Apps like Vk Pay, Telegram Payments, and the Russian version of PayPal (Qiwi Transfer) enable instant peer‑to‑peer (P2P) transfers using phone numbers or usernames. Users can link foreign cards, but conversion fees apply when sending rubles. The services are ideal for splitting restaurant bills, renting apartments, or sending money to local friends. Transaction limits are typically set at ₽100,000 per month for non‑verified users. Security measures include two‑factor authentication and transaction PINs.