Yandex.Money financial trap

Hello, Habr! I would like to share with you one feature of Yandex.Money that looks like a trap for your money and, in my opinion, is a good example of an ill-conceived UX. I would like to believe that this was not done on purpose, but this small article will somehow protect a part of the audience of the Habr (from near abroad) from this trap or somehow push Yandex to improve this moment.

So essentially. Yesterday I registered for Yandex.Money for the first time, immediately transferred money from my card there, for this reason (!!!) it was not necessary to indicate my data. Then I tried to make a money transfer and then I realized that I couldn’t do this, since it was necessary to specify the passport data. The problem was that I am not a Russian citizen and live in Lithuania, identification methods do not imply a quick and relatively inexpensive solution to the problem, because the nearest city where this can be done is Riga (Latvia). And, finally, the final ambush is that I also can’t return the money to my own card (with which the recharge was made), since I need to go through identification. Vicious circle.

I wrote to the support service (indicating my wallet 410019574392204), described the situation and asked how I can return my funds to the same card with which I was credited, for which I was advised to be identified:

Hello.

You have an anonymous Yandex.Money wallet - you did not tell us your passport details.

There are restrictions for such wallets: you can only pay to Russian stores, you cannot send and receive transfers, the limit for one operation is 15,000 rubles.

What can be done:

- If you have a passport of a citizen of the Russian Federation and you have enough limit of 60 thousand rubles for payment, fill out the online application: https://money.yandex.ru/id/light

- If you have another citizenship or need a larger limit - go through the identification: https://money.yandex.ru/id/methods

It recalls a joke about Sherlock Holmes, Dr. Watson and the mathematician : a perfectly true, but completely useless answer. On the other hand, the answer reveals the paradox of the situation in all its glory, as it says that for anonymous wallets "you can’t send and receive transfers." This is wonderful, but why not prohibit replenishing the wallet from the card in the same way until the user is authenticated in order to exclude things like my situation? What is the point of replenishing a wallet without identification if all subsequent actions require identification?

As a result: the money is frozen (not so much what amount, but still unpleasant), and a return is not expected until the identification has been passed. It would probably be easier now to report the theft (or failure to provide a service) and rollback of the replenishment transaction, you should consult your banking operator. Nevertheless, the situation seems absurd to me.

UPD: On the advice of Gurturok, I went to pay for services -> a mobile phone and transferred all the money to a friend in the Russian Federation on the phone. I do not really understand this logic, why you can pay for services without identification, but not the point, the money has been withdrawn.

UPD2: Who does not want to read all the comments, the law prohibits the transfer of money without identification, but does not prohibit paying for services in the territory of the Russian Federation. That is why the wallet allows you to replenish through the card. I think warnings like “Replenishing an anonymous wallet, you can pay with it only for services in the territory of the Russian Federation” would be more than enough to make the experience of use pleasant for all users.

UPD3: In the comments, I raised another question regarding ease of identification. In two European payment systems, I went through online identification through a mobile application, the process in details was slightly different between them, but in fact, I had to take a photo of my passport, then spin the video in front of the camera with the passport myself. To which I was quite right in the comments that it was convenient for Russians to pass identification in Russian systems, Europeans in European ones. All this is true, but for me, as a resident of Lithuania, Ya.D. is Riga (300 km from me). Riga is Latvia, Latvia is the EU. If Ya.D. There is a trustee in the EU, why not make the establishment of trusting relations between EU entities as simple as that of direct competitors Y.D. (by the way, one of them goes to Russia and Y.D. should think about it)? POISON. trusts a certain person in the EU, we inside the EU go through a simplified identification with that person and thus Ya.D. trusts us EU citizens. Why create proxies in Estonia, in Latvia that I need to go to, give them my passport data, which I know nothing about, except a phone number when one proxy in the EU is enough that follows the EU laws on storage and processing personal data, and the same simplified procedure that direct competitors use?