OMG. You don't know how does it work in Russia. And these exchangers are Russian. Have you heard about darks? Have you heard about merchants registered to other person's name you can buy? Have you heard about Qiwi payment system? You can register there using darks and have a merchant (providing only physical person's passport number). Also you can have Qiwi virtual card and receive money from clients to this card. And almost all exchangers that provide exchanges from bank cards accept funds to Qiwi virtual cards.
I do not have any idea how Russian economy works. In a normal stat you will need KYC and company registered if you want to run an online business that needs to accept payment and also to send money. The transactions have to be via the authorized bank or you will be convicted for money laundering.
This is one of the many reason most of the crypto users like to stay anonymous. Who give a sh*t to some centralized agency to determine what you should and should not do.