April 21, 2014 at 13:49In the second reading, a bill was adopted that tightens the requirements for the transfer of electronic money
Last Friday (April 18), the State Duma of the Russian Federation in the second reading adopted bill No. 428896-6 “ On Amending Certain Legislative Acts of the Russian Federation ” included in the anti-terrorism package , tightening the use of electronic payment systems.
In some ways, the situation was resolved better than it could have happened: the sensationally significant reduction in limits for anonymous wallets was abandoned. In the first reading, it was assumed that the maximum size of an anonymous payment should not exceed 1 thousand rubles, which put an end to e-commerce. But the existing restrictions do not inspire optimism.
The threat has passed: the rejection of draconian restrictions for owners of anonymous wallets who wanted to introduce. The limits remain the same: the balance on the anonymous wallet at any time should not exceed 15 thousand rubles, and the total amount of funds transferred per month is limited to 40 thousand rubles.
Still, there is no need for identification when transferring money to legal entities, individual entrepreneurs and state bodies if the payment amount is not more than 15 thousand rubles. The restriction does not apply if the recipient is a religious or charitable organization.
Simplified identification procedure.The user can either provide identification documents or their copies, or send information about himself in electronic form, or use an electronic signature for authorization in a single identification system. Simplified identification will be available from November 1, 2014.
Simplified identifiers can have no more than 60 thousand rubles in their wallet and transfer no more than 200 thousand rubles per month. For comparison: the size of electronic wallets identified in the usual way is 100 thousand rubles.
Anonymous users can no longer transfer money to individuals. To do this, you need to go through identification or simplified identification.
The threshold is reduced from 200 thousand rubles to 100 thousand rubles, at which operations to receive, as well as spend non-profit organizations money and other property from foreign states and citizens are subject to mandatory control. The political subtext of this restriction is likely.
Simplified identification can be carried out only in the absence of suspicion of money laundering. If they occur, normal identification will be required.
The bill comes into force 10 days after its official publication.
In some ways, the situation was resolved better than it could have happened: the sensationally significant reduction in limits for anonymous wallets was abandoned. In the first reading, it was assumed that the maximum size of an anonymous payment should not exceed 1 thousand rubles, which put an end to e-commerce. But the existing restrictions do not inspire optimism.
The threat has passed: the rejection of draconian restrictions for owners of anonymous wallets who wanted to introduce. The limits remain the same: the balance on the anonymous wallet at any time should not exceed 15 thousand rubles, and the total amount of funds transferred per month is limited to 40 thousand rubles.
Still, there is no need for identification when transferring money to legal entities, individual entrepreneurs and state bodies if the payment amount is not more than 15 thousand rubles. The restriction does not apply if the recipient is a religious or charitable organization.
Simplified identification procedure.The user can either provide identification documents or their copies, or send information about himself in electronic form, or use an electronic signature for authorization in a single identification system. Simplified identification will be available from November 1, 2014.
Simplified identifiers can have no more than 60 thousand rubles in their wallet and transfer no more than 200 thousand rubles per month. For comparison: the size of electronic wallets identified in the usual way is 100 thousand rubles.
Anonymous users can no longer transfer money to individuals. To do this, you need to go through identification or simplified identification.
The threshold is reduced from 200 thousand rubles to 100 thousand rubles, at which operations to receive, as well as spend non-profit organizations money and other property from foreign states and citizens are subject to mandatory control. The political subtext of this restriction is likely.
Simplified identification can be carried out only in the absence of suspicion of money laundering. If they occur, normal identification will be required.
The bill comes into force 10 days after its official publication.