After the restrictions on the 'Golden Crown' were imposed

After the restrictions on the 'Golden Crown' were imposed, Russians began more actively seeking other channels for transfers abroad.

Consensus

After new EU sanctions and the shutdown of 'Golden Crown', Russians have increased cross-border money transfers.
There has been a rise in cross-border transfers to countries in the near abroad, including Belarus, Armenia, Azerbaijan, Kazakhstan, and Georgia.
The volume of such transfers increased by 15% in one week, with Georgia showing the highest growth at 64%.
90% of those making transfers are Russian residents.
The main purposes of the transfers are tourism, education, services, and support for relatives abroad.
Russian banks have developed a decentralized system of payment channels to maintain international transfers.
The number of payment channels has increased significantly since before 2022, when only SWIFT and card numbers were available.
The total volume of cross-border transfers by the bank has grown 11 times over the past four years, reaching 500 billion rubles.

The market for international transfers has become more diversified since 2022. — tg_bazabazon
The volume of cross-border transfers increased by 15% in monetary terms over one week. — tg_mash