In a significant development for cryptocurrency traders in Russia, the government is advancing a draft bill that will enable non-qualified investors to trade in digital assets starting in 2026. According to Anatoly Aksakov, head of the State Duma’s Financial Markets Committee, this legislation is set to reshape the landscape of crypto trading, making it more accessible to everyday citizens.
Under the new proposal, non-qualified traders will be permitted to invest up to 300,000 rubles, approximately $3,800, in cryptocurrencies. This limitation is designed to mitigate the risks associated with retail crypto trading while expanding access to digital currencies. Aksakov emphasized that the bill removes cryptocurrencies from the category of special financial regulation, paving the way for their broader acceptance in daily financial transactions.
The draft bill also aims to support international transactions involving digital assets, allowing for the use of Russian-issued tokens in foreign markets. Aksakov highlighted that this regulatory framework not only opens the door to domestic crypto markets but also encourages participation in cross-border settlements, signaling a progressive alignment with the global digital asset ecosystem.
As part of ongoing initiatives to foster regulated digital asset infrastructure, the Russian government is keen to balance market expansion with investor protection. Earlier reports indicated that the Bank of Russia is developing a risk-based model to regulate retail access to cryptocurrencies. This would necessitate that potential investors undergo a risk awareness test prior to engaging with digital assets.
Importantly, the Finance Ministry has stated that the strategy to limit retail participation aligns with a broader initiative to manage systemic financial risks. Minister Anton Siluanov reaffirmed that the government and the central bank are collaborating to create a framework that safeguards investors while facilitating market growth. Notably, the Bank of Russia maintains a strict prohibition on anonymous digital assets, including privacy coins, to ensure transparency and regulatory oversight.
Adding to the dialogue around digital assets, the Social Fund of Russia has reported an increasing number of inquiries from citizens about the potential for pensions to be distributed in cryptocurrencies. However, officials have clarified that, for the time being, all pensions will continue to be paid in rubles.
Meanwhile, Russia is actively progressing with its own national digital currency project, the digital ruble, which is set to be integrated into state financial systems with an expected full rollout by September 2026. This initiative aligns with the country’s broader ambition to enhance digital financial services and regulatory frameworks.
As lawmakers prepare for the spring parliamentary session, attention will turn to further regulations surrounding digital assets and cryptocurrencies. Aksakov and other financial authorities seek to clarify that cryptocurrencies will no longer be regarded as niche financial products. Instead, the new law aims to integrate digital assets into the overarching financial system, signaling a pivotal shift in their regulation and use within Russia.
With these developments, Russia is stepping into a new era of cryptocurrency trading, potentially transforming the engagement of retail investors with digital assets.
