T-Bank became the first in Russia to launch digital financial assets (DFAs) linked to the value of Bitcoin. Now Russians can invest in cryptocurrency through a familiar application, using rubles. This is safe and complies with Russian law. Investors do not need to open an account on a crypto exchange or worry about protecting their wallet.
The new smart asset is only available to qualified investors, as required by the CBRF. Clients with this status can see the detailed parameters of the issue in the T-Investments application.
How the smart asset works
By purchasing a smart asset, the investor receives a digital right to receive the market value of a portion of Bitcoin. The issuer has pre-purchased and reserved real Bitcoin, which is stored in a secure infrastructure.
The purchase price is calculated in rubles based on the average exchange rate of several exchanges and the dollar exchange rate on the date of issue of the smart asset.
The maturity of the DFA is one month. After that, the issuer pays for each smart asset an amount in rubles, based on the price of the cryptocurrency and the ruble exchange rate on that day.
The investor can sell the smart asset at any time while it is being issued. The market maker provides secondary trading, which gives the investor flexibility.
DFAs appeared on the Atomize platform, which is part of the T-Bank ecosystem.
The price of Bitcoin on crypto exchanges is indicated in dollars, and the smart asset is traded in rubles. Therefore, you can earn not only on changes in the value of cryptocurrency, but also on fluctuations in the ruble exchange rate. For example, if you invest money when the ruble is strong and Bitcoin is weak, you can profit twice: both from the growth of cryptocurrency and from the weakening of the ruble. If Bitcoin does not rise in price in a month, you can still earn from the decline in the ruble exchange rate. However, there is a risk of losing money due to the reverse change in the price of cryptocurrency or the ruble exchange rate.
This is the first tool in Russia for participating in the value of Bitcoin, issued in the legal field of the Russian Federation. It can be easily bought and sold through the familiar T-Investments application, without dealing with crypto exchanges, wallets, and so on. The market was waiting for this tool.
Earlier, the T-Bank Artificial Intelligence Center announced the launch of a free library of tools Turbo Alignment. Now businesses will be able to quickly create AI applications thanks to ready-made solutions.
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