#remittances
remittances
Просмотров: 10,840
107 обсуждают
Популярные
Новые
Two remittance startups can launch on the same corridor with near-identical fees and still have completely different odds of survival.
That’s the trap for investors: a familiar route and cheap pricing can look like proof of traction, while the real risks stay hidden. By the time weak liquidity, compliance delays, or poor customer acquisition show up, the market may already be pricing in success.
On day one, compare the details beyond the headline. Are both operating in the same jurisdictions? Do they have reliable liquidity on both sides of the transfer? Can they handle volume without widening spreads or depending on a single partner?
For crypto-based remittances, $USDC , $XRP , or $XLM may make settlement faster, but the token alone does not create a durable business. If fees are near-identical, the edge usually comes from distribution, compliance execution, local payout access, and retention. Those are much harder to see in an early launch announcement.
What would you check first before deciding which startup has the stronger moat?
#Remittances #CryptoPayments #OnChainAnalysis
That’s the trap for investors: a familiar route and cheap pricing can look like proof of traction, while the real risks stay hidden. By the time weak liquidity, compliance delays, or poor customer acquisition show up, the market may already be pricing in success.
On day one, compare the details beyond the headline. Are both operating in the same jurisdictions? Do they have reliable liquidity on both sides of the transfer? Can they handle volume without widening spreads or depending on a single partner?
For crypto-based remittances, $USDC , $XRP , or $XLM may make settlement faster, but the token alone does not create a durable business. If fees are near-identical, the edge usually comes from distribution, compliance execution, local payout access, and retention. Those are much harder to see in an early launch announcement.
What would you check first before deciding which startup has the stronger moat?
#Remittances #CryptoPayments #OnChainAnalysis
Everyone thinks the lowest-fee remittance app wins, but actually, identical pricing can hide very different risks.
Crypto traders often compare fees, rush into the first product that looks cheap, and only later discover weak liquidity, slow settlement, or no real advantage. A low fee does not automatically mean a better exit or a safer transfer.
1) Two remittance startups launch on the same corridor. 2) They operate in the same jurisdictions. 3) Their fees are nearly identical. On day one, they can look impossible to distinguish.
That is where the mistake begins. If both companies rely on the same rails, including assets such as $USDC , $USDT, or $XRP , the real difference may come from liquidity, compliance, settlement speed, and user retention. Fees are the price tag, not the whole product.
Would you choose based on fees alone, or wait to see which startup proves its edge?
#Crypto #Remittances #Payments
Crypto traders often compare fees, rush into the first product that looks cheap, and only later discover weak liquidity, slow settlement, or no real advantage. A low fee does not automatically mean a better exit or a safer transfer.
1) Two remittance startups launch on the same corridor. 2) They operate in the same jurisdictions. 3) Their fees are nearly identical. On day one, they can look impossible to distinguish.
That is where the mistake begins. If both companies rely on the same rails, including assets such as $USDC , $USDT, or $XRP , the real difference may come from liquidity, compliance, settlement speed, and user retention. Fees are the price tag, not the whole product.
Would you choose based on fees alone, or wait to see which startup proves its edge?
#Crypto #Remittances #Payments
Проверено
Why is a South Korean regional bank turning to Ripple's payment technology? Jeonbuk Bank is deploying Ripple Payments for cross-border remittances, becoming the first regional bank in the country to do so. The service targets businesses like import-export companies, IT startups, and online content creators. Traditional transfers can take days as payments move through multiple intermediary banks, while Ripple's network settles in seconds or minutes and operates around the clock. The bank's president said the partnership helps Jeonbuk move beyond its regional role and become a global-standard digital finance leader. This deal follows two other Ripple collaborations in South Korea this year, including a tokenized government bond project with Kyobo Life Insurance and a cross-border transfer proof of concept with KBank. RLUSD is reportedly now listed on the country's four largest crypto exchanges. $XRP #XRP #Ripple #Crypto #Remittances
If you’re still judging crypto payments only by “lower fees,” stop now.
That’s how traders FOMO into the obvious headline and miss the real rotation. Remittances dropping from 5-7% to 1-2% sounds great, but markets rarely price just the fee cut.
The bigger question is who captures the $830B cross-border payments narrative. $BTC has the brand and liquidity, but it’s not exactly built for your auntie sending rent money home on a Tuesday. That’s where projects like $XRP and $XLM have been fighting for years, selling speed, settlement, and institutional rails instead of digital gold vibes.
We’ve seen this before: narratives start with “cheaper and faster,” then the market decides whether it’s infrastructure, speculation, or just another recycled payments pitch in a nicer suit. The fee story is cute. The adoption story is where it gets expensive.
So is the remittance narrative actually coming back, or are traders just reheating an old $XRP vs $XLM debate with a $BTC headline on top?
#CryptoPayments #Bitcoin #Remittances
That’s how traders FOMO into the obvious headline and miss the real rotation. Remittances dropping from 5-7% to 1-2% sounds great, but markets rarely price just the fee cut.
The bigger question is who captures the $830B cross-border payments narrative. $BTC has the brand and liquidity, but it’s not exactly built for your auntie sending rent money home on a Tuesday. That’s where projects like $XRP and $XLM have been fighting for years, selling speed, settlement, and institutional rails instead of digital gold vibes.
We’ve seen this before: narratives start with “cheaper and faster,” then the market decides whether it’s infrastructure, speculation, or just another recycled payments pitch in a nicer suit. The fee story is cute. The adoption story is where it gets expensive.
So is the remittance narrative actually coming back, or are traders just reheating an old $XRP vs $XLM debate with a $BTC headline on top?
#CryptoPayments #Bitcoin #Remittances
Here’s what happened when the market reduced a $830B $BTC story to one simple talking point: “remittance fees are dropping.”
For traders, this is where the trap starts. You hear fees going from 5-7% to 1-2%, FOMO into the obvious narrative, and miss the bigger question: who actually captures that value?
The case study isn’t just “Bitcoin makes transfers cheaper.” We’ve seen this before with $XRP and $XLM , where the pitch was fast, low-cost cross-border payments. The tech solved part of the problem, but adoption depended on liquidity, regulation, banking rails, and whether real users had a reason to switch.
With $BTC , the comparison is different. It’s not competing only as a payment rail. It’s also a store-of-value asset sitting in an $830B market, which means the remittance angle may be the surface story while the deeper story is trust, settlement, and access to money outside traditional systems.
The lesson: cheaper fees matter, but narratives can oversimplify markets. The winners are usually the projects that turn a good use case into real distribution, not just a better percentage on a chart.
What’s your take on the remittance narrative for $BTC versus payment-focused coins? #Bitcoin #Crypto #Remittances
For traders, this is where the trap starts. You hear fees going from 5-7% to 1-2%, FOMO into the obvious narrative, and miss the bigger question: who actually captures that value?
The case study isn’t just “Bitcoin makes transfers cheaper.” We’ve seen this before with $XRP and $XLM , where the pitch was fast, low-cost cross-border payments. The tech solved part of the problem, but adoption depended on liquidity, regulation, banking rails, and whether real users had a reason to switch.
With $BTC , the comparison is different. It’s not competing only as a payment rail. It’s also a store-of-value asset sitting in an $830B market, which means the remittance angle may be the surface story while the deeper story is trust, settlement, and access to money outside traditional systems.
The lesson: cheaper fees matter, but narratives can oversimplify markets. The winners are usually the projects that turn a good use case into real distribution, not just a better percentage on a chart.
What’s your take on the remittance narrative for $BTC versus payment-focused coins? #Bitcoin #Crypto #Remittances
If you’re still ignoring real transaction volume, stop now.
Crypto traders love chasing narratives after the pump, then wonder why they bought the top. Remittances are one of those boring use cases that quietly matter until the numbers get too big to ignore.
1.2M transactions a day changes the conversation. That’s not “someday adoption” talk, that’s rails being used while half the market is arguing over candles.
We’ve seen this before: $XRP built its entire thesis around cross-border payments, $XLM pushed the same mission with a different flavor, and stablecoins like $USDT already proved people will choose speed and access when banks move like it’s 1998.
The question is whether 1.2M daily transactions is a signal of real remittance demand growing on-chain, or just another metric traders will overhype before the market cools off. Where do you think this goes from here?
#Crypto #Remittances #Blockchain
Crypto traders love chasing narratives after the pump, then wonder why they bought the top. Remittances are one of those boring use cases that quietly matter until the numbers get too big to ignore.
1.2M transactions a day changes the conversation. That’s not “someday adoption” talk, that’s rails being used while half the market is arguing over candles.
We’ve seen this before: $XRP built its entire thesis around cross-border payments, $XLM pushed the same mission with a different flavor, and stablecoins like $USDT already proved people will choose speed and access when banks move like it’s 1998.
The question is whether 1.2M daily transactions is a signal of real remittance demand growing on-chain, or just another metric traders will overhype before the market cools off. Where do you think this goes from here?
#Crypto #Remittances #Blockchain
After 5 years on Stellar alone, MoneyGram just launched its remittance ramp on a second blockchain today.
The bull case for $XLM : this isn't a breakup. MoneyGram and Stellar extended their partnership in April for multiple more years, MGUSD (MoneyGram's own dollar stablecoin) launched on Stellar in June, and the integration now spans 180+ countries and 500,000+ cash locations. Stellar remains the deepest, most-established leg of MoneyGram's stack.
The bear case: today MoneyGram Ramps went live on Solana too, with Rift as the first wallet integration — on top of MoneyGram becoming an active Solana validator back in June. That's a real diversification signal. Stellar's moat here was being MoneyGram's only chain; it no longer is.
Our read: this looks like MoneyGram building redundancy and reach, not replacing Stellar — remittance infrastructure benefits from multiple rails, and Stellar's deeper, older integration (180+ countries vs. Solana's fresh launch) is hard to displace quickly. Falsifiable — if MoneyGram's stablecoin volume or new country rollouts start favoring Solana over the next two quarters, that's real share loss for Stellar. If Stellar keeps getting the bulk of new MoneyGram integrations, this was additive.
Not financial advice. DYOR.
#Stellar #MoneyGram #Remittances #CryptoAnalysis
The bull case for $XLM : this isn't a breakup. MoneyGram and Stellar extended their partnership in April for multiple more years, MGUSD (MoneyGram's own dollar stablecoin) launched on Stellar in June, and the integration now spans 180+ countries and 500,000+ cash locations. Stellar remains the deepest, most-established leg of MoneyGram's stack.
The bear case: today MoneyGram Ramps went live on Solana too, with Rift as the first wallet integration — on top of MoneyGram becoming an active Solana validator back in June. That's a real diversification signal. Stellar's moat here was being MoneyGram's only chain; it no longer is.
Our read: this looks like MoneyGram building redundancy and reach, not replacing Stellar — remittance infrastructure benefits from multiple rails, and Stellar's deeper, older integration (180+ countries vs. Solana's fresh launch) is hard to displace quickly. Falsifiable — if MoneyGram's stablecoin volume or new country rollouts start favoring Solana over the next two quarters, that's real share loss for Stellar. If Stellar keeps getting the bulk of new MoneyGram integrations, this was additive.
Not financial advice. DYOR.
#Stellar #MoneyGram #Remittances #CryptoAnalysis
En Afrique subsaharienne, les transferts d'argent depuis la diaspora
représentent plus de 50 milliards de dollars par an.
Et Western Union, MoneyGram, les banques correspondantes
en prélèvent entre 6 et 12% au passage.
Ce sont des milliards volés aux familles. Légalement.
La crypto, et notamment les stablecoins sur Lightning ou Stellar,
ramènent ces frais à moins de 0,1%.
Ce n'est pas de la technologie pour la technologie.
C'est de l'argent rendu à ceux à qui il appartient.
GoldenBridge éduque sur ces usages parce qu'ils comptent vraiment.
#Remittances
#AfriqueFintech
#Stablecoins
#InclusionFinancière
représentent plus de 50 milliards de dollars par an.
Et Western Union, MoneyGram, les banques correspondantes
en prélèvent entre 6 et 12% au passage.
Ce sont des milliards volés aux familles. Légalement.
La crypto, et notamment les stablecoins sur Lightning ou Stellar,
ramènent ces frais à moins de 0,1%.
Ce n'est pas de la technologie pour la technologie.
C'est de l'argent rendu à ceux à qui il appartient.
GoldenBridge éduque sur ces usages parce qu'ils comptent vraiment.
#Remittances
#AfriqueFintech
#Stablecoins
#InclusionFinancière
Remittances just got a major upgrade with $XRP . Bitso, a major crypto exchange, is bringing a new stablecoin called MXNB to the XRP Ledger. This stablecoin is backed by the Mexican peso, meaning one MXNB will always be worth one Mexican peso. This partnership with Ripple aims to make sending money between the US and Mexico much faster and cheaper, especially for large institutions. It's all about making cross-border payments more efficient globally. This move highlights the growing adoption of stablecoins for real-world use cases, particularly in countries with large remittance flows. It shows that crypto isn't just about trading; it's providing tangible solutions for everyday financial challenges. We could see more similar partnerships in other regions. This could make $XRP a key player in global remittances. What do you think? Keep an eye on $STG , today's top gainer at +46.13%! #Stablecoins #XRPL #Remittances
People underestimate TRON because it is not flashy. It does not have NFT hype or meme coin mania. What it has is utility that actually matters. Cross-border remittances cost fractions of a cent on TRON. Compare that to Western Union charging 7-10 percent. For someone sending 200 dollars home to their family, that difference is life-changing. TRON is financial inclusion without the marketing budget. The network processes over 2 billion dollars in daily USDT transfers. That volume speaks louder than any Twitter thread. Real adoption is quiet but relentless. #TRON #Remittances
#news $BTC Pakistan may soon remove the Rs 5 million cap on foreign currency transfers received through banks. If this move gets approved, funds sent through formal banking channels could stay outside routine FBR questioning under Section 111(4).
From my view, this is a positive signal for overseas Pakistanis and for the banking sector. It can help bring more remittance flows into official channels, improve trust in the system, and make cross-border transfers more convinent for many families and investors.
A stronger banking route for incoming funds may also support foreign exchange reserves over time. The real impact will depend on the final policy details, but the direction looks encouraging.
I will be watching closely to see how the goverment structures the final framework and what it means for future capital inflows into Pakistan.
#crypto #Remittances #FBR #Banking #Economy #Finance #Investment
From my view, this is a positive signal for overseas Pakistanis and for the banking sector. It can help bring more remittance flows into official channels, improve trust in the system, and make cross-border transfers more convinent for many families and investors.
A stronger banking route for incoming funds may also support foreign exchange reserves over time. The real impact will depend on the final policy details, but the direction looks encouraging.
I will be watching closely to see how the goverment structures the final framework and what it means for future capital inflows into Pakistan.
#crypto #Remittances #FBR #Banking #Economy #Finance #Investment
The @trondao gas-free stablecoin transfer feature is revolutionary. Imagine sending USDT without paying any gas fee at all. That is what is being tested on TRON. This removes the last barrier to mainstream adoption. When sending money costs nothing, there is no reason not to use blockchain. The traditional remittance industry charges 7-10 percent. TRON makes it free. This is not incremental improvement. This is disruption. @trondao @justinsun @tether_to #GasFree #Stablecoins #Remittances
TRON'S CROSS-BORDER PAYMENT RAILS: CONNECTING THE WORLD 💸
Cross-border payments are one of blockchain's most compelling use cases, and TRON has become the leading network for international transfers.
Traditional cross-border transfers take 3-5 days and cost 5-10% in fees. TRON transfers settle in 3 seconds for less than $0.01.
For the 280 million migrants worldwide sending money home, TRON offers a lifeline.
As global commerce digitalizes, TRON's cross-border infrastructure becomes increasingly valuable.
@TRON DAO
#TRONEcoStar #CrossBorder #Remittances
Cross-border payments are one of blockchain's most compelling use cases, and TRON has become the leading network for international transfers.
Traditional cross-border transfers take 3-5 days and cost 5-10% in fees. TRON transfers settle in 3 seconds for less than $0.01.
For the 280 million migrants worldwide sending money home, TRON offers a lifeline.
As global commerce digitalizes, TRON's cross-border infrastructure becomes increasingly valuable.
@TRON DAO
#TRONEcoStar #CrossBorder #Remittances
🚨 JUST IN: South Korea keeps getting more serious about crypto infrastructure.
Toss Bank, managing over 30 trillion won in assets and serving 15 million users, has partnered with $SOL to explore blockchain-powered remittances, including stablecoin transfers.
This is a bigger deal than many people realize.
For years, crypto has talked about replacing slow and expensive cross-border payments. Now we're seeing established financial institutions actually testing that idea with real users, not just crypto natives.
Toss becomes the first internet-only bank in South Korea and only the second Korean financial institution to partner with Solana. If successful, this could help make international transfers faster, cheaper, and available around the clock.
The market loves to focus on memes and hype, but adoption stories like this are what really matter in the long run.
👀 Another step toward blockchain moving from speculation to real-world utility.
#Crypto #Stablecoins #Blockchain #Remittances #Web3
Toss Bank, managing over 30 trillion won in assets and serving 15 million users, has partnered with $SOL to explore blockchain-powered remittances, including stablecoin transfers.
This is a bigger deal than many people realize.
For years, crypto has talked about replacing slow and expensive cross-border payments. Now we're seeing established financial institutions actually testing that idea with real users, not just crypto natives.
Toss becomes the first internet-only bank in South Korea and only the second Korean financial institution to partner with Solana. If successful, this could help make international transfers faster, cheaper, and available around the clock.
The market loves to focus on memes and hype, but adoption stories like this are what really matter in the long run.
👀 Another step toward blockchain moving from speculation to real-world utility.
#Crypto #Stablecoins #Blockchain #Remittances #Web3
MoneyGram just plugged 60 million customers and 500,000 cash locations into Solana — and $SOL still doesn't directly benefit from a single dollar that moves through it.
The news: MoneyGram's "Ramps" API went live on Solana around August 10-12, letting people deposit cash in 25+ countries and withdraw cash in 170+ countries/territories straight from a Solana wallet. Rift became the first wallet to integrate it. This is a shipped, working cash-to-crypto bridge, not a partnership announcement or an MOU.
The catch: what moves across that rail is stablecoins, not SOL. Solana is the settlement layer underneath — fast, cheap block space — but customers are converting cash to USDC, not buying SOL. The token's role is infrastructure, not the product, and Solana already has several competing ramp partners, so this is additive, not exclusive.
SOL broke back above $75 resistance around August 15, helped by roughly $8.8M in ETF inflows and short-covering — separate from this integration, worth not conflating with it.
Our read: a real, durable proof point for Solana as cross-border settlement rail — genuinely useful for remittances and payroll-in-crypto. It's a win for network relevance, not a direct SOL demand shock. Falsifiable: watch whether MoneyGram's stablecoin volume on Solana shows up on-chain, and whether that lifts real SOL fee/activity.
Does infrastructure adoption ever actually move the token, or is this the same gap we keep seeing?
Not financial advice. DYOR.
$SOL #Solana #MoneyGram #CryptoAdoption #Remittances
The news: MoneyGram's "Ramps" API went live on Solana around August 10-12, letting people deposit cash in 25+ countries and withdraw cash in 170+ countries/territories straight from a Solana wallet. Rift became the first wallet to integrate it. This is a shipped, working cash-to-crypto bridge, not a partnership announcement or an MOU.
The catch: what moves across that rail is stablecoins, not SOL. Solana is the settlement layer underneath — fast, cheap block space — but customers are converting cash to USDC, not buying SOL. The token's role is infrastructure, not the product, and Solana already has several competing ramp partners, so this is additive, not exclusive.
SOL broke back above $75 resistance around August 15, helped by roughly $8.8M in ETF inflows and short-covering — separate from this integration, worth not conflating with it.
Our read: a real, durable proof point for Solana as cross-border settlement rail — genuinely useful for remittances and payroll-in-crypto. It's a win for network relevance, not a direct SOL demand shock. Falsifiable: watch whether MoneyGram's stablecoin volume on Solana shows up on-chain, and whether that lifts real SOL fee/activity.
Does infrastructure adoption ever actually move the token, or is this the same gap we keep seeing?
Not financial advice. DYOR.
$SOL #Solana #MoneyGram #CryptoAdoption #Remittances
¡WhatsApp activa pagos cripto en América Latina! ⚡️📱
Hito total para la adopción en nuestra región. WhatsApp se está convirtiendo oficialmente en una interfaz de pagos con criptomonedas en Latam, permitiendo a los usuarios enviar y recibir activos digitales y stablecoins (como $USDT ) de forma directa dentro de sus chats. Este movimiento promete revolucionar el mercado de remesas y la inclusión financiera de millones de personas sin acceso a la banca tradicional. 🚀💸
✅ La ventaja: Envíos transfronterizos instantáneos, sin fricciones técnicas y con tarifas microscópicas. ✅ El impacto:La Web3 se vuelve masiva al integrarse en la aplicación más usada del continente.
¿Ya tienes configurada tu billetera digital en @Binance para conectar con las nuevas economías de mensajería? 📊
#WhatsApp #Stablecoins #Remittances #LatinAmerica #Binance $BTC $ETH
Hito total para la adopción en nuestra región. WhatsApp se está convirtiendo oficialmente en una interfaz de pagos con criptomonedas en Latam, permitiendo a los usuarios enviar y recibir activos digitales y stablecoins (como $USDT ) de forma directa dentro de sus chats. Este movimiento promete revolucionar el mercado de remesas y la inclusión financiera de millones de personas sin acceso a la banca tradicional. 🚀💸
✅ La ventaja: Envíos transfronterizos instantáneos, sin fricciones técnicas y con tarifas microscópicas. ✅ El impacto:La Web3 se vuelve masiva al integrarse en la aplicación más usada del continente.
¿Ya tienes configurada tu billetera digital en @Binance para conectar con las nuevas economías de mensajería? 📊
#WhatsApp #Stablecoins #Remittances #LatinAmerica #Binance $BTC $ETH
🚨 $USDC REMITTANCE DATA FLIPS THE SCRIPT: GAS FEES WEREN'T THE ENEMY ALL ALONG 📊
Bank of Italy ran 200 real $USDC transfers across 10 corridors — and the results just dismantled the lazy narrative. Total costs swung from 0.3% to nearly 9% depending on the route, while blockchain fees were barely a rounding error. 🩸 The real spread-killer? Fiat conversion at the exit ramp.
Even settlement speed stayed hostage to old rails: under 20 minutes where local payment systems were instant, but one to two business days where banking infrastructure drags. 📊 The chain moves fast — the last mile still crawls.
Here's the alpha take: the study says stablecoins get genuinely dangerous when recipients can spend them directly on rent, school fees, or groceries without cashing back to fiat. Until that unlocks, the conversion toll owns your margin. 💬 Which country opens that door first? 👇
⚠️ Not financial advice. Always manage your risk. 🛡️
🏷️ #USDC #Stablecoins #Remittances #CryptoAdoption #OnChain
📊 💡
Bank of Italy ran 200 real $USDC transfers across 10 corridors — and the results just dismantled the lazy narrative. Total costs swung from 0.3% to nearly 9% depending on the route, while blockchain fees were barely a rounding error. 🩸 The real spread-killer? Fiat conversion at the exit ramp.
Even settlement speed stayed hostage to old rails: under 20 minutes where local payment systems were instant, but one to two business days where banking infrastructure drags. 📊 The chain moves fast — the last mile still crawls.
Here's the alpha take: the study says stablecoins get genuinely dangerous when recipients can spend them directly on rent, school fees, or groceries without cashing back to fiat. Until that unlocks, the conversion toll owns your margin. 💬 Which country opens that door first? 👇
⚠️ Not financial advice. Always manage your risk. 🛡️
🏷️ #USDC #Stablecoins #Remittances #CryptoAdoption #OnChain
📊 💡
🌍 El Salvador's Crypto Remittances Continue to Grow
El Salvador received $35.4 million in cryptocurrency remittances during the first half of 2026, reflecting a 39.1% year-over-year increase compared to the same period in 2025.
While crypto transfers accounted for just 0.7% of the country's $5 billion in total overseas remittances, the steady growth highlights increasing adoption of digital assets for cross-border payments.
$EUR
$SOL
As blockchain-based remittances become faster and more accessible, El Salvador continues to serve as a key example of how cryptocurrencies are being integrated into everyday financial activity.
#Bitcoin #crypto #ElSalvador #Remittances #GoldRises
El Salvador received $35.4 million in cryptocurrency remittances during the first half of 2026, reflecting a 39.1% year-over-year increase compared to the same period in 2025.
While crypto transfers accounted for just 0.7% of the country's $5 billion in total overseas remittances, the steady growth highlights increasing adoption of digital assets for cross-border payments.
$EUR
$SOL
As blockchain-based remittances become faster and more accessible, El Salvador continues to serve as a key example of how cryptocurrencies are being integrated into everyday financial activity.
#Bitcoin #crypto #ElSalvador #Remittances #GoldRises
Войдите, чтобы посмотреть больше материала