The Central Bank limit of 300,000 rubles: how to legally bypass the restriction and increase the volume of cryptocurrency purchases
The annual limit of 300,000 rubles on cryptocurrency purchases, set by the Central Bank, does not act as a cumulative restriction for an investor, but rather separately for each counterparty. This opens up a perfectly legal opportunity for large players to distribute their transactions among multiple banks, brokers, and exchangers.
For most non-qualified investors, this amount is quite sufficient to cover basic needs in digital assets. However, those operating with more substantial capital have the option to buy from several intermediaries at once — and current rules do not prohibit this format.
What the limit protects and why it benefits intermediaries
On one hand, this format formally shields inexperienced investors from volatility — which is exactly what the regulator declares. On the other hand, it gives intermediaries a temporary head start: companies manage to establish operations with cryptocurrencies and prepare the necessary infrastructure and specialists.
There is also an indirect effect. Client funds end up in different depositories, which reduces the risk of sanctions. In the case of BTC and ETH, freezing at the blockchain level is technically unfeasible, but the risks of coin labeling still remain.
A separate issue is the lack of cross-platform data exchange. There is currently no unified system that would consolidate a client's operations across different platforms. Information is completely confidential and is only transmitted to the regulator upon suspicious activity. This opens the door for abuse: a client can present the same documents about the source of funds to different intermediaries, and the intermediary is responsible for verifying them.
What cross-platform accounting will change
Tracking client activity by TIN in the future will give the regulator far more transparency. Likely, this will be followed by the introduction of a cumulative limit across all platforms at once. For now, no official system for such control exists in a desk-based manner.
Earlier, economist Mikhail Bryukhanov explained that distributing transactions among different licensed intermediaries remains a legal way to buy cryptocurrency in amounts exceeding 300,000 rubles per year, since the restriction mechanism itself raises no objections to such operations.
In his assessment, this amount is quite enough for everyday expenses, but it will not accumulate for a car or foreign real estate. Qualified investors are not affected by the new rules: the restrictions do not apply to those who meet educational and professional requirements or have passed special testing.
My comment: Until the regulator implements cross-platform accounting, the scheme of distributing transactions among intermediaries remains workable, but I would advise investors not to overuse it. As soon as the Central Bank closes this "loophole" — and it is only a matter of time — those accustomed to large volumes through multiple platforms will face sudden blockages. It is better to prepare in advance for stricter rules than to seek new workarounds.