Цифровой рубль включен в антиотмывочное законодательство. Что это значит

RBK-cryptoPublished on 2025-05-21Last updated on 2025-05-21

Контроль над соблюдением требований ПОД/ФТ будет распределен между коммерческими банками и регулятором

Антиотмывочный контроль за операциями с цифровыми рублями будут проводить как коммерческие банки, так и Банк России, сообщил регулятор. Эта норма закрепляется законом, одобренным Советом Федерации 20 мая. Документ распространяет на цифровой рубль действие 115-ФЗ «О противодействии легализации (отмыванию) доходов, полученных преступным путем, и финансированию терроризма».

Контроль над соблюдением требований по противодействию отмыванию денежных средств и финансированию терроризма (ПОД/ФТ) разделен в зависимости от того, как пользователи будут передавать распоряжения об операциях с цифровыми рублями на платформу цифрового рубля — через коммерческий банк или напрямую оператору — Банку России.

В первой версии законопроекта предполагалось, что антиотмывочный контроль будет выполнять ЦБ, но в процессе обсуждений выявили необходимость гибридного подхода. Представитель регулятора сообщил РБК в конце 2024 года, что новый функционал банков будет «аналогичен тому, какой они выполняют в настоящее время в отношении своих клиентов при совершении ими операций по банковским счетам».

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Банки продолжат проводить идентификацию клиентов при открытии счета цифрового рубля, выявлять клиентов, доступ которым на платформу должен быть ограничен, и выполнять другой противолегализационный функционал, который у них есть сейчас, говорится в сообщении ЦБ от 21 мая.

Банк России напомнил, что рассчитываться в цифровых рублях можно будет через привычные мобильные приложения банков и других систем дистанционного банковского обслуживания. О дате массового запуска новой формы нацвалюты ЦБ сообщит дополнительно.

Ранее предполагалось, что широкое внедрение цифрового рубля начнется с июля 2025 года, но оно было перенесено на неопределенный срок. Это решение объяснили необходимостью доработки системы с учетом потребностей бизнеса, госструктур и поддержки смарт-контрактов. В пилоте участвуют 15 банков, более 50 компаний и 2 тыс. граждан.

Криптобиржа Coinbase сообщила об утечке данных 69 тыс. пользователей

В Минцифры Татарстана сообщили о работе в регионе 5 тыс. майнинговых ферм

Биткоин показал рекордное дневное закрытие. Когда ждать новый максимум

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