Teenagers aged 14 to 18 may be prohibited from independently opening e-wallets and other payment instruments without a bank account. The Central Bank proposed including this measure in the "Anti-Fraud 3.0" package, which is currently undergoing interdepartmental approval.

The new rules may apply to non-bank wallets, prepaid cards, as well as built-in payment functions of marketplaces, messengers, games, and delivery services. Registration will require confirmation from parents, adoptive parents, or guardians – presumably through "Gosuslugi".

The main goal of the initiative is to make it more difficult to involve minors in dropping. Fraudsters register instruments in the names of teenagers, use them to receive and withdraw stolen money, and then disappear. According to experts, the number of such cases has increased 70-fold in three years.

There is no final decision yet. Experts warn that the law must precisely list the services subject to restrictions. Otherwise, transport cards and other everyday instruments not used for withdrawing money could accidentally fall under the new requirements.