How would react today to a man who will undertake to assert that the banking system soon will either disappear altogether or are changed beyond recognition? At least you will look as at the madman, as a maximum, will be sent to a psychiatric hospital. However, today there are processes that 15 years ago no one could imagine the banking system, hitherto controlled all cash flows, loses its monopoly, retreating under the onslaught of the virtual payment systems of the Internet.
What happened during "money" the history of mankind? In any process of movement of money, the Bank always acted as a mediator; whether it was salary, or Vice versa, buying in the store, whether it was a loan or transfer of money from one person to another. The person received through the Bank (either directly or indirectly, for example as salary at the firm, which again took the money in the Bank) money, which has acquired the necessary goods. From shop money back to the Bank, and the cycle was repeated. Over the past 100 years the banking system at its core has not changed; has added new management tools, movement and control, but the principles of operation have not changed.
In the new century, things can change dramatically thanks to the emergence of so-called virtual money. It's not the same thing as clearing. In the process of transfer of virtual money the Bank is not involved at all! This is quite a unique phenomenon forces us to reconsider the legislation at the root, that is done now in many countries. After all, if earlier, through the Bank, it was possible to monitor the income and expenses of the person, now an increasing emphasis on his consciousness. For example, American online casinos payment of income tax of the player assigned to the player and not the casino.
Replace the banks in the market had numerous virtual payment system, which is currently actively combine both banking and non-banking (virtual) payments. Along with them came and totally unique form of advertising and virtual money called CREDITS.
Where did the CREDITS?
The first was advertising. More precisely Internet advertising. For which whose wise head, thought to pay to users who agree to view money. Experiments with paid advertising (we are talking about payment to those who have seen the advertisement) was conducted in the USA in the 1970s, the Customer received a free computer - with the condition that at the top of the monitor constantly hung updated ad unit. According to representatives of the companies engaged in this business for two years, the computer is completely paid off!
Then came Internet companies, such as www.spedia.net, www.cash-surfers.com called active advertising systems (ATS). These companies are offered to the registered users download and install on their computers a special program. After that, the user screens displayed a small window in which during the work appeared on the Internet banner ads. For viewing of banners is charged a certain amount that depended on spent on viewing ads time (special programs allowed to keep records). People combine business with pleasure: playing online games or downloading music, he simultaneously earned money.The number of users working with SAR, millions.
At that time the work of the viewer advertising paid the old fashioned way - they had been sent cheques which was directly dependent on time spent in front of the monitor with advertising. Checks were then cashed at the Bank. Over time, technology changes advertising. There are companies that offer not view advertising banners, and address the transition to the websites of the companies advertisers. Among the most popular can be called a company www.uniq-ip.com and www.neosap.com. The change in the technology of advertising led to a change in the payment system. Companies of similar profile consisted of viewing a site one CREDIT. 1 CREDIT is 1 view 1 website.
It should be noted one peculiarity. The amount of money that you can convert 1 credit, depends on what company you work for ATS. The mechanism of this is easier explained with an example. The company is engaged in the SAR, enters into a contract with advertisers to give them money for every visit to their website. A portion of this amount gets directly the person viewing the advertisement. May vary as the amount that the company pays the advertiser for each scan, and the percentage of that firm ATS gives to the visitor. The difference can be up to 50 percent.
At the same time can vary and the amount of effort that must be applied in order to earn 1 CREDIT. If in one case, to confirm that you have reviewed the website, it is sufficient to select one image www.uniq-ip.com something else is required to complete any form that takes more time. All earned CREDITS can be redeemed for online exchanges for virtual money, which in turn can be exchanged for real money. They can be exchanged directly and on real money (at least, in Moscow such practice already exists).
The unusual properties of LOANS
An interesting difference between LOANS from the rest of the virtual money is their stability. Agree, even if the collapse of all currencies, one ad view will remain a advertising view. Consequently, the LOAN is akin to the Golden coin: new - well forgotten old!
Absolutely unique phenomenon can be called an exchange of credits for goods. Here we have an example of complete neglect and the seller and the consumer banking system and, accordingly, any control by the state of commodity-money relations between the two sides. Especially in the case where the purchased goods - digital (all that you can send electronically). An example of such shop: www.uniq-ip.biz. Here is another example from the life of the LOANS, when you can swap one advertisement for another: www.e-place.ru
When you cry tax
The emergence of virtual money, in fact, a challenge to tax authorities because to keep track of virtual money, in contrast to the real, yet is almost impossible. We can assume that this is only the first sign of impending virtualization of the monetary and financial sphere. Because the same credits or their analogs, over time, may be to pay employees working remotely, and every year it becomes more and more.
Since the virtual circulation of money is small, the optimal is the combination of Bank and nonbank payment systems. But the trend of growth in the share of virtual money (up to 30% per year) makes one think even the biggest skeptics.