Sberbank studies cryptocurrency-backed loans in 2026

2026-01-02 14:59:11

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Russia’s largest bank, Sberbank, is researching the implementation of cryptocurrency-backed mortgages amid Russia’s push to integrate digital assets ahead of the legal framework’s completion by mid-2026. The bank stated it is ready to cooperate with regulators to build infrastructure for collateralized crypto finance, thereby expanding the ecosystem beyond mere transactions.

This year, Sberbank has issued over 160 tokenized products linked to real estate, oil, and commodities, while also developing blockchain platforms and smart contract tools to support structured investments. When the law comes into effect, the bank aims to become a liquidity provider on regulated exchanges.

Russia recorded $376.3 billion in cryptocurrency transactions during the period 7/2024–6/2025, the largest in Europe. The law is expected to be enacted before 7/1/2026, with sanctions applying from 2027.

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