Russia’s Ministry of Digital Development is drafting legislation that would require banks to confirm customer financial operations through Max, a Kremlin-controlled messaging app. In practice, instead of confirming transactions within their banking app (or via SMS), users would receive a message in the Max app and must approve the action there to complete it. The proposal applies to undefined “significant” actions, granting officials broad discretion over which financial activities require approval. This would insert state-run app verification into everyday banking. And if Max goes down, significant financial activity may stop entirely. FinancialFreedomReport.org

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