Garant Exchange
Why banks restrict cards
Banks are alarmed by many transfers from different people, money that leaves again right away, and above all by transfers the sender later disputes. The worst case is being paid with stolen money: the real owner complains to the bank, and you are the recipient.
What is special about Russia
Banks must check recipients against the Central Bank's database of transfers made without the client's consent (Law 161-FZ). If money that later turns out to be fraudulent lands on your card, you may end up in that database, and the bank will restrict transfers and online banking. Letting other people use your card or banking app is a separate offence, punishable up to criminal liability.
How to avoid a block
Accept payment only from the buyer's own card: the sender's name must match the name in the deal. Don't agree to "a transfer from my brother's card" or from third parties. Don't run dozens of deals a day through one card, don't use your salary card for P2P, and never give anyone your card or access to your banking app.
If the bank asks questions or restricts your card
Answer calmly and honestly: you sold your own cryptocurrency. Attach the deal history from Garant Exchange — amount, date, rate and the address the coins went to. If money came from a stranger, don't send it "back" at the request of people you don't know — it's a common scheme; tell the bank and the guarantor.
How the guarantor helps
In deals in Russia both sides pass an identity check, and the seller sees the buyer's name from their document to compare it with the sender of the transfer. If the money came from someone else's card, don't confirm the payment and open a dispute: the coins stay frozen with the guarantor until it is resolved.