Russian Central Bank outlines new rules for crypto investors

The proposal introduces investment caps for retail buyers, while granting qualified investors broader access to digital assets under regulated conditions.

Russia’s central bank has outlined a regulatory approach that allows controlled crypto ownership while maintaining strict limits on payments and investor eligibility.

The Central Bank of Russia has introduced a detailed proposal aimed at bringing cryptocurrencies under a unified regulatory framework, marking a significant step towards formal legal recognition of digital assets.

Under the proposal, both qualified and non-qualified investors would be permitted to purchase cryptocurrencies. Investor status would be determined by factors such as education, professional background, income level, and asset holdings.

Non-qualified investors would be restricted to buying up to 300,000 roubles worth of crypto per year through authorised intermediaries.

Digital currencies and stablecoins would be classified as currency values under Russian law, yet their use as a means of payment for goods and services would remain prohibited. The framework maintains the state’s long-standing opposition to domestic crypto payments.

Russian residents would also gain the right to purchase and transfer crypto assets abroad, provided such transactions are reported to the Federal Tax Service. The central bank aims to finalise the legislative groundwork by 1 July 2026.

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