I don't understand why there's so much hate. The working conditions are standard – fees for opening, servicing, and transactions. Everyone does this now, and by the way, they charge much more for these services. Here, the fees are lower, plus the first year of service is free. The only thing to nitpick about is that sometimes payments may not go through on certain services. This happens in similar systems, and there's nothing you can do about it. There are significantly more positive aspects. Getting a card is very easy and quick – it takes just a few minutes and can be done through a Telegram bot. You don't need foreign SIM cards, powers of attorney, or anything like that. The card is virtual, there is no plastic equivalent. To pay on websites, you just need to enter the details provided on the card. You can use your own name for convenience. You can top up your balance through the fast payment system with any Russian card.