Ukrainians have long joked:
"The state controls nothing, but definitely suspects something."
That's it. The end of this joke.
🔥 Because starting from December 1, 2025, the NBU will launch TrackSEP — the official service for tracking each of your bank payments in SEP, from the moment you press the "Transfer" button to the crediting of the recipient's account.
This is not gossip, not 'bank rumors', not fantasies of financial monitoring.
This is an official infrastructure reform that will change all the rules of the game — for businesses, bloggers, cryptonians, and everyone who uses P2P.
🚨 What exactly did the NBU launch?
TrackSEP is a new service that allows you to see the entire path of the payment, including its statuses:
'Initiated'
'Being processed by the bank'
'Waiting in SEP'
'Credited to the recipient'
… and all other stages that were previously hidden.
In fact — it opens full telemetry of the Ukrainian banking system.
Tracker address: //tracksep.bank.gov.ua
🔑 UETR — a universal payment identifier: now each transaction has its digital fingerprint
Every transfer receives a unique UETR code (Unique End-To-End Transaction Reference).
Enter this code in the service — and you will see:
where the payment is 'hanging';
at which stage it is;
when it was accepted/rejected;
when the bank transferred it to the SEP;
when the SEP transferred it to another bank;
when the funds were credited.
No personal data — but a complete map of the movement of funds.
🕵️♂️ **Why is this important?
Because transparency is not only for you but also for the state**
TrackSEP is:
✔️ Transparency of payments in real-time
(useful for business)
✔️ Reduced burden on banks
(fewer manual checks, fewer calls to support)
✔️ A new era of financial monitoring
(important for everyone who uses P2P, crypto exchanges, regular transfers)
✔️ Infrastructure for connecting transaction analysis by government agencies
(if the state has access to the payment status — this is a basis for further control modules)
The NBU directly states that this service is the foundation for:
integrations with European systems;
multicurrency payments;
using analytics and AI when processing transactions.
We have been describing for several weeks:
Ukraine is moving towards full digital transparency of citizens' financial lives — and this is another brick in this wall.
⚡️ Mandatory UETR for all banks — starting April 1, 2026
And here begins the most interesting part.
From this day, banks are required to:
creating UETR for each payment;
transmitting UETR to the client;
transmitting statuses to TrackSEP;
keeping a complete history of the movement of funds.
That is, each transaction is now like a package from Nova Poshta, but for money.
And all its movements are recorded in real-time.
🤔 What does this mean for the crypto community?
🔥 1. P2P is becoming more transparent than ever
We have already warned: the era of 'anonymous' card-to-card transfers is ending.
Now every P2P will be:
identified,
linked to UETR,
with full visibility of routes.
🔥 2. 'Gray' schemes for topping up crypto are becoming riskier
Because everything that looks like:
frequent payments,
identical amounts,
uneven geography,
signs of business activity,
— now it will be visible to the sender, the recipient, the bank, and potentially the state.
🔥 3. The outflow of shadow cash flow into crypto will become more complicated
The NBU is essentially receiving infrastructure that allows:
to see anomalies,
tracking connections,
analyzing payment networks.
🔥 4. This is a direct foundation for the future national AML module, which can work in conjunction with the draft law on virtual assets.
⚖️ What does this mean for ordinary Ukrainians?
✔️ Finally, you can track 'lost' payments
(a big plus)
✔️ Fewer disputes with banks
(no need to call: 'Where did the money go?')
✔️ More responsibility for formulating the purpose of the payment
the things we literally wrote about in the previous posts.
✔️ More transparency for the tax authorities
There is nothing to explain here.
🟦 Conclusion from Moon Man 567
TrackSEP is not just a 'new service'.
This is the launch button for the era of complete digital transparency of finances, where:
banking operations have a digital passport,
payments are tracked at all stages,
algorithms analyze customer behavior,
and financial privacy becomes a scarce resource.
And if cryptocurrency has become a path to freedom for many, the state is doing everything to ensure that traditional financial flows are maximally controlled.
This is neither good nor bad — this is a new reality that we need to be prepared for.
👉 Subscribe to me — here you will be the first to learn how to adapt to these changes and stay one step ahead.
