Answer
Yes, P2P schemes in Russia can result in a bank account being blocked. Oversight of such schemes has been tightened, so regular or unexplained transfers between individuals can raise questions.
The risk is related not only to the transfer technology itself, but also to the origin of the money and account activity. The recipient may not know where the counterparty’s funds come from, and numerous incoming payments from different people may look like undeclared commercial activity.
For relocation and large sums, P2P transfers are particularly problematic: the money may later need to be explained to a bank, tax professional, or the other party to the transaction. A transparent route through a clearly identifiable sender is usually safer than a chain of private transfers without documents.