Zagrożenia dla rynku finansowego związane z praniem pieniędzy a technologie FinTech – identyfikacja zjawiska oraz metody przeciwdziałania

New technologies, including the DeFi (decentralized blockchain technology) market, are a new area of payments, loans and investments. In this article, the author presents the functioning of new technologies, many aspects of which are regulated by national and EU regulations, focusing on the risk analysis of individual and institutional users in the context of the possibility of losing assets, lack of guarantees, volatility of value, or lack of universal acceptance. In addition, due to the technological features of the system architecture, it can be used to legalize the proceeds of crime (money laundering). The article in question is also an attempt to present the areas of tasks of the state in the legislative and operational organizational scope, necessary to be undertaken in the field of counteracting potential threats.