United Arab Emirates. Introduction of individual English law institutions for residents of the High-Tech Park, which will make it possible to conclude option contracts , convertible loan agreements, non-competition agreements with employees, agreements with responsibility for enticing employees, irrevocable powers of attorney and other documents common in international practice. As of April , the Bank of Montreal BMO announced that it would ban its credit and debit card customers from participating in cryptocurrency purchases with their cards. International Tax Review. The Financial Market Authority FMA has warned investors that cryptocurrencies are risky and that the FMA does not supervise or regulate virtual currencies, including bitcoin, or cryptocurrency trading platforms. Legal Croatia’s Financial Stability Council warned investors about the risks of virtual currencies, such as digital wallet theft and fraud, on December 18,