Electronic money is no longer a curiosity. Moreover, today they are perhaps even safer than bank cards. Among other things, all financial transactions of freelancers go through e-wallets. At least most of them.
And although WebMoney and Yandex Money are mainly popular in the CIS and Russia, there are other systems that are no worse, and for some even more profitable.
We decided to compile a complete list of the Runet electronic wallets known to us today.
If we talk about the leaders among payment systems and those who are in the greatest demand among Runet users, then there are not so many of them. Or rather, only three. I would not rank them in order of popularity, in view of the fact that everyone chooses a wallet that is convenient for themselves in the first place. But based on your personal experience and communication, both with customers and with other freelancers, then the top three looks something like this:
1. WebMoney
This electronic payment system can probably be called the main one in domestic freelancing and among other Runet users in general. To be able to pay for something on the Internet or receive payment from customers, you need to register in the system, get a WMID, and then verify your identity. It is worth noting the good Enum security system, which does not allow you to make payments without confirming the code sent to the mobile number linked to your account or using special program to be installed on the phone. Thus, no one except you will be able to conduct any financial transaction or withdraw money from your account.
Another advantage of WebMoney can be considered a relatively low commission for any transfer of funds - only 0.8%, as well as a wide selection of online currencies: WMZ (dollars), WMR (rubles), WME (euro), WMU (hryvnia), WMB (Belarusian rubles) and many more. In addition, any electronic currency can be exchanged within the system at the official rate.
2. Yandex Money 
A fairly popular system in Russia that allows you to link a MasterCard card to your Internet wallet, and then pay with it in markets without deducting a commission: it is removed only if money is withdrawn through an ATM. Of course, this is a very convenient system with ample opportunities, but for people who are not residents of the Russian Federation, registration will create some difficulties.
To be more precise, it will take you about five minutes to register and get a wallet number, but in order to start using it and be able to make payments and accept transfers, you will have to run. If citizens of the Russian Federation simply send a scan of their passport for verification through a special form, then others need to contact the Yandex registrar in their city and apply for identification through it, while paying a certain amount. Or you can do it by yourself sending the questionnaire downloaded from the site and filled out by registered mail.
3. Kiwi 
Very comfortable and simple system, which has gained immense popularity thanks to terminals located throughout the CIS and Russia. A huge plus of this wallet is that when you create it, you are given a virtual QIWI Visa card, with which you can pay for anything on the Internet, like a real plastic card. The account is replenished very easily through the terminals, and if necessary, you can order QIWI Visa Plastic, which can be used in any stores and withdraw money from the account.
When transferring funds from one Qiwi wallet to another, no commission is charged, however, if you want to withdraw money to bank card, then a commission will be charged from you, both the system itself and the bank.
There are other, less popular domestic payment systems that are no different from the main leaders, although among them you can also find those that offer something special, and sometimes even more profitable.
RBK Money
Of course, this system is hard to compete with the titans of electronic payments, but it has something that can attract users, namely the absence of a commission not only for intrasystem transfers, but also for depositing funds, and sometimes for withdrawing. Like all other systems, it is possible to link a plastic bank card to an account and a mobile application for convenient work with electronic money. Alas, you can use the system only on the territory of Russia.
Liqpay
An electronic payment system of Ukraine that allows you to link a virtual account to any MasterCard or Visa card (for depositing funds), as well as to an account in Privat-Bank or a Visa card of any other bank (for withdrawing). Although the system positions itself as nothing more than international, it has not gained much popularity outside the CIS, and in principle Ukraine itself.
EasyPay
This payment system, which is Belarusian, is somewhat similar to the RBK Money wallet, only in this case it is aimed at residents of Belarus. However, people who are not citizens of this state can also register with EasyPay. And although the system received relatively less bad reviews than its analogue from Russia, its commission for withdrawing funds is higher. In addition, you can withdraw money directly from the wallet only in Belarusian state signs. If you want to withdraw funds in a different currency, then you will have to transfer them to a wallet of another payment system for this.
Single Wallet
He is still considered the main competitor of Kiwi, however, with a slightly smaller coverage. A single wallet, unlike its rival, has more currencies, but is mainly used by users to pay for everyday household payments. One of the advantages is the possibility of anonymous work with electronic money. Perhaps that's all. It is possible that other advantages of this system are simply buried under a pile negative feedback, which, by the way, is more than any other Runet wallet.
Next time we will get acquainted with the list of foreign electronic payment systems, and in the near future we will try to tell in more detail about the operation of each wallet, its capabilities, advantages and disadvantages.
Good day! Today we will talk about cryptocurrencies. Bitcoin appeared in 2009, and since 2013 BTC has been an unwanted guest in Russia. tax service says that there is no direct ban on the use of BTC in the legislation, and Nabiullina says that the Bank of Russia is against the legalization of cryptocurrencies, other ministers consider BTC owners to be accomplices of terrorists and offer to put them in jail for the circulation of cryptocurrencies. Who to believe? The temptation is great- over the past year, BTC owners have multiplied their capital by 20 times, and now the price is expected to rise. How to make money and not denigrate yourself before the law? Below I will go into detail about what anonymous e-wallets are and how depersonalize money.
Wallets and exchanges
Bitcoins are stored in special wallets that register almost automatically without forcing the owner to provide a name or email. Login and management keys are written to the Wallet.dat file in encrypted form. The username and password are the keys for decrypting Wallet.dat. With only one file his wallet impossible associate with a specific human. With access to the wallet you can find out the history of transactions, conduct an investigation and find out who paid for what. You can also find out which transactions were formed on the computer, tracing their history of distribution over the network.
Track a specific person difficult, if he uses bitcoins according to the precepts of Satoshi Nakamoto, he transfers them out of hand in hand. But 90% of modern bitcoin owners did not acquire them in order to buy something for them - they want to earn. To get bitcoins, you need them mine or buy from other owners. Mine - long and expensive, and for a long time there are special exchanges, which automatically exchange fiat money (rubles, dollars, euros) for cryptocurrency. Popular exchanges operate legal and must have license for banking transactions such as currency exchange. Under the conditions of issuing a license, they are forced to work according to the policy Know Your Client(“Know your customer”, abbreviated - KYC). That is, when registering on such an exchange, you need to enter Full name, telephone, the address residence, some passport details. Interested people with influence can access the cabinet on the stock exchange and install personality.
Why is it difficult to achieve anonymity?
Anonymity means that the wallet cannot be associated with a specific person in any way. That is, judging by the transactions (input and output), it is impossible to say which real person sent and received them. V contemporary exchanges or online wallets, you register a personal account with access to "clean" wallets. solid exchanges and wallet services are always asked to indicate confirm email and phone number so that the user could restore login details for your personal account. For the convenience of the user, the transaction history can also be restored in personal account. Exchange servers and wallets centralized and hackable - such facts are often reported in the news. Power structures may legal ask exchange management provide access to the personal account of Ivan Ivanov, suspected of money laundering.
not bad anonymity can provide on their own, if you use "classic" type bitcoin Core or Armory. The problem is that these wallets need full blockchain weighing 150GB to commit any operations. And also BTC should also be on the account. anonymous - bought on the exchange without confirmation personalities for money that cannot be associated with a specific person.
Anonymous wallet solve these problems by providing opportunity buy, accept and send bitcoins, identifying the user only by login and password. To use the exchange, you can register clean mail and clean account in any electronic payment system. Next, you only need top up exchange account, buy crypto and wait the moment when it will good to sell it.
Wallet Selection Criteria
There are several anonymous wallets, so you have to choose. There are several points to which necessarily need to pay attention.
User anonymity
- Anonymity- the main topic of the article. It can be measured by the amount of information that is needed to register and use the services of the exchange. Ideally, to work on the stock exchange you only need email and invented password.
- Anonymous payments. If you can track transactions, then you can find out to whom and for what they left, and then find the owner of the wallet. Therefore, many exchanges confuse transactions, mixing coins, changing priority transactions, breaking large translations on the dozens small and passing them through different channels.
Commissions
You have to pay for these services anonymous exchanges can take commission per replenishment accounts and conclusion money.
Additional features
Some exchanges offer to issue a banking map, which can pay off in any terminals, electronic map for calculation v the Internet, earn on the affiliate program.
How can I fund my account anonymously?
In our world not tracked only cash money. So you need to fill across terminal payment. For example, we register a new electronic account in the system, enter fictional name and choose any town, confirm email. Login to the Perfect Money website , we make sure that everything is working and we have wallets.
Copy the number of the required account ( U*** – dollar account), replenish it through any terminal. Now let's move on to the site Bestchange.ru , v left column select PerfectMoney USD, v law - BTC. The white table on the right shows popular exchangers in ascending order of exchange rates, the higher exchanger in the list - the more profitable change on it. You can read to find out interesting things to work with this site.
For example I chose Marketcoin.io. To buy bitcoins, you need to enter PerfectMoney account, the address BTC and mail. The service will send a receipt of payment by mail and more will not be use it. I chose service at random, since the rate is constantly changing, and greedy exchangers are at the end of the list tomorrow may offer the most advantageous well. So always look at top Bestchange list!
It is not necessary to use PerfectMoney. I chose this system because the account can be registered on fictional name and the address, and for transfers within the system verification need not. Residents Ukraine fit WebMoney, registration is carried out on phone number, a SIM cards sold without binding to the passport.
Commission
We compare the commission that must be paid when buying anonymous and non-anonymous bitcoins.
Non-anonymous purchase of bitcoins through an exchanger
We take 1000 rubles, replenish the Sberbank card. Search through Bestchange the best way for replenishment, at the moment it is MarketCoin. For 1000 rubles, they sold me 0.00172945 BTC, which is equal to 960 rubles. Final commission - 4%.
Anonymous purchase through the terminal and electronic wallet
We take 1000 rubles, replenish PerfectMoney through the terminal, we get 17.35 USD, in ruble equivalent - 971 rubles. Commission - 2,9% for replenishment through the terminal. Now we exchange PerfectMoney USD for bitcoins, for 17.35 we get 0.001623 BTC, which is equal to 903 rubles. Final commission - 9.7%.
Not an anonymous purchase on the exchange
Third option- buy bitcoin on the special stock exchange and not through an exchanger. I will consider several popular exchanges. Attention: some exchanges allow to buy, but do not store your coins. for storage needed separate wallet, more information - in the article about.
Exmo
We replenish the account through OKPAY, the commission is 3 % . 1000 rubles turns into 970 rubles, which can be exchanged for 0.0017711 BTC, in ruble equivalent we get 985 rubles. The increase in the amount can be explained by the rate at which it changes exchange EXMO . It is likely that tomorrow the exchange rate will change and the commission will increase, but now she is 1.5%.
Yobit.net
Entering rubles through QIWI, Payeer and Capitalist - no commission. Zero commission is offset by a high average rate - for 1000 rubles it will be possible to purchase 0.0017346 BTC. We received coins for 965 rubles, which gives commission in 3.5%. Link to the exchange .
Binance
During registration, you are reminded several times that it is forbidden open personal data, call or transfer money to people who call themselves technical support Binance . Exchange supports deposit only in cryptocurrencies, an analogue of the dollar - USDT. Commissions for replenishment No, it depends only from the exchanger where you will buy bitcoins.
Withdrawal from wallets
I am often asked how to withdraw existing money? If you need to exchange bitcoins on the fiat money, simpler all - use services exchanges or a wallet where you keep bitcoins. Majority exchanges support straight translations to bank cards, the withdrawal commission will be 1-3% . If the exchange do not support direct withdrawal (Binance), you will have to use additional wallet or exchanger.
To choose the best exchanger, go to bestchange, v left column select BTC, v law- we need currency and payment system. Commission the output will be the same as the input, in the area 3-8% . Can be found straight translation money on the map, but there will definitely be indicate Full name.
Individual services offer release plastic or virtual map linked to bitcoin-wallet. Convenient - possible pay off in shops, translate money to another card or take off v any ATM. When making an operation bitcoins will automatically converted in dollars. Minus - limitation transactions if you not confirmed personality. For example, services set limit for online shopping, amounts transfers, withdrawal cash or at all limit funds on the map. Read on for all the details.
Bank or e-wallet?
If you have registered anonymous wallet without identity verification, most often you won't be able to withdraw money on the map directly, you will have to use the services of exchangers. If output money from BTC account to bank card- appears connection between your card and wallet. If confidentiality really important, it is worth withdrawing bitcoins to an anonymous electronic account, and from there - through the exchanger to map. For these operations will be charged about 10% commissions, but no one will be able to find out how the money ended up on the anonymous account and why the money transfer ended up on your card.
Where is the best place to buy bitcoins?
Popular payment systems support anonymity and do not oblige users to disclose personal data. They allow you to buy bitcoins and store them on an internal wallet, or immediately send them to an external one.
payeer
For registration must be entered email and confirm it. Top up can be any bank card or electronic payment. Rubles or dollars on the account can exchange on the bitcoins inside the payment system, there is a separate tab for this. Other users sell bitcoins and set the price themselves, and you can buy them. Commission on replenishment - 0% , on the conclusion - 3-5% .
Pros: works anonymously and quickly. You can change bitcoins as needed and pay them online. You can issue a plastic card.
Cons: not the most understandable interface, a lot useful information not available in your account, you can find it only through Google.
Advcash
For registration must be specified name, last name and mail, after registration, the mail does not need to be confirmed. No identity verification can be replenished only through some payment systems, but not by card. It's nice that the commission for replenishment is immediately indicated. Bitcoins can buy only to external wallet. Output money can be electronic wallets or to banking card, and you need to specify the phone number of the recipient.
pros: you do not need to confirm personal data to work, the system works quickly.
Minuses: no bitcoin wallet, withdrawal to a card without a name - only for cards of Russian banks.
Registration by mail or phone number, but for work with service necessary indicate personal data and confirm their photographic documents. Since we want anonymity, this payment system will not suit us.
pros: safety wallet, you can issue a bank card.
Minuses: obligatory verification according to the documents, there is no separate wallet for BTC.
MyEtherWallet
Auto Ethereum-interface. It immediately offers to generate a wallet, you just need to come up with a password for decryption. The site immediately warns that MyEtherWallet – not a wallet, and the interface to access the wallet. You can upload file wallet from a hard drive or hard wallet such as Trezor, access by mnemonic phrase or on key. To get anonymous bitcoins, you must first top up wallet ether, and then exchange him to bitcoins, which will go to the wallet you specified. Not very convenient, but completely anonymous - neither mail nor phone is needed to access the site.
Pros: complete anonymity, user-friendly interface.
Minuses: the site is aimed at people who are familiar with the cryptocurrency device.
Blockchain.info
registration by mail You don't need to provide personal information. You can set up authentication by phone. Buy bitcoins are not allowed- it's just a secure wallet for sending transactions. Blockchain.info can use in a bundle with or another system where BTC can buy, but it is forbidden keep.
pros: anonymity, speed and ease of use.
Minuses: cannot buy BTC directly, you cannot upload a wallet file to work with another service.
An example of buying anonymous bitcoins
For example, I will buy bitcoins through, about which I have already written a review. First I go to the site bestchange, choose in the left column bank, v right - AdvCash. Anonymity will very low, since on most exchangers you will be asked to specify Full name, which should coincide With Full name card holder. I had to dig around, but I found a site that does not ask personal data, and immediately sends a confirmation of the application to your personal account.
Confirmed the request for money transfer, through A couple of minutes dollar appeared on AdvCash. Buy BTC on AdvCash it is forbidden, only fork Bitcoin Cash. Therefore, we are already throwing anonymous dollar to the stock exchange EXMO . Why will money be credited to EXMO in Ukrainian hryvnias? because AdvCash is following per your location and i used Ukrainian IP. Instead of crediting money, they gave me EX CODE, which must be entered in the EXMO wallet.
Go to EXMO, go to the wallet and scroll through to the very bottom. There click on the button "Replenish" opposite EX-CODE. Enter the code, confirm - get money.
Now in the "Exchange" tab exchange hryvnia for bitcoins. We make sure that they appeared in the wallet bitcoins.
For more security and anonymity these bitcoins can be withdraw to a third party wallet, for example, on Blockchain.info. For this, we pass in the wallet, looking for a button Request, copy the address wallet. On the site EXMO looking in wallet bitcoins, press "Output" button, enter amount and insert the address wallet. Unfortunately, my test transfer cannot be verified as the minimum withdrawal amount is 0.01 BTC.
Bitcoins obtained in this way anonymous and do not indicate on you or your card. My hryvnias have passed exchanger, AdvCash, transfer to EXMO, EXMO exchanger and switched to a clean wallet Blockchain.info - total 5 intermediaries. The maximum that can be learned from bitcoins on Blockchain.info is that they were transferred from EXMO. Who, to whom and why he transferred them will remain a mystery.
Commissions: 0.00009487 BTC equals 27.38 UAH at today's exchange rate. On the commission of 5 intermediaries, I lost 2.62 hryvnia or 8,7%
from the total amount.
Rules for safe work with wallets
- Write down passwords on the paper even if you are confident in your memory.
- Don't use names in your password, dates, nickname domestic animals and any information that connected with you. Ideally, the password should be incoherent set letters and numbers.
- Forget about password managers. A tech-savvy person will fish out the necessary files from your computer or phone in a few minutes.
- enjoy only verified and popular services for buying, exchanging and storing cryptocurrencies.
- Don't brag savings in cryptocurrency. Social engineering is used in 4 out of 5 wallet hacks.
Rules for anonymous work with wallets
- Get a separate email to work with anonymous wallets and exchangers.
- Your money must pass through at least one intermediary to make transactions more difficult to identify.
- Every bitcoin has a history to buy translate cryptocurrency v ordinary money(fiat).
conclusions
On the Bitcoin exchange rate, you can make good money, but undefined legal status can lead to legal problems. To save money, need to take care O his anonymity. A list of safe exchangers can be found on Bestchange.
- The safest way anonymous replenishment: cash via terminal replenish a clean electronic wallet without a name, buy cryptocurrency from the wallet on the exchange and send it to a clean wallet for storage.
- The safest way of non-anonymous replenishment: choose a popular service with the ability to buy and store bitcoins, top up check from a bank card and buy cryptocurrency.
- How transfer money to card: sell coins on the exchange, withdraw money to the wallet or banking map.
- Anonymous and secure withdrawal of bitcoins: sell coins through the exchanger, withdraw money to clean electronic check, send money across exchanger to map.
That's all for today. Leave your non-anonymous comments, share opinions and experiences, distribute the article in social networks. See you soon!
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Electronic wallets are gaining more and more popularity in the Russian Federation. Now there are several types of electronic payment systems operating in the country. Some allow you to buy in foreign online stores, the second are accumulated with mobile, and others work only with Russian rubles. You can choose the appropriate one based on the functionality. The article describes some types of popular wallets.
Types of electronic wallets
The main purpose of electronic payment systems is online payments, which relieve users of the need to transfer money personally. Different types of drives differ in interface, convenience, ease or complexity of use, set of functions and protection measures. According to these principles, they are divided into:- Wallets that support one electronic currency (Yandex. Money);
- Multicurrency systems of electronic wallets (WebMoney, OKPAY);
- Accumulators that contain not only electronic means, but also make it possible to automatically accept payment for goods (RBK Money).
Single electronic wallet
A single W1 wallet is an electronic payment system that provides online payment services. You can use the service through digital devices with Internet access: computers, laptops, mobile phones. To register, you need a valid cell number and access to the worldwide network. After completing the procedure, the user will receive an SMS with the wallet number and password to it.
This virtual electronic wallet differs from similar ones by a large number of partners to whom you can transfer money without commission. It also transfers funds between users within the system. They can:
- pay utility bills and services of Internet providers;
- replenish the accounts of mobile operators;
- repay the creditor.
You can cash out funds from a single wallet using postal transfers or the Contact payment system. The procedure takes no more than a minute.
Troika card. Online wallet
The Troika card is used to pay for travel in Moscow public transport. It was introduced in 2013, when the tariffs for the use of public transport changed. The Troika e-wallet is a plastic card for storing travel money. That is, this is the transport electronic drive.
Similar maps are available in most major cities with active traffic. The main goals of introducing Troika in the Russian capital are:
- Reducing queues due to the fact that it is not required to replenish the card after each trip;
- Creation of a common map for all types of transport.
The card can be obtained at any metro ticket office or at Mosgortrans kiosks. The buyer pays a deposit of 50 rubles and a fee that corresponds to the cost of one ride in public transport.
Then the cardholder will be able to replenish the account at the box office or automatic machines of the metro and Mosgortrans or return the card, having received back the security deposit. The minimum deposit amount is 1 ruble, the maximum is 3000. The deposited funds do not expire 5 years after the last replenishment. And after the first year, the card will become protected from loss or theft. To do this, the owner must undergo voluntary personalization.
Paypal electronic wallet
This international payment system is called one of the most relevant for making purchases abroad. In addition, this electronic drive can be used to pay for goods and services on the Internet. Paypal differs from similar electronic wallets in such features:
- Opening an account is free. The system does not charge interest when sending funds. The commission is taken by the bank in which the applicant's account is opened. They are charged for currency conversion during a transaction.
- Payment for services in Paypal is calculated not from the sender, but from the recipient. The amount depends on the account type (Personal, Premier, Bussiness).
- There are certain restrictions for residents of the CIS countries. For example, in Russia, payments for purchases are made freely. But until 2011, there were nuances related to the movement of finances: it was possible to credit, but money was withdrawn only to an American bank account. Now there is a limit of $500 for sending payments.
Beeline electronic wallet
Like other Big Three operators (MegaFon, Beeline, MTS), Beeline has created its own micropayment system. For the development of the mobile payment project, electronic wallets have been developed without a commission when conducting transactions. The service, called RURU, was created jointly with Alfa-Bank and allows you to:
- Pay for goods and services using electronic and mobile commerce, electronic money and payment cards.
- Pay for communication services or utilities.
- Buy air and train tickets.
- Pay off a bank loan.
- Buy things in online stores.
- Transfer money to a bank card and WebMoney.
Visa. Electronic wallet Qiwi Wallet
2 well-known payment systems have created a joint product that combined the electronic storage account and the prepaid card account. As a result, buyers can use e-money, a wallet on any site that accepts VISA cards. You can also replenish the card in cash through an electronic wallet using a terminal.
Electronic wallet Visa Qiwi Wallet is considered one of the most popular in Russia. This is facilitated by:
The disadvantages of this system include a vulnerable security system. Having restored the mobile number, the scammers also get access to the wallet. The phone number is used as it is and will have to be disclosed for transactions.
Important point: this payment system is one of the few who take a commission when replenishing a mobile account.
- Before registering an e-wallet, you need to determine the currency that will be used to pay for purchases or conduct business on the Internet. Universal payment system - WebMoney. It allows you to open more than one account and use not only rubles, but also dollars, euros, and other currencies.
- The main advantage of any electronic wallet is the ability to transfer and receive virtual funds without waiting and anywhere. Within one system, sending money is not subject to commissions; when transferring in different systems, a percentage of the amount is deducted.
- The ease of use of e-wallets attracts both law-abiding users and scammers. Therefore, be careful and follow the safety measures:
- install an antivirus;
- use a complex password;
- Do not share your username and password with strangers.
