The Bank of Russia has determined the criteria that will allow banks to identify payment instruments (payment cards and e-wallets) used by shady businesses – illegal online casinos, organizers of financial pyramids, illegal forex dealers, cryptocurrency online exchangers, the Central Bank said.

“Participants of the shadow business accept payments from citizens (individuals using such services) and reverse payments not from their current accounts, but from bank cards and electronic wallets controlled by them, often issued to fictitious individuals. At the same time, such payment instruments do not everyday purchases, utilities, and other services are paid for, but at the same time, with the help of these cards, transactions that are unusual in terms of the frequency and amounts of transactions are carried out, “the Central Banknotes.

For the automated processing of a significant flow of payments, illegal business uses special software modules that connect to the Internet pages of credit institutions with money transfer services (P2P services used by bona fide individuals for payments “from card to card”, “from wallet to wallet “, etc.).

“The Bank of Russia proceeds from the fact that transfers to illegal structures are associated with high risks of losing money and involving citizens in fraudulent schemes. The regulator recommends that credit institutions promptly identify suspicious cards and wallets and apply anti-legal measures against such instruments. protection of P2P services so that they cannot be used to conduct suspicious transactions, “the regulator emphasizes.

The Central Bank of the Russian Federation recommends banks to identify accounts that meet two or more of the following criteria:

  • an unusually large number of counterparties – individuals (payers or recipients), for example, more than 10 per day, more than 50 per month;
  • an unusually large number of transactions for crediting or debiting non-cash funds (increasing or decreasing the balance of electronic funds) carried out with counterparties – individuals, for example, more than 30 transactions per day;
  • significant volumes of transactions for writing off or crediting non-cash funds (increasing or decreasing the balance of electronic funds) between individuals, for example, more than 100 thousand rubles a day, more than 1 million rubles a month;
  • a short period of time (one minute or less) between crediting funds (increasing the balance of electronic money) and debiting (decreasing the balance of funds);
  • within 12 hours (or more) of one day, operations are carried out to credit or write off funds (increase or decrease the balance of electronic funds);
  • during the week, the average balance in the bank account at the end of the transaction day does not exceed 10% of the average daily volume of transactions on the bank account (electronic means of payment) in the specified period;
  • transactions to write off funds are characterized by the absence of payments in favor of legal entities or individual entrepreneurs to ensure the life of an individual (for example, payment for utilities, communication services, other services, goods, works);
  • coincidence of identification information about the device (for example, MAC address, digital fingerprint of the device, etc.) used by different individual clients for remote access to the credit institution’s funds transfer services.


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