Bazarlar boýunça töwekgelçilikleri bölmek

1) Töwekgelçilikleriň geo-segmentasiýasy näme üçin zerur?

Öwrülişikleri we ýitgileri öňünden dolandyrmak (declines, CB, WHT).
Marşrut: PSP/usuly we 3DS strategiýasyny ýurt boýunça saýlamak.
Çäklendirmeler we KYC: depozitiň/yzyna almagyň dinamiki çäkleri.
Maliýe meýilnamasy: FX bahasy, T + N settlementleri, ätiýaçlyk.
Gabat gelmek: çal zolaklara, sanksiýalara, ýokary töwekgelçilikli dikligine gözegçilik etmek.

2) Töwekgelçilikleriň taksonomiýasy (gatlaklar)

1. Düzgünleşdiriji: iGaming, lokal ygtyýarnamalar, domen/programmalaryň petiklenmegi.
2. Sanksiýa/geosyýasy: töleg çäklendirmeleri, SDN/OFAC/EU/UK sanawlary.
3. Tölegler: ygtyýarly rate's, 3DS/Issuer-behavior, chargeback ratio, refund latency.
4. Antifrod/AML: multiakkounting, bonus-hyýanatçylyk, SoF gabat gelmezlik, RER/sanksiýalar.
5. Tölegler (payout): koridorlar, kesmek-ýapmak, yzyna gaýtarmak, üpjün edijileriň çäkleri.
6. FX/Gazna: üýtgewsizlik, likwidlik, elýeterli walýuta relsleri.
7. Salgyt: GGR duty/VAT/GST/WHT ekspozisiýa we hasabat töwekgelçilikleri.
8. Infrastruktura: Internet süzgüçleri/senzura, blokirleme PSP, latency, SIM-farming.
9. PSP-durnuklylygy: maliýe saglygy, rolling reserve%, SLA, hadysalaryň ýygylygy.

3) Geo-klasterizasiýa (takmynan profiller)

Low-risk/Regulated: domestic kartlaryň ýokary paýy, GGR-re regimeimi, durnukly banklar.
Orta-töwekgelçilik/Transitional: garyşyk usullar sebedi, üýtgewsiz FX, epizodiki blokirlemeler.
High-risk/Restricted: gadaganlyklar/çal zolaklar, ýokary frod, gowşak KYC-dock bazasy.
Sanction-sensitive: ikinji derejeli sanksiýalaryň töwekgelçiligi, tölegleriň durnuksyz koridorlary.
Cash-dominant: pes kart-penetrasiýa, ýerli e-gapjyklar/agentler, ýokary töwekgelçilik chargeback-surrogates (analoglaryň jedelleri).

4) Geo-skoring: nädip sanamaly

4. 1. Töwekgelçilik indeksi 'R _ geo' (0-100)

R_geo = 0. 25RegScore + 0. 15Sanctions + 0. 20PayScore + 0. 15FraudAML
+ 0. 10Payout + 0. 10FX + 0. 05Tax

RegScore: rugsat ýagdaýy (0 = arassa, 100 = gadaganlyk).
Sanctions: sanksiýalar/eskalasiýa indeksi.
PayScore: ygtyýarnamalar, 3DS-geçiş, CB ratio, fee-ýük.
FraudAML: velocity, device-klasterizasiýa, PER/sank-hitler, SoF ret.
Payout: return rate, avg-ETA, üpjün edijide şowsuzlyklar.
FX: üýtgewsizlik/PSP ýaýramagy.
Salgyt: çylşyrymlylyk/töwekgelçilik WHT/VAT.

4. 2. Synplar

A (0-25): standart çäkler, ýumşak 3DS, standart nyrhlar.
B (26-50): güýçlendirilen KYC L2, çäkleri ↓, berk 3DS, ileri tutulýan PSP.
C (51-75): KYC L3 + SoF, cap goýumlary, gijikdirilen tölegler, ak usullar.
D (76-100): trafik bloky/diňe erkin-oýnamak/doňdurylan tölegler.

5) Töwekgelçilik synpy boýunça syýasatlar

6) Maglumatlar we alamatlar (feature set)

Payments: AR/DR usullar boýunça, soft-decline paýy, 3DS step-up, CB/Liability shift.
Fraud/AML: device-graph, geovelocity, proxy/VPN, BIN-geo mismatch, SoF/Docs pass-rate.
Töleg: şowsuzlyk/yzyna gaýtarmak, üpjün edijileriň SLA-lary, paýlaşmak same-method.
FX: spread_bps vs reference, open-position, slippage.
Tax/Legal: GGR re modeimi, VAT/GST ulanylyşy, hyzmatdaşlar boýunça WHT.
Sanctions/Infra: DNS/ISP bloklary, töleg gadaganlyklary, CDN bloklary.
PSP saglyk: hadysalar/aýlar, reserve%, funding delays.

7) Maglumatlaryň shemasy (iň pes)

ref. country_risk_factors (
iso2 PK, reg_status, sanctions_idx, ggr_mode, vat_mode, wht_mode,
psp_availability_score, payout_corridors, fx_vol_idx, notes, effective_from, effective_to
)

risk. geo_metrics_daily (
d, iso2,
auth_rate, cb_ratio, refund_rate, three_ds_pass, decline_soft_share,
payout_return_rate, payout_eta_hours,
aml_alerts, pep_hits, sof_fail_rate,
fx_spread_bps, fx_volatility_bps,
psp_incidents
)

risk. geo_score_daily (
d, iso2, reg_score, sanctions, pay_score, fraud_aml, payout, fx, tax, r_geo, class
)

policy. geo_controls (
iso2, class, max_deposit, max_withdrawal, kyc_level, sof_required,
bonus_policy, methods_whitelist, routing_psp, withdrawal_t_plus
)

8) Proses (ETL/orkestr)

1. Töleg we frod-wakalaryň ingesti → in 'geo _ metrics _ daily' -de agregasiýa.
2. Join s 'country _ risk _ factors' → 'r _ geo' hasaplamak we klas bellemek.
3. Render 'policy. geo_controls' → Geýtweý/Antifraud/KYC/Töleg Router.
4. Alertlere gözegçilik etmek we wakalarda gaýtadan sanamak (sanksiýalar, kadalaşdyryjy täzelenmeler, PSP hadysalary).

9) SQL şablonlary

9. 1. Geo-skoring hasaplamasy

sql
INSERT INTO risk. geo_score_daily (d, iso2, reg_score, sanctions, pay_score, fraud_aml, payout, fx, tax, r_geo, class)
SELECT m. d, m. iso2,
r. reg_status    AS reg_score,
r. sanctions_idx  AS sanctions,
50(1 - m. auth_rate) + 50m. cb_ratio         AS pay_score,
40m. aml_alerts + 60m. sof_fail_rate         AS fraud_aml,
40m. payout_return_rate + 60(m. payout_eta_hours/72) AS payout,
0. 8m. fx_spread_bps + 0. 2m. fx_volatility_bps    AS fx,
CASE WHEN r. vat_mode='COMPLEX' OR r. wht_mode='HIGH' THEN 60 ELSE 20 END AS tax,
NULL, NULL
FROM risk. geo_metrics_daily m
JOIN ref. country_risk_factors r USING (iso2, / optionally date window /);

9. 2. Bosagalar boýunça klassifikasiýa

sql
UPDATE risk. geo_score_daily
SET r_geo = 0. 25reg_score + 0. 15sanctions + 0. 20pay_score + 0. 15fraud_aml
+ 0. 10payout + 0. 10fx + 0. 05tax,
class = CASE
WHEN r_geo <= 25 THEN 'A'
WHEN r_geo <= 50 THEN 'B'
WHEN r_geo <= 75 THEN 'C'
ELSE 'D'
END
WHERE d BETWEEN:from AND:to;

9. 3. Syýasatçy nesli

sql
INSERT INTO policy. geo_controls (iso2, class, max_deposit, max_withdrawal, kyc_level, sof_required, bonus_policy, methods_whitelist, routing_psp, withdrawal_t_plus)
SELECT s. iso2, s. class,
CASE s. class WHEN 'A' THEN 1. 00 WHEN 'B' THEN 0. 75 WHEN 'C' THEN 0. 40 ELSE 0 END:base_deposit AS max_deposit,
CASE s. class WHEN 'A' THEN 1. 00 WHEN 'B' THEN 0. 70 WHEN 'C' THEN 0. 30 ELSE 0 END:base_withdrawal,
CASE s. class WHEN 'A' THEN 'L1' WHEN 'B' THEN 'L2' WHEN 'C' THEN 'L3' ELSE 'BLOCK' END,
(s. class IN ('C')) AS sof_required,
CASE s. class WHEN 'A' THEN 'FULL' WHEN 'B' THEN 'LIMITED' WHEN 'C' THEN 'OFF' ELSE 'OFF' END,
CASE s. class WHEN 'A' THEN '{all}' WHEN 'B' THEN '{white_list}' WHEN 'C' THEN '{low_risk}' ELSE '{none}' END,
CASE s. class WHEN 'A' THEN 'psp_primary' WHEN 'B' THEN 'psp_primary,psp_backup' WHEN 'C' THEN 'psp_lowrisk' ELSE '' END,
CASE s. class WHEN 'A' THEN 'T+0' WHEN 'B' THEN 'T+1' WHEN 'C' THEN 'T+3' ELSE '' END;

10) Daşbordlar we KPI

Geo Risk Heatmap: 'r _ geo', synp, tendensiýalar 7/30/90.
Payments by Class: AR/DR, CB, take-rate, 3DS pass.
Töleg saglygy: yzyna gaýtarmalar, ETA, sank-bloklar, corridors uptime.
AML/Fraud: alerts/to players, SoF pass-rate, device-klasterler.
FX Exposure: spread, open-position, realized/unrealized.
Regulatory Timeline: wakalar/sanksiýalar/petiklemek vs metrika.

11) Alertler we bosagalar

Class jump (B → C ýa-da C → D): syýasatlaryň we reroute-iň derrew berkidilmegi.
CB spike: Ösüş> X bps w/w synpda/ýurtda.
Payout corridor down: şowsuzlyk üpjün ediji> Y% ýa-da SLA breach.
Sanctions update: täze sanaw/ýurisdiksiýa - awto-friz.
FX slippage: metodlaryň ýurdy boýunça bps çäginden geçmek.
SoF/KYC failure: GEO segmentinde şowsuzlyklar> bosagalar seriýasy.

12) Töleg arhitekturasynda ulanmak

Smart-routing: kart (GEO × BIN × usul × synp) → PSP/3DS/modullaşdyryjy düzgünleri saýlamak.
Çäklendirmeler/bonuslar: dinamiki çäkler we C/D-de bonuslary ýapmak.
Payout-policy: same-method, gijikdirilen tölegler we goşmaça barlaglar.
Pricing: ýokary töwekgelçilikli segmentlerde MDR/markup goşundylary, IC + we aç-açan FX talaby.
Gazna: zerur walýutada/koridorda pre-funding, hedge.

13) Iň oňat amallar (gysgaça)

1. Metrikleri (geçmişi) we syýasaty (geljegi) bölüň: skoring → hereket.
2. Skoring formulalaryny we agramlaryny wersiýa ediň ('r _ geo _ v1/v2').
3. GEO derejesinde PSP/usullar boýunça AB marşrutlaşdyryş synaglaryny giriziň.
4. C/D üçin usullaryň "ak sanawy" we mejbury 3DS.
5. Sanksiýalar/düzgünleşdiriji we awtomatiki öldüriji-switch boýunça evidence saklaň.
6. Skoring agramynda post-incident review we seslenme ediň.
7. Cut-off/settlement we hasabat döwürlerinde DST/wagt zolaklaryny göz öňünde tutuň.

14) Girizmegiň çek-sanawy

• Hereket ediş döwürleri bolan 'country _ risk _ factors' gollanmasy.
• Paypline 'geo _ metrics _ daily' (payments, AML, payouts, FX, PSP-hadysalar).
• 'r _ geo' + wersiýasy we A/B-gözegçilik kalkulýatory.
• Generation 'policy. geo_controls' we eltip bermek.
• Synp ýaryşlary we esasy metrikler üçin daşbordlar heatmap + aladalar.
• Ýurtlar boýunça gyssagly "freeze/reroute" amallary.
• Resminamalar: synplar we eskalasiýa boýunça hereketleriň matrisa.

Gysgaça maglumat

Bazarlarda töwekgelçilikleri bölmek hemişelik sikldir: metrikleri ýygnamak → sanamak → syýasatlary çykarmak → gözegçilik etmek we düzetmek. Maglumatlaryň anyk modeli, wersiýa bilen geo-skoring we syýasatlaryň töleg konturyna awtomatiki eltilmegi dolandyrylýan öwrülişigi berýär, ýitgileri azaldýar we komplayensiň we düzgünleşdirijileriň talaplaryna laýyk gelmegini üpjün edýär.