Also with a free interac e-transfer I don't have to go into my branch which is super convenient. I opted to try Bitbuy over Kraken using an interac e-tranfer which went through within 12 hours. Deposited $200 and received $196.55 in my account. I will say volume is lower than Kraken so the trade price is higher...usually around $30 per BTC more. However that fluctuates and the ease of fiat to crypto gateway was worth it IMO Kraken vs Bitbuy The below Kraken vs Bitbuy table shows how Kraken and Bitbuy differ with respect to trading fees, withdrawal fees, deposit methods, supported cryptos, trading types, user scores and more. The information is updated on a monthly basis Bitbuy fees 1.5% for etransfers, 0.5% for wire transfer. The spread is meh but you can get the right price if you're patient. Withdrawal crypto fee is FLAT (0.00025 BTC which is about 12$) so the more you withdraw the better. Withdrawal cash is 1.5% fe
The NowFuture comparison tool let's you compare 11 Canadian crypto exchanges and find the best crypto exchange in Canada. 11 crypto exchanges were analyzed including: Newton, Kraken, Shakepay, Coinbase, Binance, NDAX, Netcoins, Wealthsimple Crypto, Bitbuy, Coinsquare, and Coinberry. You can compare the true fees, find the cheapest places to buy Bitcoin, look at features side by side, and much more. This research was used to publish the final 2021 ranking The best cryptocurrency exchange in Canada is Bitbuy. The platform lets you buy, sell, or trade Bitcoin, Bitcoin Cash, Ethereum, Litecoin, Ripple, Stellar, and EOS with fiat or cryptocurrencies. You can choose to pay via Interac eTransfer, Flexpin voucher, or bank wire. Bitbuy has some of the most competitive fees in the industry. It's suitable for both beginners and advanced traders as long as you choose between the Express and Pro Trade interface. Recently, the exchange has launched a. The high fee is one of the reasons many users shift from Coinbase to other exchanges such as Binance or Kraken after a while. Bitbuy has a relatively low trading fee when compared to Coinbase. If you live in Canada and are not willing to pay a lot of gas money, Bitbuy may be the best choice for you. Winner: Bitbuy. Security and Compliance Features Bitbuy is a Canadian cryptocurrency exchange platform that was founded by Adam Goldman in Toronto, Canada, back in 2013. The platform is suitable for Canadian citizens only and is considered to be one of the most popular and leading crypto exchange platforms in the country. Bitbuy was originally called InstaBT Bitbuy currently only supports eight different cryptocurrencies, while Coinbase supports dozens. Of course, most people are usually just looking for bitcoin and maybe Ether, and either platform has you covered in that regard. Trading Power. Both Bitbuy and Coinbase cater to a duality of potential cryptocurrency users. While they both offer a brokerage-type platform that makes it easy to simply buy or sell bitcoin and other cryptocurrency at a markup, they also offer Pro trading.
Fees & Funding Options. Compare Bitbuy vs. Wealthsimple Crypto. Compare Bitbuy vs. Coinberry. Compare Bitbuy vs. Bitvo. Compare Bitbuy vs. Coinbase. Compare Bitbuy vs. Coinsquare. Compare Bitbuy vs. Kraken. Compare Bitbuy vs. NDAX. Compare Bitbuy vs. Newton After vetting Coinberry, Coinsquare, BitBuy, Shakepay, MyBTC and NDAX I Coinsquare vs Kraken at a Glance. Unless you live in Canada, you'll likely want to pick Kraken over Coinsquare. Even though Coinsquare lets anyone create an Looking for free Bitcoin in Canada? The best cryptocurrency exchange sign-up bonuses and referral programs can help you out. Digital assets like Bitcoin and Ethereum.
Bitbuy vs Newton Reddit Kraken vs Newton vs bitbuy? : BitcoinCA - reddi . of $100 to deposit which kinda feels like too much. 18 comments. share. save. hide. report. 100% Upvoted. Log in or sign up to leave a comment Log In Sign Up. Sort by. best . level 1. 12 days ago. I haven't used bitbuy. I would choose newton over kraken for beginners and smaller deposits because they accept. Overall. Discover best crypto trading bots overviewed for 2021 ️. Get full info about free and paid bitcoin bots to automate your crypto currency trading, top exchanges, features and prices, the cons and pros of using these tools Bitbuy gegen Coinbase. Coinbase ist die Börse, an die sich viele Leute wenden, wenn sie ihre erste Bitcoin kaufen möchten, aber es gibt auch eine Reihe anderer Börsen, die es wert sind, in Betracht gezogen zu werden. Während Coinbase in der Lage war, einen großen Prozentsatz des US-amerikanischen Marktes für Kryptowährungsbörsen und einiger anderer Märkte auf der ganzen Welt zu. You can read my complete Kraken review here Newton vs Bitbuy vs NDAX vs Shakepay. We hope our guide gave you all the information you need about Newton but we also invite you to take a look at some other reliable crypto exchanges in Canada. What sets Newton apart from popular Canadian exchanges like Bitbuy, NDAX, or Shakepay is not the number of supported cryptocurrencies or payment methods.
Bitbuy vs Newton Reddit Kraken vs Newton vs bitbuy? : BitcoinCA - reddi . of $100 to deposit which kinda feels like too much. 18 comments. share. save. hide. report. 100% Upvoted. Log in or sign up to leave a comment Log In Sign Up. Sort by. best . level 1. 12 days ago. I haven't used bitbuy Best crypto exchanges in Canada explained. Picking the best crypto exchange isn't a simple gesture. To. Coinberry also operates multi-signature wallets in cold storage.This allows for 2 members of the Coinberry executive team to access users funds, so if one goes missing then users' money is still safe (so essentially like a Co-pilot with access to the same flight controls)
Bitbuy vs Coinbase. Coinbase este schimbul la care apelează mulți oameni atunci când doresc să cumpere primul lor bitcoin, dar există și o serie de alte schimburi care merită luate în considerare. În timp ce Coinbase a reușit să preia un procent mare din piața valutară a criptomonedelor din SUA și alte piețe din întreaga lume, multe țări au, de asemenea, propriile schimburi. Bitbuy is an all-Canadian easy-to-use exchange, offering people of all skill levels the chance to buy, sell and trade popular cryptocurrencies including Bitcoin, Ethereum, Ripple and Litecoin. Offers buy, sell and trading options for seven popular coins, provides a wallet for customers, has customer service; A simple to use default interface with the option to use a more advanced interface.
Bitbuy is suited for both beginners (with their 'Express Trade' feature) and more advanced traders (with their 'Pro Trade' feature) Newton vs Wealthsimple Crypto vs Shakepay vs Coinberry vs Bitbuy vs Kraken vs Coinsquare. Crypto Best Exchanges 2021; Compare Exchanges; Crypto Tax Software; Business Ideas; Products; Compare Crypto Exchanges . If you use a NowFuture link, we may earn a commission. Krake und Coinbase und Bitbuy sind perfekte Beispiele für den Austausch von Fiat zu Krypto. Mit BitBuy können Sie Bitcoin, Bitcoin Cash, Ether, Ripple und Litecoin direkt kaufen. Krypto zu Krypto. Dieser Austausch hilft Ihnen, bestimmte Kryptos wie BTC, ETH, BCH usw. gegen andere Kryptowährungen auszutauschen. Binance ist ein gutes Beispiel für einen Krypto-zu-Krypto-Austausch. Dies sind. Kraken: Kraken charges a fee of $5 USD when you deposit your fiat currency on their platform. This is unlike most of their competitors who charge a percentage based fee. This is great for large depositors. Coinbase: For a bank transfers coinbase charge 1.49%, for debit or credit cards this fee increases to 3.99%
Bitbuy uses Secure Socket Layer (SSL) technology to protect users. In addition, two-factor authentication and KYC verification provides additional security. While you can move your cryptocurrency into your own wallet, Bitbuy operates with a 95% cold storage reserve for all digital currencies held on the site and executes daily encrypted and distributed backups to avoid any implications or attacks The Bitbuy Brief: Microstrategy Goes Deeper Issue #129 Thursday January 28th, 2021 Weekly Market Update: $40K CAD Analysis: The market rebounded steadily today with volumes and prices jumping significantly compared to the 7-day trend Coinbase vs Kraken: Final Thoughts. In the battle of Coinbase vs Kraken, there's no clear winner. Ultimately, it comes down to personal preference. In fact, both. Bitbuy Vs Shakepay Vs Newton: They have the lowest fees. I compare the fees to both Shakepay (which I love) and Newton - and Bitbuy comes out with the lowest fees. How does that work when Newton and Shakepay both claim to have zero-commission trading? It's the spread. The spread at Bitbuy is SIGNIFICANTLY lower than both of those popular exchanges. Bitbuy Fees: Bitbuy values transparency. Kraken vs. Coinberry : BitcoinCA - reddi . Coinberry vs Coinsquare vs Bitbuy vs Shakepay. What makes Coinberry better than other popular Canadian exchanges such as Coinsquare, Bitbuy, and Shakepay? The clearest indicator that Coinberry is worth keeping an eye on comes from its customers. The reviews of the Coinberry app on both Google's and Apple's App store glow about the simplicity. I also.
NDAX vs Bitbuy vs CoinSquare. So, how does NDAX compare to other Canadian crypto exchanges such as Bitbuy and Coinsquare? In terms of cryptocurrency choice, all of them offer a limited selection with no support for altcoin trading. However, NDAX and Bitbuy both have their own deep-liquidity OTC desks and advanced trading features for experienced traders and institutional investors. On the. Coinbase Vs Kraken. While new projects are added occasionally the quantity thus far has remained low on every offering apart from Bitcoin. This particular platform is cryptocurrency solely, which means that deposits and withdrawals through fiat wire transfers are not allowed - i.e. Shapeshift requires no information, whereas Changelly requires an email address for signup The platform was launched in 2013, under the name InstaBT, and was used for buying Bitcoin only.In 2016, it was rebranded as Bitbuy and added Ethereum, Bitcoin Cash, Litecoin, XRP, EOS, and Stellar XLM to its list of supported coins I used Bitbuy to buy my btc via etransfer, then transfered the btc to Kraken exchange to trade. I'm also canadian. A suggestion, once on Kraken, trade from Btc to. If your bitbuy vs coinbase make it through the algorithm, you will be able to place orders immediately after signing up. Trading bitcoin beginners coinbase to kraken how long. Trading, Fees and Apps Trading interface Coinsquare offers its users two different trading interfaces: a basic bitbuy vs coinbase for quick trades and an advanced interface that offers more trading options and tools. The.
Kraken vs Coinbase vs Binance Godfrey Benjamin Benjamin Godfrey is a blockchain enthusiast and journalist who relish writing about the real-life applications of blockchain technology and innovations to drive general acceptance and worldwide integration of the emerging technology. Due to the increasing regulations in China, Binance has since moved out of the country to resume operations. All. No products in the cart. Uncategorized. kraken crypto canad
Bitbuy Review 2021. Bitbuy ist eine kanadische Kryptowährungsbörse, die von Adam Goldman mit Sitz in Toronto gegründet wurde. Bitbuy startete 2013 als Instabit und wurde 2016 in Bitbuy umbenannt, um die Geschäftstätigkeit zu erweitern und die Auswahl an Optionen für digitale Währungen zu erweitern. Die Börse richtet sich an kanadische Kunden, akzeptiert nur kanadische Staatsbürger. Bitbuy vs Coinberry Reddit Coinberry - your experiences with them? : BitcoinCA - reddi . After vetting Coinberry, Coinsquare, BitBuy, Shakepay, MyBTC and NDAX I have concluded that Coinberry fits the bill for me. Looking for current user feedback, positive and / or negative. Thanks. 32 comments. share. save. hide . report. 67% Upvoted. This thread is archived. New comments cannot be posted and. Coinberry vs Coinsquare vs Bitbuy vs Shakepay. What makes Coinberry better than other popular Canadian exchanges such as Coinsquare, Bitbuy, and Shakepay? The clearest indicator that Coinberry is worth keeping an eye on comes from its customers. The reviews of the Coinberry app on both Google's and Apple's App store glow about the simplicity and responsiveness of the exchange and its. NDAX. Bitstamp εναντίον Kraken vs GateHub - Ποιο θα χρησιμοποιηθεί το 2020; Bitstamp εναντίον Coinbase: Μάχη των ανταλλαγών; Coinbase εναντίον Robinhood; Bitbuy εναντίον Coinbase BitBuy vs ShakePay vs Newton vs Coinsmart vs Coinbase (Video Soon) Featuring Canada's Most: A crypto wallet is a digital wallet used to store cryptocurrency such as Bitcoin. This data was last updated on Mach 1, 2021. Some of its main competitors are GoCoin,. Bitbuy vs coinsquareIt's built a platform bitbuy vs coinsquare on impressive security and regulatory ideas, and its approach to. While.
Kraken Vs Etoro Vs Geminiare a currency trade platform that is quite new on the market. The company was started in 2021 by two men - one from France and the other from London. They came up with an idea of collecting data and information from many different sources to make better trade decision Fri 21 kraken crypto canada. Posted on May 21, 2021 in NewsNew Bitbuy Exchange is a crypto exchange that has many Kraken is a US-based exchange that has been around for a relatively long time in the world of crypto, founded in 2011. Kraken sees a lot of trade on a daily basis, making it a n excellent place for those looking to trade regularly. Buying crypto through Kraken has no fees attached only if you purchase crypto with your account balance. Bitbuy.ca. This Canadian cryptocurrency exchange was launched in 2013, as InstaBT. This cryptocurrency exchange offers several ranking digital currency trading options including: XRP, BCH, BTC, LTC and ETH. Bitbuy.ca provides a suite of safe and secure trading options in the form of SSL (Secure Socket Layer), 2-FA (Two Factor Authentication) and a 95% cold storage policy. This means that in. Bitbuy also has an address listed on its website, with an office located in downtown Toronto, Ontario Kraken Futures enables top cryptocurrency trading with up to 50x leverage in a flexible and intuitive trading interface for mobile, featuring seamless transfers between Kraken Spot and Kraken Futures markets and access to support in-app A major flaw of any centralized crypto exchange that.
Bitbuy vs paytrie. When using the 'Bitbuy PRO' version, the fee for makers is 0.10% and for takers - 0.20%. When using the ' Express Trade ' feature, you will only pay 0.20% for each instant trade. That's slightly higher than an industry standard, however, way lower than many other platforms can offer The best cryptocurrency exchange in Canada is Bitbuy. The platform lets you buy, sell, or. BitBuy. Bitbuy's overall mission is to simplify the trade of digital assets for all Canadians. It is a convenient Canadian cryptocurrency exchange offering over the counter (OTC), brokerage and advanced trading options. Fees are extremely reasonable compared to the competition and customer support seems to be doing a very good job. Overall a solid choice if you live in Canada. You can read.
Related: Kraken Vs. Gemini Comparison: Which Crypto Exchange Is Best? Depositing Funds To Kraken. Users can quickly and easily transfer fiat currency, crypto or Tether (USDT) to Kraken. The funds are safely stored in a Kraken wallet which can be used to trade digital assets. Visit the Kraken fiat deposits page to view the full list of supported deposit methods, deposit minimums, deposit fees. See our list of cryptocurrency exchanges ️ Ranked by volume ️ Binance ️ Coinbase Pro ️ Huobi ️ Kraken ️ Bithumb ️ Bitfinex ️ And many more ️ Cryptos : 10,559 Exchanges : 380 Market Cap : $1,266,741,348,970 24h Vol : $124,261,224,910 Dominance : BTC : 46.7% ETH : 17.3% ETH Gas : 46 Gwe Shows processed from Binance but still not in Kraken. It's been 12 hours. Any advice please. Reply. Mac says: February 27, 2021 at 11:31 am. I'm not 100% positive, but I think you might have lost that coin. I believe ERC20 network is only for Ethereum coin, I would email both Binance & Kraken for support! Reply . Martin says: March 11, 2021 at 9:07 pm. Hi, Need help fixing a mistake. I. fluttis.se. Sveriges Främsta IRC Chatt Forum. Menu Hem; Old IRC Web (Kiwi) New IRC Chatt (TheLounge) Chatt Inf In this guide you'll get information about where to buy Vechain, if you are planning to buy VET - You're in the right place! Vechain as a token is created for platform which using blockchain to facilitate financial service, Supply chain, and smart contract for the management. It run under Ethereum network
Author: James Page On Bitbuy, an express Interac e-Transfer will be the best way to get funds onto the platform as quickly as possible. FAQs FAQs 1. Bitbuy currently only supports eight different cryptocurrencies, while Coinbase supports dozens. Let's take a closer look at what both of these bitcoin exchanges have to offer in terms of cost, speed, security, and a variety of other important. Binance vs Kraken cryptocurrency exchange overall score comparison reveals that Binance has a higher overall score of 9.6, while Kraken gathered an overall score of 9.1. Also, Kraken has a maximum trading limit of $100,000 while Binance has no trade limits. r/Kraken and r/Binance has (or had) withdraw and miner fees which r/Coinbase (pro) does not. Romsplanet - Best SNES Roms FREE Download.
Instagram; Youtube; Facebook; Twitter; bitbuy vs coinberry Uncategorize Step by step overview on how to withdraw Bitcoin from Kraken. The withdrawal process on Kraken is simple and the steps are easy to follow. You are required to comply with the Account Verification process and Two-factor Authentication prior to doing any transaction, like Bitcoin withdrawal. Here are the steps on how to withdraw Bitcoin from your registered and confirmed Kraken account: Withdra Kraken operates out of Halifax, Nova Scotia, but is a San Francisco based company. They are great if you are exchanging large quantities of cryptocurrency because they offer volume discounts, and you can even borrow from the exchange. They also have Bug Bounty rewards, which is a bounty reward for notifying Kraken of any suspicious activity or problems on the exchange. The one major limitation. New Ledger Nano X !!! Order Here: https://www.ledger.com/?r=6057Creating Accounts on Ledger Nano X: 1:44Transferring Bitcoin from Ledger S to Ledg..
BitBoy Crypto is the place where you can get the latest crypto news, project reviews, and cryptocurrency trading advice. Learn about different altcoins, historical Bitcoin cycles, & get the latest. Kraken vs Binance vs Coinbase - which exchange tops 202 . Coinbase vs. Coinbase Pro: Fees . The difference in fees between Coinbase and Coinbase Pro can be significant depending on what trades you are making. While Coinbase is a great way to help beginners get started, understanding how they charge fees for buying and selling crypto may help you save a lot of money If there is not a big price. First up, Bitbuy is the ONLY crypto exchange in Canada that has 100% fully insured crypto holdings. Yep. Any Bitcoin you have on the platform is insured by Knox Insurance based out of Montreal automatically. And at no extra charge! That is freaking awesome! Not only that but Bitbuy has a few other benefits going for it. Bitbuy Vs Shakepay Vs.
This is today the most common way to buy online. To buy Bitcoin on exchanges, you need to follow different steps: 1. Create your account - you'll first need to create an account on the crypto exchange of your choice. This means giving your e-mail address and setting a password. 2 Kraken Review; Binance Review; Operator Reviews. 10CRIC Review; 888poker Review 2021; Bet365 Review 2021; Betbarter Review; Betfair Review 2021; Betway Review 2021; View All; Cryptocurrency ; About Us; Contact Us; Bitbuy Review - The Best Way to Buy Bitcoin in Canada in 2021 Located at the heart of Toronto's.
Coinberry vs Coinsquare vs Bitbuy vs Shakepay. Coinsquare and the CRA have agreed that information relating to 90-95% of our clients will not be disclosed. Coinsquare Wealth is an exclusive service available to qualified individuals and institutions with a minimum of $25,000 or equal value in digital currency Wealthsimple has acquired Simple Tax - and everything went downhill! Simple Tax was a. Binance is active in almost 198 countries all over the world Having said that, though, there are quite a few online Kraken VS Binance comparisons and user reviews that note how Binance is a bit of a tricky platform to use, in general. If you have absolutely no prior knowledge in the fields of crypto and investing, well You might have a difficult time figuring out the ins and outs of Binance 7. Crypto.com review: key features. Spend cryptocurrency with its well-known Crypto.com Visa Card and get up to 8% back on spending.; Crypto.com App - Buy over 100 cryptocurrencies at true cost and manage the Crypto.com Visa Card, which allows users to pay for daily purchases with crypto.; Crypto Earn - Deposit crypto and earn up to 8% (up to 14% for stablecoins), paid weekly in your deposited. It was found that bitbuy, kraken and newton had the three lowest best all in. ing fees/network fees will be applied and will be shown in the order preview before a withdrawal order is completed. Please see the chart below for our current crypto withdrawal ; ShakePay is a Canadian cryptocurrency exchange, e-wallet company, and Bitcoin debit card provider. Shakepay not only offers Bitcoin debit. Binance vs Binance US: General info. Binance is one of the largest and most popular cryptocurrency exchanges which initially started in China but then relocated their headquarters to the crypto-friendly Island of Malta in the EU.Binance is popular for its crypto to crypto exchange services.The company raised around $15 million in an ICO in July 2017
A27Z30 - Realtime-Kurse, Stammdaten, Kennzahlen und mehr zum ETCS AUF BITCOIN (BTC/USD) von ETC Issuance DAX 15.459,75 +1,34% Dow 34.160,00 +0,37 produktbeschreibung zu a27z30 Die Wertentwicklung des Zertifikats orientiert sich an der Kursentwicklung des Basiswertes BTCetc Bitcoin Exchange Traded Crypto (BTCE) (ISIN DE000A27Z304 / WKN A27Z30 ) Binance vs Coinbase: Zwei der besten Krypto Börsen im Test. In Bezug auf die Gebühren - Binance ist besser. Die Gebühren sind bei Binance viel niedriger, aber dies ist nicht ganz fair gegenüber der Coinbase, da die Gebühren wegen der 3. Partei-Dienstleistungen, die für Fiat-Überweisungen verwendet werden, höher sind
Binance jersey vs kraken, binance jersey referral code . Binance jersey vs kraken. Buy bitcoins from a reputable source. Buy with debit and credit cards, binance jersey vs kraken. Use a debit or credit card in any currency. Is there a Bitcoin supply limit, binance jersey vs kraken. Binance jersey referral code. Get in on the action, binance. Kraken vs Coinbase: Die Geschichte von zwei der größten . VeChain bietet eine dezentrale Plattform, auf der Unternehmen leicht interagieren und Transaktionen abwickeln können, ohne dass Dritte involviert werden müssen. Das Unternehmen VeChain zielt darauf ab, eine Betriebsplattform für Geschäftslösungen zu schaffen, die bis zu 10.000 Transaktionen pro Sekunde sicherstellen kann Kraken. Kraken. Kraken was one of the first cryptocurrency exchanges on the market. It dates to 2011 when exchanges were still in the early adoption stage. Over the years it has been instrumental in defining how exchanges should operate. You might be interested in Kraken if you are looking for an exchange with a long track record. Note that this.
Wenn Sie Konten an anderen Börsen wie Binance oder Kraken haben, können Sie Bitbuy natürlich immer als CAD-Fiat-Gateway für Krypto verwenden und die Münzen verwenden, um an ihren Börsen Altcoins Ihrer Wahl zu kaufen. Kundendienst. Viele Kryptowährungsbörsen haben den Ruf, weniger als einen hervorragenden Kundensupport zu haben. Benutzer müssen oft Tage warten, bis sie Tickets. A smarter way to trade and manage your crypto. Secure platform to trade, automate with ease, and gain deeper insights on all your holdings - no matter where you keep them. 35 exchanges + wallets. 15 bots + strategies. 4000+ trading pairs. $1B+ USD managed. $3B+ USD traded A suggestion, once on Kraken, trade from Btc to USD, not CAD, because there's lower volume in CAD trading, this increases price fluctuations and you can't always buy/sell at the price you want because there might not be enough sellers/buyers in the price range you want Bitbuy vs Newton Price Comparison 2020 . 2,584 Views 0. 0. Share. Crypto For Canadians . 16 Nov 2020. Subscribe 10 People. Your Kraken account must be verified to the Intermediate or Pro level. Restrictions may exist for residents of countries included on the OFAC list. Eligible residents of certain countries may have an increased due diligence KYC process. Please note that the ability to use Etana Custody for funding purposes is dependent upon passing their separate KYC verification. Individuals and corporations. Bitbuy vs Coinbase. Coinbase is the exchange that many people turn to when they want to buy their first bitcoin, but there are a number of other exchanges out there worth considering as well. While Coinbase has been able to take a large percentage of the United States cryptocurrency exchange market and some other markets around the world, many. Coinbase vs Coinbase Pro Fees - Coinbase Pro. I used Bitbuy to buy my btc via etransfer, then transfered the btc to Kraken exchange to trade. I'm also canadian. A suggestion, once on Kraken, trade from Btc to USD, not CAD, because there's lower volume in CAD trading, this increases price fluctuations and you can't always buy/sell at the price you want because there might not be enough sellers/buyers in the price range you want ; BitBay.