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Filler text: Getting around the restrictions now requires a growing network of middlemen to avoid regulatory scrutiny even if the transactions have nothing to do with Russia’s war machine, the officials and financiers said, while increasing currency conversion and commission costs.

“It’s getting harder and harder every month. One month it is dollars, the next month it is euros; within six months you basically won’t be able to do anything. The logical endpoint of this is turning Russia into Iran,” said a senior Russian investor, referring to strict financial sanctions against Tehran.