Fintech-digest: an attack on the PIR Bank, the Federal Tax Service and taxes from transfer from card to card, as well as a little blockchain and cryptocurrency


    Source: Kommersant

    Today, most of the news from the digest somehow relates to Russia.

    • PIR Bank has become a victim of unknown (so far) intruders;
    • The FTS will not charge tax on the transfer from card to card;
    • A large exchange fund has launched Bitcoin bond trading;
    • Russian banks will be able to conduct blockchain operations with digital letters of credit.

    PIR Bank lost 58 million rubles


    For the first time in six months, attackers carried out a successful hacker attack on a Russian bank. The victim was PIR Bank, which lost 58 million rubles from the correspondent account with the Bank of Russia. The funds were withdrawn to accounts in the 22 largest banks of the Russian Federation, they were cashed in various regions of the country. Earlier in the Central Bank said that this kind of attack will no longer be.

    Now, according to experts, not only the attacked bank, but the entire banking market will have problems, no one can feel safe. Moreover, malicious software that was used by attackers is not detected by antivirus yet.

    The virus with which the bank was attacked is not subject to identification by the means currently available, which was confirmed by the FinCERT staff. The virus most likely penetrated the bank through a phishing letter,
    - explains the chairman of the bank Olga Kolosova.

    On July 4 and 5, the bank did not work, since the attackers received full access to the automated workplace of this bank as a client of the Bank of Russia, the AWS of the CBD.

    This problem was very relevant last year.

    Attacks on banks when cash was withdrawn through the Bank of Russia payment system were the scourge of credit institutions in 2016. Then the hackers stole 1.5 billion rubles. In the autumn of 2017, presenting the report of FinCERT, the Central Bank assured that there would be no more attacks on the AWS of the CBD. Nevertheless, before the end of the year, two attacks took place with the withdrawal of funds from the correspondent account at the Central Bank, the total damage from which amounted to 54 million rubles, as reported by Kommersant.

    FTS will not charge money when transferring money from card to card


    The Russian Federal Tax Service said that money transfers from one bank card to another are not subject to personal income tax, regardless of the amount of the transfer. However, only if it is not payment for goods, services and work. The explanation of the FTS left because now there is information about tax collection when transferring from one card to one card.



    Now on the Internet goes "news" that allegedly from July 1, transfers of funds from card to card will be taxed. It is not true.
    - specifies the first deputy chairman of the State Duma Committee on Budget and Taxes Irina Guseva.

    Revenues from operations (if they are not transfers under a contract or employment agreement) between family members or close relatives are not taxed. No need to pay taxes even if the money is donated.

    Fund Flow Traders NV starts trading in bitcoin bonds


    The Flow Traders NV Foundation, operating in the Netherlands, added Bitcoin-based ETN and Ethereum ETN bonds to the listing. According to the management of the fund, it became the first company to offer the possibility of “buying and selling its own cryptocurrency assets traded on regulated stock exchanges.”

    On the other hand, the regulator said that he had not changed his position in relation to cryptocurrencies and their distribution.

    We do not approve of actions with cryptocurrencies both on the part of consumers and holders of professional licenses and do not consider them as an asset class,
    - said a spokesman for the Office of financial markets Netherlands Nienke Torensma.

    Russian banks will be able to conduct blockchain operations with digital letters of credit


    Today it also became known that Russian banks will be able to carry out blockchain operations with digital letters of credit using smart contracts.

    According to experts, this solution will help speed up the conduct of operations, as well as reduce the costs of banks by 20%. New tools for cash settlements will appear in the Masterchain blockchain system until the end of 2018. The massive introduction of technology will take place next year.

    The decision will increase market interest in this type of banking transactions. In Russia, up to 80% of initial applications for conducting a letter of credit transaction are rejected due to improper paperwork,
    - notes the director of the Association "FinTech" Tatyana Zharkova.
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