Quote from: 20kevin20 on Today at 07:21:51 PM

Pai.. practic, termenii lor spun altceva [...] Sunt curios de ce ai sters anumite propozitii din citatul tau

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How we hold cryptocurrency as your nominee

You will own the rights to the financial value of any cryptocurrency we buy for you.

We will hold your cryptocurrencies on your behalf and you will have a right (called a ‘beneficial right’) to them. This means you can tell us when to sell or transfer it (within the limits of these terms and conditions). You have complete control of your cryptocurrencies, and we will only act upon instructions you give us. You will not be able to carry out transactions yourself.

The cryptocurrency we buy for you is held in a ‘virtual account’ that also holds cryptocurrencies for other Revolut customers. You will not have a separate cryptocurrency account. You can use the Revolut app to see the amount of cryptocurrency we’re holding for you.

Daca citesti cu atentie, e acelasi lucru cu ce citasem si eu. Eu lasasem partile esentiale.

"You will own the rights to the financial value of any cryptocurrency we buy for you." - Propozitia aceasta spune faptul ca detii dreptul financiar asupra criptomonedelor, nu criptomonedele in sine. Mai departe, spun ca ai control asupra lor. Ai control in sensul ca poti decide sa le vinzi sau cumperi, prin intermediul Revolut, dar tu dai ordin asupra banilor fiat pe care ii detii in Revolut, nu asupra vreunei criptomonede, intrucat nu ai nicio criptomoneda. Nu ai cum sa ai criptomoneda, neavand portofel pentru ea... Ei cumpara pentru tine criptomoneda, o tin intr-un cont virtual (adica Revolut-ul are un portofel de Bitcoin, evident, dar acela e al Revolut-ului, nu al tau) si tu poti decide ce faci cu ea mai departe, dar doar prin intermediul lor, intrucat tu nu ai acces direct la crypto, ci doar la contravaloarea lor in fiat. Acesta este CFD-ul.

Quote from: 20kevin20 on Today at 07:21:51 PM

Si, tot de pe acelasi link, avem asta:

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There won’t be any contractual relationship between you and our partnered cryptocurrency exchanges or any sub-custodian we appoint.

Ai doar dreptul la contravaloarea ei in fiat, nu asupra criptomonedei. Revolut nu ofera portofele crypto... E ca si cum ai spune (scuze daca pare exagerat exemplul) ca Pi ar fi o criptomoneda, in conditiile in care nu are blockchain. Propozitia de mai sus confirma ca Revolut cumpara pentru tine criptomonede de la un exchange, insa tu nu te poti folosi direct de acel exchange pentru a cumpara crypto. Poti cumpara doar prin intermediul Revolut. Daca achizitionezi, de fapt nu achizitionezi propriu-zis, ci doar dai ordin Revolut-ului sa cumpere pentru tine; Revolut cumpara crypto, il depoziteaza in acel cont virtual la care tu nu ai acces, iar tu vezi in contul tau valoarea in bani fiat a achizitiei facute anterior de Revolut.

Quote from: 20kevin20 on Today at 07:21:51 PM

Uite in schimb ce zice PayPal despre criptomonede (https://www.paypal.com/us/webapps/mpp/ua/cryptocurrencies-tnc):

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You will not hold the digital Crypto Assets themselves in your Crypto Asset balance.
[..]
You do not own any specific, identifiable, Crypto Asset.

PayPal sunt mai sinceri si mai directi, cinste lor

Revolut face acelasi lucru, dar nu iti spune la fel de "verde-n fata".