What operations have a significant impact on the 115th Federal Law block?

7 main criteria:

1. Frequency: more than 30 transactions with different individuals per day.

2. Amounts: a systematic turnover of more than 100,000 ₽ per day or 1 million ₽ per month in transfers between individuals.

3. Speed: quick deposits and withdrawals within 12 hours.

4. Balance: the account regularly (at the end of the day) has less than 10% of the daily turnover.

5. Number of counterparties: more than 10 different individuals per day or 50 per month.

6. No household payments: no payments for utilities, communications, goods, or services for living among the transactions.

7. Device matching: logging into the bank from one device under different names (+different applications of the same bank on one device).

If any two of these match, the chance of being blocked by the analytics network increases by 90%.

At the same time, there are "plus" coefficients, for example, a salary project from 6 months, which covers the monthly expense part – as the most significant factor. Deposits, premium statuses, and the history of appeals are also taken into account.