Thanks for your question.

At the initial stage, we are making a product without smart contracts because the current level of development of the blockchain as technology and smart-contracts as technology does not allow us to realize the functionality of our product through smart contracts. In the future, we plan to implement the technology and eventually  automate processses completely, so that users can deposit crypto-currencies and receive fiat money or a cryptocurrency equivalent in fiat (stablecoin) absolutely automatically through smart contracts and a blockchain.

Best,
CT