KRADZIEŻ TOŻSAMOŚCI, konta bankowe, pożyczki, spółki i rachunki
You may suddenly become a president of a company in the Czech Republic which has generated 200 million of fake vat return. Unpleasant thing. There are institutions that give their employees such powers. In order to open an account there, we need to send a scan of the ID and scan of the recent transfer from our bank account. And then such an employee in such an institution will have access to it, in a natural way. Also, to open an account on Skrill or Paypal we need exactly the same… And we send out these scans to different places and with these scans it’s possible to open partnerships in various parts of the world, bank accounts, and take out loans, and so on. It’s horrifying. I was asked at the swimming pool some time ago… to give my ID in exchange for a key. You know, I take a key and give my ID card and it remains there… With all your details. This would be put into the drawer, and everything would be alright with it, but it happens even in such places. They demand your documents that they can copy and, theoretically, attempt to open things in your name. You may suddenly become a president of a company in the Czech Republic which has generated 200 million of fake vat return. Unpleasant thing. Unpleasant but more and more frequent, which is an identity theft. Although it sounds quite nice, like in a movie. It sounds so modern, and this causes a lot of trouble for people affected. And it’s like: whoever has bad fortune, he will be affected. Yes, it is completely beyond our control. 2 years ago there was the leak from the PESEL database, full details of one million six hundred thousand Poles were leaked through bailiffs offices. ABW looked into the matter, then they silenced the case, but who’s got it, where it went – is unknown. Can you do much with a PESEL alone? It’s different in different places. PESEL itself is not much, PESEL is not much. Scan of ID together with PESEL number, that’s more. That’s why smarter companies introduce such a practice that you need to hold the ID and send a picture, with you holding the ID. If you want to open an account remotely – cryptocurrency, Forex, banking, company, whatever – then you need to hold, and I noticed there are even solutions that you need to stream, so not even photos. You need to connect through video channel, holding your ID, and state that you want it. You know, it is supposed to counter this problem that somebody takes over scans and opens in someone else’s name. It’s not silly but in Poland still rare. It will cause problems and it does cause problems in the world of, you know, people without cash, without cryptocurrencies… because they keep money using bank accounts… if they fall into such troubles, one way or another, these troubles expand, and at the end a debt collector comes and takes everything you have to cover that debt. And YOU need to explain – that it wasn’t you who opened a bank account in Slovakia, with stolen money obtained with ‘for grandchildren’ method, for example. Maybe it’s just too easy to open an account somewhere, and take up a loan. Is it too easy? Well, yeah, in some places it is too easy because payday loans, for example. Often they steal identities in order to take out payday loans. Yes, in someone’s name, and then you wake up and you have 10 payday loans. And these percentages grow rapidly there, so this terrible situation turns into even more terrible situation. The problem also lies in the anachronism. Identity and signature should be based on the blockchain, for example. Instead of signing with your hand and your ID being just a piece of plastic that can be photographed. It should be solved differently. You see, it’s like putting wheels of a carriage together with a modern system, they are outdated solutions in the modern system… because this modern system requires to do things remotely, at a distance, without actual presence, but at the same time, we have, I don’t know… perhaps primitive people had stones that represented them, similarly we have just a piece of plastic. Too primitive for this system. Our chiefs, in the government, started doing something in this direction, so it won’t be plastic and will be listed in the online system. You can’t misplace plastic here so… As long as the system isn’t successfully attacked, then yes, it can solve… Maybe they will do it on the blockchain so… Maybe they will do it on the blockchain, wisely constructed blockchain. Because very often blockchain… while analyzing projects, I see there exist only an illusory blockchain. It doesn’t matter if you decentralize the database on 5 or 10 machines if you… if you control all 10 machines and they are in one location. That is not decentralization. It does happen? It does happen. However, if all these 10 computers are in one place, under your control, it is a fictional blockchain. And it is even doubly dangerous. Because it’s kind of ‘decentralized’, so everyone thinks it’s safe, but it’s not. If something is transparently centralized, at least you know – yes, it is transparently centralized. Here… this is doubly dangerous.