Russian money could get to Kiev through the jurisdiction of London

The payment system "Unistream" circumvented the ban of the National Bank of Ukraine on the transfer of money from the Russian Federation. In Ukraine, she issues money through the British system CEL.INT. The attack on it from the side of Kiev officials is unlikely.
The decision of the National Bank of Ukraine (NBU) to deny the license to the Ukrainian payment system Tyme for helping Russian players in circumvention of sanctions did not completely paralyze money transfers between countries. Such a possibility was preserved by the payment system "Unistream", which lost only one of the two channels of issuance of funds in Ukraine and transfers money through the British CEL.INT. Experts believe that the intermediary's jurisdiction can protect this channel of payments.

As Kommersant has found out, the Unistream payment system still offers a money transfer service from Russia to Ukraine, despite the sanctions. The call center of the Kommersant has been informed that transfers to Ukraine are made through Unistream offices and partners. In the office of "Unistream" correspondent "Kommersant" explained that the transfer can be made only in euros, and the issuance of funds in Ukraine is engaged in the British payment system CEL.INT. It has signed agreements with Ukrainian banks - as a result of payments sent from Russia through "Unistream", issued in Ukraine Oschadbank, Yuneksbankom, Accordbank, Credit Optima Bank and IBox Bank. At least until June 20, transfers from Russia to Ukraine could be made directly from the site of "Unistream", now this opportunity is gone.

Earlier, Unistream paid to Ukraine not only through CEL.INT, but also through the Ukrainian Welsend, which belongs to the state Ukrgazbank. The information on this was publicly provided for the last time by a Unistream employee on June 8 on the official page of the payment system in VKontakte. However, it follows from the broadcast "Unistream" of partners (available to the "b"), 21 June (ie after the revocation of the licenses of Tyme - see "Kommersant" on 20 June.) A single payment system for the issue of translation in Ukraine remains CEL.INT.

The NBU deprived Tyme of a license to help Russian money transfer systems in circumvention of sanctions. She acted as an intermediary, issuing funds sent from Russia, in Ukraine. After the withdrawal of the license from Tyme transfers to Ukraine stopped Contact (from the far and near abroad) and the "Golden Crown" (from the Russian Federation).

As sources told to Kommersant, close to the NBU, it was the translations of the Golden Crown that caused the license to be revoked from Tyme. Information about the fact that "Golden Crown", despite the sanctions, made payments to the Ukraine, still found on the websites of the partner banks, including on the website of the Russian bank "Revival". The press service of the Golden Crown asked Kommersant to reply that the payment system "does not carry out the transaction as described".

Ukraine imposed sanctions against Russian payment systems in October 2016. Then, under the restrictive measures were the Golden Crown, Unistream, Kolibri, Leader, Anelik and Blizko. In response to this in the spring of 2017, Russia banned money transfers to Ukraine to foreign payment systems.

The press service of "Unistream" assured that "the system is not represented in Ukraine and has no contracts with paying banks in Ukraine" (which formally corresponds to reality). "The money transfer system is steadily implementing the legislation of the Russian Federation, as well as those countries in which it is represented," noted there. At the "Y" questions about why stop cooperation with Welsend, and disappeared the possibility of sending remittances to Ukraine via the website, in the "Unistream" did not respond, as well as on the issue of cooperation with CEL.INT. CEL.INT could not be received: there was a non-existent e-mail address on its website, and they did not answer the phone on the phone. In Ukrgasbank they say that Welsend does not work with Unistream since October 17, 2016. At the same time, in a letter to partners on June 21, "Unistream" informs that "according to the Welsend system, the delivery of transfers is temporarily suspended, and the renewal will be announced additionally."

The press service of the National Bank of Ukraine stressed that the payment system warned of "the inadmissibility of cooperation with the payment system, to which Ukraine sanctioned, as well as interact with them through other payment systems and organizations, regardless of their jurisdiction." In case of non-observance of the relevant restrictions after directed warning, the NBU will take "adequate measures of impact, as was the case with Tyme". Questions about the actions of CEL.INT and Welsend in the NBU were not answered.

Associate professor of political theory MGIMO political scientist Kirill Koktysh does not exclude that the NBU will prefer not to notice translations through the British CEL.INT. According to him, if Ukraine still made harsh statements about some countries in Eastern Europe and even Germany, Ukraine's relations with Great Britain are now good and "they are unlikely to be spoiled in connection with the described history."