# Dana Berzeg

Role: Attorney-at-law, Family Office
Location: Moscow, Russia
Email: dana@private.law
Canonical: https://wiki.private.law/en/authors/berzegova

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## Experience

- private.law (2025 – present)
- G.S.L. Law & Consulting — junior legal counsel, international legal department (2024 – 2025)
- T‑Bank — junior specialist, risk department (2022 – 2023)

## Education

- Financial University under the Government of the Russian Federation — Bachelor in International Economic Law (2022)
- Financial University under the Government of the Russian Federation — Master, Legal Support of Business Activity (2024)

## Wiki articles

- Residence Total Cost Matrix: Five Years of Status in Twelve Jurisdictions
  URL: https://wiki.private.law/en/residence-total-cost-matrix
  Summary: Five-year cost of residence in 12 jurisdictions for one family: state charges, locked capital, housing rules, tax on €300k passive income, PR horizon.
  Last modified: 2026-09-26T21:23:00.000Z

- What a Status Is Worth Beyond Entry: Tuition, Admission and a Child's Citizenship
  URL: https://wiki.private.law/en/residence-education-rights
  Summary: The word "resident" covers three different tests — qualification, nationality and residence. How each changes the tuition rate, the admission pool, access to grants and the speed of a child's citizenship, with Article 11 of Directive 2003/109/EC and a country-by-country comparison of the child's clock against the parent's.
  Last modified: 2026-09-28T02:46:00.000Z

- Crypto-Asset Tax Reporting: Who Reports What to Tax Authorities
  URL: https://wiki.private.law/en/crypto-tax-reporting
  Summary: Three reporting circuits for crypto-assets: the CARF perimeter and commitment waves as at the list edition of 14 September 2026, DAC8 and the first exchange by 30 September 2027, the amended CRS, Form 1099-DA, UK SI 2025/744 and Spanish Modelos 172, 173 and 721.
  Last modified: 2026-09-23T07:57:00.000Z

- Migration Status: Renewal, Loss and Revocation
  URL: https://wiki.private.law/en/migration-status-lifecycle
  Summary: When your personal ground for residence fails — dismissal, business endorsement withdrawn, divorce, death of the principal, a child turning 18, long absence: renewal, continuous residence, switching route, the way back, and what an appeal really preserves, on UK, Spanish and US routes.
  Last modified: 2026-09-27T16:02:00.000Z

- Disputes, Protection of Rights and Enforcement: A Route Map by Legal Problem
  URL: https://wiki.private.law/en/disputes-hub
  Summary: Enter by the legal problem, not the court: jurisdiction, interim protection, recognition and enforcement; the deal, family and sanctions routes; and how credit, security, custody and insolvency differ.
  Last modified: 2026-09-21T07:01:00.000Z

- The EU AI Act After 2 August 2026: Obligations for Law Firms and Family Offices
  URL: https://wiki.private.law/en/eu-ai-act-law-firms
  Summary: EU AI Act duties for law firms and family offices from 2 August 2026: AI literacy, Article 50 transparency, Article 99 penalties — high-risk duties from 2 December 2027.
  Last modified: 2026-09-26T21:24:00.000Z

- Migration: Residence Permits, Citizenship and Tax Residence
  URL: https://wiki.private.law/en/migration-hub
  Summary: A map of the migration domain: three independent variables, the eight-step route model, seven entry types on shared axes, and a detailed guide to each branch.
  Last modified: 2026-09-27T03:11:00.000Z

- Kazakhstan Banks for Non-Residents: Kaspi Gold, Halyk, BCC, Forte
  URL: https://wiki.private.law/en/kazakhstan-banks
  Summary: Kaspi Gold for non-residents and Russian citizens, Bank CenterCredit, Halyk and Forte: documents, the 12-month card, fees, SWIFT and premium thresholds.
  Last modified: 2026-09-26T15:37:00.000Z

- Premium Residencies in the Gulf and Asia: A Map
  URL: https://wiki.private.law/en/investor-routes-gulf-asia
  Summary: A 2026 map of investor residencies in the Gulf and Asia: thresholds in the UAE, Saudi Arabia, Singapore, Hong Kong and Thailand, timelines, presence rules and tax effect.
  Last modified: 2026-10-02T06:10:00.000Z

- Football Agents: Licensing, Fee Caps and the Litigation Against FIFA
  URL: https://wiki.private.law/en/football-agents
  Summary: FIFA agent rules: licence and exam, the 3-10% cap in art. 15, the EU Court ruling of 16.07.2026 and England without a cap — what applies on 07.09.2026.
  Last modified: 2026-09-29T14:51:00.000Z

- The Investor: Capital, Status and Tax — Cluster Map
  URL: https://wiki.private.law/en/investor-hub
  Summary: A map of the investor cluster: choosing the model of entry, the full price of a route, due diligence, the tax trail of a status, three regional maps and reform risk.
  Last modified: 2026-09-29T02:34:00.000Z

- Selling the Business: Preparation, Deal Structure and Exit Tax
  URL: https://wiki.private.law/en/business-exit
  Summary: Share deal or asset deal, SSE and §8b KStG, Sperrfrist and 150-0 B ter, BADR at 18% from 6 April 2026, earn-outs, W&I and what happens to the team's options.
  Last modified: 2026-09-26T21:26:00.000Z

- Card Scheme Rules: Chargebacks, Interchange and Merchant Monitoring
  URL: https://wiki.private.law/en/card-scheme-rules
  Summary: How the Visa and Mastercard rulebooks create obligations: dispute deadlines, 2026 VAMP, ECM and BRAM thresholds, interchange caps in the EU, US and UK, scheme fees and 3-D Secure liability shift.
  Last modified: 2026-09-26T20:35:00.000Z

- Sanctions: a Route Map for the Individual, the Bank and the Structure
  URL: https://wiki.private.law/en/sanctions-map
  Summary: Sanctions regimes as at 2026-08-28: the US 50% rule vs EU ownership/control, the 21st package, the Article 5b deposit cap, secondary sanctions, delisting.
  Last modified: 2026-09-25T20:22:00.000Z

- Double Taxation Despite the Treaty: MAP, Arbitration and APAs
  URL: https://wiki.private.law/en/tax-disputes
  Summary: Mutual agreement procedure under OECD Model Article 25, MLI Part VI arbitration, EU Directive 2017/1852 and Russian Chapter 20.3: deadlines, odds and pitfalls.
  Last modified: 2026-09-14T19:16:00.000Z

- Right of Publicity and AI: Deepfakes, Voice and Post-Mortem Protection
  URL: https://wiki.private.law/en/publicity-rights-ai
  Summary: Digital replicas of voice and likeness: the ELVIS Act, AB 1836 and AB 2602, NY § 50-f, NO FAKES, AI Act art. 50 and the Danish model — terms, penalties, take-downs.
  Last modified: 2026-09-14T19:09:00.000Z

- Jersey, Singapore or New Zealand: Choosing a Trust Jurisdiction
  URL: https://wiki.private.law/en/jersey-vs-singapore-vs-nz-trust
  Summary: Three trust jurisdictions compared from primary sources: firewall, reserved powers, perpetuity, taxation, disclosure and CRS/CARF timing, trustee licensing and published JFSC, MAS and IRD tariffs.
  Last modified: 2026-09-14T18:30:00.000Z

- Transfer of a Minor Footballer: RSTP Article 19 and Its Exceptions
  URL: https://wiki.private.law/en/fifa-minor-transfers
  Summary: The ban on international transfers below 18, the five exceptions in RSTP Article 19, the TMS minor application, Football Tribunal deadlines, Brexit and club sanctions.
  Last modified: 2026-09-13T20:12:00.000Z

- Investment Migration Due Diligence: Checks and Grounds for Refusal
  URL: https://wiki.private.law/en/investment-migration-due-diligence
  Summary: Investment migration vetting: state, agent and bank checks, Caribbean principles, ECCIRA, C-181/23, the AMLR from 10 July 2027, OECD CRS risk and refusal grounds.
  Last modified: 2026-10-03T23:09:00.000Z

- Article 17 of the OECD Model: Tax Where You Perform
  URL: https://wiki.private.law/en/article-17-sportspersons
  Summary: Withholding on performers and athletes: 20% in the UK, 30% in the US, treaty thresholds of $10,000–20,000, event exemptions and the Monaco and UAE dead end.
  Last modified: 2026-10-02T00:53:00.000Z

- Saudi Arabia: Premium Residency, Zero Income Tax and Athletes' Money
  URL: https://wiki.private.law/en/saudi-arabia
  Summary: No income tax on salary, 15% VAT, Premium Residency at SAR 800,000 or 100,000 a year, RHQ at 0% for 30 years, and the temporary non-residence trap at home.
  Last modified: 2026-10-01T22:50:00.000Z

- US Financial and Crypto Licenses: Three Axes of Choice
  URL: https://wiki.private.law/en/usa-license-map
  Summary: Three axes decide a US regime: federal or state, deposit status, and Fed settlement access. Charters, ILCs, SPDIs, MTLs and the GENIUS Act from 18 Jan 2027.
  Last modified: 2026-10-01T22:03:00.000Z

- Banking for a Licensed Operator: How MSBs, MSOs, EMIs and PSPs Open and Keep Accounts
  URL: https://wiki.private.law/en/banking-for-msb
  Summary: Why banks refuse licensed operators, the account stack, the bank's document pack, CASS 15 from 7 May 2026 and 90-day UK closure notice.
  Last modified: 2026-09-30T07:51:00.000Z

- The OnlyFans Economy: Why the Platform Pays the VAT for Everyone
  URL: https://wiki.private.law/en/onlyfans-taxes
  Summary: Fenix International (C-695/20): the platform pays VAT on the fan's whole payment, not on its 20% cut. What is left to the creator: registration, 1099s, DAC7.
  Last modified: 2026-09-29T15:59:00.000Z

- Migration Routes for Business Owners
  URL: https://wiki.private.law/en/business-owner-routes
  Summary: L-1 and EB-1C, the UK Expansion Worker at £52,500, Japan's ¥30m Business Manager, Spain's Ley 14/2013, Canada's paused SUV and the Gulf RHQ regimes compared.
  Last modified: 2026-09-27T02:05:00.000Z

- Creators: Money, Visas and Taxes — a Cluster Map
  URL: https://wiki.private.law/en/creators-hub
  Summary: The creator-economy hub: four income streams, platform withholding, DAC7 and CESOP, PSC vs holdco, relocation routes, talent visas and promo liability.
  Last modified: 2026-09-26T14:44:00.000Z

- The United States for a Foreign Athlete: 30%, CWAs and the Jock Tax
  URL: https://wiki.private.law/en/us-athlete-tax
  Summary: 30% of gross under §1441, a CWA filed 45 days before the event, jock tax on duty days, Pittsburgh's 3% struck down on 25.09.2025 and the World Cup formula.
  Last modified: 2026-09-25T23:52:00.000Z

- The Professional Athlete: Money, Visas and Tax — Cluster Map
  URL: https://wiki.private.law/en/athletes-hub
  Summary: Cluster map for the professional athlete: 183 days and centre of interests, OECD Article 17, 20% in the UK and 30% in the US, jock tax, image rights, visas.
  Last modified: 2026-09-20T13:25:00.000Z

- Regulating Info-Products and Influencers: Advertising, Registers, Liability
  URL: https://wiki.private.law/en/influencer-regulation
  Summary: Rules for info-products and creators compared: ad disclosure (FTC, CAP Code, DSA, erid), registers in Russia, Spain, Italy and the UAE, fines from 6% and 10% of turnover to criminal cases in Russia.
  Last modified: 2026-09-17T11:23:00.000Z

- Finom: the European Business Account Built by Ex-Modulbank Founders
  URL: https://wiki.private.law/en/finom
  Summary: An Amsterdam-based EMI fintech with Russian-speaking roots: accounts and AI accounting for EU SMBs, a €115m Series C — and the honest limits of a non-bank.
  Last modified: 2026-10-03T23:09:00.000Z

- Kazakhstan: Financial and Crypto Licences — AFSA, the National Bank and Alatau City
  URL: https://wiki.private.law/en/kazakhstan-crypto-licenses
  Summary: Kazakhstan crypto regulation compared: AFSA DATF licensing in the AIFC, National Bank licensing and registration, and Alatau City rules from 2027.
  Last modified: 2026-09-29T21:30:00.000Z

- Swiss fintech and crypto licences: Fintech licence, DLT trading facility and crypto institutions
  URL: https://wiki.private.law/en/fintech-license-switzerland
  Summary: Swiss financial and crypto licensing under the Banking Act and DLT Act: Fintech licence, bank and securities-firm status, DLT trading facilities, crypto custody, stablecoins, capital and substance.
  Last modified: 2026-09-27T16:30:00.000Z

- UAE financial and crypto licences: CBUAE, VARA, DFSA, FSRA and SCA
  URL: https://wiki.private.law/en/uae-license-map
  Summary: Compare UAE financial and crypto licensing under CBUAE, VARA, DFSA, FSRA and SCA: activities, capital, local substance, stablecoin rules, distribution limits and regulator selection.
  Last modified: 2026-09-26T23:08:00.000Z

- OakNorth: UK Commercial Bank and US Bank Acquisition
  URL: https://wiki.private.law/en/oaknorth
  Summary: OakNorth is a UK commercial bank focused on growing businesses. Lending, deposits, FSCS, the ONCI platform and the acquisition of Community Unity Bank in the US, with onboarding and regulatory terms.
  Last modified: 2026-09-16T13:51:00.000Z

- Allica Bank: UK Bank for Established SMEs
  URL: https://wiki.private.law/en/allica-bank
  Summary: Allica Bank is a licensed UK bank for established SMEs. Business accounts, deposits, overdrafts, commercial mortgages, asset finance, FSCS protection and client requirements.
  Last modified: 2026-09-16T13:48:00.000Z

- TBC Bank Uzbekistan: Digital Bank and Payme Ecosystem
  URL: https://wiki.private.law/en/tbc-uzbekistan
  Summary: TBC Bank Uzbekistan is a licensed digital bank within the TBC group. Payme, BNPL, insurance and OLX Uzbekistan, accounts, cards, deposits, non-resident onboarding, pricing and deposit protection.
  Last modified: 2026-09-05T18:21:00.000Z

- Borrow Against a Collection or Sell: Tax, Cost and Risk
  URL: https://wiki.private.law/en/art-lending-vs-selling
  Summary: Interest on art loans is non-deductible under §163(h), with no carryforward. Break-even is 5 years versus 7.5 for an SBLOC. Maths, §68 from 2026, collateral.
  Last modified: 2026-10-02T00:19:00.000Z

- Luxury Taxes: ATED, Superbollo and Immobile Tax Bases
  URL: https://wiki.private.law/en/luxury-taxes
  Summary: Why luxury taxes keep getting repealed: the 1991-93 US failure, the UK's ATED, Italy's superbollo and Canada's 2025 repeal for jets and yachts.
  Last modified: 2026-09-06T07:48:00.000Z

- Art as an Asset: Title, Provenance, Storage and Lending
  URL: https://wiki.private.law/en/art-title-and-lending
  Summary: The legal mechanics of owning art: title and provenance, UNESCO and UNIDROIT, Nazi-era restitution, art-secured lending, export control and AML.
  Last modified: 2026-09-27T22:49:00.000Z

- CARF: Crypto-Asset Reporting and First Exchanges in 2027
  URL: https://wiki.private.law/en/carf-practice
  Summary: CARF in practice: who is an RCASP, which exchange and transfer aggregates are reported, why wallet balances are not, the 2027/2028/2029 waves, DAC8 and 1099-DA.
  Last modified: 2026-09-26T23:36:00.000Z

- Fund Secondaries: LP-Led, GP-Led and Continuation Vehicles
  URL: https://wiki.private.law/en/fund-secondaries
  Summary: LP-led and GP-led fund secondaries: continuation fund mechanics, status quo option, fairness opinions, conflicts of interest, and 2025-2026 market data.
  Last modified: 2026-09-11T15:20:00.000Z

- Family Office Cybersecurity and Privacy: Access Control and Incident Response
  URL: https://wiki.private.law/en/family-cybersecurity
  Summary: Why family offices are targets: business email compromise, deepfakes, the digital footprint, kidnap & ransom cover, callback verification, the first hour.
  Last modified: 2026-09-02T10:10:00.000Z

- Investor Onboarding in a Fund: From Qualification and KYC to LPA and Capital Call
  URL: https://wiki.private.law/en/investor-onboarding
  Summary: Complete guide to entering a fund: accredited investor and qualified purchaser qualification, KYC and source of wealth, tax forms W-8BEN/W-9, subscription agreement, LPA, and capital call mechanics.
  Last modified: 2026-09-29T02:56:00.000Z

- Fireblocks: The Infrastructure Behind Everyone Else
  URL: https://wiki.private.law/en/fireblocks
  Summary: MPC wallets, policy engine, and transfer network powering exchanges and banks; how family offices use Fireblocks indirectly through their custodians and managers.
  Last modified: 2026-09-21T10:22:00.000Z

- Kraken: regulation, custody and institutional services
  URL: https://wiki.private.law/en/kraken
  Summary: Kraken: trading, Prime, OTC, staking and custody through Kraken Financial. Regulatory entities, Wyoming SPDI status, asset protection, onboarding and limits of public insurance disclosure.
  Last modified: 2026-09-02T07:42:00.000Z

- Coinbase Prime: Crypto Prime Brokerage of a Public Company
  URL: https://wiki.private.law/en/coinbase-prime
  Summary: Custody, execution, and financing within a public company framework: how Coinbase Prime works and who it suits for institutional digital asset management.
  Last modified: 2026-09-27T05:00:00.000Z

- Andorra residence without work: investment, AFA payment and tax boundary
  URL: https://wiki.private.law/en/andorra-residence-permit
  Summary: Andorra's residence without work for passive-income UHNW: the AFA deposit, investment threshold, and where the tax-residency boundary actually falls.
  Last modified: 2026-09-23T00:08:00.000Z

- Anchorage Digital: Crypto Custody Under Federal Banking License
  URL: https://wiki.private.law/en/anchorage-digital
  Summary: First crypto bank with federal OCC charter: asset segregation, staking from custody, governance tools for funds and family offices.
  Last modified: 2026-09-21T10:11:00.000Z

- Minor Heirs and Guardianship
  URL: https://wiki.private.law/en/minor-heirs-guardianship
  Summary: What happens to inheritance of minor children: guardianship, property management until adulthood, appointing a guardian in a will, and the role of trusts for children.
  Last modified: 2026-10-02T03:14:00.000Z

- Incapacity Planning: Power of Attorney and Living Will
  URL: https://wiki.private.law/en/incapacity-planning
  Summary: What happens to assets and decisions if the owner is alive but incapacitated: power of attorney, living will, and medical directives. A plan must cover this scenario.
  Last modified: 2026-09-30T07:35:00.000Z

- Intestate Succession in Russia: Order of Heirs
  URL: https://wiki.private.law/en/russian-intestate-succession
  Summary: Who inherits and in what order without a will in Russia: eight lines of succession, spousal share, representation rights, and dependent heirs.
  Last modified: 2026-10-02T00:14:00.000Z

- Inheritance Contract and Joint Will of Spouses
  URL: https://wiki.private.law/en/russian-inheritance-contract
  Summary: New Russian inheritance law tools since 2019: inheritance contract and joint will of spouses—how they work and differ from a standard will.
  Last modified: 2026-10-02T05:56:00.000Z

- Crypto and Digital Asset Inheritance
  URL: https://wiki.private.law/en/crypto-inheritance
  Summary: How to pass on bitcoin, tokens and accounts: the private key problem, access without revealing seed phrases, legal status of crypto in estates, and the role of foundations or trusts.
  Last modified: 2026-10-02T04:24:00.000Z

- Multi-Jurisdiction Wills and Probate
  URL: https://wiki.private.law/en/multi-jurisdiction-wills
  Summary: Why separate wills are needed for different countries, how to avoid mutual revocation, and why probate can drag on for years. Mirror wills, formalities, and forced heirship.
  Last modified: 2026-09-25T14:05:00.000Z

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