Why is there no single payment system

Perhaps, in the future, a unified payment system will be created, but the time has not yet come. Judging by the pace of development of modern technologies, in particular, computer technologies, one can assume the likelihood of its appearance. And most likely, it will be a unified electronic payment system.

At the moment, the number of payment systems is impressive. On the one hand, a wide choice implies the ability to choose a more acceptable one for yourself. On the other hand, it would be convenient if there was a universal unified electronic money system.
 

Why there is no single payment system: reasons

    A large number of banking institutions of various departments, both state, industry and private, Internet banks, electronic payment systems. Each of them aims to attract as much money as possible in order to have a sufficient safety stock, create a good customer base, and make a profit from the turnover of funds. In short, this is a business that anyone can do with the start-up capital and appropriate training.
    The presence of many national currencies, as well as alternative digital currency units. So far, no system has been created that would be able to handle all existing currencies. If it is ever created, it will be based on a unique innovative technology capable of managing the world flow of money of all kinds.
    Each separately taken system develops according to its own plan and pursues goals that may differ from the goals of other projects.
    The dispute between payment systems, which of them is better, does not lead to consensus. Therefore, a unified system of electronic currencies has not yet been created. Each of the existing systems develops a range of services that could attract customers, create exclusive conditions for them, and a convenient interface. In a highly competitive environment, each financial system is in a state of searching for newer and bolder solutions aimed at the quality of its functions. For many of them, in the long term, it is seen that a single payment system can become a reality. After all, logically, it is possible that the current payment systems will rise to such a high level, beyond which there is simply nowhere to develop. And then something like a merger can happen, and this will become the basis for the formation of a single electronic payment system. But this is still only an assumption of analysts.
 

Electronic currency is the future

Analyzing the activities of the most famous electronic payment systems:

    Yandex money.
    Webmoney.
    RBK Money.
    PayPal.
    One Wallet.
    MoneyMail.
    Mobile wallet.
    EasyPay, etc.,

you can understand that each of them has its own advantages, otherwise they could not exist and, moreover, develop, if they did not have their clients. Now it is difficult to say how close or even real the idea of creating a unified electronic money system is. But it is worth noting that each of the presented ones is a certain model or prototype of the future global universal system. After all, many of them work with a huge number of national and digital currencies. The user can freely convert one currency into another in accordance with the equivalent and carry out transactions, as well as withdraw the currency that suits him. 

Electronic money is the main component of the payment system of the future

Several years ago, no one heard or knew about electronic money, because they simply did not exist. Before their appearance, they also argued, debated, made assumptions, guesses, and experimented. People endowed with talent and high professionalism in the field of programming were able to create this unique product. Something similar is happening now, when there is so much talk about a single system of electronic currencies.

Since it is electronic money that has become the subject that prompted the creation of electronic payment systems, it is worth dwelling on this phenomenon in more detail. After all, it is the digital currency that, for sure, will become the main capital and instrument for making transactions in the future within a single payment system.

Characteristic features of e-currency:

    High speed of money transfers.
    Instant processing of bank documents.
    Low commission percentage.

What is virtual money and its possibilities:

    The sums of money that are on the accounts of the computer memory of the payment system, thanks to a special electronic mechanism.
    Electronic storage of the value of money is provided by a technical device.
    Making transactions without mandatory access to deposits.
    An indefinite monetary obligation, confirmed by an electronic signature, which can be redeemed with paper money on demand.

This is a set of subsystems of cash and non-cash money or a settlement system using computer technology. Payment can be made without the participation of the bank, that is, from the payer immediately to the recipient. Judging by the capabilities, advantages and characteristics of digital currency, a single electronic payment system may well seem a feasible idea and clearly has a right to exist.
 

Largest electronic systems

Webmoney Transfer appeared at the end of 1998; anyone who knows how to use a computer can become its user. This system has a huge scale, in its arsenal there are electronic equivalents of almost all or almost all national currencies. The range of services for its users is very wide, we can say that all existing transactions with electronic currency are subject to it.

Using this system as an example, one can imagine a unified electronic money system, although, of course, it is not such.

PayCash was also created in Russia in 1998 and is also a large universal payment system. It is distinguished by its uniqueness in the field of modern online financial resources.

Yandex.Money is another popular system among millions of users, the main focus of which is servicing individuals. This system is not intended for commercial purposes.
 

Alternative electronic payment system Bitcoin

Its popularity is rapidly gaining momentum. Its main advantage, which all other systems lack, is decentralization. It is not subject to the influence of political or social upheavals taking place in a particular state. It is beyond the control of any central authority. Any inhabitant of the planet can use it. Transaction fees are low or nonexistent.

This digital currency cannot be falsified, since its circulation is carried out using a separate single server. All monetary transactions in the network form a continuous chain of blocks that stores the entire history of transactions.

The number of issued bitcoins is known at any time, as is the known limit, which by about 2140 will be brought to 21 million.

The emergence of the Bitcoin currency predicts the creation of a unified system of electronic currencies. This is possible thanks to the unique blockchain technology on the basis of which it was created.

Speaking about the popularity of this system, I mean its availability in terms of the fact that you can become a user easily and easily by installing a client application on your computer. It contains detailed instructions for each subsequent step.

An attractive point for potential users is complete confidentiality. No personal identification data is required from the person.

Many people complain about high volatility, passing it off as a disadvantage. In fact, Bitcoin has already experienced sharp jumps in the rate, but it has remained at a fairly high level and today is more than $ 400 per Bitcoin. Experts expect the rate to rise several times in the near future.

There are legends about this currency, it never ceases to be in the arena of forums, discussions and disputes. But the fact that it is the currency of tomorrow is almost beyond doubt.

As for the creation of a single electronic payment network, this system has a lot of chances in this direction. Cryptocurrency and payment system Bitcoin may well become a universal means of financial mutual settlements on a global scale.

Why is it better to link the card in the payment system

Today you wont surprise anyone with work on the Internet. Many Russians and citizens of post-Soviet countries are remotely engaged in copyrighting, web design, and brokerage. In most cases, payment for the work performed is transferred to an electronic wallet opened in a certain payment system. Sooner or later, the question arises with the withdrawal of funds.

In principle, there is nothing complicated in this procedure. But experienced users are advised to link the card to the payment system. This will make the withdrawal process faster and more convenient for the recipient. There are also a number of other advantages to this solution. What does the linking of the card to electronic money give?
 

Why link your payment card

Most newbies get lost when receiving electronic money and do not understand very well how they can be used. Of course, many online stores today accept payments in cryptocurrency. But most payments are still made using regular paper money. That is why it becomes necessary to withdraw funds from a virtual wallet. In such a situation, it is best to link the card to electronic money. It is also quite possible to do without it. But attaching a card to your personal account in a certain payment system provides the user with a number of advantages.

First of all, he will protect himself as much as possible from various frauds and all kinds of problems. Moreover, the very procedure for linking a card to electronic money is carried out very quickly and is not burdensome for the user. But immediately after that, he shifts all issues related to the security of payment to the bank. It is this institution that is now directly responsible for the reliability and efficiency of the operation performed. The bank takes a commission for its services, but its size does not exceed three percent of the transfer amount.

To link a bank card to a payment system, it is enough to indicate its details in a special window. As a rule, for all subsequent transfers, money will be transferred to it. The system will create a specific template, and the user will be relieved of the need to constantly indicate the details of his card. In addition to the obvious - saving time, the level of security of payment transactions also increases. After all, the user does not have to indicate a sufficiently large card number every time. And the slightest mistake will lead to the transfer of funds to an outsider.
 

Map binding: what are the features of the process?

Electronic money can be linked to a card issued not only in Russia. Also, for such an operation, cards issued by financial institutions of the former Soviet republics are quite suitable. Please note that some payments will not work through them. A big plus is that several cards can be connected to the payment system at once. For example, you can register five in Yandex.Money at once. In this case, one of the cards will be the main one and if the system participant uses the auto payment option, then the funds will be debited from it.

Sometimes a problem arises with linking a card to electronic money. If the service generates information about an error, then it is recommended to contact the banking institution that issued it. After all, certain cards are prohibited from making payments on the network, so the user will not be able to attach it to his personal account. If the operation is successful, the system will ask the user to confirm the binding verification. As a rule, a day is allotted for such actions. If the user for some reason changes his mind about attaching the card, then he just needs to not confirm his actions and then the operation will be canceled automatically.

Situations often arise when a system participant no longer wants to make payments from the attached card. To unbind, he needs to go to a special tab and follow the instructions. Then he will be able to start working with a new card, and if necessary, resume work with an old plastic card. By the way, you need to unbind the link when the card is issued again, if its details have changed.
 

How secure are payments from a linked card?

After the user has successfully linked a bank card to electronic money, the question arises about the security of payments. Some system participants are very worried about the fact that their data will be recognized by the recipients of funds. In fact, payment systems do not tell store employees the details of the payer, including his bank card. All this data is stored on a special page, reliably protected using modern technologies. In the process of making a payment, the user needs to specify his username and password in a certain payment system.

Quite often, to complete an operation, you need to enter a code in a special window. A one-time digital combination is sent to the user to a mobile phone whose number is verified in the system. Therefore, even if the information about the login and password falls into the wrong hands, the attacker will not be able to illegally use the users electronic money. After all, he will have to confirm his actions with a special password. And without a mobile phone of the system participant, he cannot do this.

Often, users who have already linked a card to a payment system complain that they have to re-designate their data when making a payment transaction. This requirement is due to security concerns. Thus, the system makes sure that the bank card details remain unchanged, and the holder transfers the money. This procedure does not take much time, but it significantly increases the level of safety of further operations.

Why currency on the Internet is not legally money

Virtual currency has existed on the virtual market for several years. However, most people are still convinced that electronic money is legally invalid. What led to the formation of this opinion?
 

The position of the official authorities

The staff of the European Central Bank prepared a report on the topic of virtual currency. In 2012, he was brought to the public. The report pointed out that certain communities are creating their own cryptocurrency. It is used by system participants to pay for goods and services. According to the report, virtual currency is a digital means of payment that is outside the sphere of government control. In this case, the role of controlling entities is played by developers, as well as members of the relevant community who use virtual money. This position has practically not changed at present.

According to the European Central Bank, money must meet certain criteria:

    be used as a legal tender;
    take an active part in money circulation;
    be a means of payment of a certain state.

Thus, regular paper currency and coins are considered legal tender. At the same time, the legal regime of virtual money does not provide grounds for their inclusion as real currency. After all, they do not have the necessary details listed above. They can be used in some areas, but do not have an official status in any state. They can be seen as a kind of substitute for fiat currency. Accordingly, the question of the applicability of banking secrecy in relation to payment transactions made using electronic money remains open. 

What do users themselves think about this?

According to people who actively use virtual money, they have the same value as fiduciary currencies. Cryptocurrency is quite possible to pay for the necessary goods or services. It also has a number of undeniable advantages over paper notes:

    Prompt execution of payment transactions. Currently, electronic money makes it possible to instantly pay. This is helped by numerous payment systems, for the use of which a small commission is charged.
    The availability of cryptocurrency is also important. After all, electronic payment systems work around the clock, seven days a week and holidays. This is very convenient for a client who does not need to adjust to the work schedule of a financial institution.
    The ability to make payments all over the world. Payment systems work with almost all countries of the world. Therefore, there is no difficulty in sending a payment to the other side of the world.
    High level of security for payment transactions. Cryptocurrency is actually an encrypted digital format that is very difficult to crack. User accounts of payment systems are reliably protected thanks to modern technologies. In order to legally confirm the execution of a transaction with electronic money, it is necessary to enter not only the login and password for the account, but also a one-time code that comes to the mobile phone of the system participant.
    Free convertibility. Numerous payment systems and exchange services allow you to easily exchange cryptocurrency for regular money. Experienced users recommend performing exchange operations on specialized services and exchanges, since the internal rate of most payment systems is always below the market rate.

Despite the fact that the legal regime of electronic money remains uncertain, the position of cryptocurrency in the market is strengthening every day. This is evidenced by the increase in outlets where you can pay with virtual funds. And all business on the Internet is based on electronic means of payment.
 

The state of virtual currency at the present stage

Currently, the banking systems of some European countries have issued a warning against making payments using electronic money. From a legal point of view, most states have not outlawed cryptocurrency. Only the governments of Ecuador and Bangladesh decided on such actions. It should be noted that in these countries only national means of payment can be used.

At first, the Thai authorities also banned virtual money, but after a short time this restriction was lifted. For the sake of fairness, it must be said that operations with cryptocurrency are allowed to be carried out under certain conditions. The Chinese people can use electronic money at their own risk. But it is not possible to make an operation in the bank.

As for Europe, in many countries the issue of the legal regime for the use of electronic money has been positively resolved at the highest legislative level. The Spanish authorities have recognized Bitcoins as an electronic payment system. Cryptocurrency transactions are governed by local laws. So, gambling establishments working with virtual currency must have an appropriate license. Some retail establishments in Madrid sell goods for electronic money. They plan to create the so-called Bitcoin Boulevard on one of the busiest streets in the city.

The authoritative German publication quotes the words of the Minister of Finance, according to which the government recognized the cryptocurrency as a means of mutual settlements between individuals. In the near future, it is planned to amend tax legislation so that such transactions are subject to fees. Such a decision will make Germany the first country in the world to officially allow business using electronic money. It is worth mentioning that it is in Germany that a well-known financial institution called Fidor is located. This bank quite officially serves cryptocurrency exchanges located in Europe.

As for the USA and Australia, in them the cryptocurrency is equated to property assets. The Hong Kong authorities consider it to be a virtual value that can be used as payment for goods purchased or services received. Cryptocurrency machines have already been installed in most European countries. Restrictions at the legislative level are still introduced in Kyrgyzstan and Iceland. But even there, everyone can keep virtual money without the right to use it.
 

How is the situation in Russia

At the present stage, electronic money in Russia has not been legally recognized. And its not even about the lack of a legislative base, because relatively few countries can boast of developments in this direction. The negative attitude on the part of the prosecutors office and the Central Bank has borne fruit. Most of the companies that have already worked or were ready to start activities using cryptocurrency have abandoned their intentions. Many of these businesses have gone through a series of unpleasant inspections. The official position of the authorities was very clearly formulated in a statement from the prosecutors office, in which virtual money was called a surrogate for legal currency. A law banning virtual currencies is expected to be passed in the near future.

Who is Satoshi Nakamoto

Even those who are not members of the Bitcoin community have heard the name Satoshi Nakamoto at least once. According to numerous versions, it is believed that this is the fictitious name of one or more of the creators of the first Bitcoin cryptocurrency. For unknown reasons, it was decided to hide who Satoshi Nakamoto was. And I must say that throughout the time since the appearance of the new digital currency, no one has been able to reveal the real name of one or a group of authors.
 

Chronology of events

Under the name Nakamoto, on the eve of 2009 (on New Years Day, December 31, 2008), an article titled "Bitcoin: A Peer-to-Peer Electronic Cash System" was published. It was on the cryptography mailing list. It described in detail the system created by Satoshi Nakamoto, Bitcoin, the main characteristic features of which are the absence of centralized control, the ability to make money transfers between two persons without the intervention of a third party. The Bitcoin network was launched immediately after the release of the initial version of the Bitcoin wallet.

Information appeared on the P2P Foundation website, which attracted the attention of many curious people, including cryptocurrency supporters. It provided some biographical information that he lives in Japan and he is 37 years old. After that, there was talk, controversy, various versions were put forward about the reliability of this name and the meager biographical facts. The reason for suggesting that this is a pseudonym is a guess based on such facts: Nakamoto expresses his thoughts in perfect English, which is not inherent in the Japanese. In addition, the question arises as to why the Bitcoin software is not adapted to the Japanese language and is not documented in the native dialect of the inventor.

In mid-2010, a person (or, as it is assumed, a group of people) who called himself Satoshi Nakamoto retired and no longer appears among the members of the Bitcoin project working group.
 

Versions of Satoshi Nakamotos identification

In the course of the search for who Satoshi Nakamoto is, there were many candidates who could correspond to this pseudonym, but none of the versions has been proven. The results of journalistic investigations were published in the media, where one could hear many names claiming to be Satoshi Nakamoto himself. But they were all refuted and eventually forgotten.
 

Unsure - dont pretend

In recent days, information has again filled the air that the entrepreneur from Australia Craig Wright is the real Satoshi Nakamoto. Attempts to identify Wright with the true creator of Bitcoin began late last year, but then they were unsuccessful. Wright was not only not recognized, but also added to him notoriety. After all, the evidence was found to be fake.

The latest events, on the one hand, have clarified and reawakened interest in the person of Craig Wright. On the other hand, again there is no one hundred percent certainty, especially since the programmer himself brings certain doubts into this version.

As for Wrights personality, her qualities could well have matched Satoshi Nakamoto, the creator of the Bitcoin system. He is a computer security professional with a degree in finance and law, a successful businessman with several large companies based on sophisticated innovative technologies. Another interesting detail that allows an analogy between the two names is that Wright is interested in Japanese history and culture.

After last years failure to prove his involvement in the creation of Bitcoin, Wright has experienced a real boom from overly attention to his person. In addition, it was not only intrusive, but also accompanied by a charge of colossal negativity.
 

Again on the same rake

But more recently, at the beginning of this week, an event occurred that brought all interested persons and curious journalists back to the name Craig. He returns to the topic of his identity again and proposes a meeting in March of this year to his colleague, who worked with him in the Bitcoin cryptocurrency group Gavin Andresen. Allegedly, he is ready to present irrefutable documentary evidence that he is Satoshi Nakamoto.

Overwhelmed by thoughts of last years Wright failure, Andersen did not immediately agree. But after a second invitation, this meeting took place in one of the London hotels. To carry out the test, a completely new computer was taken to avoid fraud. As a result of the evidence demonstrated, Wrights colleague had no doubt that he was facing the real Satoshi Nakamoto, the inventor of the Bitcoin cryptocurrency.

Further, events developed rather strangely, because Wright in front of the public did not repeat what he showed Andresen, but for some reason offered a completely different version of the test. And the results were not in his favor. What was it? Deliberate unwillingness to reveal themselves? There were a lot of questions that remained unanswered. Andresen found this explanation: in fact, Wright, as it were, is not against the recognition of such a unique invention by the author, but on the other hand, it is very annoying, leads to a state of heightened emotionality.

Wrights confession

As expected, Wrights confessions echo his unwillingness to be the focus of such scrutiny. Therefore, for a long time he hid his name under a pseudonym, and is very sorry that he revealed this long-standing secret. He writes that he is very grateful to the people who were engaged with him in the invention of the worlds first cryptocurrency and does not want to create inconvenience and even, as he put it, hurt them. After all, the problems going on around: who is Satoshi Nakamoto, speculation does not reflect in the best way on those who were involved in this case.

What fraction of the truth in this is known to Wright himself and the Lord God, but, as they say, everything secret becomes clear, which means that we will someday know the truth.

Why is a profitable exchange of electronic currencies not everywhere?

The Internet gave people the opportunity to communicate, learn and receive unique information. At least that was the intention at first. Now the web provides everyone with great opportunities in all directions. The number of network users has already exceeded 1 billion. Such a large concentration of people united in one large network, sooner or later, would arouse interest from businessmen and investors. Indeed, with good ideas and a lot of capital, you can create projects that will bring a stable income.

The possibilities of ordinary network users today are almost endless. Now everyone can earn at home, and decent money. Copywriting, web design, programming, trading on currency exchanges, online business, content management are just some of the Internet professions that are relevant today. But if a person starts to make money online, then he somehow needs to withdraw his money, and it is desirable that the exchange of electronic currencies is profitable. After all, no one wants to lose a part of the amount earned on currency conversions, and exchange commissions sometimes reach 5-7% of the transaction amount.
 

Why do not all exchangers offer the same exchange rate?

Indeed, why is the exchange rate in each exchanger different? What is the basis for determining the value of a particular currency? After all, there are already more than 50 sites working in this direction, and only a few can offer a favorable rate for electronic currency exchange. In order to answer these questions, you need to understand what the electronic money exchange system is.

Electronic currency exchangers are websites that offer users to exchange one currency for another and withdraw it to their virtual wallet or bank account. In addition to standard currency positions (dollar, euro, ruble, yuan and others), many exchangers work with cryptocurrencies (Bitcoin, Dogecoin, Namecoin, Litecoin and others).

Lets consider five facts regarding the exchange of electronic money, which will help to understand what determines the exchange rate of a particular currency:

    Resource capabilities. Fluctuations in the rate of electronic money do not always depend solely on external factors (the amount of oil produced, politics, military conflicts), often the rate is based on the capabilities of the Internet resource itself. For example, if a new exchanger opens, then for the first customers it will offer a more profitable exchange of electronic money. This move allows you to attract attention at the first stage of project development.
    Exchange rate. Exchangers on the Internet are known for the speed of transactions, and many of them put this point among their advantages. Even advertising slogans, designed to describe in one phrase the uniqueness of the services provided, often sound like this: "Instant currency exchange", "Profitable and fast exchange of electronic money" and other similar phrases. Experienced users who understand the essence of the ongoing processes know that the higher the exchange rate, the higher the commission. Many sites have a deferred payment feature. Yes, the term of the transaction increases, but the commission is much lower.
    The course may fluctuate depending on the day of the week and time of day. Its a paradox, but the exchange rate in electronic exchangers depends on the number of transactions carried out at the moment. On weekends, the rate will always be more favorable, since the demand for exchange transactions is lower.
    Popular exchange directions also play a role in course formation. For example, if for a long time users have been actively changing WMR to Qiwi RUB, then exchangers will automatically raise the rate in this direction to attract more customers. In this case, competition plays into the hands of ordinary users. Sometimes the terms of currency conversion in such exchangers are more favorable than in official financial institutions.
    Monitoring offers. Each exchanger has its own advantages and disadvantages. Someone has a better rate in relation to WMZ to Bitcoin, while others offer a more profitable exchange of electronic currencies in the direction of Pay Pal USD - Qiwi RUB. Monitoring centers help determine the best conditions for converting, taking into account the current offers of the exchanger network.

This information suggests that a favorable electronic currency exchange rate depends on many factors. It should be noted that most of the virtual exchange offices do not have official permission to carry out such operations. The sites are hosted by other countries, and their activities are not regulated by the Central Bank of the Russian Federation.

The absence of external control gives the freedom to form the value of one currency in relation to another, but tough competition between exchangers excludes an unreasonable increase or decrease in the rate. In the sector of electronic currency conversions, competition plays a primary role, but the resource administration sets the prices.
 

Currency exchange rate monitoring services

It is not so easy to find a way to exchange electronic money profitably. There are many exchangers, and each strives to attract the attention of customers, offering unique terms of cooperation. But it is difficult to judge the potential benefit by looking at just one resource. To obtain reliable information, it is necessary to study the entire range of offers on the electronic currency exchange market. Experienced users know the algorithms of work of such sites and have the ability to find the best exchange offers in a matter of minutes. Especially well versed in this are "electronic currency dealers" who make money on rate fluctuations in different exchangers. What should a beginner do when he first finds himself in a situation when it is necessary to profitably exchange electronic money?

If there are so many virtual exchange offices, then there must be a system that tracks all offers and conversion conditions. The electronic money monitoring system allows you to conduct a deep analysis of each exchanger, study the conditions for the provision of currency conversion services and build Internet resources as attractive to the client.

Lets analyze the functionality of the monitoring system based on the bestchange.ru website:

    You can work on the site without registration. It was created so that the user can quickly choose the most profitable exchange rate for electronic currencies in the direction he needs.
    On the left there are two tables with a list of currencies. The first table is the currency that will change. The second is the currency that the user will receive in the end.
    When choosing an exchange direction, a list of exchangers that support this operation is shown in the central part of the site. The first on the list are exchangers with the most favorable electronic currency exchange rates.
    After the user has made a choice of the site where the exchange will be made, he goes to the exchange site. Next, you need to enter the necessary information and details and agree to the terms of service.

There is a profession "electronic currency trader" or "free trader". These people are not tied to a particular marketplace. Users, using various exchange monitoring services, find the difference in rates and make a profit through a series of currency conversions. It is really possible to earn money by exchanging electronic money on favorable terms, but this requires complete immersion in the system of speculative operations.

Electronic currency exchange fraud schemes

Sometimes there is information on the Internet that you can earn big money on exchangers without special skills. But its not that simple. It is really possible to make money on this, but this requires experience and knowledge. Fraudsters act as follows: a curator (advisor, teacher) finds a person who is ready to invest a certain amount in a win-win scheme of earnings and offers cooperation. He teaches how to make a profit by profitable exchange of electronic money in Western exchangers. First, an amount is deposited for a Russian service, and a conversion is made, for example, into Bitcoins. Then this cryptocurrency is changed in foreign exchangers for dollars and is withdrawn to an electronic account. Whats the catch? And the fact is that, most likely, the client will not be able to withdraw money from a foreign site, and the curator will receive his deductions from the referral program. Even if the money can be withdrawn, the “victim” will still lose part of the invested funds.

E-raha kasumlikuks vahetamiseks pole nii lihtne leida. Vahetajaid on palju ja igaüks püüab klientide tähelepanu äratada, pakkudes ainulaadseid koostöö tingimusi. Kuid ainult ühe ressursi analüüsimisel on raske hinnata võimalikku kasu. Usaldusväärse teabe saamiseks on vaja uurida kogu pakkumiste valikut elektroonilisel valuutavahetusturul. Kogenud kasutajad teavad selliste saitide töö algoritme ja oskavad mõne minuti jooksul leida parimad vahetuspakkumised. Eriti hästi tunnevad seda "elektroonilist valuutat", kes teenivad raha erinevate vahetajate kursikõikumiste arvelt. Mida peaks algaja tegema, kui ta satub esmakordselt olukorda, kus on vaja kasumlikult e-raha vahetada?

Kui virtuaalseid valuutavahetuspunkte on nii palju, siis peab olema süsteem, mis jälgib kõiki pakkumisi ja konverteerimistingimusi. Elektroonilise raha jälgimissüsteem võimaldab teil teha iga vahetaja süvaanalüüsi, uurida valuutavahetusteenuste osutamise tingimusi ja ehitada Interneti-ressursse kliendile atraktiivseks.

Analüüsime seiresüsteemi funktsionaalsust saidi bestchange.ru põhjal:

    Saidil saate töötada ilma registreerimiseta. See loodi selleks, et kasutaja saaks kiiresti valida elektrooniliste valuutade jaoks kõige kasumlikuma vahetuskursi vajalikus suunas.
    Vasakul on kaks tabelit valuuta loendiga. Esimene tabel on valuuta, mis muutub. Teine on valuuta, mille kasutaja lõpuks saab.
    Vahetussuuna valimisel kuvatakse saidi keskosas seda operatsiooni toetavate vahetajate loend. Esimesed nimekirjas on kõige soodsama elektroonilise valuutakursiga vahetajad.
    Pärast seda, kui kasutaja on valinud saidi, kus vahetamine toimub, läheb ta vahetuskohta. Järgmisena peate sisestama vajaliku teabe ja üksikasjad ning nõustuma teenusetingimustega.

On olemas "elektroonilise valuutakaupleja" või "vabakaupleja" elukutse. Need inimesed pole seotud kindla turuga. Kasutajad, kasutades erinevaid valuutavahetusteenuseid, leiavad kursside erinevuse ja teenivad kasumit valuuta konverteerimise sarja kaudu. Soodsatel tingimustel elektroonilist raha vahetades on tõesti võimalik raha teenida, kuid see nõuab täielikku sukeldumist spekulatiivsete operatsioonide süsteemi.

Elektroonilised valuutavahetuspettuste skeemid

Mõnikord on Internetis teavet selle kohta, et ilma spetsiaalsete oskusteta saate vahetajates palju teenida. Kuid see pole nii lihtne. Selle jaoks on tõesti võimalik raha teenida, kuid see nõuab kogemusi ja teadmisi. Petturid käituvad järgmiselt: kuraator (nõustaja, õpetaja) leiab inimese, kes on valmis investeerima kindla summa kasum-võiduskeemi ja pakub koostööd. Ta õpetab, kuidas teenida kasumit, vahetades Lääne rahavahetajaid kasumlikult e-raha. Esiteks deponeeritakse summa Vene teenuse eest ja konverteeritakse näiteks bitcoinideks. Seejärel vahetatakse see krüptoraha valuutavahetuses dollarite vastu ja võetakse välja elektroonilisele kontole. Mis saak on? Ja tõsiasi on see, et suure tõenäosusega ei saa klient välismaalt saidilt raha välja võtta ja kuraator saab oma suunised saateprogrammist. Isegi kui raha saab välja võtta, kaotab “ohver” ikkagi osa investeeritud vahenditest.

What are the features of withdrawing electronic money? Electronic currency, as a new form of handling money supply, offers unique opportunities for a huge variety of transactions without withdrawal online. But since nobody canceled paper money, there are times that require the withdrawal of electronic money. Electronic payment systems provide such a function and offer several options. Each user of digital currency has a virtual wallet through which money turns are made.

Acceptance / payment of funds, storage of savings can be carried out using a PC and even a mobile phone. Withdrawing an electronic wallet allows you to get your hands on fiduciary paper money, without which a person cannot do without. Owners of virtual funds should feel confident and not ask for trouble, be law-abiding citizens of their country. To do this, there are legal ways to withdraw electronic money, which can be used if you have a certain status. It is necessary:

    Register as an individual entrepreneur and pay tax according to the simplified system - 6%.
    Become an individual entrepreneur. Then the tax will be 13%.

If someone believes that registration will bring additional hassle, loss of time for the submission of the declaration and other difficulties, he must weigh everything. The main thing is to be aware of the benefits of registering an individual entrepreneur:

    The privilege of obtaining loans.
    Legal basis for conducting business negotiations with partners or potential clients.
    No problems when applying for a visa.
    A clear conscience before the law.

Those who are not ready to part with 13% of their funds and do not want to spend too much time on registration may be at risk if they are recognized as violators of the current legislation. Everyone chooses to be an honest citizen, to live in accordance with the legal requirements of regulations, or to risk being a defendant before the law.

In the case of using dishonest methods of withdrawing money bypassing the law, the violator faces a fine, so you need to think about where you will find it - where you will lose it.

Currently, electronic money can be withdrawn using the following mechanisms:

    Transfer through a banking institution, if necessary, convert them into the equivalent of the currency that is needed for withdrawal.
    Transfer from a legal entity to an individual, in which case the latter can withdraw them in the first way.
    By refunding funds if they are not used.
    Set up a system of regular payments in large amounts (at least 600 thousand rubles).

 When withdrawing an electronic wallet to fiat for an amount not exceeding 10 thousand rubles, you can use the following methods:

    Through guarantee.ru. This is an open way; data on completed transactions becomes the property of the tax authorities. But if this is a small amount, such a transfer is not considered illegal.
    Instant money transfers are acceptable ways of withdrawing electronic money using appropriate systems, in particular, the Operation looks as if a person himself transferred money from an electronic wallet to a bank account, so that, for example, not to carry cash with him from one settlement point to another. If they are at a great distance.
    Application of the scheme: WMR - Yandex.Money - Bank. Here you need to be very careful, and indicate something neutral in the purpose of payment. It is better to avoid the wording “return of unused funds”, because it can attract the attention of the tax service and provoke an unplanned audit. Tax officials will notice some uncertainty in this, may show increased interest and want to clarify the real reason for the "non-use" of money.
    Withdrawal of funds through exchange offices. Withdrawing electronic money in this way, you will have to pay a high percentage of the commission. Nevertheless, this method is the most acceptable in terms of security. A person who withdraws his funds through an exchange office will not be “grabbed by the hand” as a potential violator.

Types of exchange offices

    Online exchangers are used to withdraw money from an electronic wallet. Appointment: "natural person to individual". Thus, the money is transferred to the bank account, after which the client can easily withdraw and receive it in their hands. There is one caveat that allows for the possibility that a bank accepting payments might ask a question about the originator of the money. But this, as a rule, happens more often when exchanging large amounts.
    An offline exchanger is another way to withdraw electronic money to fiat, the safest of all types. It is a simple process: a request for a sale is submitted. Once the request is approved, you can come and take your cash.

Through bookmakers. This method is not entirely simple, it practically consists in deceiving the office. After transferring electronic money to her account, the depositor does not make any bets, but only after some time has elapsed, ask to return his money. But to use this option, you need to know well about the conditions of the office, so as not to "pay big" for your cunning.
    The exchange directly, unlike the previous one, is quite simple. A person who needs electronic money is found through the forums, and an exchange is made with him. The only problem is the reliability of the one with whom you have to make a money transaction.

Pay your taxes - sleep well

Of all the existing methods of withdrawing electronic money into ordinary denominations, of course, only legal ones should be used, within the framework of the law. After all, someone who seeks benefits in a tax haven, in the end, may lose much more than he saved. To this can be added the moral state in which a person can either be absolutely calm, or lose sleep and live in constant fear of an answer to the law.

How security is achieved in payment systems

At the dawn of the emergence of electronic payment systems, the foreground was the creation of a user-friendly interface, a maximum of functions, ensuring ease of handling instruments for making monetary transactions. At the first stage, such services were not as large-scale as they are now. Back then, the issue of ensuring security in payment systems was not as acute as it is now.

With the development of payment systems, it is necessary to improve security

The pace of development of the virtual payments industry is impressive. Even the once ardent opponents of innovation recognized their successes. As you know, with an increase in the intensity and movement and volume of cash flows, the number of fraudsters and methods that allow them to misappropriate other peoples money also grows. Moreover, the mechanisms are constantly being improved.

The unprecedented scale of cybercrime, which is constantly growing, confronts developers and owners of online money transfer resources with the need to develop new, sophisticated, effective and reliable ways to ensure security in payment systems. Securing customer savings is one of the main priorities and challenges of this very profitable type of Internet business today.

Service owners should not forget that since a person is able to create this or that complex system, there will also be those who can hack it. Therefore, you need to go one step ahead of the scammers who, unfortunately, have always been, are now and, most likely, will exist in the future.

The use of special technical algorithms can guarantee the security of the payment system. Currently, this issue has become a real problem, because it is precisely because of the weak security system that many services cease to exist. The modern user is quite sophisticated in the specifics of payment systems, and if he intends to use large amounts of digital currency, the number one issue for him is security.

The most reliable and secure

The popularity and level of security of settlement systems are at the same level. This is obvious, because each user, first of all, thinks about the safety of their funds, and then about everything else.

The Webmoney system has been recognized by tens of millions of users. And, despite the fact that they must fully identify themselves before entering it on full rights, this does not prevent her from becoming one of the most recognized. Thanks to the many years of practice of Webmoney users, you can make sure that this payment system can really provide security.

In any case, in this system, there was practically no infringement of confidential information, not a single client suffered either morally or financially. The content of e-wallets is under vigilant protection, for which innovative technologies and special software are used.

The Webmoney service is sometimes criticized for its excessive enthusiasm for checks and identification requirements, which significantly complicates the authorization procedure. Here, the institution of SMS confirmations is widely used, which significantly enhances security, makes it practically invulnerable to possible hacker attacks. But at the same time, it does not lose its users, their number is increasing every day.

The Yandex.Money payment system is more loyal in its requirements for users, and is not carried away by an excessive number of levels of protection. When registering, she does not use SMS confirmation, as well as when making transactions. Nevertheless, Yandex.Money applies certain protection methods that exist in payment systems. Although, along with simplifying and eliminating additional funds, users often find themselves in a difficult position when their contributions are threatened with an obvious loss. Therefore, the desire to make life easier for users is not always justified without requiring them to take additional actions. As a result, the security of the payment system account may be a big question.

Only the fact that not too much money is "spinning" in the Yandex.Money system, the probability of fraudsters interference is minimal. After all, this service is not intended for commercial use, its customers are ordinary people with little capital.
 

Phishing is the result of a users lack of vigilance

A problem that in its scale claims to be a "prize" among other types of danger is phishing. The owner of the service, of course, must provide for the availability of maximum types of security in payment systems. But this is sometimes not enough, if the user himself admits negligence, forgets about vigilance.

The point is that a person himself must take care of the security of his electronic money. In no case can you transfer, leave on third-party sites the data of your wallet, payment details. You cannot be gullible and succumb to the tricks of fraudsters who, under some fictitious pretext, will ask you to provide a password, login or other confidential information. As compelling as the request may be, it is all a blatant deception aimed at taking over the contents of an electronic wallet.

Useful tips to ensure safety

There are known ways to ensure security in payment systems:

    The uniqueness of the password, you cannot use the same option that is already available on other services. It is undesirable to use your year of birth, name or surname in passwords, otherwise it can be easily deciphered. The ideal option is a combination of numbers and letters of different registers.
    When connecting to a payment system and registering, you should not use public Internet coverage areas.
    You should never, under any circumstances, provide information about your password, login, details. They are the exclusive property of the user, no third party has a right to them.
    Do not get carried away with suspicious links, they may turn out to be spam. Once you open such a site, you can immediately be an easy target for scammers.
    Do not fall for the tricks of clone sites that pursue their nefarious goal. If you overlook and take it for the real one, where your e-wallet is registered, during authorization, you can involuntarily give out data that will be used by scammers.
    Update the databases of anti-virus systems.

If you make the right choice of a reliable payment system and follow the advice, you can maximally protect your electronic money, and it will never fall into the wrong hands.

The first cryptocurrency was Bitcoin, which appeared in 2009 and caused a real sensation among users of the global network. Since then, the popularity of the new currency has only been gaining momentum. Since 2011, there have been many more cryptocurrencies. Unique in its kind "substitutes" for paper money attract independence, new opportunities, affordability and low fees. What caused the diversity of cryptocurrencies? What types of new "electronic" money exist today?

Types and features of cryptocurrencies

If we consider the most popular cryptocurrencies, then the following options are worth highlighting:

Bitcoin (Bitcoin) is a pioneer among many cryptocurrencies. Year of creation - 2009, developer - Satoshi Nakamoto. This monetary unit is not just an alternative to the “pieces of paper” that circulate in cash. It was issued as a currency that repeats the properties of gold. The emission of new money from the first days of its appearance was limited and amounts to 21 million coins. Bitcoins are mined by solving complex problems and creating new blocks.
Litecoin (Litecoin) is the next type of money that has appeared since October 2011. The developer of the system was one of the employees of Google, who had previously quit his job and switched to his own "bread". Charlie Lee (this is the name of the creator) planned to peg the new currency to the value of silver. This is why this currency is called "electronic silver". The Litecoin rate is regularly growing, which is caused by the limitation of this money (up to 84 million coins). Unlike Bitcoin, Litecoin mining is faster (four times on average).
Primecoin (Primecoin) is a currency that is positioned as an adjusted version of Bitcoin, its copy. The year of issue is 2013. The developer of the cryptocurrency is Sunny King, who created a number of other electronic money. The hallmark is the usefulness of computation. The system calculates prime numbers that are necessary to solve other useful problems in mathematical, cryptographic and other fields of activity. The best miners can expect rewards that range from one million to one billion.
Percoin (Peercoin). There are a lot of cryptocurrencies released today that deserve close attention, and Percoin is one of them. The year of creation is 2012. The main difference from the money considered earlier is that there are no restrictions in terms of emission, which is a big plus. But there is also a minus - the tendency to inflation, which is about one percent per year. When creating new money, the developers did not invent anything. Despite the diversity of cryptocurrencies, all the new money has similarities. It happened in this case as well. In fact, the currency is based on the source code of Bitcoin. As for mining, things are different here. Unlike Bitcoin, the money is distributed not only between the "miners", but also between the owners of the cryptocurrency.
Namecoin is another popular system among many cryptocurrencies, which is a set of alternative DNS servers. The currency was created back in 2011. It has an emission limit of 21 million coins. There is no central server in Namecoin, that is, it is decentralized. The main goal is to distribute the domain resource system on the network. The new currency is used to pay for the registration of domains with the .bit extension. Thanks to reliable protection, domain hacking is virtually impossible.
Feathercoin is a copied version of Litecoin, already discussed earlier. The year of creation is 2013. The main feature of the system is the possibility of emission, which is several times higher than the tolerances for other alternative currency units (336 million coins). The money gained popularity only thanks to the developers statement to eliminate all existing vulnerabilities. It was against the background of increased reliability that Feathercoin was promoted among the masses.
Freycoin (Freicon) is another currency created on the basis of Bitcoin. The year of creation is 2013. The main task of money was to solve problems with cash, and to eliminate many problems associated with the accumulation of funds. There is also a release limit of 100 million coins here.

Reasons for the popularity of cryptocurrencies

What caused such popularity of new money? Why have so many cryptocurrencies emerged over the past seven years? There are several reasons for this:

- The new systems are decentralized, which ensures that there is no oversight from the governing bodies. The emission of new money is a programmable process that does not depend on the level of supply and demand, but on the performance of complex calculations in a computer network, as well as the solution of a number of problems by miners.

- Full freedom. As already mentioned, the diversity of cryptocurrency is caused by another factor - the lack of control of transactions by the bank, tax police or other supervisory authorities.

- Confidentiality. Online payments are completely private. Thanks to the new money, many are avoiding paying large taxes. On the other hand, there is a risk of being left without money in the event of an attack by hackers or other force majeure situations. In addition, the confidentiality factor contradicts the current international standards, as well as the rules for disclosing data when making transactions.

- Lack of a common organizer of trades, as well as companies that issue many cryptocurrencies. The system is independent, which makes it more promising.

- Resistance to inflationary fluctuations. One of the main advantages of most cryptocurrencies (not all) is inflation resistance. At the same time, experienced investors understand that over time, the value of such a currency will only grow. This is why many traders and investors are actively playing on the exchange rate price of the new money and making a lot of money.

- Lack of commissions. Users who often make transactions between countries are interested in one of the main qualities of cryptocurrency - the absence or minimum level of commissions. Unlike classic bank payments, here the costs of making a transfer are minimal, which allows you to carry out transactions with large amounts and not worry about the safety of funds in your wallet.

Thus, the popularity of cryptocurrencies is justified. Of course, there are also negative factors, for example, lack of security, limited emission, low level of security and others. But all this is insignificant. Most of the participants are interested in three main advantages - privacy, no commission and decentralization. These factors are the main driving force in the creation of new cryptocurrencies.

At the same time, one cannot dismiss the theory that electronic money has the form of a pyramid scheme with all the risks and properties that follow from this. Early adopters get more opportunities than people who come over time. The closer the number of coins is to the emission limit, the more difficult it is to mine and the higher the market price.

The financial market has acquired such a variety that everyone has the right to find for themselves the most acceptable option for relationships with banks and payment systems. Thanks to the Internet and the emergence of virtual money, it is possible to make payments more conveniently, profitably and easily, why not use it?

Why and how to bind a bank card to Yandex.Money, many are interested. And having learned that it is quick and easy to do it, they become users of this popular electronic payment system with a bank card attached to it.

The meaning of linking a bank card

What is this binding for? Firstly, it frees from the cost of commissions for transactions made from a bank card. It is worth linking the card to Yandex Money, and immediately there will be no need to replenish the account in the Yandex wallet.

You can now make payments from a card without specifying additional data when purchasing goods in the online market. A kind of mutual integration of the bank card and Yandex.Money wallet is taking place.

What and how many bank cards must be linked?

Holders of Visa bank cards, including Electron, MasterCard and Maestro, issued in the countries of the former Soviet Union, can link them to the electronic system without any problems. If the card is issued in another country, then the binding process itself can be carried out, but in this case the passage of some payments will be limited.

The question about the number of linked cards is decided by the user himself, but there can be no more than five of them. One of them is the main one, a maximum of transactions will pass through it. In particular, payments in automatic mode without the participation of its owner or as a result of personal permission to transfer money to an external application.

On the official website "Yandex.Money" in the "Bank cards" section, in the "Settings" section, you can find guidelines on how to link, unlink and issue new cards.

Many have already acquired a Yandex.Money bank card. Taking it for a full-fledged credit card, they ask themselves whether it is possible to do with it in a similar way and link it to an electronic Yandex wallet. The answer is unequivocal: no. This process doesnt make sense.

How and where to start?

Before linking a bank card to your Yandex Money wallet, it is very important to prepare everything you need. A recommended bank card with all the necessary data is required. This card must have activated Internet acquiring and Internet SMS banking services. If you are in doubt or there is no such service, you need to call the hotline, clarify and settle everything in accordance with the required conditions.

To link a card to Yandex.Money, you need to follow the usual procedure, similar to the process of registration or authorization on sites. Since you are already a Yandex.Money user, all that remains is to enter the site, open the required Bank Cards page and activate several options prompted by the program by entering the card details (number, expiration date and CVV / CVC codes). The process ends with the confirmation of the binding.

How do I complete the binding?

To complete the procedure, you need activation, which is carried out as follows: after all the recommended actions, a small amount of funds will be blocked on the bank card. Within three hours, the user must contact the bank by phone or visit the institution directly and find out the exact amount of the deposit. Within this time, it must be entered and after that the linked card will be activated.

The most frequent questions from users

:Why is an error thrown during binding?

This may be due to a mismatch in the card. If everything is correct with the card, but the error is not removed, you need to contact the bank via the hotline and clarify. After all, there are cards that cannot be used for online payments.

Can I unbind?

It can be canceled automatically if no confirmation is made within 24 hours. If the decision to cancel is made after activation, then you should return to the settings and on the corresponding page and unlink, strictly following the instructions of the service provider.

What if the linked card has expired and a new one has been received?

In the new card, of course, the details will change, which means that you need to perform operations to cancel the old one, and then you need to follow the instructions on how to link a bank card to Yandex.Money.

Yevgenia Zavalishina, director of Yandex.Money, says that almost 90% of all transactions made with bank cards refer to withdrawing money to fiat. After that, users top up their e-wallets with withdrawn cash. It is inconvenient, unprofitable and irrational. An ideal way out to simplify the process is to link the card to Yandex.Money.

The advent of the Bitcoin cryptocurrency has provided jobs for many network users. People have learned not only to mine Bitcoin, but also to increase capital using special Bitcoin faucets. The downside is that earnings on such sites are insignificant and it makes sense only when working on several resources at the same time. Its a different matter if you create a Bitcoin faucet yourself. Many great prospects are already opening up here, and incomes are increasing several times.

What are the advantages of creating your own Bitcoin faucet?

Before making a Bitcoin faucet, its worth understanding the benefits of working. Here it is worth highlighting the following points:

Accessibility for everyone. To realize a plan, you do not need to have any special knowledge - it is enough to have a goal and a little time.
The ability to earn a whole group of cryptocurrencies. If you wish, you can design a multi-currency Bitcoin faucet that allows you to earn not only Bitcoin, but also a number of other cryptocurrencies, for example, Litecoin, Primecoin, Dogcoin and others.
Base availability. To create a crane, you do not need to install complex programs - everything is done on the basis of existing scripts.
Minimum costs. To implement the task, you do not need to invest a lot of money, but the result can cover even the most serious expectations.

Step-by-step instructions for creating a Bitcoin faucet

To create a crane, you must act according to the following algorithm:

Buy domain and hosting. Today, more and more companies are emerging that offer storage services and sell domains at affordable prices. To get started, you can use the services of free hosting. As for the domain, it is worth giving preference to such zones as .ru or .com. Over time, it is worth using the services of paid hosters, which offer customers a wider range of services.
Upload Bitcoin faucet script. When buying a hosting, the user has access to the folders where the files of the future site are downloaded. Here you can use an FTP client or upload information directly to the hosting to the root folder. Where can you find a special program? You just need to go to the FaucetBox website and download the script. Next, you should unzip the file and upload it to the folder with the site.
Database creation. To create a Bitcoin faucet, you cannot do without a database, which is done through the control panel right on the hosting site. The established data (login and password) must be saved and access to them by unauthorized persons must be limited.
Editing the configuration file. After completing the steps above, you need to modify the config.php file. It should enter the server name, database username, database password, and also its name. A number of parameters, for example the hostname, are sent by email.
Setting up the administrative part. Above, we looked at how to make a Bitcoin faucet. But it still needs to be configured. So, it is worth paying attention to the administrative part - choose a future currency, decide on the level of awards on the tap, come up with a name and description (you can use a slogan), choose a suitable captcha service and a theme for the tap design. Here you can also decide on the color, install additional pages.
Check in. The created faucet remains to register on the FaucetBox, which will open access to statistics, personal balance on payments and a number of other information. The registration process is intuitively simple, so it makes no sense to dwell on it separately. After registering, you should go to the site using your username and password, get the key and confirm the creation of a new tap.
Balance replenishment. For the site to work properly, you need to deposit a sufficient amount to your account. This can be done through the special Balance menu. Please note that the account must be credited with an amount of 0.001 Bitcoin or more. In this case, a commission is always charged during the transfer.
Receiving a profit. It remains to monitor the newly created site, timely deposit and withdraw funds, make adjustments, control the actions of users and prevent fraud on their part.

What must be considered?

If you managed to create a Bitcoin faucet, then only half of the task is solved. Now the site will have to be maintained, for which it is worth considering a number of points:

Control the amount of funds in your account. The amount available should be sufficient to make payments to users in a timely manner. At the same time, make sure that there is no loss, otherwise such work does not make sense. As a last resort, you can reduce the amount of remuneration or provide a greater influx of customers through additional promotion.
Provide protection. Many users know how to make a Bitcoin faucet, but they get lost when it comes to administering it. In fact, everything is simple - it is enough to adjust the protection mechanism so that it allows you to see people requesting payments more than 1 time in a short time (for example, 15 or 30 minutes).
When making changes in the payment system, this must be announced publicly, that is, through the site. Often, users underestimate the importance of this step and make adjustments quietly. This causes a lot of dissatisfaction among users and reduces the trust in the resource. In the long term, this approach will lead to the closure of the business.
Adapt payments. To avoid bankruptcy, it is advisable to link payments to the US currency. But there is also a minus. If the value of Bitcoin in relation to the US dollar continues to grow, then you will have to come to terms with losses.
Launching your own Bitcoin faucet is a chance to gain experience in business, development and promotion. It should be noted right away that you have to work to achieve results. The created crane should not only be good, but stand out in some way among other services, attract customers, ensure the maximum flow of users. In such a situation, the probability of success increases several times.