🌍 跨境支付

# 汇率风险管理示例
# 1. 实时汇率获取
exchange_rate = get_current_exchange_rate("USD", "EUR")

# 2. 汇率波动阈值设定
rate_threshold = 0.02  # 2% 波动阈值

# 3. 动态定价策略
if abs(exchange_rate - locked_rate) > rate_threshold:
    # 重新计算价格或暂停交易
    pause_transaction()
    recalculate_price()
                    

# 合规检查处理
def compliance_check(transaction):
    # 1. KYC 验证
    if not validate_kyc(transaction.sender):
        raise ComplianceError("KYC validation failed")

    # 2. AML 检查
    risk_score = calculate_risk_score(transaction)
    if risk_score > HIGH_RISK_THRESHOLD:
        return flag_for_review(transaction)

    # 3. 地理限制检查
    if is_restricted_country(transaction.destination):
        raise ComplianceError("Transaction to restricted country")

    return approve_transaction(transaction)
                    

# 多币种支持示例
class CurrencyManager:
    def __init__(self):
        self.supported_currencies = ["USD", "EUR", "GBP", "JPY", "CNY"]
        self.exchange_rates = fetch_exchange_rates()

    def convert_currency(self, amount, from_currency, to_currency):
        if from_currency == to_currency:
            return amount
        
        rate = self.exchange_rates.get(f"{from_currency}_{to_currency}")
        return amount * rate

    def validate_currency(self, currency):
        return currency in self.supported_currencies