On September 1, 2026, significant changes to the financial monitoring system came into force in Russia. Rosfinmonitoring now receives data on transactions conducted through the Fast Payment System (FPS), the unified QR code, and the Mir payment system. The agency's focus is on ruble transfers associated with crypto processors and P2P schemes. This is a step toward total transparency of cash flows that previously remained outside the regulator's purview.
The key change is that transfer data now flows to the financial department centrally and in real time, eliminating delays associated with requests to banks. For ordinary citizens making everyday transactions, nothing formally changes. However, for those whose transactions were previously classified as suspicious under Federal Law No. 115-FZ, the risk of scrutiny from supervisory authorities increases manyfold. Rosfinmonitoring will be able to analyze such transactions almost instantly, significantly simplifying the detection of dubious schemes.
Experts emphasize: the goal of the innovations is not to tighten life for law-abiding users, but to improve the effectiveness of anti-money laundering efforts. The financial habits of most citizens will remain unchanged. However, in the event of a block or requests from the bank, it is important to promptly provide documents confirming the legal origin of funds and the economic purpose of the transaction.
Special attention is paid to the cryptocurrency segment. Many crypto processors and P2P platforms use FPS for ruble settlements. From today, such transfers fall under the closest scrutiny. This means that the anonymity previously enjoyed by some market participants becomes unattainable.
What NSPK transmits and how it works
According to the new law, the National Payment Card System (NSPK) will transmit to Rosfinmonitoring information about payments through Mir, FPS, and transactions with the unified QR code. At the same time, NSPK is not entitled to disclose the fact of transmitting this data. The information will be sent through a personal account or the unified interdepartmental electronic interaction system.
The volume, composition, and timing of information provision will be determined by an agreement between Rosfinmonitoring and NSPK with the participation of the Bank of Russia. The agency states that the changes are aimed at improving the national anti-money laundering system by expanding data sources.
My analysis: This is a logical continuation of the course toward de-anonymizing the crypto market. Nothing terrible happens to bona fide participants, but gray schemes where ruble P2P transfers were used to bypass banking controls will have a hard time. I recommend that everyone working with cryptocurrency and fiat settlements bring their operations into full compliance with the requirements of Federal Law No. 115-FZ in advance and be prepared for additional questions from financial organizations.