傳統的洗錢手法包括現金走私、利用銀行或保險公司，或利用空殼公司或掩護公司。如今，犯罪分子轉向房地產、彩券、古物、國際貿易或透過離岸公司進行洗錢，且隨著金融科技與網路技術之運用，犯罪分子更為傾向運用先進科技或技術進行非法交易。且洗錢已為毒品交易、非法槍械交易或貪污等之下游犯罪，也成為許多組織犯罪之根本問題，此外，洗錢也涉及國家之金融與法律制度。在過去的十餘年期間，各國均努力建立反洗錢與反恐怖主義融資。防堵金融科技下的洗錢或恐怖分子融資，亟需要政府部門與金融科技業者的密切合作，建立強大且有效之監管體系，同時促進金融科技領域的創新與成長。

Traditional money laundering methods include cash smuggling, the use of banks or insurance companies, or the use of shell companies or cover companies. Today, criminals also turn to real estate, lottery coupons, antiquities, international trade or money laundering through offshore companies. With the use of financial technology and Internet technology, criminals are more inclined to use advanced technology or technology to conduct illegal transactions. Money laundering has become a downstream crime from the drug trade, illegal firearms trade, or corruption, and has become a fundamental problem for many organized crimes, and it also involves the financial and legal systems of countries. Over the past decade, some countries have made efforts to establish anti-money laundering and counter-terrorist financing. Preventing money laundering or terrorist financing through FinTech requires close cooperation between government agencies and FinTech industry to establish a strong and effective regulatory system, while promoting innovation and growth in the FinTech sector.