I work in arbitrage, and speed is critically important for me. On Ferma, applications are usually processed faster than elsewhere. I tested various directions: RUB to USD, bitcoin. I exchanged around 150,000 rubles several times, and all transactions went through without any unnecessary questions. Card verification happened once, and I haven't had to deal with it again. I'm especially pleased that notifications come to my email, so I can go about my business without having to refresh the page. I also use the referral program; I've already brought in over 70 clients, and my reward percentage has increased to 0.9. Payments are consistently reliable.