On December 3, 2025, Bill No. 1087365-8 was introduced to the State Duma of the Russian Federation. This bill regulates the use of digital financial assets (DFAs) as collateral for mortgage loans. This measure aims to simplify and legalize the process of using DFAs in real estate, which could significantly change the country's mortgage lending market.

Key Provisions of the Bill

The bill introduces a mechanism for state registration of mortgages as collateral for DFAs, eliminating existing legal gaps in current legislation. The operator of the platform on which DFAs are issued is required to assign a unique identifier to each issue. This identifier will be indicated during registration with Rosreestr, along with information about the DFA owners who act as mortgagees.

It is important to note that the acquisition of such DFAs will be prohibited until the state registration of the mortgage is complete. This innovation is aimed at protecting investors' rights and preventing potential market abuses.

Authors and Goals of the Initiative

The initiative was developed by a group of deputies and senators led by Anatoly Aksakov, Chairman of the State Duma Committee on Financial Markets. The main goal of the amendments to the law on digital financial assets is to enhance investor protection and strengthen trust in these assets. The bill opens up new opportunities for integrating digital financial assets with the real estate market, which could significantly expand their application.

According to the authors, this innovation will strengthen the role of digital financial assets as an alternative to traditional loans and bonds, attracting long-term resources to the economy. Given growing interest in digital assets, this step could facilitate the development of new financial instruments and improve the investment climate in the country.

In Conclusion

The introduction of the bill on digital financial assets as collateral for mortgage loans is an important step towards the legalization and integration of new financial technologies into the traditional economy. The official text of the bill is available on the State Duma website, and its discussion will undoubtedly attract the attention of investors, as well as financial and legal experts.