The decentralized architecture of Web3 technologies creates fundamental challenges for Anti-Money Laundering and Counter-Financing of Terrorism compliance. Traditional regulatory technology solutions designed for centralized financial systems prove inadequate for blockchain's transparent yet pseudonymous networks. This systematization examines how blockchain-native RegTech solutions leverage distributed ledger properties to enable novel compliance capabilities. We develop three taxonomies organizing the Web3 RegTech domain: a regulatory paradigm evolution framework across ten dimensions, a compliance protocol taxonomy encompassing five verification layers, and a RegTech lifecycle framework spanning preventive, real-time, and investigative phases. Through analysis of 41 operational commercial platforms and 28 academic prototypes selected from systematic literature review (2015-2025), we demonstrate that Web3 RegTech enables transaction graph analysis, real-time risk assessment, cross-chain analytics, and privacy-preserving verification approaches that are difficult to achieve or less commonly deployed in traditional centralized systems. Our analysis reveals critical gaps between academic innovation and industry deployment, alongside persistent challenges in cross-chain tracking, DeFi interaction analysis, privacy protocol monitoring, and scalability. We synthesize architectural best practices and identify research directions addressing these gaps while respecting Web3's core principles of decentralization, transparency, and user sovereignty.

翻译：Web3技术的去中心化架构为反洗钱与反恐融资合规带来了根本性挑战。为传统中心化金融体系设计的监管科技解决方案在区块链透明但匿名的网络环境中显得力不从心。本文通过系统化梳理，探讨了原生区块链监管科技如何利用分布式账本特性实现创新的合规能力。我们构建了三个分类体系来组织Web3监管科技领域：涵盖十个维度的监管范式演进框架、包含五个验证层的合规协议分类法，以及贯穿预防、实时和调查三个阶段的全生命周期框架。通过对系统文献综述（2015-2025年）筛选出的41个商业化运营平台和28个学术原型进行分析，我们证明Web3监管科技能够实现交易图谱分析、实时风险评估、跨链分析和隐私保护验证等方法——这些在传统中心化系统中难以实现或较少部署。我们的分析揭示了学术创新与行业部署之间的关键差距，同时指出了跨链追踪、DeFi交互分析、隐私协议监控和可扩展性方面持续存在的挑战。我们综合了架构最佳实践，并确定了在尊重Web3去中心化、透明化和用户主权核心原则的前提下解决这些差距的研究方向。