In 2024, the NPS demonstrated stability and continued to evolve. Russia’s payment infrastructure is still one of the most advanced worldwide. All types of payment and funds transfer instruments available in Russia are continuously improved, and they are in high demand among individuals and businesses. Active development of the national payment infrastructure (the Mir PS and SBP) helps ensure a high quality of payment services and meet households’ and businesses’ increased demands for modern and convenient means of payment and funds transfer, including real-time instruments. As of early 2025, 224 credit institutions were connected to SBP. The number and volume of transactions conducted via SBP throughout 2024 were up 1.9 and 2.2 times year-on-year, respectively. Innovative means of payment and funds transfer are becoming increasingly popular. In 2024, transactions executed with use of instruments other than payment cards accounted for more than 9% of the total amount of cashless payments. Payment instruments continued to transform, responding to consumers’ needs and taking into account the innovations in the financial market, which further boosted the share of cashless payments in retail turnover; by the end of 2024, it reached 85.8%.