The Bank of Russia softened the rules for accessing unskilled investors to cryptocurrencies

Central Bank of the Russian Federation announced a change in the conditions for retail investors in the crypto market. Now some of the tools will become available to a wider range of buyers, but the restrictions for the most risky products will remain.

According to Kirill Pronin, director of the financial market infrastructure department of the Central Bank, in an interview TASS, regulator Goes towards private investors, but does not plan to completely cancel the barriers for unskilled participants.

Crypto assets equated to securities

The Bank of Russia stressed that the approach to digital assets is gradually closer to the regulation of the classic stock market. Complex and potentially hazardous tools will be available only to qualified investors – by analogy with securities.

Thus, for most retail players, only basic products will open, while complex derivatives and high-risk tokens will remain limited.

The Central Bank will check the crypto balances of banks

In addition to mitigating the rules, the regulator announced a new study, which will be held in January-February 2026. The Central Bank intends to find out what volumes of cryptocurrencies taken into account on the balance sheets of Russian financial organizations And how exactly they are used – in particular, to hedge risks.

Banks will have to report:

• Cryptocurrency volumes on the balance sheet as of January 1, 2026;
• use of assets in lending to crypto companies;
• Operations with digital instruments related to the crypto market.

Study of investments of individuals

separately in November-December 2025 The Central Bank plans to analyze the investment of citizens in Digital financial assets (CFA)the profitability of which directly depends on the cost of cryptocurrencies.

This will allow the regulator to assess the real scale of the population’s involvement in the crypto market and develop new regulatory measures to protect unskilled investors.