Buying crypto: the checks that matter before rubles leave your bank

Check the exit before the purchase

Open the external withdrawal screen for the exact asset. You need the required blockchain, an available withdrawal service, a usable minimum and a fee you can afford. Being able to buy USDT does not mean you can withdraw USDT on every network.

Complete the account's identity checks before putting money into it. Bybit requires at least Standard identity verification for its products; KuCoin requires verification for new users; MEXC also requires KYC for platform access and withdrawals. Account eligibility and the permitted purpose of a payment still matter after verification. Exchange conditions for Russian users separates these questions.

If the purchase is for a casino deposit, copy its current coin and network instruction first. The sender's terms must allow the intended use. Moving funds through a personal wallet does not remove a provider's prohibition.

After payment, follow the order's dispute process

Use the platform's paid confirmation only after making the actual payment. If the crypto has not been released, follow the order's displayed appeal procedure. Give support the order ID, transfer reference, actual recipient and the relevant messages. Do not accept a mutual cancellation merely because the other person calls it a required support step.

If you sent to the wrong recipient or paid outside the platform order, contact your bank and the platform promptly with the actual facts. Recovery depends on the payment circumstances; support or the bank may be unable to return the money. Avoid anyone offering recovery in exchange for another transfer, a remote-access session or your wallet recovery phrase.

When you later sell crypto through P2P, the direction changes: you are the person waiting for bank money. Check the real balance and transaction in your own bank before releasing crypto. A screenshot, email or SMS supplied by the buyer can be false. This seller-side check does not replace the buyer's correct-payment checks above.

Finish the purchase record before sending onward

Check that the bought asset is credited and available for withdrawal. Save the purchase or P2P order, ruble payment, account statement, conversion amount and withdrawal record together. These explain where the crypto came from if a later provider asks.

For a self-custody wallet, also check the fee resource for the next send. A token balance alone may not pay the blockchain cost. Then follow the first deposit workflow with the current destination instruction, recipient amount and any memo.