16.08.2026
13:50
Hardware crypto wallet manufacturer SafePal has officially confirmed a data breach incident affecting approximately 39,798 customers. Personal information fell into the hands of third parties: names, shipping addresses, phone numbers, email addresses, and order details. This is a serious signal for the entire industry, as even hardware solutions, considered the gold standard of security, prove vulnerable at the level of associated services...
Data breach at SafePal: compromise affected nearly 40,000 users
Hardware crypto wallet manufacturer SafePal has officially confirmed a data breach incident affecting approximately 39,798 customers. Personal information fell into the hands of third parties: names, shipping addresses, phone numbers, email addresses, and order details. This is a serious signal for the entire industry, as even hardware solutions, considered the gold standard of security, prove vulnerable at the level of associated services...
13:47
Withdrawing funds from crypto exchanges: security and liquidity strategies in times of instability
Withdrawing funds from cryptocurrency platforms is not just a technical procedure, but a key stage of capital management that requires a professional approach. In the current market environment, where the liquidity of individual platforms can change within hours, a well-thought-out withdrawal strategy becomes a factor in asset preservation.
Technical aspects and fee costs Each withdrawal transaction involves network fees, which vary depending on blockchain congestion...
Technical aspects and fee costs Each withdrawal transaction involves network fees, which vary depending on blockchain congestion...
13:45
How to Safely and Quickly Top Up a Cryptocurrency Account: A Complete Breakdown of Methods
Topping up a cryptocurrency account is one of the most common operations for users of crypto exchanges and wallets. However, many beginners make mistakes that lead to loss of funds or long delays. In this article, we will examine the main methods of depositing funds, their advantages and disadvantages, as well as safety rules that will help avoid risks.
Main Methods of Topping Up a Cryptocurrency Account
There are several ways to deposit funds into a crypto account, and the choice depends on the platform, the user's country, and the preferred currency. Let's look at the most popular options.
- Bank card transfer (Visa/Mastercard/MIR) — the fastest and most convenient way for beginners. Funds are credited almost instantly, but commissions can reach 3-5%.
- Bank transfer (SEPA, SWIFT) — suitable for large amounts. It takes from several hours to several days, but commissions are usually lower.
- Cryptocurrency transfer from another wallet or exchange — the most secure method for those who already own digital assets. Requires attention to the network and address accuracy.
- P2P platforms — direct exchange between users. Allows you to buy cryptocurrency without involving the exchange itself, often with a minimal commission.
- Electronic payment systems (PayPal, Skrill, WebMoney) — not supported everywhere, but can be convenient for certain regions.
Step-by-Step Instructions for Topping Up via Bank Card
This method is the most popular among new users. Here is a standard algorithm of actions:
- Log in to your account on the exchange or in the wallet.
- Go to the "Deposit" or "Top Up" section.
- Select the fiat currency and the "Bank Card" method.
- Enter the amount and confirm the operation.
- Fill in the card details (number, expiration date, CVV) in the secure payment form.
- Confirm the payment via SMS or a banking app.
- Wait for the funds to be credited — usually this takes from a few seconds to 5 minutes.
Important: always check the minimum and maximum deposit amounts, as well as the commission, before confirming the operation.
How to Top Up with Cryptocurrency Correctly
If you already have cryptocurrency on another platform, transferring it is the most logical way. However, errors here can be fatal:
- Always check the network (ERC-20, TRC-20, BEP-20, etc.). Sending via the wrong network will result in the loss of funds.
- Copy the deposit address only from the official platform page. Beware of phishing sites.
- Start with a small test transfer to make sure everything works.
- Consider the network fee — it can be significant during periods of high load.
P2P Platforms: Pros and Cons
P2P exchanges have become especially popular in countries where bank cards do not work directly with crypto exchanges. The essence of the method is that you buy cryptocurrency from another user, and the platform acts as a guarantor.
Advantages:
- Low commissions (often 0%).
- Ability to pay via any convenient method, including bank transfers and cash.
- No risk of card blocking by the bank.
Disadvantages:
- Risk of encountering scammers (mitigated by the platform's arbitration system).
- Crediting speed depends on the counterparty's responsiveness.
- Exchange rate may be slightly higher than the market rate.
Safety Rules When Topping Up
Regardless of the chosen method, follow these recommendations:
- Use two-factor authentication (2FA) on all accounts.
- Never share your private keys, seed phrases, or passwords with anyone.
- Check the website address in the browser — scammers often create fake copies of exchanges.
- Do not store large amounts on the exchange — transfer them to a cold wallet.
- Keep records of transactions to simplify tax reporting.
What to Do If Funds Are Not Credited
Sometimes delays occur. Here is what to do in such cases:
- Wait 30-60 minutes — sometimes the system processes transactions with a delay.
- Check the transaction status in the blockchain explorer (if it is a crypto transfer).
- Contact the platform's support service, providing the transaction ID and screenshots.
- If the payment was made via a bank card, contact the bank to clarify the status of the operation.
In most cases, funds are returned automatically or credited after verification by the support team. The main thing is not to panic and act according to the instructions.
Conclusion
Topping up a cryptocurrency account is a simple but responsible process. Choose methods that suit your needs, always check details, and do not neglect security. Then your funds will be credited quickly, and the experience will be positive.
The issue of topping up your balance is the first and, perhaps, the most important step for any participant in the digital asset market. The speed and fees depend on the chosen method, as well as the security of your funds. In my practice, I see that many traders, especially beginners, underestimate the risks associated with choosing the wrong way to deposit funds.
Bank Transfers and Cards: A Classic, but with Nuances The most common method is a transfer from a bank card or via a bank account...
Bank Transfers and Cards: A Classic, but with Nuances The most common method is a transfer from a bank card or via a bank account...
13:44
Russian legislation is taking a cautious but significant step toward legalizing the crypto industry. The new law for the first time permits advertising of services by licensed crypto market participants, yet direct promotion of digital currencies as an investment asset remains strictly prohibited. This is a fundamental change that opens a window of opportunity for legal marketing, but with a number of substantial restrictions...
Russia opens the door for advertising crypto services, but coins remain banned.
Russian legislation is taking a cautious but significant step toward legalizing the crypto industry. The new law for the first time permits advertising of services by licensed crypto market participants, yet direct promotion of digital currencies as an investment asset remains strictly prohibited. This is a fundamental change that opens a window of opportunity for legal marketing, but with a number of substantial restrictions...
13:42
The annual limit of 300,000 rubles on cryptocurrency purchases for non-qualified investors introduced by the Central Bank is not a death sentence for those dealing with larger sums. The key nuance that many overlook: the restriction applies separately to each counterparty, rather than being summed across all platforms. This opens up a perfectly legal opportunity to distribute your transactions among several banks, brokers, and exchangers, while staying within the regulator's formal requirements...
The Central Bank's limit of 300,000 rubles: how a large investor can legally bypass the restriction
The annual limit of 300,000 rubles on cryptocurrency purchases for non-qualified investors introduced by the Central Bank is not a death sentence for those dealing with larger sums. The key nuance that many overlook: the restriction applies separately to each counterparty, rather than being summed across all platforms. This opens up a perfectly legal opportunity to distribute your transactions among several banks, brokers, and exchangers, while staying within the regulator's formal requirements...
13:41
The Russian banking sector is preparing for the large-scale adoption of cryptocurrency operations, and pricing is becoming a key issue for market participants. My analysis shows that at the initial stage, spreads will be noticeably higher than on traditional crypto exchanges, but maintaining margins at 5–7% or more in a healthy competitive environment is simply impossible. The market will inevitably adjust these figures...
Competition will collapse bank spreads on cryptocurrency: market forecast
The Russian banking sector is preparing for the large-scale adoption of cryptocurrency operations, and pricing is becoming a key issue for market participants. My analysis shows that at the initial stage, spreads will be noticeably higher than on traditional crypto exchanges, but maintaining margins at 5–7% or more in a healthy competitive environment is simply impossible. The market will inevitably adjust these figures...
13:38
RAKIB Executive Director Alexander Brazhnikov assessed the Central Bank's proposal to allow Bitcoin, Ethereum, and USDT for exchange trading. In his opinion, this creates long-awaited legal infrastructure, but the annual limit of 300,000 rubles for non-qualified investors turns retail access into a formality. A full-fledged market is formed exclusively for qualified participants—without restrictions on amounts or the list of assets...
The Central Bank's limit of 300,000 rubles: how Russia is building an "elite" crypto market for the chosen few
RAKIB Executive Director Alexander Brazhnikov assessed the Central Bank's proposal to allow Bitcoin, Ethereum, and USDT for exchange trading. In his opinion, this creates long-awaited legal infrastructure, but the annual limit of 300,000 rubles for non-qualified investors turns retail access into a formality. A full-fledged market is formed exclusively for qualified participants—without restrictions on amounts or the list of assets...
13:37
Advertising of crypto services in Russia: a paradoxical transition period until 2027
The Russian digital assets market is entering an extremely ambiguous phase. Starting September 1, 2026, new rules come into force that, for the first time in two years, allow advertising of services related to organizing cryptocurrency circulation. However, this relaxation is narrowly targeted: the direct ban on advertising the digital currencies themselves remains in effect. This creates a unique legal conflict that will last at least until mid-2027...
13:35
The French tax authority (DGFiP) has officially confirmed a massive leak of confidential information about 678,000 taxpayers. As a result of the attack, the attacker gained access to income data, as well as addresses and property sizes of citizens. This event, in my view, is not just another cybersecurity incident, but a warning signal for the entire crypto community.
Incident Details The attack on DGFiP's information systems occurred between June and July 2026...
In France, data of 678,000 taxpayers has been stolen: a new threat for cryptocurrency holders
The French tax authority (DGFiP) has officially confirmed a massive leak of confidential information about 678,000 taxpayers. As a result of the attack, the attacker gained access to income data, as well as addresses and property sizes of citizens. This event, in my view, is not just another cybersecurity incident, but a warning signal for the entire crypto community.Incident Details The attack on DGFiP's information systems occurred between June and July 2026...
13:34
Harvard University's endowment, one of the largest institutional players in the market, shows unexpected restraint regarding Bitcoin ETFs. According to the latest 13F filing submitted to the SEC, as of June 30, the fund retained 3.04 million shares of BlackRock's exchange-traded product IBIT. The value of the stake is $101.4 million, exactly matching the figures from the previous quarter.
Of particular interest is the fact that this is the first pause after two consecutive rounds of reduction...
Harvard has frozen the reduction of Bitcoin ETFs: a strategic pause or a shift in priorities?
Harvard University's endowment, one of the largest institutional players in the market, shows unexpected restraint regarding Bitcoin ETFs. According to the latest 13F filing submitted to the SEC, as of June 30, the fund retained 3.04 million shares of BlackRock's exchange-traded product IBIT. The value of the stake is $101.4 million, exactly matching the figures from the previous quarter.Of particular interest is the fact that this is the first pause after two consecutive rounds of reduction...
13:32
Apple has, for the first time, independently trained a large language model (LLM) for the Chinese market, relying on Alibaba's infrastructure and support. This is a landmark step: previously, the company fully relied on developments from local partners to implement generative AI in devices sold in China. Now, however, we are talking about a fundamentally different configuration.
Hybrid approach: proprietary core and local integrations The model's details—name, parameters, architecture—remain behind the scenes, but the essence of the strategy is clear...
Apple has trained its own AI model for China: betting on a hybrid strategy with Alibaba.
Apple has, for the first time, independently trained a large language model (LLM) for the Chinese market, relying on Alibaba's infrastructure and support. This is a landmark step: previously, the company fully relied on developments from local partners to implement generative AI in devices sold in China. Now, however, we are talking about a fundamentally different configuration.Hybrid approach: proprietary core and local integrations The model's details—name, parameters, architecture—remain behind the scenes, but the essence of the strategy is clear...
13:31
The real-world asset (RWA) tokenization sector is demonstrating an unprecedented surge in activity. Over the past 30 days, the number of unique addresses holding tokenized equities has soared by 124%, reaching 1.31 million. This is not merely a correction or seasonal fluctuation—it is a structural shift indicating mass adoption of digital securities by institutional and retail players.
The volume of monthly transfers in this segment has jumped by nearly 180%, totaling an impressive $23...
The market for tokenized stocks has exploded: the number of holders has doubled in a month.
The real-world asset (RWA) tokenization sector is demonstrating an unprecedented surge in activity. Over the past 30 days, the number of unique addresses holding tokenized equities has soared by 124%, reaching 1.31 million. This is not merely a correction or seasonal fluctuation—it is a structural shift indicating mass adoption of digital securities by institutional and retail players.The volume of monthly transfers in this segment has jumped by nearly 180%, totaling an impressive $23...
13:30
Swiss banking giant UBS is demonstrating an aggressive pivot toward crypto assets, judging by fresh data on its portfolio positions at the end of the second quarter. As of June 30, the bank held call options on 1.95 million shares of BlackRock's bitcoin ETF IBIT — a colossal jump from 80,000 shares a quarter earlier, representing roughly a 24-fold increase. This move clearly signals that old-school institutional players are beginning to hedge and speculate on the rise of the first cryptocurrency with unprecedented confidence...
UBS has blown up the market: exposure to call options on bitcoin ETFs has grown 24 times in a quarter.
Swiss banking giant UBS is demonstrating an aggressive pivot toward crypto assets, judging by fresh data on its portfolio positions at the end of the second quarter. As of June 30, the bank held call options on 1.95 million shares of BlackRock's bitcoin ETF IBIT — a colossal jump from 80,000 shares a quarter earlier, representing roughly a 24-fold increase. This move clearly signals that old-school institutional players are beginning to hedge and speculate on the rise of the first cryptocurrency with unprecedented confidence...
13:26
Crypto asset withdrawal: profit-taking strategy and liquidity management
The question of withdrawing funds from digital assets is not just a technical procedure, but a key element of any investor's strategy. In my practice, I view this process as a complex financial maneuver that requires assessing market conditions, volatility, and the liquidity of a specific network.
First of all, it is necessary to distinguish between types of withdrawals. Transferring to a centralized exchange for subsequent fiat conversion carries certain risks (fees, processing time, dependence on the platform's solvency)...
First of all, it is necessary to distinguish between types of withdrawals. Transferring to a centralized exchange for subsequent fiat conversion carries certain risks (fees, processing time, dependence on the platform's solvency)...
13:25
How to safely and efficiently top up a crypto account: a complete breakdown of methods
Liquidity management is the foundation of successful digital asset trading. Funding your account on a crypto exchange or non-custodial wallet is the first and critically important operation, on which the speed of entering a position and the safety of funds depend. In this material, I will break down the key methods of depositing funds, their fee costs, and the risks that every trader must consider...
13:23
The Russian digital asset market is undergoing a landmark, albeit cautious, shift. New legislation for the first time permits the promotion of services offered by licensed crypto market participants, yet advertising of the digital currencies themselves—as an investment vehicle or means of payment—remains strictly prohibited. This is an important nuance that changes the rules of the game for marketing, but does not lift the stringent restrictions...
Russia opens the door to advertising crypto services, but the ban on coins remains in effect
The Russian digital asset market is undergoing a landmark, albeit cautious, shift. New legislation for the first time permits the promotion of services offered by licensed crypto market participants, yet advertising of the digital currencies themselves—as an investment vehicle or means of payment—remains strictly prohibited. This is an important nuance that changes the rules of the game for marketing, but does not lift the stringent restrictions...
13:22
A paradoxical situation has emerged in the Russian crypto industry: the annual limit of 300,000 rubles on the purchase of digital assets for non-qualified investors, formally established by the Central Bank, can in practice be circumvented without violating a single legal norm. The key nuance lies in the fact that the restriction applies individually to each counterparty, rather than being aggregated across all of an investor's transactions...
The Central Bank limit of 300,000 rubles: a legal strategy to bypass it through diversification of intermediaries
A paradoxical situation has emerged in the Russian crypto industry: the annual limit of 300,000 rubles on the purchase of digital assets for non-qualified investors, formally established by the Central Bank, can in practice be circumvented without violating a single legal norm. The key nuance lies in the fact that the restriction applies individually to each counterparty, rather than being aggregated across all of an investor's transactions...
13:20
Banking spreads on cryptocurrency in Russia: why high fees are doomed to fall
The Russian banking sector is preparing to launch operations with digital assets, and the first steps on this path will be marked by inflated spreads. However, in my assessment, banks simply will not be able to maintain a markup of 5–7% or higher in a competitive market. The only question is how quickly market mechanisms will bring prices to a fair level.
Why starting spreads will be high At the beginning of the journey, banks will be forced to factor significant costs into the price...
Why starting spreads will be high At the beginning of the journey, banks will be forced to factor significant costs into the price...
13:18
Alexander Brazhnikov, Executive Director of RAKIB, believes that the Central Bank's proposal to allow Bitcoin, Ethereum, and USDT into exchange circulation forms a legal market infrastructure. However, the limit of 300,000 rubles per year for non-qualified investors turns retail access into a formality rather than a real financial opportunity. A full-fledged market, in his assessment, is emerging exclusively for qualified participants—without restrictions on amounts or the list of assets...
The Central Bank's limit of 300,000 rubles — a crypto market for the elite or an experiment on retail investors?
Alexander Brazhnikov, Executive Director of RAKIB, believes that the Central Bank's proposal to allow Bitcoin, Ethereum, and USDT into exchange circulation forms a legal market infrastructure. However, the limit of 300,000 rubles per year for non-qualified investors turns retail access into a formality rather than a real financial opportunity. A full-fledged market, in his assessment, is emerging exclusively for qualified participants—without restrictions on amounts or the list of assets...
13:16
Advertising crypto services in Russia: a strange transition period and new rules of the game
Starting September 1, 2026, advertising of services for organizing cryptocurrency circulation will be permitted in Russia for the first time in two years. However, the ban on advertising the digital currencies themselves remains in effect. This creates a unique and, at first glance, paradoxical situation in the market, which I will analyze in this analytical article.
Until recently, the answer to the question about advertising cryptocurrencies and related services was extremely simple: not allowed...
Until recently, the answer to the question about advertising cryptocurrencies and related services was extremely simple: not allowed...
13:15
A large-scale incident in the information system of France's General Directorate of Public Finance (DGFiP) has drawn my attention not only as an analyst but also as a cybersecurity specialist. The agency has officially confirmed unauthorized access to the personal data of 678,000 taxpayers. The attacker gained access to declared income, addresses, and cadastral data on real estate.
Timeline of the attack The attack was carried out between June and July 2026...
Data leak of 678,000 French taxpayers: a hidden threat for cryptocurrency holders
A large-scale incident in the information system of France's General Directorate of Public Finance (DGFiP) has drawn my attention not only as an analyst but also as a cybersecurity specialist. The agency has officially confirmed unauthorized access to the personal data of 678,000 taxpayers. The attacker gained access to declared income, addresses, and cadastral data on real estate.Timeline of the attack The attack was carried out between June and July 2026...
13:13
The Harvard University endowment fund, one of the largest institutional players in the market, is showing a curious signal: its position in BlackRock's bitcoin ETF (IBIT) remained unchanged at the end of the second quarter. According to the latest 13F filing submitted to the SEC, as of June 30, the fund held 3.04 million IBIT shares worth $101.4 million—exactly the same as three months earlier.
This is especially notable against the backdrop of previous dynamics...
Harvard has frozen the sale of Bitcoin ETFs: a pause or a reversal of the institutional trend?
The Harvard University endowment fund, one of the largest institutional players in the market, is showing a curious signal: its position in BlackRock's bitcoin ETF (IBIT) remained unchanged at the end of the second quarter. According to the latest 13F filing submitted to the SEC, as of June 30, the fund held 3.04 million IBIT shares worth $101.4 million—exactly the same as three months earlier.This is especially notable against the backdrop of previous dynamics...
13:12
Apple has made a strategic breakthrough in the Chinese market, for the first time independently training a large language model (LLM) for local devices. Alibaba played a key role in this process, with its infrastructure and expertise enabling the adaptation of AI solutions to Beijing's strict requirements. This is a landmark event, as the American giant previously relied entirely on developments from local vendors...
Apple has for the first time trained its own AI model for China: a hybrid strategy with Alibaba and Baidu
Apple has made a strategic breakthrough in the Chinese market, for the first time independently training a large language model (LLM) for local devices. Alibaba played a key role in this process, with its infrastructure and expertise enabling the adaptation of AI solutions to Beijing's strict requirements. This is a landmark event, as the American giant previously relied entirely on developments from local vendors...
13:11
The real-world asset (RWA) tokenization sector is experiencing an unprecedented surge in activity. Over the past 30 days, the number of unique addresses holding tokenized stocks has jumped by 124%, reaching 1.31 million. This is not just a statistical anomaly—it is a clear signal of a structural shift in how institutional and retail investors perceive digital securities.
Particularly telling is the growth in transfer volume: over the month, it increased by nearly 180%, reaching $23...
The market for tokenized stocks has exploded: the number of holders has more than doubled in a month
The real-world asset (RWA) tokenization sector is experiencing an unprecedented surge in activity. Over the past 30 days, the number of unique addresses holding tokenized stocks has jumped by 124%, reaching 1.31 million. This is not just a statistical anomaly—it is a clear signal of a structural shift in how institutional and retail investors perceive digital securities.Particularly telling is the growth in transfer volume: over the month, it increased by nearly 180%, reaching $23...
13:10
Swiss banking giant UBS is demonstrating a striking shift in its strategy toward digital assets. According to my analysis of second-quarter data, as of the end of June, the bank held call options on 1.95 million shares of BlackRock's bitcoin ETF IBIT, representing a colossal 24-fold jump compared to 80,000 shares the previous quarter. This is not merely a portfolio adjustment—it is a signal of a fundamental reassessment of the institutional approach to cryptocurrencies...
UBS blew up the market: exposure to call options on bitcoin ETFs grew 24-fold.
Swiss banking giant UBS is demonstrating a striking shift in its strategy toward digital assets. According to my analysis of second-quarter data, as of the end of June, the bank held call options on 1.95 million shares of BlackRock's bitcoin ETF IBIT, representing a colossal 24-fold jump compared to 80,000 shares the previous quarter. This is not merely a portfolio adjustment—it is a signal of a fundamental reassessment of the institutional approach to cryptocurrencies...
13:06
Withdrawal: Key Aspects of Liquidity Management in Cryptocurrency Operations
The issue of managing fund withdrawals is one of the cornerstones of an effective strategy for any crypto investor or trader. Given the high volatility and the specific workings of blockchain networks, the process of converting digital assets into fiat money or moving them between platforms requires special attention.
Why is this stage critically important? Many market participants focus exclusively on entering a position, overlooking the logistics of the final stage...
Why is this stage critically important? Many market participants focus exclusively on entering a position, overlooking the logistics of the final stage...
13:05
How to Safely and Quickly Top Up Your Cryptocurrency Wallet Balance: A Complete Guide
Managing digital assets begins with a simple but critically important step — topping up your balance. For a beginner, this process may seem confusing, but in reality, there are several proven routes, each with its own nuances.
Main ways to deposit funds The most common method is buying cryptocurrency on a centralized exchange and then transferring it to a personal wallet. Here, it is important to consider the network fee, which varies depending on blockchain congestion...
Main ways to deposit funds The most common method is buying cryptocurrency on a centralized exchange and then transferring it to a personal wallet. Here, it is important to consider the network fee, which varies depending on blockchain congestion...
13:03
The Russian digital asset market is taking a cautious step forward: a law has been adopted that for the first time permits advertising of services by licensed crypto participants. However, it is important to understand the fine line: promoting the coins themselves as an investment tool remains prohibited. This is not just a formality, but a fundamental position of the regulator that all players must take into account...
Crypto advertising in Russia: new rules of the game — services are allowed, coins are not
The Russian digital asset market is taking a cautious step forward: a law has been adopted that for the first time permits advertising of services by licensed crypto participants. However, it is important to understand the fine line: promoting the coins themselves as an investment tool remains prohibited. This is not just a formality, but a fundamental position of the regulator that all players must take into account...
13:01
Bypassing the Central Bank's 300,000 ruble limit: legal strategies for large investors
The annual limit of 300,000 rubles set by the Central Bank on cryptocurrency purchases for non-qualified investors is not a death sentence for those with more substantial capital. The key nuance that many overlook is that the restriction applies to each counterparty individually, rather than being summed across all platforms. This opens up perfectly legal opportunities for distributing transactions...
13:00
The launch of cryptocurrency banking operations in Russia will be accompanied by inflated spreads, but maintaining margins at 5–7% or higher under real competition will not be possible. The market will inevitably adjust prices, and those counting on long-term excess profits will be mistaken.
At the initial stage, banks will be forced to factor significant costs into the price of the service: the cost of liquidity, compliance procedures, risk hedging, and the creation of new infrastructure...
Competition will bring down bank spreads on cryptocurrency in Russia: market forecast
The launch of cryptocurrency banking operations in Russia will be accompanied by inflated spreads, but maintaining margins at 5–7% or higher under real competition will not be possible. The market will inevitably adjust prices, and those counting on long-term excess profits will be mistaken.At the initial stage, banks will be forced to factor significant costs into the price of the service: the cost of liquidity, compliance procedures, risk hedging, and the creation of new infrastructure...