Starting September 1, 2026, a new procedure comes into effect, under which Rosfinmonitoring begins receiving data on financial transactions through the Fast Payment System (SBP), the unified QR code, and the Mir payment system. This landmark change directly affects ruble transfers used by crypto processors and P2P schemes, which now come under close scrutiny by the agency.
In my assessment, this is not just a technical formality, but a serious step toward de-anonymizing gray schemes in digital asset circulation. Financial intelligence gains a tool for analyzing transactions almost in real time, which dramatically increases the effectiveness of identifying suspicious operations.
What changes for cryptocurrency holders
The key innovation is that data on transfers and payments now flows to the agency centrally and faster, bypassing traditional requests to banks. For ordinary citizens conducting everyday transactions, nothing formally changes. However, for those whose transactions previously looked suspicious under the criteria of Federal Law 115-FZ, the risks increase manifold. Now Rosfinmonitoring can analyze such operations almost in real time.
The purpose of the innovations is to make payment flows more transparent and simplify the identification of suspicious deals. Law-abiding citizens will not need to change their financial habits. In the event of bank inquiries or blocks under 115-FZ, it is sufficient to promptly provide documents confirming the legal origin of funds and the economic purpose of the transaction.
Special attention should be paid to cryptocurrency. Many crypto processors and P2P schemes use SBP for the ruble circuit. Starting September 1, such ruble transfers come under the closest scrutiny of Rosfinmonitoring.
What data NSPK transmits
The National Payment Card System (NSPK) will transmit information on payments and transfers via Mir and SBP, as well as on operations using the unified QR code. At the same time, NSPK is not authorized to disclose the very fact of transmitting this information. Data transmission will be carried out through a personal account or the unified interdepartmental electronic interaction system.
Specific timelines, methods, and the volume of transmitted data will be defined in an agreement between Rosfinmonitoring and NSPK with the participation of the Bank of Russia. The agency emphasizes that the changes are aimed at improving the national anti-money laundering system by expanding information sources.
My expert conclusion: This is a logical continuation of the course toward total transparency of financial flows in Russia. For the crypto industry, the signal is clear: anonymous P2P exchangers and gray processors operating through Russian banking infrastructure are becoming extremely vulnerable. Market participants should already now reconsider their business models and strengthen compliance procedures, otherwise the risks of blocks and audits will become inevitable.