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$needMoreDataWM = ($exchange->getSumTo()->getCurrency()->getSystem()->getModule() == 'WebMoney' || $exchange->getSumFrom()->getCurrency()->getSystem()->getModule() == 'WebMoney') || $this->getRequest()->request->get('user_wmid');
$needMoreDataWM = $needMoreDataWM && !$user->getWmid();
$needMoreDataBank = ($exchange->getSumTo()->getCurrency()->getSystem()->getClass() == 'bank') && !$user->getVat() || $this->getRequest()->request->get('user_vat');
$needMoreData = $needMoreDataBank || $needMoreDataWM || !($user->getFullname() && $user->getPassport()) || $this->getRequest()->request->get('user_fullname') || $this->getRequest()->request->get('user_passport');