Russia also have instant payments for consumers between all major banks which are free for first ~$1400 / month (100,000 RUB) and it's should be soon available

Russia also have instant payments for consumers between all major banks which are free for first ~$1400 / month (100,000 RUB) and it's should be soon available for businesses as well. It's all run by central bank. For fintech there is Tinkoff bank which is more advanced than Monzo / Revolut / N26 / etc as well as two "virtual" B2B fintech banks that even do accounting for entrepreneurs on their own. And to be honest even Russian largest state-owned Sberbank is far more advances than most of institutions in US and EU. So as long as your business can't be forcefully taken away and there are no political risks it's quite comfortable to be freelancer when it's come to taxes.