We didn't want you to get the impression that your questions are being ignored or not being taken seriously enough, so we've taken time out to answer all of the questions in more detail at once.
The fact is that the Platform receives money from billing with a large lag, first of all, at least 14 days of hold on the billing side, in a high-risk business this is the minimum period. Plus, there is such a thing as a rolling reserve - this is a special billing account where at least 10% of the amount of all payments paid by our users falls for 180 days. That is, the Platform will not receive part of the amount earlier than in six months, and the main part only in two weeks.
If the bank withholds customer payments and imposes a fine on the Platform, then the Platform must pay not only the fine to the bank, but also payments to partners, the money that partners have earned on the Platform. Before the introduction of the insurance balance, the Platform paid both amounts - the fine and payments to partners - from its own reserves.
With the introduction of the insurance balance, we do not shift all the risks to partners. This is impossible: 10% of deductions on the insurance balance will not be enough for a fine. Half of the fine will be paid by the Platform from its reserves, the remaining half will be taken from the insurance balance.
Until now, the Platform has borne all such fines and related risks independently. We decided to introduce an insurance balance due to an increase in the frequency and amount of fines. Financial regulators have become more strict, especially on content-related infringements. The main claim of any regulator is the sale of access to unlicensed content. But we take risks and accept credit cards, another option is to start losing customers due to the inability to pay with a credit card.
We wouldn’t want you to get the impression that we wanted to carry out today's deductions of the hold under the guise. In any case, such a procedure can’t be carried out imperceptibly. This is a matter of our intra-team interaction, obviously, this is our growth area.