As of September 1, 2026, a federal law came into force in Russia that fundamentally changes the rules of the game for all participants in the cryptocurrency market. Rosfinmonitoring has begun receiving data on transactions through the Fast Payment System (FPS), the unified QR code, and the Mir payment system. This means that ruble transfers servicing crypto exchangers and P2P schemes are now under enhanced scrutiny by financial intelligence.
What has changed for cryptocurrency holders
The key change is the speed and method of data transmission. Previously, the agency had to send requests to banks, which slowed down analysis. Now, information about transfers and payments arrives centrally and almost in real time. For ordinary citizens making routine everyday transactions, nothing formally changes. However, the risk increases significantly for those whose transactions already looked suspicious under the criteria of Federal Law No. 115-FZ.
In my assessment, this is not just a technical innovation, but a systemic step toward full traceability of ruble flows associated with digital assets. Rosfinmonitoring is now able to analyze chains of transactions without waiting for formal requests, making the use of P2P exchangers to circumvent legislation extremely risky.
The purpose of the changes is obvious — to make payment flows as transparent as possible for financial monitoring and to simplify the detection of suspicious transactions. Law-abiding citizens will not have to change their financial habits. However, in the event of bank inquiries or blocking under 115-FZ, it is crucial to promptly provide documents confirming the legal origin of funds and the economic purpose of the transaction.
Special attention should be paid to the cryptocurrency industry. Many crypto exchangers and P2P platforms actively use FPS for the ruble circuit. From today, such transfers fall under the closest scrutiny of Rosfinmonitoring.
What data NSPK transmits
The National Payment Card System (NSPK) is now obliged to transmit to financial intelligence information about payments and transfers via Mir and FPS, as well as about transactions using the unified QR code. At the same time, NSPK is not entitled to disclose the very fact of transmitting this information.
The agency assured that the transmission of information will not affect the speed of the money transfers themselves. The data will be delivered through a personal account or another interagency electronic interaction system. Specific timelines, methods, and volumes of transmitted information will be determined by an agreement between Rosfinmonitoring and NSPK in coordination with the Bank of Russia.
My verdict: this is only the first step toward stricter regulation. I recommend that all cryptocurrency market participants, especially operators of P2P platforms, reconsider their business models and give priority attention to compliance. In conditions where every ruble transfer can be analyzed in real time, the risks of blockings and legal consequences become unacceptably high.