In Capitalist, I hardly see any downsides. The only thing that bothers me is the almost mandatory client identification. If you consider the payment system from the perspective of personal use, to fully access all methods of depositing and withdrawing funds, you need to go through verification. This is not very convenient and raises some concerns about sending my personal data to an unfamiliar payment system. However, so far the reliability is reassuring, and my data has not been compromised. Another significant downside is the withdrawal fees, especially for cards. The system supports various currencies, including not only RUB but also USD, EUR, and cryptocurrencies like BTC and ETH. Internal transfers between users are free, and there is a built-in exchange service that allows currency conversion at a reasonable rate. Unlike less popular payment systems, Capitalist is well-known among affiliate programs, online stores, and other online services, which allows you to use the wallet for transactions with them.
