????????????? ???????? — ??? ???????? ? ??????????? ?????????. ??? ???????? ???, ??? ?????? ??????????? ? ?????? ?????????? ??????. ?????? ?????? ? ?????? ?????? ?????????? — ??? ??????, ??? ?? ????????? ????? ????????, ???????? ??????????? ??? ?????????.Given that the financial institution maintains the ledger, they are going to do the verific