TIN will become the main identifier for linking all bank accounts of individuals. This idea is being put forward by the Central Bank. The regulator wants to oblige financial institutions to link the individual taxpayer number of clients to their accounts, both new and existing. Banks will have to independently collect the necessary data, including by contacting the Federal Tax Service (FTS).
The measure is necessary for the operation of the new fraud prevention platform "Antidrop", the development of which will begin in 2026, and the launch is scheduled for mid-2027. It will be centralized and will combine information from banks and law enforcement agencies about clients, cards, and accounts that are involved in fraudulent schemes. TIN will be used as the main client identifier in this system.
In practice, this means that the system will be able to see all of a person's bank accounts as a single entity and form a centralized risk profile based on transaction patterns, signals from the police, and complaints.
It should be noted that in various countries, banks require clients to provide their TIN and country of tax residence when opening accounts. This has become basic information for identifying taxpayers and complying with KYC (Know Your Customer) policies. However, most countries do not have a centralized Central Bank platform that marks clients as potential drop men and transmits this information to banks.