!\" href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Tien-te-Ngan-hang\/Nghi-dinh-94-2025-ND-CP-Co-che-thu-nghiem-co-kiem-soat-trong-linh-vuc-ngan-hang-584706.aspx?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"><span class=\"relative start-0 bottom-0 flex h-full w-full items-center\"><span class=\"flex h-4 w-full items-center justify-between\"><span class=\"max-w-[15ch] grow truncate overflow-hidden text-center\">TH\u01af VI\u1ec6N PH\u00c1P LU\u1eacT<\/span><span class=\"-me-1 flex h-full items-center rounded-full px-1 text-[#8F8F8F]\">+1<\/span><\/span><\/span><\/a><\/span><\/span><\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"2757\" data-end=\"2793\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2757\" data-end=\"2793\">Ghi ch\u00fa so\u1ea1n th\u1ea3o (m\u1eb9o th\u1ef1c t\u1ebf):<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"2794\" data-end=\"3108\">\n<li data-start=\"2794\" data-end=\"2909\">\n<p data-start=\"2796\" data-end=\"2909\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ph\u00e2n t\u00e1ch ph\u1ea7n <strong data-start=\"2811\" data-end=\"2819\">Tech<\/strong> (s\u01a1 \u0111\u1ed3, endpoint, auth) v\u00e0 <strong data-start=\"2847\" data-end=\"2867\">Legal\/Compliance<\/strong> (quy\u1ec1n, tr\u00e1ch nhi\u1ec7m, trigger \u0111\u00ecnh ch\u1ec9).<\/span><\/p>\n<\/li>\n<li data-start=\"2910\" data-end=\"3025\">\n<p data-start=\"2912\" data-end=\"3025\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">K\u00e8m Annex: m\u00f4 t\u1ea3 data flow chi ti\u1ebft (DFD) \u0111\u1ec3 ph\u1ee5c v\u1ee5 \u0111\u00e1nh gi\u00e1 b\u1ea3o m\u1eadt v\u00e0 GDPR-like DPIA n\u1ebfu c\u00f3 d\u1eef li\u1ec7u c\u00e1 nh\u00e2n.<\/span><\/p>\n<\/li>\n<li data-start=\"3026\" data-end=\"3108\">\n<p data-start=\"3028\" data-end=\"3108\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">D\u00f9ng ng\u00f4n ng\u1eef s\u1ed1 h\u00f3a: lu\u00f4n c\u00f3 s\u1ed1 li\u1ec7u m\u00f4 ph\u1ecfng stress \u0111\u1ec3 bi\u1ec7n minh cho c\u00e1c caps.<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"3110\" data-end=\"3113\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"3115\" data-end=\"3216\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">2) Ph\u00e2n t\u00edch r\u1ee7i ro (r\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng, r\u1ee7i ro ph\u00e1p l\u00fd, r\u1ee7i ro thanh kho\u1ea3n) k\u00e8m bi\u1ec7n ph\u00e1p gi\u1ea3m thi\u1ec3u<\/span><\/h1>\n<p style=\"text-align: justify;\" data-start=\"3218\" data-end=\"3388\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3218\" data-end=\"3231\">M\u1ee5c ti\u00eau:<\/strong> ch\u1ee9ng minh n\u0103ng l\u1ef1c nh\u1eadn di\u1ec7n r\u1ee7i ro v\u00e0 c\u00f3 k\u1ebf ho\u1ea1ch ki\u1ec3m so\u00e1t \u2014 c\u01a1 quan c\u1ea5p ph\u00e9p \u0111\u00e1nh gi\u00e1 xem t\u1ed5 ch\u1ee9c c\u00f3 n\u0103ng l\u1ef1c v\u1eadn h\u00e0nh an to\u00e0n trong ph\u1ea1m vi th\u1eed nghi\u1ec7m.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"3390\" data-end=\"3487\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3390\" data-end=\"3487\">Ph\u00e2n lo\u1ea1i &amp; n\u1ed9i dung ph\u00e2n t\u00edch (m\u1ed7i m\u1ee5c ph\u1ea3i c\u00f3 \u0111\u00e1nh gi\u00e1 likelihood \u00d7 impact + KPI gi\u00e1m s\u00e1t):<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"3489\" data-end=\"3531\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">A. <strong data-start=\"3492\" data-end=\"3531\">R\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng (Operational risk)<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"3532\" data-end=\"4020\">\n<li data-start=\"3532\" data-end=\"3663\">\n<p data-start=\"3534\" data-end=\"3663\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><em data-start=\"3534\" data-end=\"3546\">Scenarios:<\/em> downtime, l\u1ed7i logic (smart contract bug), provider failure (cloud outage), insider fraud, supply-chain compromise.<\/span><\/p>\n<\/li>\n<li data-start=\"3664\" data-end=\"3733\">\n<p data-start=\"3666\" data-end=\"3733\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><em data-start=\"3666\" data-end=\"3689\">Metrics \u0111\u1ec3 tr\u00ecnh b\u00e0y:<\/em> MTTR, MTTD, RTO\/RPO, SLA c\u1ee7a 3rd parties.<\/span><\/p>\n<\/li>\n<li data-start=\"3734\" data-end=\"4020\">\n<p data-start=\"3736\" data-end=\"4020\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><em data-start=\"3736\" data-end=\"3750\">Mitigations:<\/em> \u0111a v\u00f9ng h\u1ea1 t\u1ea7ng (multi-AZ), DR site, backup &amp; restore tested, m\u00e3 h\u00f3a d\u1eef li\u1ec7u (AES-256), logs immutable, least privilege, pentest \u0111\u1ecbnh k\u1ef3. Tr\u00ecnh b\u00e0y playbook incident response &amp; contact list. (tham chi\u1ebfu NIST SP800-115 cho testing)<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"4022\" data-end=\"4069\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">B. <strong data-start=\"4025\" data-end=\"4069\">R\u1ee7i ro ph\u00e1p l\u00fd (Legal \/ regulatory risk)<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"4070\" data-end=\"4521\">\n<li data-start=\"4070\" data-end=\"4214\">\n<p data-start=\"4072\" data-end=\"4214\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><em data-start=\"4072\" data-end=\"4084\">Scenarios:<\/em> vi ph\u1ea1m AML\/KYC, x\u1eed l\u00fd sai d\u1eef li\u1ec7u c\u00e1 nh\u00e2n, cung c\u1ea5p d\u1ecbch v\u1ee5 v\u01b0\u1ee3t ph\u1ea1m vi th\u1eed nghi\u1ec7m, vi ph\u1ea1m \u0111i\u1ec1u kho\u1ea3n h\u1ee3p t\u00e1c v\u1edbi ng\u00e2n h\u00e0ng.<\/span><\/p>\n<\/li>\n<li data-start=\"4215\" data-end=\"4521\">\n<p data-start=\"4217\" data-end=\"4521\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><em data-start=\"4217\" data-end=\"4231\">Mitigations:<\/em> KYC rulesets, AML watchlist, c\u01a1 ch\u1ebf review ph\u00e1p l\u00fd tr\u01b0\u1edbc release, \u0111i\u1ec1u kho\u1ea3n b\u1ed3i th\u01b0\u1eddng\/indemnity trong H\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c. Ph\u1ea3i th\u1ec3 hi\u1ec7n k\u1ebf ho\u1ea1ch b\u00e1o c\u00e1o &amp; ph\u1ed1i h\u1ee3p v\u1edbi c\u01a1 quan khi c\u00f3 s\u1ef1 c\u1ed1. (tham chi\u1ebfu Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n v\u00e0 Ngh\u1ecb \u0111\u1ecbnh 94\/2025).\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"4523\" data-end=\"4587\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C. <strong data-start=\"4526\" data-end=\"4587\">R\u1ee7i ro thanh kho\u1ea3n \/ th\u1ecb tr\u01b0\u1eddng (Liquidity &amp; market risk)<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"4588\" data-end=\"5052\">\n<li data-start=\"4588\" data-end=\"4715\">\n<p data-start=\"4590\" data-end=\"4715\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><em data-start=\"4590\" data-end=\"4602\">Scenarios:<\/em> run on platform, thanh kho\u1ea3n kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 x\u1eed l\u00fd l\u1ec7nh r\u00fat, gi\u00e1 t\u00e0i s\u1ea3n bi\u1ebfn \u0111\u1ed9ng l\u1edbn (n\u1ebfu x\u1eed l\u00fd t\u00e0i s\u1ea3n m\u00e3 h\u00f3a).<\/span><\/p>\n<\/li>\n<li data-start=\"4716\" data-end=\"5052\">\n<p data-start=\"4718\" data-end=\"5052\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><em data-start=\"4718\" data-end=\"4732\">Mitigations:<\/em> gi\u1edbi h\u1ea1n caps, ch\u00ednh s\u00e1ch b\u1ea3o t\u1ed3n thanh kho\u1ea3n (reserve), escrow\/custody arrangements, stress test thanh kho\u1ea3n, insurance coverage (cyber &amp; custodian insurance). N\u1ebfu l\u00e0 t\u00e0i s\u1ea3n m\u00e3 h\u00f3a: m\u00f4 t\u1ea3 c\u01a1 ch\u1ebf settlement &amp; kh\u1ea3 n\u0103ng v\u00f2ng quay. (tham chi\u1ebfu Ngh\u1ecb quy\u1ebft 05 v\u1ec1 t\u1ea5t to\u00e1n khi thu h\u1ed3i).\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"5054\" data-end=\"5240\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5054\" data-end=\"5076\">Y\u00eau c\u1ea7u tr\u00ecnh b\u00e0y:<\/strong> cho m\u1ed7i r\u1ee7i ro ph\u1ea3i c\u00f3 (i) m\u00f4 t\u1ea3 s\u1ef1 ki\u1ec7n; (ii) x\u00e1c su\u1ea5t &amp; h\u1eadu qu\u1ea3; (iii) bi\u1ec7n ph\u00e1p ki\u1ec3m so\u00e1t; (iv) ch\u1ec9 s\u1ed1 gi\u00e1m s\u00e1t v\u00e0 m\u1ed1c c\u1ea3nh b\u00e1o; (v) tr\u00e1ch nhi\u1ec7m c\u00e1 nh\u00e2n (RACI).<\/span><\/p>\n<hr data-start=\"5242\" data-end=\"5245\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"5247\" data-end=\"5302\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">3) Ch\u00ednh s\u00e1ch KYC\/AML v\u00e0 quy tr\u00ecnh gi\u00e1m s\u00e1t giao d\u1ecbch<\/span><\/h1>\n<p style=\"text-align: justify;\" data-start=\"5304\" data-end=\"5492\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5304\" data-end=\"5325\">M\u1ee5c ti\u00eau ph\u00e1p l\u00fd:<\/strong> tu\u00e2n th\u1ee7 Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n (v\u00e0 c\u00e1c h\u01b0\u1edbng d\u1eabn hi\u1ec7n h\u00e0nh), b\u00e1o c\u00e1o giao d\u1ecbch \u0111\u00e1ng ng\u1edd, gi\u1eef logs ph\u1ee5c v\u1ee5 tra c\u1ee9u\/gi\u00e1m s\u00e1t.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"5494\" data-end=\"5529\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5494\" data-end=\"5529\">N\u1ed9i dung b\u1eaft bu\u1ed9c &amp; th\u1ef1c chi\u1ebfn:<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"5530\" data-end=\"6801\">\n<li data-start=\"5530\" data-end=\"5728\">\n<p data-start=\"5532\" data-end=\"5728\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5532\" data-end=\"5572\">KYC (Customer Due Diligence) levels:<\/strong> x\u00e1c \u0111\u1ecbnh 3 c\u1ea5p \u0111\u1ed9 KYC (basic\/enhanced\/continuous) d\u1ef1a tr\u00ean r\u1ee7i ro; t\u00e0i li\u1ec7u b\u1eaft bu\u1ed9c cho m\u1ed7i c\u1ea5p (CMND\/CCCD, H\u1ed9 chi\u1ebfu + \u1ea3nh t\u1ef1 ch\u1ee5p, \u0111\u1ecba ch\u1ec9, ngu\u1ed3n v\u1ed1n).<\/span><\/p>\n<\/li>\n<li data-start=\"5729\" data-end=\"5856\">\n<p data-start=\"5731\" data-end=\"5856\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5731\" data-end=\"5761\">BO (Beneficial Ownership):<\/strong> quy tr\u00ecnh x\u00e1c minh ch\u1ee7 s\u1edf h\u1eefu th\u1ef1c \u0111\u1ed1i v\u1edbi kh\u00e1ch ph\u00e1p nh\u00e2n (\u1ee9ng d\u1ee5ng cho t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh).<\/span><\/p>\n<\/li>\n<li data-start=\"5857\" data-end=\"5953\">\n<p data-start=\"5859\" data-end=\"5953\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5859\" data-end=\"5889\">Sanctions &amp; PEP screening:<\/strong> g\u1ecdi API t\u1edbi provider (World-Check, OFAC, EU lists) \u2192 records.<\/span><\/p>\n<\/li>\n<li data-start=\"5954\" data-end=\"6203\">\n<p data-start=\"5956\" data-end=\"6203\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5956\" data-end=\"6010\">Ongoing monitoring \/ Transaction Monitoring Rules:<\/strong> rule-based + anomaly detection (thresholds, velocity checks, country risk). Ph\u1ea3i m\u00f4 t\u1ea3 logic rule (v\u00ed d\u1ee5: &gt;X giao d\u1ecbch \/ Y ph\u00fat; t\u1ed5ng &gt;Z trong 24h) v\u00e0 h\u00e0nh \u0111\u1ed9ng (auto-block + manual review).<\/span><\/p>\n<\/li>\n<li data-start=\"6204\" data-end=\"6485\">\n<p data-start=\"6206\" data-end=\"6485\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6206\" data-end=\"6244\">Suspicious Activity Reports (SAR):<\/strong> k\u1ecbch b\u1ea3n ph\u00e1t hi\u1ec7n \u2192 b\u00e1o c\u00e1o n\u1ed9i b\u1ed9 \u2192 quy\u1ebft \u0111\u1ecbnh g\u1eedi SAR t\u1edbi c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n; tr\u00ecnh t\u1ef1, m\u1eabu b\u00e1o c\u00e1o v\u00e0 SLA (v\u00ed d\u1ee5 b\u00e1o c\u00e1o \u0111\u1ed9t xu\u1ea5t trong 24\u201372h). Lu\u1eadt AML n\u00eau r\u00f5 ngh\u0129a v\u1ee5 b\u00e1o c\u00e1o v\u00e0 tr\u00e1ch nhi\u1ec7m.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"6486\" data-end=\"6598\">\n<p data-start=\"6488\" data-end=\"6598\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6488\" data-end=\"6515\">Gi\u1eef logs \/ audit trail:<\/strong> immutable logs, retention policy (v\u00ed d\u1ee5: l\u01b0u 7 n\u0103m), truy xu\u1ea5t ph\u1ee5c v\u1ee5 \u0111i\u1ec1u tra.<\/span><\/p>\n<\/li>\n<li data-start=\"6599\" data-end=\"6801\">\n<p data-start=\"6601\" data-end=\"6801\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6601\" data-end=\"6620\">Privacy &amp; DPIA:<\/strong> m\u00f4 t\u1ea3 c\u0103n c\u1ee9 x\u1eed l\u00fd d\u1eef li\u1ec7u theo Lu\u1eadt B\u1ea3o v\u1ec7 D\u1eef li\u1ec7u c\u00e1 nh\u00e2n; n\u1ebfu c\u00f3 chuy\u1ec3n d\u1eef li\u1ec7u xuy\u00ean bi\u00ean gi\u1edbi ph\u1ea3i c\u00f3 \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng (DPIA) theo lu\u1eadt.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"6803\" data-end=\"6913\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6803\" data-end=\"6826\">KPI\/thang \u0111\u00e1nh gi\u00e1:<\/strong> % giao d\u1ecbch b\u1ecb review, th\u1eddi gian trung b\u00ecnh \u0111\u1ec3 close m\u1ed9t case AML, s\u1ed1 SAR g\u1eedi \/ th\u00e1ng.<\/span><\/p>\n<hr data-start=\"6915\" data-end=\"6918\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"6920\" data-end=\"7021\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">4) B\u1ea3n sao h\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c v\u1edbi ng\u00e2n h\u00e0ng (n\u1ebfu c\u00f3), h\u1ee3p \u0111\u1ed3ng l\u01b0u k\u00fd \/ escrow cho t\u00e0i s\u1ea3n kh\u00e1ch h\u00e0ng<\/span><\/h1>\n<p style=\"text-align: justify;\" data-start=\"7023\" data-end=\"7177\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7023\" data-end=\"7036\">M\u1ee5c ti\u00eau:<\/strong> r\u00f5 r\u00e0ng ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m, quy\u1ec1n truy c\u1eadp, SLA v\u1eadn h\u00e0nh, c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n kh\u00e1ch h\u00e0ng, \u0111i\u1ec1u kho\u1ea3n exit\/transfer khi d\u1eebng th\u1eed nghi\u1ec7m.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"7179\" data-end=\"7237\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7179\" data-end=\"7237\">C\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1eaft bu\u1ed9c\/khuy\u1ebfn ngh\u1ecb (chi ti\u1ebft c\u1ea7n c\u00f3):<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"7238\" data-end=\"8583\">\n<li data-start=\"7238\" data-end=\"7373\">\n<p data-start=\"7240\" data-end=\"7373\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7240\" data-end=\"7261\">Scope &amp; services:<\/strong> m\u00f4 t\u1ea3 ch\u00ednh x\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng cung c\u1ea5p (settlement, thanh to\u00e1n, KYC verified accounts, reserve accounts).<\/span><\/p>\n<\/li>\n<li data-start=\"7374\" data-end=\"7722\">\n<p data-start=\"7376\" data-end=\"7722\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7376\" data-end=\"7419\">Segregation of assets \/ Custody clause:<\/strong> quy \u0111\u1ecbnh t\u00e1ch b\u1ea1ch t\u00e0i kho\u1ea3n\/t\u00e0i s\u1ea3n kh\u00e1ch h\u00e0ng v\u1edbi t\u00e0i s\u1ea3n c\u00f4ng ty; quy tr\u00ecnh x\u00e1c th\u1ef1c chuy\u1ec3n ti\u1ec1n\/ti\u1ec1n g\u1eedi; bi\u1ec7n ph\u00e1p v\u1eadt l\u00fd\/logic cho custody (multi-sig, HSM). (NQ05\/N\u011094 nh\u1ea5n m\u1ea1nh t\u00e1ch b\u1ea1ch t\u00e0i s\u1ea3n kh\u00e1ch h\u00e0ng v\u00e0 y\u00eau c\u1ea7u x\u1eed l\u00fd t\u1ea5t to\u00e1n khi thu h\u1ed3i gi\u1ea5y ph\u00e9p).\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"7723\" data-end=\"7876\">\n<p data-start=\"7725\" data-end=\"7876\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7725\" data-end=\"7739\">SLA &amp; Ops:<\/strong> availability targets, incident notification windows (v\u00ed d\u1ee5: th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1 nghi\u00eam tr\u1ecdng trong 24h), backup, reconciliation frequency.<\/span><\/p>\n<\/li>\n<li data-start=\"7877\" data-end=\"8088\">\n<p data-start=\"7879\" data-end=\"8088\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"7879\" data-end=\"7908\">Audit &amp; right to inspect:<\/strong> quy\u1ec1n NHNN\/third-party auditor \/ bank audit access; periodic proof-of-reserves (n\u1ebfu li\u00ean quan crypto). Th\u00eam clause y\u00eau c\u1ea7u cung c\u1ea5p evidence\/records nhanh khi regulator y\u00eau c\u1ea7u.<\/span><\/p>\n<\/li>\n<li data-start=\"8089\" data-end=\"8164\">\n<p data-start=\"8091\" data-end=\"8164\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"8091\" data-end=\"8111\">AML cooperation:<\/strong> chia s\u1ebb data theo quy \u0111\u1ecbnh AML, ph\u1ed1i h\u1ee3p \u0111i\u1ec1u tra.<\/span><\/p>\n<\/li>\n<li data-start=\"8165\" data-end=\"8271\">\n<p data-start=\"8167\" data-end=\"8271\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"8167\" data-end=\"8199\">Liability, indemnity &amp; caps:<\/strong> ph\u00e2n chia r\u1ee7i ro; \u0111i\u1ec1u kho\u1ea3n b\u1ed3i th\u01b0\u1eddng khi thi\u1ec7t h\u1ea1i do l\u1ed7i\/vi ph\u1ea1m.<\/span><\/p>\n<\/li>\n<li data-start=\"8272\" data-end=\"8583\">\n<p data-start=\"8274\" data-end=\"8583\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"8274\" data-end=\"8307\">Termination &amp; exit mechanics:<\/strong> trigger events (revocation of trial certificate, insolvency), th\u1ee7 t\u1ee5c chuy\u1ec3n giao t\u00e0i s\u1ea3n kh\u00e1ch h\u00e0ng, timeline (v\u00ed d\u1ee5: 30\u201345 ng\u00e0y \u0111\u1ec3 t\u1ea5t to\u00e1n), ng\u01b0\u1eddi ch\u1ecbu chi ph\u00ed chuy\u1ec3n giao. (NQ05 quy \u0111\u1ecbnh t\u1ea5t to\u00e1n trong 45 ng\u00e0y khi thu h\u1ed3i gi\u1ea5y ph\u00e9p).\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"8585\" data-end=\"8647\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"8585\" data-end=\"8647\">M\u1eabu clause ng\u1eafn (v\u00ed d\u1ee5 custody \/ segregation, ti\u1ebfng Vi\u1ec7t):<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"8650\" data-end=\"9130\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u201cB\u00ean B\u1ea3o qu\u1ea3n (Bank\/Custodian) cam k\u1ebft gi\u1eef v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n c\u1ee7a Kh\u00e1ch h\u00e0ng t\u00e1ch bi\u1ec7t ho\u00e0n to\u00e0n v\u1edbi t\u00e0i s\u1ea3n c\u1ee7a B\u00ean A theo c\u00e1c t\u00e0i kho\u1ea3n l\u01b0u k\u00fd ri\u00eang; m\u1ecdi l\u1ec7nh chuy\u1ec3n kho\u1ea3n\/t\u00e0i s\u1ea3n ph\u1ea3i c\u00f3 ch\u1eef k\u00fd \u1ee7y quy\u1ec1n\/OTP theo quy tr\u00ecnh x\u00e1c th\u1ef1c hai y\u1ebfu t\u1ed1. Trong tr\u01b0\u1eddng h\u1ee3p Gi\u1ea5y ch\u1ee9ng nh\u1eadn th\u1eed nghi\u1ec7m b\u1ecb thu h\u1ed3i, B\u00ean B\u1ea3o qu\u1ea3n ph\u1ed1i h\u1ee3p v\u1edbi B\u00ean A \u0111\u1ec3 chuy\u1ec3n to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n kh\u00e1ch h\u00e0ng sang t\u1ed5 ch\u1ee9c do Kh\u00e1ch h\u00e0ng ch\u1ec9 \u0111\u1ecbnh trong v\u00f2ng kh\u00f4ng qu\u00e1 45 (b\u1ed1n m\u01b0\u01a1i l\u0103m) ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y nh\u1eadn th\u00f4ng b\u00e1o.\u201d<\/span><\/p>\n<hr data-start=\"9132\" data-end=\"9135\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"9137\" data-end=\"9209\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">5) Ch\u1ee9ng nh\u1eadn an ninh th\u00f4ng tin (SOC2 \/ ISO27001 ho\u1eb7c b\u00e1o c\u00e1o pentest)<\/span><\/h1>\n<p style=\"text-align: justify;\" data-start=\"9211\" data-end=\"9504\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9211\" data-end=\"9224\">M\u1ee5c ti\u00eau:<\/strong> ch\u1ee9ng minh h\u1ec7 th\u1ed1ng an to\u00e0n, c\u00f3 ISMS &amp; ki\u1ec3m so\u00e1t v\u1eadn h\u00e0nh theo chu\u1ea9n qu\u1ed1c t\u1ebf; NHNN\/\u0111\u1ed1i t\u00e1c s\u1ebd \u01b0u ti\u00ean h\u1ed3 s\u01a1 c\u00f3 ch\u1ee9ng nh\u1eadn\/ki\u1ec3m \u0111\u1ecbnh. ISO\/IEC 27001 l\u00e0 ti\u00eau chu\u1ea9n ISMS; SOC 2 l\u00e0 b\u00e1o c\u00e1o ki\u1ec3m to\u00e1n ki\u1ec3m so\u00e1t d\u1ecbch v\u1ee5; pentest theo NIST SP800-115. <\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"9211\" data-end=\"9504\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9506\" data-end=\"9527\">Chi ti\u1ebft c\u1ea7n n\u1ed9p:<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"9528\" data-end=\"10457\">\n<li data-start=\"9528\" data-end=\"9738\">\n<p data-start=\"9530\" data-end=\"9738\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9530\" data-end=\"9573\">N\u1ebfu c\u00f3 ISO\/IEC 27001 (ho\u1eb7c t\u01b0\u01a1ng \u0111\u01b0\u01a1ng)<\/strong>: n\u1ed9p ch\u1ee9ng nh\u1eadn + scope (ph\u1ea1m vi \u00e1p d\u1ee5ng), b\u1ea3n t\u00f3m t\u1eaft ISMS (risk register high-level), evidence of continual improvement.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"9739\" data-end=\"9907\">\n<p data-start=\"9741\" data-end=\"9907\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9741\" data-end=\"9813\">N\u1ebfu kh\u00f4ng c\u00f3 ISO, \u00edt nh\u1ea5t ph\u1ea3i c\u00f3 SOC 2 Type II (ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3)<\/strong>: n\u1ed9p report (covering period) v\u00e0 executive summary.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"9908\" data-end=\"10144\">\n<p data-start=\"9910\" data-end=\"10144\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"9910\" data-end=\"9940\">Pentest \/ vuln assessment:<\/strong> recent pentest report (kh\u00f4ng qu\u00e1 6 th\u00e1ng), vulnerability remediation plan, v\u00e0 NIST SP800-115 test plan &amp; results (blackbox\/graybox tests, CVE list, risk rating).<\/span><\/p>\n<\/li>\n<li data-start=\"10145\" data-end=\"10266\">\n<p data-start=\"10147\" data-end=\"10266\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10147\" data-end=\"10181\">HSM \/ Key management evidence:<\/strong> n\u1ebfu d\u00f9ng crypto keys, n\u00eau HSM model, key lifecycle policy, key rotation frequency.<\/span><\/p>\n<\/li>\n<li data-start=\"10267\" data-end=\"10457\">\n<p data-start=\"10269\" data-end=\"10457\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10269\" data-end=\"10304\">Proof-of-reserves \/ attestation<\/strong> (n\u1ebfu custody crypto): independent attestation c\u01a1 ch\u1ebf. (tham kh\u1ea3o chu\u1ea9n FCA \u0111ang tri\u1ec3n khai guidance v\u1ec1 custody).<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"10459\" data-end=\"10615\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10459\" data-end=\"10478\">T\u1ea7n su\u1ea5t &amp; KPI:<\/strong> pentest t\u1ed1i thi\u1ec3u 1 l\u1ea7n\/n\u0103m + after major release; vuln scanning weekly; SOC2 annual; ISO recert every 3 years with annual surveillance.<\/span><\/p>\n<hr data-start=\"10617\" data-end=\"10620\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"10622\" data-end=\"10682\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">6) K\u1ebf ho\u1ea1ch truy\u1ec1n th\u00f4ng &amp; gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i kh\u00e1ch h\u00e0ng<\/span><\/h1>\n<p style=\"text-align: justify;\" data-start=\"10684\" data-end=\"10904\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10684\" data-end=\"10697\">M\u1ee5c ti\u00eau:<\/strong> b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng, minh b\u1ea1ch th\u00f4ng tin v\u00e0 gi\u1ea3m r\u1ee7i ro reputational; \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u00f4ng b\u1ed1 s\u1ef1 c\u1ed1 (v\u00ed d\u1ee5 NQ05 y\u00eau c\u1ea7u c\u00f4ng b\u1ed1 b\u1ea5t th\u01b0\u1eddng trong v\u00f2ng 24h v\u1edbi s\u00e0n).<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"10906\" data-end=\"10939\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10906\" data-end=\"10939\">Y\u00eau c\u1ea7u k\u1ebf ho\u1ea1ch ph\u1ea3i n\u00eau r\u00f5:<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"10940\" data-end=\"11785\">\n<li data-start=\"10940\" data-end=\"11059\">\n<p data-start=\"10942\" data-end=\"11059\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"10942\" data-end=\"10971\">Th\u00f4ng b\u00e1o tr\u01b0\u1edbc tham gia:<\/strong> n\u1ed9i dung consent &amp; risk disclosure (m\u1eabu v\u0103n b\u1ea3n r\u1ee7i ro ph\u1ea3i \u0111\u01b0\u1ee3c k\u00fd\/\u0111\u1ed3ng \u00fd b\u1edfi user).<\/span><\/p>\n<\/li>\n<li data-start=\"11060\" data-end=\"11319\">\n<p data-start=\"11062\" data-end=\"11319\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11062\" data-end=\"11093\">K\u1ecbch b\u1ea3n s\u1ef1 c\u1ed1 &amp; th\u00f4ng b\u00e1o:<\/strong> timeline (T0: detect \u2192 T+1h: internal alert \u2192 T+24h: th\u00f4ng b\u00e1o c\u00f4ng khai n\u1ebfu \u1ea3nh h\u01b0\u1edfng giao d\u1ecbch kh\u00e1ch h\u00e0ng; PDPL quy \u0111\u1ecbnh th\u00f4ng b\u00e1o vi ph\u1ea1m d\u1eef li\u1ec7u ch\u1eadm nh\u1ea5t 72h n\u1ebfu c\u00f3 th\u1ec3 g\u00e2y h\u1ea1i).\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"11320\" data-end=\"11484\">\n<p data-start=\"11322\" data-end=\"11484\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11322\" data-end=\"11364\">Quy tr\u00ecnh ti\u1ebfp nh\u1eadn &amp; x\u1eed l\u00fd khi\u1ebfu n\u1ea1i:<\/strong> k\u00eanh ti\u1ebfp nh\u1eadn (email, hotline), SLA (acknowledge within 24h, resolution within 15 business days), escalation matrix.<\/span><\/p>\n<\/li>\n<li data-start=\"11485\" data-end=\"11618\">\n<p data-start=\"11487\" data-end=\"11618\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11487\" data-end=\"11515\">Communication templates:<\/strong> th\u00f4ng c\u00e1o b\u00e1o ch\u00ed, FAQs, email m\u1eabu cho kh\u00e1ch, h\u01b0\u1edbng d\u1eabn t\u1ef1 b\u1ea3o v\u1ec7 (change password, freeze account).<\/span><\/p>\n<\/li>\n<li data-start=\"11619\" data-end=\"11785\">\n<p data-start=\"11621\" data-end=\"11785\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11621\" data-end=\"11648\">Reporting to regulator:<\/strong> b\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3 + \u0111\u1ed9t xu\u1ea5t theo m\u1eabu Ngh\u1ecb \u0111\u1ecbnh 94\/NHNN (v\u00ed d\u1ee5: b\u00e1o c\u00e1o h\u00e0ng qu\u00fd &amp; b\u00e1o c\u00e1o s\u1ef1 c\u1ed1).\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<hr data-start=\"11787\" data-end=\"11790\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"11792\" data-end=\"11863\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">7) K\u1ebf ho\u1ea1ch \u201cexit\u201d v\u00e0 chuy\u1ec3n giao d\u1eef li\u1ec7u\/t\u00e0i s\u1ea3n khi d\u1eebng th\u1eed nghi\u1ec7m<\/span><\/h1>\n<p style=\"text-align: justify;\" data-start=\"11865\" data-end=\"12125\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"11865\" data-end=\"11886\">M\u1ee5c ti\u00eau ph\u00e1p l\u00fd:<\/strong> \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng khi th\u1eed nghi\u1ec7m k\u1ebft th\u00fac\/\u0111\u00ecnh ch\u1ec9\/thu h\u1ed3i; minh b\u1ea1ch c\u00e1c th\u1ee7 t\u1ee5c t\u1ea5t to\u00e1n. NQ05\/N\u011094 n\u00eau r\u00f5 c\u01a1 ch\u1ebf t\u1ea5t to\u00e1n v\u00e0 th\u1eddi h\u1ea1n chuy\u1ec3n giao khi thu h\u1ed3i gi\u1ea5y ph\u00e9p (v\u00ed d\u1ee5 45 ng\u00e0y).<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"12127\" data-end=\"12165\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12127\" data-end=\"12165\">N\u1ed9i dung b\u1eaft bu\u1ed9c &amp; th\u1ef1c h\u00e0nh t\u1ed1t:<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"12166\" data-end=\"13313\">\n<li data-start=\"12166\" data-end=\"12286\">\n<p data-start=\"12168\" data-end=\"12286\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12168\" data-end=\"12186\">Trigger events<\/strong> (d\u1eebng th\u1eed nghi\u1ec7m): h\u1ebft h\u1ea1n, thu h\u1ed3i, insolvency, r\u1ee7i ro h\u1ec7 th\u1ed1ng nghi\u00eam tr\u1ecdng, y\u00eau c\u1ea7u regulator.<\/span><\/p>\n<\/li>\n<li data-start=\"12287\" data-end=\"12350\">\n<p data-start=\"12289\" data-end=\"12350\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12289\" data-end=\"12315\">Freeze new onboarding:<\/strong> ngay khi c\u00f3 quy\u1ebft \u0111\u1ecbnh t\u1ea1m d\u1eebng.<\/span><\/p>\n<\/li>\n<li data-start=\"12351\" data-end=\"12659\">\n<p data-start=\"12353\" data-end=\"12659\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12353\" data-end=\"12399\">T\u1ea5t to\u00e1n &amp; chuy\u1ec3n giao t\u00e0i s\u1ea3n kh\u00e1ch h\u00e0ng:<\/strong> c\u01a1 ch\u1ebf escrow\/h\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n s\u1eb5n s\u00e0ng (hot wallet \u2192 cold custodian chuy\u1ec3n; n\u1ebfu l\u00e0 ti\u1ec1n fiat: chuy\u1ec3n v\u1ec1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kh\u00e1ch). Th\u1eddi h\u1ea1n th\u1ef1c hi\u1ec7n, \u0111\u01a1n v\u1ecb ph\u1ee5 tr\u00e1ch, v\u00e0 chi ph\u00ed (ai ch\u1ecbu). (NQ05: allote 45 days).<\/span><\/p>\n<\/li>\n<li data-start=\"12660\" data-end=\"12903\">\n<p data-start=\"12662\" data-end=\"12903\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12662\" data-end=\"12692\">Data migration &amp; deletion:<\/strong> tu\u00e2n th\u1ee7 Lu\u1eadt B\u1ea3o v\u1ec7 D\u1eef li\u1ec7u c\u00e1 nh\u00e2n: DPIA cho chuy\u1ec3n d\u1eef li\u1ec7u xuy\u00ean bi\u00ean gi\u1edbi; y\u00eau c\u1ea7u \u0111\u1ed3ng \u00fd kh\u00e1ch n\u1ebfu c\u1ea7n; l\u01b0u retention policy; ti\u00eau chu\u1ea9n m\u00e3 h\u00f3a d\u1eef li\u1ec7u khi chuy\u1ec3n.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"12904\" data-end=\"13055\">\n<p data-start=\"12906\" data-end=\"13055\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"12906\" data-end=\"12936\">Ch\u1ee7 quy\u1ec1n &amp; proof process:<\/strong> l\u1eadp bi\u00ean b\u1ea3n x\u00e1c nh\u1eadn s\u1ed1 d\u01b0\/t\u00e0i s\u1ea3n c\u1ee7a m\u1ed7i kh\u00e1ch (onchain proof, account statements) l\u00e0m evidence tr\u01b0\u1edbc khi chuy\u1ec3n.<\/span><\/p>\n<\/li>\n<li data-start=\"13056\" data-end=\"13313\">\n<p data-start=\"13058\" data-end=\"13313\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"13058\" data-end=\"13087\">Fallback \/ Judicial path:<\/strong> n\u1ebfu kh\u00e1ch kh\u00f4ng ch\u1ec9 \u0111\u1ecbnh t\u1ed5 ch\u1ee9c nh\u1eadn t\u00e0i s\u1ea3n, n\u00eau r\u00f5 c\u01a1 ch\u1ebf b\u1ed9 ph\u1eadn ph\u00e2n x\u1eed ho\u1eb7c ch\u1ec9 \u0111\u1ecbnh theo quy \u0111\u1ecbnh c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh\/NHNN. (NQ05 c\u00f3 quy \u0111\u1ecbnh ch\u1ec9 \u0111\u1ecbnh t\u1ed5 ch\u1ee9c n\u1ebfu kh\u00e1ch kh\u00f4ng ch\u1ecdn).<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"13315\" data-end=\"13318\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"13320\" data-end=\"13377\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u00e0i li\u1ec7u ph\u00e1p l\u00fd &amp; k\u1ef9 thu\u1eadt tham chi\u1ebfu ch\u00ednh (ch\u1ecdn l\u1ecdc)<\/span><\/h1>\n<ul style=\"text-align: justify;\" data-start=\"13378\" data-end=\"14398\">\n<li data-start=\"13378\" data-end=\"13498\">\n<p data-start=\"13380\" data-end=\"13498\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP \u2014 Quy \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (NHNN).<\/span><\/p>\n<\/li>\n<li data-start=\"13378\" data-end=\"13498\">\n<p data-start=\"13380\" data-end=\"13498\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ngh\u1ecb quy\u1ebft 05\/2025\/NQ-CP \u2014 Tri\u1ec3n khai th\u00ed \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n m\u00e3 h\u00f3a (y\u00eau c\u1ea7u t\u00e1ch b\u1ea1ch t\u00e0i s\u1ea3n, t\u1ea5t to\u00e1n khi thu h\u1ed3i).\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"13667\" data-end=\"13776\">\n<p data-start=\"13669\" data-end=\"13776\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Lu\u1eadt Ph\u00f2ng, ch\u1ed1ng r\u1eeda ti\u1ec1n (14\/2022) \u2014 ngh\u0129a v\u1ee5 KYC\/AML, b\u00e1o c\u00e1o. <\/span><\/p>\n<\/li>\n<li data-start=\"13667\" data-end=\"13776\">\n<p data-start=\"13669\" data-end=\"13776\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Lu\u1eadt B\u1ea3o v\u1ec7 d\u1eef li\u1ec7u c\u00e1 nh\u00e2n (91\/2025) \u2014 DPIA, th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1, chuy\u1ec3n d\u1eef li\u1ec7u xuy\u00ean bi\u00ean gi\u1edbi.<\/span><\/p>\n<\/li>\n<li data-start=\"13777\" data-end=\"13915\">\n<p data-start=\"13779\" data-end=\"13915\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">ISO\/IEC 27001 (ISMS) \u2014 ti\u00eau chu\u1ea9n qu\u1ea3n tr\u1ecb an ninh th\u00f4ng tin.<\/span><\/p>\n<\/li>\n<li data-start=\"14022\" data-end=\"14150\">\n<p data-start=\"14024\" data-end=\"14150\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">SOC 2 (AICPA) \u2014 b\u00e1o c\u00e1o ki\u1ec3m so\u00e1t d\u1ecbch v\u1ee5; ph\u01b0\u01a1ng ti\u1ec7n minh ch\u1ee9ng kh\u1ea3 n\u0103ng v\u1eadn h\u00e0nh.\u00a0<\/span><\/p>\n<\/li>\n<li data-start=\"14151\" data-end=\"14259\">\n<p data-start=\"14153\" data-end=\"14259\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">NIST SP800-115 \u2014 h\u01b0\u1edbng d\u1eabn pentest, security testing (k\u1ef9 thu\u1eadt).<\/span><\/p>\n<\/li>\n<li data-start=\"14260\" data-end=\"14398\">\n<p data-start=\"14262\" data-end=\"14398\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">FCA Draft Guidance on crypto custody &amp; stablecoins \u2014 tham kh\u1ea3o best practices custody (qu\u1ed1c t\u1ebf).\u00a0<\/span><\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"14400\" data-end=\"14403\" \/>\n<h1 style=\"text-align: justify;\" data-start=\"14405\" data-end=\"14477\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">K\u1ebft lu\u1eadn ng\u1eafn &amp; checklist h\u00e0nh \u0111\u1ed9ng (ngay l\u1eadp t\u1ee9c tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1)<\/span><\/h1>\n<ol style=\"text-align: justify;\" data-start=\"14478\" data-end=\"15285\">\n<li data-start=\"14478\" data-end=\"14552\">\n<p data-start=\"14481\" data-end=\"14552\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ho\u00e0n thi\u1ec7n <strong data-start=\"14492\" data-end=\"14511\">Product Dossier<\/strong>: architecture, use-cases, caps + KPIs.<\/span><\/p>\n<\/li>\n<li data-start=\"14553\" data-end=\"14633\">\n<p data-start=\"14556\" data-end=\"14633\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">So\u1ea1n <strong data-start=\"14561\" data-end=\"14578\">Risk Register<\/strong> (likelihood \u00d7 impact) + playbooks incident\/rollback.<\/span><\/p>\n<\/li>\n<li data-start=\"14634\" data-end=\"14719\">\n<p data-start=\"14637\" data-end=\"14719\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ho\u00e0n thi\u1ec7n <strong data-start=\"14648\" data-end=\"14667\">KYC\/AML ruleset<\/strong> + t\u00edch h\u1ee3p sanctions\/PEP provider; quy tr\u00ecnh SAR.<\/span><\/p>\n<\/li>\n<li data-start=\"14720\" data-end=\"14808\">\n<p data-start=\"14723\" data-end=\"14808\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">K\u00fd\/ho\u00e0n thi\u1ec7n <strong data-start=\"14737\" data-end=\"14767\">H\u1ee3p \u0111\u1ed3ng h\u1ee3p t\u00e1c ng\u00e2n h\u00e0ng<\/strong> &amp; \u0111i\u1ec1u kho\u1ea3n custody\/segregation\/exit.<\/span><\/p>\n<\/li>\n<li data-start=\"14809\" data-end=\"14997\">\n<p data-start=\"14812\" data-end=\"14997\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">C\u00f3 <strong data-start=\"14815\" data-end=\"14837\">b\u1eb1ng ch\u1ee9ng an ninh<\/strong>: recent pentest report (\u22646 th\u00e1ng) + SOC2 Type II or ISO27001 (n\u1ebfu ch\u01b0a, n\u1ed9p roadmap v\u00e0 evidence pentest + hardening).<\/span><\/p>\n<\/li>\n<li data-start=\"14998\" data-end=\"15134\">\n<p data-start=\"15001\" data-end=\"15134\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">So\u1ea1n <strong data-start=\"15006\" data-end=\"15028\">communication pack<\/strong> (disclosures, incident templates) v\u00e0 <strong data-start=\"15066\" data-end=\"15079\">exit plan<\/strong> k\u00e8m evidence (proof-of-reserves, accounts snapshot).<\/span><\/p>\n<\/li>\n<li data-start=\"15135\" data-end=\"15285\">\n<p data-start=\"15138\" data-end=\"15285\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Chu\u1ea9n b\u1ecb <strong data-start=\"15147\" data-end=\"15164\">Annex ph\u00e1p l\u00fd<\/strong>: m\u1eabu consent, privacy notice theo PDPL, DPIA n\u1ebfu chuy\u1ec3n d\u1eef li\u1ec7u xuy\u00ean bi\u00ean gi\u1edbi.\u00a0<\/span><\/p>\n<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p>Quy tr\u00ecnh t\u1ed1i thi\u1ec3u tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1 th\u1eed nghi\u1ec7m (d\u00e0nh cho h\u1ed3 s\u01a1 n\u1ed9p NHNN theo Ngh\u1ecb \u0111\u1ecbnh 94\/2025 v\u00e0\/ho\u1eb7c h\u1ed3 s\u01a1 li\u00ean quan th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n m\u00e3 h\u00f3a theo Ngh\u1ecb quy\u1ebft 05\/2025). C\u1ea5u tr\u00fac: (1) M\u1ee5c ti\u00eau ph\u00e1p l\u00fd\/kinh doanh; (2) N\u1ed9i dung chi ti\u1ebft c\u1ea7n chu\u1ea9n b\u1ecb; (3) L\u00fd do [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4312,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[138,132],"tags":[],"class_list":["post-4178","post","type-post","status-publish","format-standard","has-post-thumbnail","category-luat-ve-crypto-viet-nam","category-tai-san-so"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quy tr\u00ecnh v\u00e0 th\u1ee7 t\u1ee5c n\u1ed9p h\u1ed3 s\u01a1 th\u1eed nghi\u1ec7m s\u00e0n giao d\u1ecbch t\u00e0i s\u1ea3n s\u1ed1 theo Ngh\u1ecb quy\u1ebft 05\/2025 - Lu\u1eadt S\u01b0 911- Lu\u1eadt s\u01b0 v\u1ec1 Blockchain, crypto, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m&amp;a, h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/luatsu911.vn\/?p=4178\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quy tr\u00ecnh v\u00e0 th\u1ee7 t\u1ee5c n\u1ed9p h\u1ed3 s\u01a1 th\u1eed nghi\u1ec7m s\u00e0n giao d\u1ecbch t\u00e0i s\u1ea3n s\u1ed1 theo Ngh\u1ecb quy\u1ebft 05\/2025 - Lu\u1eadt S\u01b0 911- Lu\u1eadt s\u01b0 v\u1ec1 Blockchain, crypto, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m&amp;a, h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf\" \/>\n<meta property=\"og:description\" content=\"Quy tr\u00ecnh t\u1ed1i thi\u1ec3u tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1 th\u1eed nghi\u1ec7m (d\u00e0nh cho h\u1ed3 s\u01a1 n\u1ed9p NHNN theo Ngh\u1ecb \u0111\u1ecbnh 94\/2025 v\u00e0\/ho\u1eb7c h\u1ed3 s\u01a1 li\u00ean quan th\u1ecb tr\u01b0\u1eddng t\u00e0i s\u1ea3n m\u00e3 h\u00f3a theo Ngh\u1ecb quy\u1ebft 05\/2025). 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