VTB started pilot implementation of a new payment instrument Wave developed by the NSPC. This is a contactless payment technology via Bluetooth, which, unlike Apple Pay or Google Pay, does not require NFC and can operate at a greater distance. In addition to VTB, testing is being carried out by MKB, Sinara, PSB, Dom.RF and other banks. Sberbank plans to launch its own alternative to Apple Pay in the second half of 2025.