As of September 1, 2026, a federal law came into force that radically changes the rules of the game for all crypto market participants using ruble infrastructure. Now, data on transactions through the Faster Payments System (SBP), the unified QR code, and the Mir payment system is automatically transmitted directly to Rosfinmonitoring. This means that ruble transfers by crypto processors and P2P schemes, which for a long time remained in the "gray" zone, have come under total control of financial intelligence.
The key change lies in the speed and method of information transmission. Previously, the agency had to send official requests to banks and wait for responses, which significantly slowed down analysis. Now, fiscal authorities receive data centrally and almost in real time. This allows for much more effective detection of suspicious transactions under Federal Law No. 115-FZ, without waiting for formal procedures.
What does this mean for cryptocurrency holders?
For ordinary citizens making everyday transfers, formally nothing changes. However, for those whose transactions already looked suspicious, the risks increase manyfold. Rosfinmonitoring is now able to analyze fund flows instantly, rather than after the fact. This is a serious signal for everyone who uses P2P exchangers and crypto processors to withdraw funds into rubles.
It is important to understand: law-abiding users do not need to change their financial habits. If a bank requests information or blocks an account under 115-FZ, it is sufficient to promptly provide documents confirming the legal origin of funds and the economic purpose of the transaction. However, for those trying to hide transactions, there are now virtually no loopholes left.
What data does NSPK transmit?
The National Payment Card System (NSPK) will transmit to the agency information about all payments through SBP, the universal payment code, and the Mir system. At the same time, NSPK itself is not entitled to disclose the fact of transmitting this information. The volume, composition, and timing of data provision will be determined by a separate agreement between Rosfinmonitoring and NSPK, coordinated with the Bank of Russia.
This step is part of a large-scale strategy to improve the national anti-money laundering system. Expanding information sources for financial monitoring is a logical continuation of the course toward full transparency of cash flows in the country.
My analysis: This is only the first stage of tightening. The digital asset market in Russia is moving toward full legalization with simultaneous strengthening of control. Participants in P2P schemes and illegal exchangers should consider moving into the legal framework, otherwise their activities will become not just risky, but practically impossible. The era of the "wild" crypto market in the ruble zone is irrevocably coming to an end.