Yup the main market for all the
EMI's formed in Eastern European countries along the borders with Russia is to service Russians looking to launder money and Russians resident in those border countries. Other clients outside Russia who use these
EMI's are simply side business to the true activity of these EMI's. This goes for 99% of Eastern European EMI's funded with mostly Russian money. EuroPay's affiliated companies is a brilliant example of them marketing to Russian clients pre-made companies with an open account at EuroPay and business history - for one purpose only

. They really give Eastern Europe a bad name and compromise the EU in the long run.
In practice nothing really other than deposit insurance that banks offer and the ability of banks to be able to offer credit etc.
Yes. Some people in fact entirely use EMI's like
Transferwise which are much cheaper and easier to deal with than banks.