The article provides an analysis of the main savings accounts in the UAE. An analysis of crypto savings accounts in Arab countries is given. An analysis of the main savings accounts in Russia, an analysis of crypto savings accounts in Russia is conducted. A comparison of profitability and risks is given. Recommendations for investors in choosing a strategy in Russia and the UAE are presented. A comparative analysis of savings accounts in cryptocurrency and traditional instruments in Russia and Arab countries is considered according to key criteria of profitability, risks, regulatory environment, including recommendations for investors.
bank, digital assets, cryptocurrency, savings, savings accounts
1. Bankovskoy schet nerezidenta OAE // Emirabiz. — URL: emirabiz.ru/bankovskij-schet-nerezidenta-oaeh/ (data obrascheniya: 24.03-27.03.2025).
2. Gazprombank. — URL: www.gazprombank.ru/?ysclid=mc54kgxqq404615846 (data obrascheniya: 24.03-27.03.2025).
3. Gorbacheva, T. A. Ponyatie steyblkoinov i aktual'noe sostoyanie rynka stabil'nyh monet / T. A. Gorbacheva // Finansovyy zhurnal. — 2022. — T. 14, № 1. — S. 126-139.
4. Kak izmenilsya rossiyskiy rynok kriptovalyut i mayninga. Itogi 2024 goda // RBK-Kripto. — URL:www.rbc.ru/crypto/news/676fa4649a79471e89e0643c (data obrascheniya: 24.03-27.03.2025).
5. Kriptovalyuty v Rossii / Tadviser. — URL: www.tadviser.ru/index.php/Stat'ya:Kriptovalyuty_v_Rossii(data obrascheniya: 24.03-27.03.2025).
6. Kriptovalyuty v Rossii i mire: rost interesa i izmeneniya v regulirovanii // Habr. — URL: habr.com/ru/companies/finam_broker/news/913660/ (data obrascheniya: 24.03-27.03.2025).
7. Krylova, L. V. Kriptovalyuty vs cifrovye valyuty central'nyh bankov: rol' finansovoy gramotnosti naseleniya / L. V. Krylova, I. V. Lukashenko // Finansy: teoriya i praktika. — 2022. — T. 26, № 5.
8. Mel'nikov, R. M. Vliyanie urovnya finansovoy gramotnosti na vybor finansovyh instrumentov chastnymi investorami v rossiyskih usloviyah / R. M. Mel'nikov // Finansy: teoriya i praktika. — 2024.
9. Osnovnye napravleniya razvitiya finansovogo rynka Rossiyskoy Federacii na 2025 god i period 2026 i 2027 godov // Central'nyy bank Rossiyskoy Federacii.
10. Preimuschestva otkrytiya scheta v OAE // Ybcase. — URL: ybcase.com/company-services/bank-accounts/otkryt-scet-v-oae-v-2025-godu (data obrascheniya: 24.03-27.03.2025).
11. Registraciya kriptokompaniy v OAE // Lawrange. — URL: lawrange.net/services/registraciya-kripto-kompanii-v-oae/ (data obrascheniya: 24.03-27.03.2025).
12. Sannikova, L. V. Faktory riska ispol'zovaniya kriptoaktivov v Rossii i potencial dlya ih snizheniya /L. V. Sannikova // Finansovyy zhurnal. — 2022. — T. 14, № 6. — S. 124-140.
13. Central'nyy bank Rossiyskoy Federacii. — URL: cbr.ru/ (data obrascheniya: 24.03-27.03.2025).
14. Atomize: pervaya platforma cifrovyh finansovyh aktivov. — URL: atomyze.ru/about?order=-createdAt&status=published&ysclid=mc567dhxwq43832073 (data obrascheniya: 24.03-27.03.2025).
15. Bitcoin.com. — URL: www.bitcoin.com/ru/exchanges/united-arab-emirates/ (date of the application: 24.03-27.03.2025).
16. Guru99. — URL: guru99.blog/cgi-sys/suspendedpage.cgi (date of the application: 24.03-27.03.2025).
17. Simple Earn // Binance Savings. — URL: www.binance.com/en/savings?demandId=EPS001 (date of the application: 24.03-27.03.2025).
18. The 2024 Global Adoption Index: Central & Southern Asia and Oceania (CSAO) Region Leads the World in Terms of Global Cryptocurrency Adoption // Chainalysis.
19. Virtual Assets Regulatory Authority. — URL: www.vara.ae/ (date of the application: 24.03-27.03.2025).