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Andriy Kazmirchuk
@kazmirchuk
Over the last 25 years, finance turned from bank infrastructure into an algorithmic surveillance machine. And here’s the crazy part: We all agreed to it. 🧵 The history of financial control (1990–2025):
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Andriy Kazmirchuk
@kazmirchuk
1990–2001: Banking Era • Control via banks, tax declarations, currency rules • Shadow economy = huge (cash was king) • SWIFT launches • First “anti-offshore” docs (FATF 1990) • Easy to open an offshore and disappear
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Andriy Kazmirchuk
@kazmirchuk
2001–2010: Post-9/11 → Finance = Terrorism • PATRIOT Act (US) • Powers for FinCEN & OFAC • Global FATF pressure • Harsh KYC/AML even for small clients • Banks start rejecting “risky” countries Control becomes a geopolitical weapon
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Andriy Kazmirchuk
@kazmirchuk
2010–2020: Digitalization & End of Cash • Global trend: cashless economy • China, Scandinavia → cash nearly gone • Apple Pay, Google Pay boom • Big Data behavior analytics Control is now invisible: just an algorithm
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Andriy Kazmirchuk
@kazmirchuk
2020–2025: Crypto, Pandemic, Full Tracking • COVID → “cash is dirty” • Privacy coins banned (Monero, Zcash) • Tornado Cash sanctioned (2022) • Exchanges enforce KYC • FATF Travel Rule → sender/receiver data mandatory Even DeFi isn’t free anymore
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Andriy Kazmirchuk
@kazmirchuk
Tools of control today: • SWIFT / FATF • KYC / AML everywhere • FATCA / CRS tax data sharing • Big Tech Payments (Apple/Google Pay) • Chainalysis, TRM Labs → blockchain surveillance • CBDC pilots = state-level control
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Andriy Kazmirchuk
@kazmirchuk
Logic shift: 1990: tax authority checks you 2025: AI + bank checks you Cash = freedom → now under suspicion Manual monitoring → real-time algorithmic control Even DEXs have whitelists & blacklists
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Andriy Kazmirchuk
@kazmirchuk
In 25 years, finance became an algorithmic panopticon. The scariest part? We accepted it for convenience & speed. Now every transaction = a statement of loyalty to the system
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