In recent months, banks have strengthened their anti-fraud measures and launched a wave of inspections under Federal Law No. 161 (on illegal transfers). Simultaneously, a law criminalizing mules and mule operators came into force, further undermining traditional schemes for processing illegal payments. As a result, former money processors (call centers, drug shops, etc.) have effectively lost the ability to process payments in Russian banks.
But enterprising owners of illegal businesses didn't stop there. They created a new scheme, switching en masse to "white triangles"—they began using exchangers and P2P platforms as a front for their operations, inflating exchange rates and offering unprecedented commissions to existing exchangers for processing their traffic.
How does it work in practice? It's simple: an ordinary client creates a request to P2P Bybit agents and BestChange exchangers, where they magically pay an incredible 5-10% commission for crypto, unaware that their details are being sent up the chain to illegal casinos (at best), where they are displayed to players wanting to top up their balances, who, in turn, flood the account with their payments. The casino or "Sberbank security service" continues accepting payments, the exchanger receives an additional 7-8% profit per transaction instead of the usual 0.5-1%, and the client receives their funds.
Soon, huge problems will arise! And here's why:
Chargeback/dispute: the aggrieved "payer" cancels the transfer to your card → block cards/accounts (sometimes across all banks), complaints under Federal Law No. 161.
Law enforcement agencies: For large amounts, senders can file a complaint.
Black traffic is mixed into the chain: call centers with stolen funds, drug shops, etc. → Both the exchanger/trader and the recipient of funds will be held legally accountable for selling their crypto.
Stop lists: Specialized financial systems flag details with suspicious transactions → Banks automatically delete them as compromised.
Short-term margin today becomes a systemic risk tomorrow! We appeal to all market participants:
Users: Protect your cards and reputation – do not buy or sell cryptocurrency on exchangers that use P2P and triangles. Do not exchange orders from black merchants with inflated rates. Do not accept a bunch of fractional payments from third parties for your crypto.
To exchangers/traders: If you don't give up the "white-black triangles" and sweet high margins right now, we will all face a blizzard of blockings, loss of access to the payment infrastructure, and a blow to trust in the entire P2P/exchange market from users, media, and regulators → pressure on the entire crypto market, not just "gray" processors.
The Central Bank of the Russian Federation openly talks about this scheme and warns of the responsibility of all participants.
Short-term profits today mean blockings and showdowns tomorrow, and the day after tomorrow means the death of the industry.
Stay on the bright side with AlfaBit!
