ᱵᱷᱟᱨᱚᱛ ᱨᱮ ᱠᱨᱤᱯᱴᱳ ᱛᱮ ᱛᱮᱭᱟᱨ ᱢᱮ: ᱪᱮᱫ ᱫᱚ ᱟᱹᱭᱤᱱ ᱟᱱᱟᱜ, ᱪᱮᱫ ᱨᱮ ᱴᱮᱠᱥ ᱞᱟᱜᱟᱜᱼᱟ, ᱪᱮᱫ ᱫᱚ ᱟᱠᱤᱞᱟᱱ ᱠᱟᱱᱟ᱾

ᱢᱤᱫ ᱠᱨᱤᱯᱴᱳᱠᱟᱨᱮᱱᱥᱤ ᱫᱚ ᱢᱤᱫ ᱰᱤᱡᱤᱴᱟᱞ ᱴᱳᱠᱮᱱ ᱠᱟᱱᱟ ᱡᱟᱦᱟᱸ ᱨᱮᱱᱟᱜ ᱢᱟᱹᱞᱤᱠᱤ ᱫᱚ ᱵᱮᱸᱠ ᱨᱮᱱᱟᱜ ᱱᱤᱡᱮᱨᱟᱜ ᱰᱮᱴᱟᱵᱮᱥ ᱵᱚᱫᱚᱞ ᱛᱮ ᱢᱤᱫ ᱥᱟᱡᱷᱟ ᱟᱠᱟᱱ ᱫᱤᱥᱩᱣᱟᱹ ᱞᱮᱡᱟᱨ (ᱢᱤᱫ ᱵᱽᱞᱚᱠᱪᱮᱱ) ᱨᱮ ᱚᱞ ᱛᱟᱦᱮᱸᱱᱟ᱾ ᱢᱤᱫ stablecoin ᱫᱚ ᱢᱤᱫ ᱠᱨᱤᱯᱴᱳᱠᱟᱨᱮᱱᱥᱤ ᱠᱟᱱᱟ ᱡᱟᱦᱟᱸ ᱫᱚ ᱢᱤᱫ ᱴᱷᱟᱹᱣᱠᱟᱹ ᱜᱚᱱᱚᱝ ᱫᱚᱦᱚᱭ ᱞᱟᱹᱜᱤᱫ ᱮ ᱠᱩᱨᱩᱢᱩᱴᱩᱭᱟ — ᱟᱥᱚᱠᱟᱭ ᱛᱮ 1 US ᱰᱚᱞᱟᱨ (USDC, USDT) — ᱡᱟᱣ ᱤᱥᱩ ᱟᱠᱟᱱ ᱠᱚᱭᱤᱱ ᱵᱤᱨᱩᱫᱷ ᱨᱮ ᱥᱟᱹᱨᱤ ᱨᱤᱡᱟᱨᱵᱷ ᱫᱚᱦᱚ ᱠᱟᱛᱮ᱾

ᱢᱤᱫ ᱵᱩᱱᱤᱭᱟᱹᱫᱤ ᱞᱟᱹᱜᱤᱫ, ᱞᱟᱹᱠᱛᱤᱭᱟᱱ ᱵᱷᱮᱜᱟᱨ ᱫᱚ 'ᱠᱚᱭᱤᱱ ᱵᱤᱨᱩᱫᱷ ᱛᱮ ᱴᱳᱠᱮᱱ' ᱫᱚ ᱵᱟᱝ ᱠᱟᱱᱟ ᱢᱮᱱᱠᱷᱟᱱ 'ᱵᱚᱫᱚᱞᱚᱜ ᱵᱤᱨᱩᱫᱷ ᱛᱮ ᱛᱷᱤᱨ' ᱟᱨ 'custodial ᱵᱤᱨᱩᱫᱷ ᱛᱮ self-custody' ᱠᱟᱱᱟ᱾ ᱵᱚᱫᱚᱞᱚᱜ ᱥᱚᱢᱯᱚᱛᱤ (BTC, ETH) ᱠᱚᱣᱟᱜ ᱜᱚᱱᱚᱝ ᱫᱚ ᱞᱟᱲᱟᱣᱱᱟ ᱛᱟᱦᱮᱸᱱᱟ᱾ Stablecoins ᱫᱚ ᱵᱟᱝ ᱵᱚᱫᱚᱞᱚᱜᱼᱟ, ᱡᱟᱦᱟᱸ ᱫᱚ ᱱᱚᱣᱟ ᱠᱚ ᱢᱤᱫ ᱯᱮᱢᱮᱱᱴ ᱰᱟᱦᱟᱨ ᱞᱮᱠᱟᱛᱮ ᱵᱮᱵᱷᱟᱨ ᱡᱚᱜᱽ ᱮ ᱛᱮᱭᱟᱨᱟ᱾ Custodial ᱢᱮᱱᱮᱛ ᱫᱚ ᱢᱤᱫ ᱮᱠᱥᱪᱮᱧᱡᱽ ᱟᱢᱟᱜ ᱪᱟᱹᱵᱤ ᱫᱚᱦᱚᱭᱟ᱾ Self-custody ᱢᱮᱱᱮᱛ ᱫᱚ ᱟᱢ ᱚᱱᱟ ᱠᱚᱢ ᱫᱚᱦᱚᱭᱟ — ᱟᱨ ᱡᱩᱫᱤ ᱟᱢ ᱥᱤᱰ ᱯᱷᱨᱮᱡᱽ ᱮᱢ ᱟᱫ ᱞᱮᱠᱷᱟᱱ ᱡᱚᱛᱚ ᱠᱷᱩᱛᱤ ᱟᱢ ᱜᱮᱢ ᱜᱳᱜᱼᱟ᱾

ᱵᱷᱟᱨᱚᱛ ᱨᱮ ᱠᱨᱤᱯᱴᱳ ᱫᱚ ᱵᱮᱱ ᱵᱟᱹᱱᱩᱜᱼᱟ᱾ ᱱᱚᱣᱟ ᱫᱚ ᱟᱹᱭᱤᱱ ᱟᱱᱟᱜ ᱠᱟᱨᱮᱱᱥᱤ ᱦᱚᱸ ᱵᱟᱝ ᱠᱟᱱᱟ᱾ ᱟᱢ ᱟᱹᱭᱤᱱ ᱞᱮᱠᱟᱛᱮ Virtual Digital Assets (VDAs) ᱫᱚᱦᱚ, ᱠᱤᱨᱤᱧ, ᱟᱹᱠᱷᱨᱤᱧ ᱟᱨ ᱵᱷᱮᱡᱟ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ᱾ ᱟᱢ ᱱᱚᱣᱟ ᱠᱚ ᱨᱩᱯᱤ ᱵᱮᱵᱷᱟᱨ ᱞᱮᱠᱟ ᱫᱷᱟᱹᱨ ᱥᱚᱫᱷ ᱞᱟᱹᱜᱤᱫ ᱵᱟᱢ ᱵᱮᱵᱷᱟᱨ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ᱾

ᱞᱟᱹᱠᱛᱤᱭᱟᱱ ᱚᱠᱛᱚ ᱛᱟᱹᱞᱠᱟᱹ:

• 2018 — RBI ᱥᱟᱨᱠᱩᱞᱟᱨ ᱵᱮᱸᱠ ᱠᱚᱭ ᱢᱮᱛᱟᱫ ᱠᱚᱣᱟ ᱠᱨᱤᱯᱴᱳ ᱵᱮᱯᱟᱨ ᱠᱚ ᱥᱮᱵᱟ ᱟᱞᱚ ᱮᱢᱟ ᱠᱚ ᱞᱟᱹᱜᱤᱫ᱾
• March 2020 — ᱥᱩᱯᱨᱤᱢ ᱠᱳᱨᱴ Internet and Mobile Association of India v. RBI ᱨᱮ ᱚᱱᱟ ᱥᱟᱨᱠᱩᱞᱟᱨ ᱮ ᱵᱟᱛᱤᱞ ᱠᱮᱫᱼᱟ᱾ ᱵᱮᱸᱠᱤᱝ ᱥᱮᱵᱟ ᱨᱩᱣᱟᱹᱲ ᱮᱱᱟ᱾
• 2022 — Finance Act ᱫᱚ Virtual Digital Asset ᱥᱟᱵᱟᱫ ᱟᱨ ᱟᱨᱡᱟᱣ ᱨᱮ 30% ᱴᱮᱠᱥ ᱮ ᱥᱚᱫᱚᱨ ᱠᱮᱫᱼᱟ᱾
• March 2023 — ᱠᱨᱤᱯᱴᱳ ᱫᱚ Prevention of Money Laundering Act (PMLA) ᱞᱟᱛᱟᱨ ᱛᱮ ᱟᱹᱜᱩ ᱮᱱᱟ᱾ ᱮᱠᱥᱪᱮᱧᱡᱽ ᱟᱨ ᱠᱟᱥᱴᱳᱰᱤᱭᱟᱱ ᱠᱚᱫᱚ Reporting Entities ᱠᱟᱱᱟ ᱠᱚ᱾
• March 2023 onwards — ᱵᱷᱟᱨᱚᱛ ᱨᱮᱱ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚ ᱥᱟᱶ ᱡᱚᱯᱲᱟᱣ ᱮᱠᱥᱪᱮᱧᱡᱽ, ᱠᱟᱥᱴᱚᱰᱤ, ᱴᱨᱟᱱᱥᱯᱷᱟᱨ ᱥᱮ ᱤᱥᱩ ᱥᱮᱵᱟ ᱮᱢᱚᱜ ᱠᱚ ᱞᱟᱹᱜᱤᱫ FIU-IND ᱨᱮᱡᱤᱥᱴᱨᱮᱥᱚᱱ ᱞᱟᱹᱠᱛᱤᱭᱟᱱ ᱜᱮᱭᱟ᱾

ᱱᱤᱛ ᱦᱚᱸ ᱡᱟᱦᱟᱸ ᱱᱟᱜ ᱵᱷᱮᱜᱟᱨ ᱠᱨᱤᱯᱴᱳ ᱠᱟᱹᱱᱩᱱ ᱫᱚ ᱵᱟᱹᱱᱩᱜᱼᱟ᱾ ᱡᱚᱛᱚᱣᱟᱜ Income Tax Act, PMLA, FEMA, ᱟᱨ Consumer Protection Act ᱞᱮᱠᱟᱛᱮ ᱪᱟᱞᱟᱜ ᱠᱟᱱᱟ᱾ ᱢᱤᱫ ᱴᱷᱟᱹᱣᱠᱟᱹ ᱟᱹᱱ ᱵᱟᱹᱱᱩᱜ ᱫᱚ ᱢᱤᱫ ᱵᱚᱛᱚᱨ ᱠᱟᱱᱟ, ᱪᱷᱟᱹᱲ ᱫᱚ ᱵᱟᱝ ᱠᱟᱱᱟ᱾

ᱵᱷᱟᱨᱚᱛ ᱨᱮᱱ ᱛᱟᱦᱮᱸᱱ ᱦᱚᱲ ᱠᱚᱫᱚ ᱟᱹᱭᱤᱱ ᱞᱮᱠᱟᱛᱮ PMLA ᱞᱟᱛᱟᱨ ᱨᱮ FIU-IND ᱨᱮ Reporting Entities ᱞᱮᱠᱟᱛᱮ ᱨᱮᱡᱤᱥᱴᱟᱨ ᱟᱠᱟᱱ ᱯᱞᱮᱴᱯᱷᱚᱨᱢ ᱠᱚ ᱦᱚᱛᱮᱛᱮ VDAs ᱠᱤᱨᱤᱧ, ᱟᱹᱠᱷᱨᱤᱧ ᱟᱨ ᱫᱚᱦᱚ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ ᱠᱚ᱾ ᱵᱟᱨᱭᱟ ᱵᱟᱰᱟᱭᱟᱱ ᱵᱷᱟᱨᱚᱛᱤᱭᱟᱹ ᱮᱠᱥᱪᱮᱧᱡᱽ ᱫᱚ CoinDCX ᱟᱨ WazirX ᱠᱟᱱᱟ᱾

ᱨᱮᱡᱤᱥᱴᱨᱮᱥᱚᱱ ᱛᱷᱟᱨ ᱫᱚ ᱵᱚᱫᱚᱞ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ, ᱟᱨ ᱨᱮᱡᱤᱥᱴᱟᱨ ᱟᱠᱟᱱ ᱮᱱᱴᱤᱴᱤ ᱠᱚᱣᱟᱜ ᱥᱚᱨᱠᱟᱨᱤ ᱛᱟᱹᱞᱠᱟᱹ ᱫᱚ Financial Intelligence Unit-India ᱦᱚᱛᱮᱛᱮ ᱩᱪᱷᱟᱹᱱᱚᱜᱼᱟ᱾ ᱯᱩᱭᱥᱟᱹ ᱡᱚᱢᱟ ᱞᱟᱦᱟ ᱨᱮ FIU-IND ᱯᱳᱨᱴᱟᱞ ᱨᱮ ᱱᱤᱛᱚᱜᱟᱜ ᱛᱷᱟᱨ ᱯᱚᱨᱢᱟᱱ ᱢᱮ, ᱟᱨ ᱧᱮᱞ ᱢᱮ ᱡᱮ ᱟᱢ ᱡᱟᱦᱟᱸ ᱵᱤᱥᱮᱥ ᱯᱨᱚᱰᱚᱠᱴ (spot trading, stablecoin deposits, P2P) ᱮᱢ ᱠᱷᱚᱡᱚᱜ ᱠᱟᱱᱟ ᱚᱱᱟ ᱫᱚ ᱨᱮᱡᱤᱥᱴᱨᱮᱥᱚᱱ ᱞᱟᱛᱟᱨ ᱨᱮ ᱦᱤᱡᱩᱜ ᱠᱟᱱᱟ ᱥᱮ ᱵᱟᱝ᱾

Fiat on-ramps

ᱢᱤᱫ ᱢᱮᱱᱟᱜ fiat on-ramp ᱫᱚ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚ ᱥᱟᱫᱷᱟᱨᱚᱱ ᱯᱩᱭᱥᱟᱹ (INR, UPI, ᱠᱟᱨᱰ, ᱵᱮᱸᱠ ᱴᱨᱟᱱᱥᱯᱷᱟᱨ) ᱛᱮ ᱠᱨᱤᱯᱴᱳ ᱠᱤᱨᱤᱧ ᱨᱮᱱᱟᱜ ᱫᱟᱣ ᱮ ᱮᱢᱟ ᱠᱚᱣᱟ᱾ ᱢᱤᱫ ᱡᱮᱜᱮᱛᱟᱹᱨᱤ ᱯᱨᱚᱰᱚᱠᱴ ᱞᱟᱹᱜᱤᱫ, Ramp ᱫᱚ ᱢᱤᱫ ᱧᱩᱛᱩᱢᱟᱱ ᱥᱮᱞᱮᱫ ᱫᱟᱲᱮᱭᱟᱜ ᱣᱤᱡᱮᱴ ᱠᱟᱱᱟ ᱡᱟᱦᱟᱸ ᱫᱚ ᱟᱢ ᱞᱟᱹᱜᱤᱫ ᱡᱟᱦᱟᱸ ᱱᱟᱜ ᱵᱮᱵᱚᱥᱛᱟ ᱵᱟᱝ ᱵᱮᱱᱟᱣ ᱠᱟᱛᱮ ᱦᱚᱸ KYC, ᱯᱮᱢᱮᱱᱴ ᱰᱟᱦᱟᱨ ᱵᱟᱪᱷᱟᱣ ᱟᱨ ᱴᱳᱠᱮᱱ ᱰᱮᱞᱤᱵᱷᱟᱨᱤ ᱮ ᱥᱟᱵᱼᱟ᱾ ᱱᱚᱣᱟ ᱫᱚ ᱵᱷᱟᱨᱚᱛᱤᱭᱟᱹ ᱮᱠᱥᱪᱮᱧᱡᱽ ᱫᱚ ᱵᱟᱝ ᱠᱟᱱᱟ — ᱱᱚᱣᱟ ᱫᱚ ᱤᱱᱯᱷᱨᱟᱥᱴᱨᱟᱠᱪᱟᱨ ᱠᱟᱱᱟ᱾ ᱡᱩᱫᱤ ᱟᱢ ᱨᱮᱱ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚ ᱵᱷᱟᱨᱚᱛ ᱨᱮᱱ ᱵᱟᱥᱤᱱᱫᱟ ᱠᱟᱱᱟ ᱠᱚ ᱟᱨ INR ᱛᱮ ᱯᱩᱭᱥᱟᱹ ᱠᱚ ᱮᱢᱚᱜ ᱠᱟᱱᱟ, ᱛᱚᱵᱮ Ramp ᱫᱚ ᱢᱤᱫ FIU-IND-ᱨᱮᱡᱤᱥᱴᱟᱨ ᱟᱠᱟᱱ ᱮᱠᱥᱪᱮᱧᱡᱽ ᱥᱮ off-ramp ᱥᱟᱶ ᱡᱚᱲᱟᱣ ᱢᱮ ᱡᱮᱢᱚᱱ ᱨᱩᱯᱤ ᱨᱮᱱᱟᱜ ᱠᱟᱹᱢᱤ ᱫᱚ ᱱᱤᱭᱚᱢ ᱞᱮᱠᱟᱛᱮ ᱛᱟᱦᱮᱸᱱᱟ᱾

Wallets & social login

Web3 ᱨᱮ ᱡᱚᱛᱚ ᱠᱷᱚᱱ ᱢᱟᱨᱟᱝ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚ ᱵᱟᱹᱜᱤᱭᱟᱜ ᱡᱟᱭᱜᱟ ᱫᱚ ᱣᱟᱞᱮᱴ ᱠᱟᱱᱟ᱾ ᱰᱷᱮᱨ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱫᱚ ᱵᱽᱨᱟᱣᱡᱟᱨ ᱮᱠᱥᱴᱮᱱᱥᱚᱱ ᱤᱱᱥᱴᱚᱞ, ᱥᱤᱰ ᱯᱷᱨᱮᱡᱽ ᱠᱚᱯᱤ, ᱥᱮ ᱡᱟᱦᱟᱸ ᱴᱳᱠᱮᱱ ᱩᱱᱠᱩᱣᱟᱜ ᱵᱟᱹᱱᱩᱜᱼᱟ ᱚᱱᱟ ᱛᱮ ᱜᱮᱥ ᱯᱷᱤ ᱮᱢ ᱫᱚ ᱵᱟᱠᱚ ᱠᱩᱥᱤᱭᱟᱜᱼᱟ᱾ Privy ᱫᱚ ᱱᱚᱣᱟ ᱮᱴᱠᱮᱴᱚᱬᱮ ᱮ ᱥᱟᱦᱟᱭᱟ ᱡᱚᱠᱷᱚᱱ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚ Google, ᱤᱢᱮᱞ, Twitter ᱥᱮ ᱮᱴᱟᱜ ᱥᱳᱥᱤᱭᱟᱞ ᱮᱠᱟᱣᱩᱱᱴ ᱛᱮ ᱥᱟᱭᱤᱱ ᱤᱱ ᱡᱚᱠᱷᱚᱡ ᱢᱤᱫ ᱥᱮᱞᱮᱫ ᱣᱟᱞᱮᱴ ᱮ ᱮᱢᱟ ᱠᱚᱣᱟ᱾ ᱟᱢ ᱴᱨᱟᱱᱡᱮᱠᱥᱚᱱ ᱠᱚ ᱥᱯᱚᱱᱥᱚᱨ ᱦᱚᱸ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ ᱡᱮᱢᱚᱱ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚ ᱛᱤᱥ ᱦᱚᱸ ᱜᱮᱥ ᱯᱷᱤ ᱵᱟᱠᱚ ᱧᱮᱞᱟ᱾

ᱱᱚᱰᱮ ᱜᱮ ᱟᱹᱰᱤ ᱜᱟᱱ ᱵᱩᱱᱤᱭᱟᱹᱫᱤ ᱠᱚ ᱵᱷᱩᱞᱟ᱾ ᱡᱟᱣ VDA ᱴᱨᱟᱱᱡᱮᱠᱥᱚᱱ ᱨᱮᱱᱟᱜ ᱞᱟᱵᱷ ᱨᱮ ᱴᱮᱠᱥ ᱞᱟᱜᱟᱜᱼᱟ, ᱟᱨ ᱡᱟᱣ ᱴᱨᱟᱱᱥᱯᱷᱟᱨ ᱨᱮᱱᱟᱜ ᱜᱚᱱᱚᱝ ᱨᱮ TDS ᱞᱟᱜᱟᱜᱼᱟ᱾

ᱡᱩᱫᱤ ᱟᱢ ᱵᱷᱟᱨᱚᱛ ᱵᱟᱦᱨᱮ ᱨᱮᱱ ᱠᱟᱥᱴᱚᱢᱟᱨ ᱠᱚ ᱟᱹᱠᱷᱨᱤᱧ ᱟᱠᱚ ᱠᱟᱱᱟ ᱟᱨ USDC ᱛᱮ ᱯᱩᱭᱥᱟᱹ ᱧᱟᱢ ᱮᱢ ᱠᱷᱚᱡᱚᱜ ᱠᱟᱱᱟ, ᱥᱮ ᱟᱢ ᱵᱟᱦᱨᱮ ᱫᱤᱥᱚᱢ ᱨᱮᱱ ᱜᱚᱲᱚᱣᱟᱱ ᱠᱚ USDT ᱛᱮᱢ ᱮᱢᱟ ᱠᱚ ᱠᱟᱱᱟ, ᱛᱚᱵᱮ ᱟᱢ FEMA ᱮᱨᱤᱭᱟ ᱨᱮ ᱢᱮᱱᱟᱜ ᱢᱮᱭᱟ᱾ FEMA ᱫᱚ ᱠᱨᱤᱯᱴᱳ ᱵᱤᱥᱮᱥ ᱠᱟᱛᱮ ᱵᱟᱭ ᱧᱩᱛᱩᱢ ᱟᱠᱟᱫᱼᱟ, ᱡᱟᱦᱟᱸ ᱨᱮᱱᱟᱜ ᱢᱮᱱᱮᱛ ᱫᱚ ᱡᱟᱣ ᱨᱮᱢᱤᱴᱮᱱᱥ ᱜᱮ ᱢᱤᱫ ᱢᱮᱱᱟᱜ ᱱᱤᱭᱚᱢ ᱥᱟᱶ ᱢᱤᱞᱟᱹᱣ ᱦᱩᱭᱩᱜᱼᱟ — ᱟᱥᱚᱠᱟᱭ ᱛᱮ Liberalised Remittance Scheme (LRS), ᱡᱟᱦᱟᱸ ᱫᱚ ᱱᱤᱛᱚᱜ ᱡᱟᱣ ᱛᱟᱦᱮᱸᱱ ᱦᱚᱲ ᱞᱟᱹᱜᱤᱫ ᱢᱤᱫ ᱠᱟᱹᱣᱰᱤ ᱥᱮᱨᱢᱟ ᱨᱮ USD 250,000 ᱠᱟᱱᱟ, ᱟᱨ ₹7 ᱞᱟᱠᱷ ᱠᱷᱚᱱ ᱪᱮᱛᱟᱱ ᱨᱮ 20% TCS ᱞᱟᱜᱟᱜᱼᱟ᱾

• ᱵᱟᱦᱨᱮ ᱫᱤᱥᱚᱢ ᱨᱮ ᱮᱢ ᱟᱠᱟᱫ ᱥᱮᱵᱟ ᱞᱟᱹᱜᱤᱫ ᱥᱴᱮᱵᱮᱞᱠᱚᱭᱤᱱ ᱧᱟᱢ: ᱱᱚᱣᱟ ᱫᱚ ᱵᱟᱦᱨᱮ ᱵᱷᱮᱡᱟ ᱟᱨᱡᱟᱣ ᱞᱮᱠᱟᱛᱮ ᱢᱟᱱᱟᱣ ᱢᱮ᱾ ᱢᱤᱫ ᱱᱤᱭᱚᱢ ᱞᱮᱠᱟᱱ on-ramp ᱦᱚᱛᱮᱛᱮ INR ᱛᱮ ᱵᱚᱫᱚᱞ ᱢᱮ, ᱡᱟᱦᱟᱸ ᱨᱮ ᱜᱟᱱᱚᱜᱼᱟ ᱚᱱᱰᱮ FIRC/FIRA ᱦᱟᱛᱟᱣ ᱢᱮ, USD ᱛᱮ ᱤᱱᱵᱷᱚᱭᱤᱥ ᱢᱮ, INR ᱛᱮ ᱵᱩᱠ ᱢᱮ᱾
• ᱵᱟᱦᱨᱮ ᱫᱤᱥᱚᱢ ᱨᱮ ᱠᱟᱹᱢᱤᱭᱟᱹ ᱠᱚ ᱥᱴᱮᱵᱮᱞᱠᱚᱭᱤᱱ ᱛᱮ ᱮᱢ: stablecoin ᱠᱤᱨᱤᱧ ᱞᱟᱹᱜᱤᱫ ᱵᱮᱵᱷᱟᱨ ᱟᱠᱟᱱ INR ᱜᱚᱱᱚᱝ ᱨᱮ LRS ᱥᱤᱢᱟᱹ ᱟᱨ TCS ᱱᱤᱛ ᱦᱚᱸ ᱞᱟᱜᱟᱜᱼᱟ᱾
• ᱵᱟᱝ-ᱨᱮᱡᱤᱥᱴᱟᱨ ᱟᱠᱟᱱ ᱰᱟᱦᱟᱨ ᱛᱮ Peer-to-peer USDT ᱵᱮᱯᱟᱨ ᱫᱚ ᱡᱚᱛᱚ ᱠᱷᱚᱱ ᱢᱟᱨᱟᱝ ᱵᱚᱛᱚᱨ ᱰᱟᱦᱟᱨ ᱠᱟᱱᱟ ᱡᱟᱦᱟᱸ ᱫᱚ ᱴᱮᱠᱥ ᱟᱨ ᱮᱱᱯᱷᱳᱨᱥᱢᱮᱱᱴ ᱵᱤᱵᱷᱟᱜᱽ ᱠᱚ ᱧᱮᱞ ᱧᱟᱢ ᱮᱫᱼᱟ᱾ ᱱᱚᱣᱟ ᱫᱚ ᱟᱞᱚᱢ ᱠᱟᱹᱢᱤᱭᱟ᱾

• ᱡᱩᱫᱤ ᱟᱢ ᱵᱷᱟᱨᱚᱛ ᱨᱮᱱ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚ ᱞᱟᱹᱜᱤᱫ ᱮᱠᱥᱪᱮᱧᱡᱽ, wallet-as-a-service, ᱠᱟᱥᱴᱚᱰᱤ, ᱥᱮ ᱴᱳᱠᱮᱱ ᱤᱥᱩ ᱮᱢ ᱪᱟᱞᱟᱣ ᱮᱫᱼᱟ, ᱛᱚᱵᱮ FIU-IND ᱨᱮ ᱨᱮᱡᱤᱥᱴᱟᱨ ᱢᱮ᱾
• ᱡᱟᱣ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱜᱮ KYC ᱠᱚᱣᱟᱜ ᱢᱮ᱾ AML ᱛᱚᱞᱟᱥ ᱢᱮ᱾ ᱡᱟᱦᱟᱸ ᱨᱮ ᱞᱟᱹᱠᱛᱤ ᱢᱮᱱᱟᱜᱼᱟ ᱚᱱᱰᱮ ᱥᱚᱸᱥᱚᱭ ᱟᱱ ᱴᱨᱟᱱᱡᱮᱠᱥᱚᱱ ᱨᱤᱯᱳᱨᱴ ᱮᱢ ᱢᱮ᱾ PMLA ᱞᱮᱠᱟᱛᱮ ᱞᱟᱹᱠᱛᱤᱭᱟᱱ ᱚᱠᱛᱚ ᱦᱟᱹᱵᱤᱡ ᱨᱮᱠᱳᱨᱰ ᱠᱚ ᱫᱚᱦᱚ ᱢᱮ᱾
• INR ᱛᱮ ᱤᱱᱵᱷᱚᱭᱤᱥ ᱢᱮ, ᱥᱴᱮᱵᱮᱞᱠᱚᱭᱤᱱ ᱧᱟᱢ ᱠᱚᱫᱚ ᱚᱱᱟ ᱦᱤᱞᱳᱜ ᱨᱮᱱᱟᱜ RBI ᱨᱮᱯᱷᱚᱨᱮᱱᱥ ᱫᱚᱨ ᱞᱮᱠᱟᱛᱮ ᱦᱤᱥᱟᱹᱵᱽ ᱢᱮ, ᱟᱨ ᱥᱟᱯᱷᱟ ᱛᱮ ᱵᱩᱠ ᱢᱮ᱾
• ᱠᱷᱟᱹᱞᱤ FIU-IND-ᱨᱮᱡᱤᱥᱴᱟᱨ ᱟᱠᱟᱱ on-ramps ᱟᱨ off-ramps ᱠᱚ ᱜᱮ ᱵᱮᱵᱷᱟᱨ ᱢᱮ ᱡᱮᱞᱮᱠᱟ CoinDCX, WazirX, Mudrex, Bitbns, ᱮᱢᱟᱱ᱾ ᱯᱩᱭᱥᱟᱹ ᱵᱷᱮᱡᱟ/ᱡᱚᱢᱟ ᱞᱟᱦᱟ ᱨᱮ ᱱᱤᱛᱚᱜᱟᱜ ᱨᱮᱡᱤᱥᱴᱨᱮᱥᱚᱱ ᱛᱷᱟᱨ ᱧᱮᱞ ᱢᱮ᱾
• ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚᱣᱟᱜ ᱮᱴᱠᱮᱴᱚᱬᱮ ᱠᱚᱢ ᱞᱟᱹᱜᱤᱫ Privy ᱞᱮᱠᱟᱱ ᱣᱟᱞᱮᱴ ᱤᱱᱯᱷᱨᱟᱥᱴᱨᱟᱠᱪᱟᱨ ᱟᱨ Ramp ᱞᱮᱠᱟᱱ fiat on-ramps ᱵᱮᱵᱷᱟᱨ ᱢᱮ, ᱢᱮᱱᱠᱷᱟᱱ ᱵᱷᱟᱨᱚᱛ ᱨᱮᱱᱟᱜ KYC, PMLA ᱥᱮ FEMA ᱨᱮᱱᱟᱜ ᱱᱤᱭᱚᱢ ᱠᱚ ᱮᱲᱮ ᱞᱟᱹᱜᱤᱫ ᱱᱚᱣᱟ ᱠᱚ ᱵᱟᱢ ᱵᱮᱵᱷᱟᱨ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ᱾
• 194S ᱞᱟᱛᱟᱨ ᱨᱮ 1% TDS ᱠᱟᱴᱟᱣ ᱟᱨ ᱡᱚᱢᱟ ᱢᱮ᱾ ᱡᱟᱣ ᱯᱮ-ᱢᱟᱦᱟᱨᱤ Form 26QE ᱯᱷᱟᱭᱤᱞ ᱢᱮ᱾
• ᱡᱟᱦᱟᱸ ᱱᱟᱜ ᱴᱳᱠᱮᱱᱟᱭᱤᱡᱽᱰ ᱯᱨᱚᱰᱚᱠᱴ ᱞᱚᱧᱪ ᱞᱟᱦᱟ ᱨᱮ ᱢᱤᱫ ᱪᱟᱨᱴᱟᱨᱰ ᱮᱠᱟᱣᱩᱱᱴᱮᱱᱴ ᱠᱷᱚᱱ ᱚᱞ ᱟᱠᱟᱱ ᱢᱚᱛ ᱦᱟᱛᱟᱣ ᱢᱮ᱾
• ᱤᱣᱴᱤᱞᱤᱴᱤ ᱵᱮᱱᱟᱣ ᱢᱮ, ᱤᱭᱮᱞᱰ ᱫᱚ ᱵᱟᱝ᱾ ᱥᱟᱹᱨᱤ ᱯᱨᱚᱰᱚᱠᱴ ᱥᱟᱶ ᱡᱚᱲᱟᱣ ᱟᱠᱟᱱ ᱤᱣᱴᱤᱞᱤᱴᱤ ᱴᱳᱠᱮᱱ ᱠᱚᱫᱚ ᱠᱟᱹᱱᱩᱱᱤ ᱵᱚᱫᱚᱞ ᱠᱚ ᱵᱷᱟᱹᱜᱤ ᱥᱟᱹᱦᱤᱡ ᱠᱚ ᱥᱟᱦᱟᱣ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ, ᱠᱟᱛᱷᱟ-ᱮᱢ ᱟᱠᱟᱱ ᱴᱳᱠᱮᱱ ᱠᱚ ᱵᱚᱫᱚᱞ ᱛᱮ᱾

• ᱢᱤᱫ ᱨᱮᱡᱤᱥᱴᱟᱨ ᱟᱠᱟᱱ ᱮᱠᱥᱪᱮᱧᱡᱽ ᱵᱟᱦᱨᱮ ᱨᱮ INR/crypto ᱵᱮᱯᱟᱨ ᱡᱚᱲᱟ ᱠᱚᱫᱚ ᱟᱞᱚᱢ ᱪᱟᱞᱟᱣᱟ᱾
• ᱵᱮᱸᱠᱤᱝ ᱰᱟᱦᱟᱨ ᱛᱮ B2B ᱤᱱᱵᱷᱚᱭᱤᱥ ᱫᱚ ᱠᱨᱤᱯᱴᱳ ᱛᱮ ᱟᱞᱚᱢ ᱥᱚᱫᱷᱟ — ᱵᱮᱸᱠ ᱠᱚ ᱱᱚᱣᱟ ᱪᱤᱱᱦᱟᱹ ᱞᱟᱹᱜᱤᱫ ᱞᱟᱹᱭ ᱟᱠᱟᱱᱟ᱾
• ᱡᱟᱦᱟᱸ ᱱᱟᱜ ᱴᱳᱠᱮᱱ ᱨᱮ 'ᱨᱤᱴᱚᱨᱱᱥ', 'ᱤᱭᱮᱞᱰ', 'ᱯᱮᱥᱤᱵᱷ ᱤᱱᱠᱟᱢ' ᱥᱮ 'ᱜᱮᱨᱮᱱᱴᱤ ᱞᱟᱵᱷ' ᱨᱮᱱᱟᱜ ᱠᱟᱛᱷᱟ ᱟᱞᱚᱢ ᱮᱢᱟ᱾ ᱱᱚᱣᱟ ᱫᱚ ᱰᱮᱯᱳᱡᱤᱴ-ᱴᱮᱠᱤᱝ ᱟᱨ ᱥᱤᱠᱤᱣᱨᱤᱴᱤ ᱠᱟᱹᱱᱩᱱ ᱨᱮ ᱥᱮᱱᱚᱜᱼᱟ᱾
• ᱵᱷᱟᱨᱚᱛ ᱨᱮᱱ ᱵᱟᱥᱤᱱᱫᱟ ᱠᱚ ᱞᱟᱹᱜᱤᱫ ᱵᱟᱝ-ᱨᱮᱡᱤᱥᱴᱟᱨ ᱟᱠᱟᱱ ᱴᱳᱠᱮᱱ ᱟᱹᱠᱷᱨᱤᱧ (ICO/IDO) ᱟᱞᱚᱢ ᱠᱟᱹᱢᱤᱭᱟ᱾ ᱡᱟᱦᱟᱸ ᱱᱟᱜ ICO ᱰᱷᱟᱸᱪᱟ ᱫᱚ ᱵᱟᱹᱱᱩᱜᱼᱟ — 'ᱵᱟᱝ ᱱᱤᱭᱚᱢ ᱟᱠᱟᱱ' ᱢᱮᱱᱮᱛ ᱫᱚ 'ᱵᱚᱛᱚᱨ ᱨᱮ ᱢᱮᱱᱟᱜ', 'ᱪᱷᱟᱹᱲ ᱮᱢ ᱟᱠᱟᱱ' ᱫᱚ ᱵᱟᱝ ᱠᱟᱱᱟ᱾
• ᱠᱨᱤᱯᱴᱳ ᱠᱷᱩᱛᱤ ᱫᱚ ᱟᱢᱟᱜ ᱛᱚᱞᱚᱵᱽ, ᱯᱷᱨᱤᱞᱟᱱᱥ ᱟᱨᱡᱟᱣ, ᱥᱮ ᱮᱴᱟᱜ ᱡᱟᱦᱟᱸ ᱱᱟᱜ ᱟᱨᱡᱟᱣ ᱥᱟᱶ ᱟᱞᱚᱢ ᱥᱟᱣᱟᱨᱟ (offset)᱾
• KYC ᱥᱤᱢᱟᱹ ᱠᱷᱚᱱ ᱪᱮᱛᱟᱱ ᱵᱟᱝ-ᱧᱩᱛᱩᱢᱟᱱ ᱯᱮᱢᱮᱱᱴ ᱠᱚ ᱟᱞᱚᱢ ᱦᱟᱛᱟᱣᱟ᱾
• ᱵᱟᱦᱨᱮ ᱫᱤᱥᱚᱢ ᱨᱮ ᱠᱚᱢᱯᱟᱱᱤ ᱵᱮᱱᱟᱣ ᱞᱮᱠᱷᱟᱱ ᱟᱢᱮᱢ ᱵᱟᱧᱪᱟᱣ ᱠᱚᱜᱼᱟ ᱢᱮᱱᱛᱮ ᱟᱞᱚᱢ ᱵᱷᱟᱹᱵᱤᱭᱟ᱾ ᱡᱩᱫᱤ ᱵᱷᱟᱨᱚᱛ ᱨᱮᱱ ᱵᱟᱥᱤᱱᱫᱟ ᱟᱢ ᱨᱮᱱ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱟᱱᱟ ᱠᱚ, ᱛᱚᱵᱮ ᱵᱷᱟᱨᱚᱛ ᱨᱮᱱᱟᱜ ᱠᱟᱹᱱᱩᱱ ᱚᱱᱟ ᱠᱟᱹᱢᱤ ᱯᱟᱸᱡᱟ ᱛᱮ ᱦᱤᱡᱩᱜᱼᱟ᱾

Web3 ᱫᱚ ᱟᱯᱱᱟᱨ ᱛᱮᱜᱮ ᱵᱷᱟᱹᱜᱤ ᱫᱚ ᱵᱟᱝ ᱠᱟᱱᱟ᱾ ᱱᱚᱣᱟ ᱫᱚ ᱵᱷᱮᱜᱟᱨ ᱵᱷᱮᱜᱟᱨ ᱠᱟᱛᱷᱟ ᱨᱮᱱᱟᱜ ᱡᱚᱲᱟ ᱠᱟᱱᱟ᱾ ᱱᱚᱣᱟ ᱫᱚ ᱯᱩᱭᱞᱩ ᱫᱷᱟᱣ ᱞᱮᱠᱟᱛᱮ ᱵᱮᱵᱷᱟᱨ ᱢᱮ᱾

Web3 ᱵᱟᱪᱷᱟᱣ ᱢᱮ ᱡᱩᱫᱤ…

• ᱟᱢ ᱨᱮᱱ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚ ᱯᱩᱭᱞᱩ ᱢᱟᱦᱟ ᱠᱷᱚᱱ ᱜᱮ ᱡᱮᱜᱮᱛᱟᱹᱨᱤ ᱠᱟᱱᱟ ᱠᱚ ᱟᱨ ᱠᱟᱨᱰ ᱯᱨᱳᱥᱮᱥᱚᱨ ᱠᱚ ᱟᱢᱟᱜ ᱵᱷᱮᱜᱟᱨ ᱵᱟᱠᱚ ᱦᱟᱛᱟᱣᱮᱫᱼᱟ᱾
• ᱢᱟᱹᱞᱤᱠᱤ, ᱥᱤᱨᱡᱚᱱ ᱯᱚᱨᱢᱟᱱ ᱥᱮ ᱯᱨᱳᱜᱽᱨᱟᱢᱮᱵᱟᱞ ᱟᱹᱭᱫᱟᱹᱨ ᱠᱚ ᱜᱮ ᱯᱨᱚᱰᱚᱠᱴ ᱠᱟᱱᱟ (ᱟᱨᱴ, ᱥᱮᱨᱮᱧ, ᱞᱟᱭᱥᱮᱱᱥᱤᱝ, ᱢᱮᱢᱵᱟᱨᱥᱤᱯ)᱾
• ᱟᱢ ᱢᱤᱫ ᱥᱟᱯᱷᱟ, ᱚᱰᱤᱴ ᱜᱟᱱᱚᱜ ᱦᱟᱞᱚᱛ ᱮᱢ ᱠᱷᱚᱡᱚᱜ ᱠᱟᱱᱟ ᱡᱟᱦᱟᱸ ᱫᱚ ᱡᱟᱦᱟᱸᱭ ᱢᱤᱫ ᱦᱚᱲ ᱵᱟᱭ ᱪᱟᱞᱟᱣ ᱮᱫᱼᱟ᱾
• ᱟᱢ ᱴᱷᱮᱱ FIU-IND + 30% VDA ᱴᱮᱠᱥ + ᱚᱰᱤᱴ ᱠᱚᱣᱟᱜ ᱱᱤᱭᱚᱢ ᱯᱟᱞᱚᱱ ᱨᱮᱱᱟᱜ ᱫᱟᱲᱮ ᱢᱮᱱᱟᱜᱼᱟ᱾

Web2 ᱵᱟᱪᱷᱟᱣ ᱢᱮ ᱡᱩᱫᱤ…

• ᱟᱢ ᱨᱮᱱ ᱵᱮᱵᱷᱟᱨᱤᱭᱟᱹ ᱠᱚ ᱟᱥᱚᱠᱟᱭ ᱛᱮ ᱵᱷᱟᱨᱚᱛᱤᱭᱟᱹ ᱠᱟᱱᱟ ᱠᱚ ᱟᱨ INR ᱛᱮ ᱯᱩᱭᱥᱟᱹ ᱠᱚ ᱮᱢᱚᱜ ᱠᱟᱱᱟ᱾
• ᱟᱢᱟᱜ ᱯᱨᱚᱰᱚᱠᱴ ᱫᱚ ᱢᱤᱫ ᱥᱮᱵᱟ ᱠᱟᱱᱟ, ᱥᱚᱢᱯᱚᱛᱤ ᱫᱚ ᱵᱟᱝ ᱠᱟᱱᱟ᱾
• ᱟᱢ ᱞᱚᱜᱚᱱ ᱵᱚᱫᱚᱞ ᱮᱢ ᱠᱷᱚᱡᱚᱜ ᱠᱟᱱᱟ ᱟᱨ ᱱᱤᱛᱚᱜ ᱜᱮ ᱱᱤᱭᱚᱢ ᱯᱟᱞᱚᱱ ᱨᱮᱱᱟᱜ ᱵᱷᱟᱨ ᱵᱟᱢ ᱜᱚᱜ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ᱾
• ᱟᱢᱟᱜ ᱴᱤᱢ ᱴᱷᱮᱱ ᱳᱱ-ᱪᱮᱱ ᱤᱧᱡᱤᱱᱤᱭᱟᱹᱨᱤᱝ ᱨᱮᱱᱟᱜ ᱜᱟᱹᱦᱤᱨ ᱜᱭᱟᱱ ᱵᱟᱹᱱᱩᱜᱼᱟ᱾

ᱥᱟᱹᱨᱤ ᱵᱚᱛᱚᱨ ᱠᱚ

• RBI ᱥᱟᱨᱠᱩᱞᱟᱨ ᱵᱟᱹᱱᱩᱜ ᱨᱮᱦᱚᱸ ᱵᱮᱜᱟᱨ ᱵᱮᱸᱠ ᱠᱚ ᱦᱚᱛᱮᱛᱮ ᱵᱮᱸᱠᱤᱝ ᱥᱮᱵᱟ ᱫᱚ ᱛᱷᱤᱨ ᱛᱮ ᱵᱚᱱᱫᱚ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ᱾
• ᱠᱟᱹᱱᱩᱱᱤ ᱵᱚᱫᱚᱞ ᱵᱚᱛᱚᱨ — ᱟᱜᱟᱢ ᱨᱮᱱᱟᱜ ᱢᱤᱫ ᱟᱹᱱ ᱫᱚ ᱢᱤᱫᱴᱟᱹᱝ ᱵᱚᱡᱮᱴ ᱪᱟᱠᱷᱟ ᱨᱮ ᱱᱤᱭᱚᱢ ᱠᱚᱭ ᱵᱚᱫᱚᱞ ᱫᱟᱲᱮᱭᱟᱜᱼᱟ᱾
• ᱠᱟᱹᱣᱰᱤ ᱵᱚᱫᱚᱞᱚᱜ ᱵᱚᱛᱚᱨ — ᱠᱟᱹᱢᱤᱭᱟᱜ ᱯᱩᱭᱥᱟᱹ BTC/ETH ᱨᱮ ᱫᱚᱦᱚ ᱫᱚ ᱵᱮᱯᱟᱨ ᱨᱮᱱᱟᱜ ᱵᱚᱛᱚᱨ ᱠᱟᱱᱟ, ᱵᱟᱧᱪᱟᱣ ᱫᱚ ᱵᱟᱝ ᱠᱟᱱᱟ᱾
• ᱥᱢᱟᱨᱴ ᱠᱚᱱᱴᱨᱮᱠᱴ ᱟᱨ ᱠᱟᱥᱴᱚᱰᱤ ᱵᱚᱛᱚᱨ — ᱠᱳᱰ ᱟᱨ ᱪᱟᱹᱵᱤ ᱢᱮᱱᱮぜᱢᱮᱱᱴ ᱫᱚ ᱱᱤᱛᱚᱜ ᱟᱢᱟᱜ ᱵᱚᱛᱚᱨ ᱮᱨᱤᱭᱟ ᱨᱮᱱᱟᱜ ᱢᱤᱫ ᱦᱤᱥ ᱠᱟᱱᱟ᱾
• ᱢᱟᱹᱱ ᱵᱟᱹᱲᱤᱡᱚᱜ ᱵᱚᱛᱚᱨ — ᱵᱷᱟᱨᱚᱛ ᱨᱮᱱ ᱢᱩᱞ ᱠᱟᱥᱴᱚᱢᱟᱨ ᱠᱚ ᱛᱟᱞᱟ ᱨᱮ 'ᱠᱨᱤᱯᱴᱳ' ᱫᱚ ᱱᱤᱛ ᱦᱚᱸ ᱮᱲᱮ ᱥᱟᱶ ᱡᱚᱲᱟᱣ ᱢᱮᱱᱟᱜᱼᱟ᱾

ᱥᱟᱹᱨᱤ ᱛᱟᱹᱠ ᱠᱚ

• ᱜᱚᱲᱚᱣᱟᱱ ᱠᱚ ᱢᱚᱬᱮ ᱜᱚᱴᱟᱝ ᱵᱮᱯᱟᱨ ᱢᱟᱦᱟᱸ ᱵᱚᱫᱚᱞ ᱛᱮ ᱢᱤᱱᱤᱴ ᱠᱚ ᱛᱟᱞᱟ ᱨᱮ ᱡᱮᱜᱮᱛᱟᱹᱨᱤ ᱯᱩᱭᱥᱟᱹ ᱵᱷᱮᱡᱟ᱾
• ᱥᱤᱨᱡᱚᱱᱤᱭᱟᱹ ᱟᱨ ᱜᱟᱶᱛᱟ ᱠᱚ ᱞᱟᱹᱜᱤᱫ ᱴᱳᱠᱮᱱᱟᱭᱤᱡᱽᱰ ᱢᱮᱢᱵᱟᱨᱥᱤᱯ ᱟᱨ ᱵᱚᱞᱚᱱ ᱯᱟᱥ ᱾
• ᱠᱟᱹᱨᱤᱜᱚᱞ, ᱥᱮᱨᱮᱧᱤᱭᱟᱹ ᱟᱨ ᱞᱟᱭᱥᱮᱱᱥ ᱮᱢᱚᱜ ᱠᱚ ᱞᱟᱹᱜᱤᱫ ᱯᱨᱳᱜᱽᱨᱟᱢᱮᱵᱟᱞ ᱨᱳᱭᱮᱞᱴᱤ᱾
• ᱚᱥᱚᱞ ᱠᱟᱹᱢᱤ ᱞᱟᱹᱜᱤᱫ ᱯᱚᱨᱢᱟᱱ ᱡᱚᱜᱽ ᱥᱤᱨᱡᱚᱱ — ᱯᱚᱨᱢᱟᱱ ᱡᱚᱜᱽ ᱚᱱᱚᱞᱤᱭᱟᱹ, ᱫᱚᱲᱦᱟ ᱟᱹᱠᱷᱨᱤᱧ ᱜᱩᱱ᱾
• ᱥᱚᱡᱷᱮ ᱜᱚᱲᱚ ᱰᱟᱦᱟᱨ ᱠᱚ ᱡᱟᱦᱟᱸ ᱫᱚ 20–30% ᱯᱞᱮᱴᱯᱷᱚᱨム ᱵᱷᱟᱜᱽ ᱵᱟᱠᱚ ᱦᱟᱛᱟᱣᱟ᱾