Translation. Region: Russian Federation –
Source: Central Bank of Russia
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Hedecreased From 90 to 72.6 billion rubles. The volume of suspicious cash withdrawal transactions across all sectors of the economy decreased by a quarter, to 48.3 billion rubles.
In the banking sector, cash withdrawals decreased by 28%, primarily due to two popular schemes. The volume of such illegal transactions using payment cards of companies and individual entrepreneurs dropped almost by half. Transfers to individual accounts from companies that were not actually conducting business fell by 24%.
Suspicious transactions with signs of money transfer abroad in 2025 compared to 2024 decreased by 5%, to 24.3 billion rubles.
The continued trend of reducing suspicious transactions was facilitated by the interaction between the regulator and banks, as well as the operation of the platform. Know Your Customer (ZSK). The accuracy of the assessments generated by the ZSK is confirmed by the consistently low share of clients rehabilitated by the Interdepartmental Commission—only 0.3% of the total number of high-risk clients. According to the ZSK, 97.1% of companies and sole proprietors are classified as low-risk.
Countermeasures against suspicious transactions by shell companies (money mules), through which illegal businesses (anonymous crypto exchanges, online casinos, and others) conduct payments to individuals, have been strengthened. Banks have learned to detect such transactions in real time, many using artificial intelligence. In 2025, the lifespan of a money mule card was significantly reduced: whereas previously, payments using such cards could be processed for over a month, now they are typically stopped within a day. The average transaction amount per money mule has been reduced from 1–3 million rubles to 100–150 thousand rubles, and the volume of suspicious transactions on money mule accounts across the banking sector as a whole has decreased severalfold.
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