[PedroBatista]

Credit exists when you’re able to pay it.

[rchaud]

It also exists if you can obscure the risk and shift it to somebody else. See mortgage backed securities in the US in the run up to the 2008 crisis.

[ben-gy]

And when you are not blacklist

[throwoutway]

The Yandex filing spends a significant amount of text reiterating they’re not on a blacklist though