Darya Fomina

Darya Fomina

Economy and Finance Columnist
2659 articles
Economics and FinanceExchange Rates and PricesConsumer MarketSociety and Fashion

Covers economic topics at XAB.info. She received her higher education at a polytechnic university with a degree related to accounting, so she treats numbers without enthusiasm or panic: first the report and methodology, then the conclusions.

She writes about exchange rates, prices, taxes, banks, and how government and corporate decisions affect the average person's wallet. She is also interested in society, fashion, and consumer habits — how economics looks in everyday life.

Articles

Display samples of new Ukrainian banknotes with denominations of 100, 200, 1000 and 2000 hryvnias featuring portraits of historical figures — symbols of potential investment value

Hidden wealth in your wallet: how an ordinary hryvnia turns into a 100,000 investment

Economy 08/12/2026, 11:18
🇺🇦 Hidden wealth: collectors are ready to pay more than 100,000 UAH for rare hryvnias! 💰 The commemorative 50-hryvnia bill from 2011 can cost 2000 times its face value. 🔍 Experts have revealed how to find rare banknotes in everyday change. 🆕 The new 2000 UAH bill with the portrait of Vasyl Stus will become a new target for collectors as early as September 2026. Read the full analysis of the numismatic market in our article.
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Process of making raw ajika without cooking: filling glass jars with spicy paste and sealing lids for winter storage

Raw Adjika Without Cooking: How to Preserve Vitamins and Get the Perfect Winter Snack

Culture 08/12/2026, 11:07
🍅 **Raw Adjika: The Hit of the 2026 Season!** Forget about boiling and sterilization? Now you can make adjika in 30 minutes without heat treatment! 🔥 **Key Features:** ✅ Maximum vitamins and fresh taste. ✅ Secret ingredient — horseradish root for spiciness. ✅ Perfect with meat and lard. ⚠️ **Important:** Store ONLY in the refrigerator and do not reduce the amount of salt and vinegar! Save the recipe while the tomato season is in full swing! 🌶️🥒
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Collage with euro and dollar symbols, stacks of 500 hryvnia bills, charts, and currency exchange — illustrating currency rate spread in Ukraine on August 12, 2026

Currency rate spread in Ukraine: how much 1000 dollars costs in banks and exchange offices on August 12, 2026

Economy 08/12/2026, 10:34
💸 Currency market August 12, 2026: where is it most profitable to buy dollars? 📉 Average rate in exchange offices: $44.90 / €51.91 🏦 Average rate in banks: $45.09 / €52.10 🏆 Leaders in profitability (rate $45.00): ✅ Oschadbank (app) ✅ PUMB (cards) 💰 The price difference for 1000 dollars between banks reaches 200 hryvnias! Read the full breakdown of rates in the article.
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New 2000 UAH banknote with Vasyl Stus portrait, magnified by a loupe, against a backdrop of other Ukrainian currency and coins, symbolizing the collector's market.

2000 Hryvnia with Stus: How the New Banknote Will Change the Collector Market and the Potential Value of 'Unicorns'

Economy 08/12/2026, 09:58
🇺🇦 In September 2026, a new 2000 hryvnia banknote with the portrait of Vasyl Stus will be released in Ukraine. Experts predict a boom in the collector market: the first series and notes with low numbers could cost hundreds of thousands of hryvnias. 💰 The note will be the first in the world with the Anima™ Colour security strip. 🔍 Special interest will be generated by 'unicorns' and banknotes with possible typographical errors. 📈 The war has intensified interest in Ukrainian money as a cultural code.
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Senior woman with gray hair, glasses, and a green blazer smiles while looking at a smartphone with an orange case in a classroom — illustrating accessible connectivity for seniors in Ukraine in 2026

Social Connection: How Ukrainian Operators Adapted Tariffs for Pensioners in 2026

Economy 08/12/2026, 09:37
📱 **Social tariffs for pensioners in Ukraine 2026: overview of offers** Major operators have adapted conditions for people 55+: 🔹 **lifecell**: "Care" tariff — 190 UAH/month. Online activation via Bank ID. 🔹 **Vodafone**: "Respect" campaign — Flexx Go tariff for 200 UAH with number retention. 🔹 **Kyivstar**: "ALL TOGETHER Comfort" package — 220 UAH. Includes home internet and medical services. Communication is becoming more accessible for the older generation! #telecom #pensioners #ukraine2026
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Elderly woman with hands on forehead, calculator, documents and money on table — symbol of financial difficulties in calculating utility benefits

Benefit instead of subsidy: how families of deceased defenders can get a 50% discount on utilities if the subsidy is zero

Economy 08/12/2026, 09:01
🏠 **Benefit instead of subsidy: what families of deceased defenders need to know** The PFU reminded: if the subsidy is 0 UAH, you can apply for a utility benefit. 👉 **Main point:** You cannot receive both a subsidy and a benefit simultaneously. You must choose one. 📉 **Norms:** - Ordinary families: 21 sq.m per person + 10.5 sq.m for the family. - Only non-working (pensioners): 42 sq.m per person + 21 sq.m for the family. 🔄 **Important:** If you want a subsidy in winter — submit an application. If the subsidy is 0 again in summer — the benefit will be restored automatically. #Ukraine #PFU #Benefits #Utilities #Defenders
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Symbolic scales with gears, illustrating the balance of accounts receivable and the efficiency of advance recovery in AOZ

45.8 billion UAH in overdue debt: analysis of the dynamics of receivables of the Defense Procurement Agency and the effectiveness of advance recovery

Economy 08/11/2026, 18:56
📉 **Critical overdue debt in defense: how the DPA recovered $1 billion** At the beginning of 2026, the overdue accounts receivable of the Defense Procurement Agency (DPA) reached 45.8 billion UAH. However, by July, the situation stabilized: the debt decreased to 14.6 billion UAH. 🔹 **Causes:** Supply disruptions and force majeure in the MIC. 🔹 **Legal disputes:** 11.2 billion UAH are in the recovery stage. 🔹 **Result:** Overdue debt accounts for less than 1% of the annual contract volume. 📊 Analysis of dynamics and positions of the parties — in the material. #Ukraine #DefenseBudget #DPA #Economy #MinistryOfDefense
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ZapSibNeftekhim petrochemical complex with smoke from chimneys after drone attack, production halted

Drone attack on 'ZapSibNeftekhim': Russia's largest petrochemical complex shut down indefinitely

Economy 08/11/2026, 18:27
🚨 Russia's largest petrochemical complex, 'ZapSibNeftekhim' in Tobolsk, has been shut down following a drone attack. 🔥 Fires and destruction: Strike delivered from a distance of 2000+ km. 📉 Market in shock: The exchange received not a single batch of gas, which accounts for 40% of Russian production. 🏭 Threat to the entire industry: The shutdown will affect the 'Sibur' petrochemical complex, depriving it of feedstock. #Sibur #Tobolsk #DroneAttack #Economy
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Nuclear power plant shrouded in fog with tall metal transmission towers in the foreground, symbolizing the dominance of nuclear energy in Ukraine’s electricity market structure in 2025

Nuclear Power Maintains Leadership: NERC Reveals the Structure of the Ukrainian Electricity Market for 2025

Economy 08/11/2026, 17:47
🇺🇦 Nuclear power is the main source of light in Ukraine. NERC has published a report for December 2025: Nuclear power plants provided 62.7% of all energy. 📊 Market structure: 🔹 Nuclear power plants: 62.7% 🔹 CHPs: 13.3% 🔹 TPPs: 12.6% 🔹 HPPs: 5.7% 🔹 RES: 3.8% 🤝 Energy trading has become more accessible: more than 500 companies operate on the bilateral contracts market. The regulator has opened data on prices and liquidity for transparency. #Energy #Ukraine #Economy #NuclearPower #NERC
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