☠️ Drops vs. Central Bank: How fraud schemes survive in Russia 🇷🇺

☠️ Drops vs. Central Bank: How fraud schemes survive in Russia 🇷🇺
The Bank of Russia has so far made little progress in combating drops. However, high hopes are placed on introducing criminal liability for drops, known as “Oreshnik”.

What’s the current situation❓
▶️ Drops army: Between 8 and 12 million people are estimated to have participated in drop schemes from 2023 to 2025, including one-time helpers and those who have already left. Around 30–35% are migrants and non-residents.

▶️ Strategy and agility: The tactics have shifted from focusing on the “lifetime” of specific cards to using services from up to 30 different banks simultaneously (“bank farms”). Drops have also increased offline activity, using physical messaging for operations.

▶️ Failed prosecution: Attempts to prosecute drops and facilitators under article 187 of the Russian Criminal Code have failed, as recently confirmed by the Supreme Court, stating current laws are insufficient for these cases.

▶️ Central Bank actions: The fight against drops happens via the Bank of Russia’s FinCERT anti-fraud procedures and AML/CFT laws, mainly Federal Law 115 on money laundering and terrorist financing.

▶️ Detection model: Suspicious patterns include unusual rises in P2P payments, access from multiple IPs, repeated transfers to third parties, and matches with Central Bank blacklists. Context includes high-risk sectors like online casinos and crypto exchanges. Data is reported to the Central Bank, Ministry of Interior, and NSPK for blacklist updates and investigations.

▶️ New restrictions: Since May 5, amendments to the National Payment System law allow credit institutions to suspend cards, online banking, and electronic means if fraud is detected. There’s also a monthly transfer limit of 100,000 rubles for own or third-party transfers in such cases.

▶️ Shadow operations: These include payments linked to illegal casinos, illicit crypto exchanges, pirate content, drugs, and more. Formal action is limited without complaints from affected parties.

▶️ Real impact: Systemic banks freeze about 20,000 suspicious transfers daily. However, drops numbers continue to grow, driven by easier access to banking services and weak legal penalties.

In summary, this is an ongoing battle between regulatory measures and evolving fraud schemes.

#news #Russia #finance

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