Russia Drafts Bill To Let Unqualified Investors Into Crypto
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Russia is taking another step toward opening up retail participants as lawmakers draft a law that would allow unqualified investors to own limited holdings of digital assets.
Key Takeaways:
Russia is preparing a law that will allow unqualified investors to access crypto, as it records retail purchases at 300,000 rubles.
The draft bill also exempts crypto from special regulation, signaling a push to make digital assets part of everyday finance.
Authorities aim to promote the use of crypto in cross-border settlements while maintaining strict restrictions to control financial risks.
The state news agency TASS reported on Tuesday that the chairman of the State Duma financial market committee, Anatoly Aksakov, has already completed a draft and is expected to be considered during the spring parliamentary session.
The proposal removes cryptocurrencies from the special regulatory regime, effectively treating them as a standard financial instrument.
The Russian legislature has drafted a new bill to allow crypto to be used on a daily basis.
Aksakov said in an interview with Russia-24 TV channel, as quoted by TASS, “A bill that removes cryptocurrencies from special financial regulations has already been prepared, which means they will become common in our lives.”
Under the proposed framework, access to non-eligible investors remains reserved.
Individuals who do not meet Russia's qualified-investor requirements are allowed to purchase cryptocurrencies worth up to 300,000 rubles, or roughly $3,800.
Aksakov professional market participants will not be subject to the same restrictions.
Beyond domestic trade, the law is expected to support the use of crypto in cross-border activities.
Aksakov said the changes would facilitate international settlements and allow tokens issued by Russian entities to be deposited abroad, a growing demand as the country seeks alternatives to traditional financial channels.
The comments follow earlier signals from Russian authorities regarding retail crypto use.
In December, the Bank of Russia imposed a ban on anonymous and privacy-focused cryptocurrencies, allowing unqualified investors to trade digital assets after they passed a risk-awareness test.
At the same time, Finance Minister Anton Siluanov said that the Ministry of Finance and the Central Bank are working on an integrated framework that allows retail participation within certain limits.
As crypto adoption expands, officials have repeatedly emphasized that transaction limits and investment restrictions are critical to contain financial and systemic risks.
As reported, the Russian Social Fund in 2011 It received nearly 37 million calls in 2025, emerging as one of the most common topics alongside crypto-related questions alongside the usual social good questions.
Citizens frequently ask whether pensions can be paid in digital assets and whether income from crypto mining is counted in the calculation of benefits, prompting the authorities to repeatedly say that all state payments are made only in rubles and that crypto taxes fall under the federal tax service.
The focus comes as crypto mining gains political and economic significance. Top officials have argued that mining should be recognized as an export activity, citing its impact on foreign exchange flows despite the absence of cross-border physical activity.
Late last month, the Moscow Exchange and the St. Petersburg Exchange confirmed that they are ready to start crypto trading after the Bank of Russia's December 23 regulatory proposal comes into force on July 1, 2026.
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