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Sberbank to Broaden Crypto‑Backed Loans as Russia Works Toward Mid‑2026 Rules

Corporate demand is pushing a coordinated rollout with the central bank.

Overview

  • Russia’s largest lender said it will expand lending secured by cryptocurrency after a pilot with miner IntelionData, targeting companies that hold digital assets rather than only miners.
  • The bank is finalizing infrastructure and methodology for scaling the product and signaled readiness to work with the Central Bank of Russia on regulatory solutions.
  • Sberbank is also developing crypto custody services that include account‑style safety guarantees and asset‑freezing provisions.
  • Sovcombank launched public bitcoin‑backed loans this week for eligible individuals and firms, positioning itself as the first Russian bank to openly offer such financing.
  • Regulators classify crypto as foreign‑exchange‑type assets and aim to complete a legislative framework by July 1, 2026, as Sberbank’s DFA activity surged in 2025 with RUB 408 billion in issuances and RUB 185 billion in holdings.