Money Laundering in the Crypto Ecosystem: Implications for Organized Crime

Дарко Марковић

doi:10.51738/kpolisa.2026.2r.dm

Autori

Дарко Марковић Univerzitet Privredna akademija, Pravni fakultet za privredu i pravosuđe, Novi Sad, Srbija https://orcid.org/0000-0001-9124-6417

DOI:

https://doi.org/10.51738/kpolisa.2026.2r.dm

Ključne reči:

transnacionalni kriminal, finansijska bezbednost, finansijski kriminal, decentralizovane transakcije, blockchain infrastruktura

Apstrakt

Rad se bavi transformacijom pranja novca u uslovima digitalizacije finansijskih tokova, sa posebnim
osvrtom na ulogu kriptovaluta u strategijama organizovanog kriminala. Polazeći od klasičnog trifaznog
modela plasmana, raslojavanja i integracije, analiziraju se načini na koje digitalni ekosistem menja
operativne obrasce, dostupne instrumente i mogućnosti prikrivanja porekla sredstava. Kriptovalute uvode
specifičnu dinamiku – brzinu, globalni domet i pseudonimnost – koja utiče na percepciju rizika kod
izvršilaca i otežava institucionalni nadzor, čime se otvara prostor za nove tipologije finansijskog kriminala.
Cilj rada jeste da prikaže kako se tradicionalni modeli pranja novca prilagođavaju kripto okruženju i koje
kriminološke implikacije proizlaze iz takvih promena. Poseban akcenat stavljen je na razumevanje odnosa
između tehnoloških inovacija i institucionalnih kapaciteta, kao i na to kako digitalni prostor utiče na strategije
organizovanog kriminala u pogledu prikrivanja tragova, premeštanja sredstava i infiltracije u legalne tokove.
Metodološki, rad se zasniva na deskriptivnoj, analitičkoj i komparativnoj obradi relevantnih domaćih i
međunarodnih izvora, uključujući regulatorne dokumente, izveštaje institucija za sprovođenje zakona i
dostupne podatke o slučajevima u kojima su kriptovalute korišćene u kriminalne svrhe. Time se postavlja
okvir za razumevanje savremenih izazova u borbi protiv pranja novca u digitalnom okruženju.

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Reference

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