Мультивалютность и конвертация

Global iGaming операторы поддерживают 20+ валют. FX management — критический компонент архитектуры.

Wallet models

Single-currency wallet: player выбирает currency при registration, все транзакции в ней. Multi-currency: несколько балансов на аккаунт. Base currency + display: internal accounting в EUR, UI в player's local. DCC (Dynamic Currency Conversion) на payment step.

FX rates

Источники: banks, Bloomberg, XE, OpenExchangeRates. Update frequency: real-time для major pairs, hourly для minor. Spread: 0.5–3% markup — часть revenue. Rate lock-in: fix rate on quote, honor for N seconds/minutes. Hedging: forwards для treasury management.

Compliance

Anti-abuse: prevent FX arbitrage через account operations. Restrict frequent currency changes. Reporting: transactions в base currency для tax/regulatory. Sanctions: no transactions в currencies запрещённых стран. Audit: FX gains/losses tracking.

Techical implementation

Decimal precision: minimum 4 digits для accuracy. Rounding rules: consistent (banker's rounding). Currency codes: ISO 4217 (EUR, USD, JPY). Storage: BIGINT в minor units (cents) избегает float errors. Regular reconciliation FX vs actual conversions.