"Fintech Ethics" course
"Fintech Ethics" is OurExchangeClub's educational program created to convey simple, practical and applicable knowledge about fintech, crypto assets, blockchain technology, Web3 and digital finance.
As in the rest of the world, the crypto asset sector in Armenia has entered a new stage of regulation. With the adoption of the Armenian law "On Crypto Assets" and related legislative changes, a new environment is taking shape where market transparency, protection of customers' interests, proper risk assessment and responsible interaction with the financial system all matter.
Amid these changes, knowledge about crypto assets is necessary not only for investors or industry participants. It is also important for banks, financial institutions, notaries, lawyers, accountants, businesses, students, entrepreneurs and all professionals whose work may involve digital assets, blockchain transactions, the origin of funds, customer identification, anti-money laundering and counter-terrorist financing risks, sanctions screening, or digital evidence.
The course was authored by innovative industry entrepreneur, OurExchangeClub co-founder, co-founder and board member of the "Union of Crypto Entrepreneurs" NGO, and business speaker Avetis Varosyan.
The program already has more than 1,500 graduates and has been delivered in Yerevan, the Gyumri branch of ASUE, the Ijevan branch of YSU, Gavar State University, Goris State University, and the educational complex of the RA Ministry of Internal Affairs.
"Fintech Ethics" was shaped by years of practical experience, applicable examples, changes in financial markets, and knowledge accumulated in the crypto asset industry.
"Fintech Ethics 1-3" is designed for several key groups.
For beginners and the curious If you want to understand what a crypto asset is, how blockchain works, what a crypto wallet is, what stablecoins are, what risks exist, and how to approach digital assets safely, this course gives you the necessary foundation, without complex professional jargon.
For businesses and entrepreneurs The course is useful for companies and entrepreneurs who want to understand the use of digital assets, the opportunities offered by Web3, new payment solutions, the logic of international transfers, and the risks related to crypto assets in business processes.
For notaries and legal professionals
The "Fintech Ethics 4: Crypto Assets in Notarial Practice" course is designed for notaries and legal professionals who may encounter situations in their work where a transaction's source of funding originates from the sale of crypto assets, a party presents blockchain transaction data, an estate includes crypto wallets or digital assets, or a power of attorney concerns the management of crypto assets.
This program helps in understanding the legal, transactional, evidentiary and money-laundering risks of crypto assets, particularly in the context of real estate transactions, inheritance, powers of attorney, company shares, beneficial ownership disclosure, and the assessment of the origin of funds.
For banks and financial institutions
The "Fintech Ethics 5: From the Crypto World to the New Banking Reality" program is designed for customer service, branch network, corporate and retail banking, anti-money laundering and counter-terrorist financing, compliance, risk management, legal, internal control, audit, transaction monitoring, payment card and digital services departments.
The program's goal is to help financial institution staff distinguish ordinary digital transactions from high-risk or suspicious behavior, understand the logic of blockchain transactions, assess customer risk related to the crypto sector, and correctly navigate the requirements for customer identification, anti-money laundering and counter-terrorist financing, sanctions screening, and the transfer rule.
Course topics may vary depending on the audience and format, but the main areas covered include:
The development of fintech, Web3 and digital finance
Fundamentals of blockchain technology
Types of crypto assets: cryptocurrencies, tokens, stablecoins, NFTs and tokenized assets
Smart contracts, DeFi and decentralized finance
Crypto wallets, private keys, custody and proof of wallet ownership
Business models of virtual/crypto asset service providers (VASP / CASP)
Armenia's new legislative regulations and Central Bank oversight requirements
Customer identification (KYC), anti-money laundering and counter-terrorist financing (AML/CFT), sanctions screening and the "Travel Rule" requirement
Warning signs of suspicious transactions
Customer risk assessment
Stablecoin use cases and their role in payment infrastructure
Discussion of practical cases and situational analysis
Fintech Ethics is an accelerated, practical, and applied course. The program is built so participants gain not only theory, but also the ability to apply knowledge in real situations — at work, in business, or in personal decisions.
For corporate groups, the course can be organized privately based on the organization's needs, participants' professional focus, and the required depth. For banks, financial organizations, and professional institutions, a thematic program is available that also includes practical discussions, case studies, a final assignment, and participation certificates.