Starting July 1, 2025, digital ruble transactions will be regulated by anti-money laundering laws. Legal entities must provide documents upon request from banks and the Central Bank, and failure to update data promptly may result in transaction suspension.
Key Changes
On May 23, 2025, Federal Law № 105-FZ came into force, extending anti-money laundering provisions to digital ruble transactions. Key changes effective July 1 includes:
1.Obligation to Submit Documentation
Legal entities and users of the Digital Ruble (DR) platform must provide requested information to participating banks and the Central Bank of Russia (CBR) to comply with the federal anti-money laundering law (Articles 47, 64 of the Law).
2.Right to reject transactions
Platform participants may block transactions if money laundering or terrorist financing is suspected. The user has the right to submit rebuttal documents within 7 working days. The rejection may be appealed to the Commission at the Central Bank of the Russian Federation (Articles 15-17, 47-48).
3.Suspension of operations
Processing of user instructions will be suspended if data raising doubts about its reliability is not updated within 7 working days. Operations will resume following information updates (Art. 42).
4.Client Restrictions
Opening a digital ruble (DR) account is prohibited (Articles 40-41) for:
Implications for Businesses
Recommendations to companies
Support from Acsour
To minimize risks, we recommend:
Key Changes
On May 23, 2025, Federal Law № 105-FZ came into force, extending anti-money laundering provisions to digital ruble transactions. Key changes effective July 1 includes:
1.Obligation to Submit Documentation
Legal entities and users of the Digital Ruble (DR) platform must provide requested information to participating banks and the Central Bank of Russia (CBR) to comply with the federal anti-money laundering law (Articles 47, 64 of the Law).
2.Right to reject transactions
Platform participants may block transactions if money laundering or terrorist financing is suspected. The user has the right to submit rebuttal documents within 7 working days. The rejection may be appealed to the Commission at the Central Bank of the Russian Federation (Articles 15-17, 47-48).
3.Suspension of operations
Processing of user instructions will be suspended if data raising doubts about its reliability is not updated within 7 working days. Operations will resume following information updates (Art. 42).
4.Client Restrictions
Opening a digital ruble (DR) account is prohibited (Articles 40-41) for:
- Companies from "high-risk groups" according to the Central Bank or a platform participant;
- Persons with blocked property;
- Businesses operating without required licenses.
Implications for Businesses
- Increased control: Companies using the Central Bank need to respond promptly to requests for documents from banks and the regulator.
- Transaction Suspension Risks: Delayed data updates or suspected violations will result in frozen transactions.
- Access Restrictions: Stricter identification criteria may limit platform access for certain business categories.
Recommendations to companies
- Verify the accuracy of registration data with participating banks of the digital ruble platform.
- Establish a system for rapid document collection to respond to requests under Federal Law 115-FZ.
- Assess business compliance with the new requirements, particularly regarding licensing obligations.
Support from Acsour
To minimize risks, we recommend:
- Legal Audit: We’ll align your processes with new requirements and prepare platform-compliant documentation. we will help you adapt your processes to new requirements and prepare documents for the platform participants.
- Accounting Review: We’ll identify potential regulatory issues before initiating digital ruble transactions.
