I contacted a lot of my Russian colleagues and none are affected by this SWIFT ban and are still being paid by EU companies. They receive their funds from private banks that are not under these sanctions.
I guess they might be affected once Russia starts borrowing the cash from citizens to fund the war.
This has already started to some degree, starting from today, all russian citizens are banned from sending money over to their overseas accounts, all tax resident companies (and if you are a russian citizen, the only legal way to work for a foreign emplyer from russia is via creating a legal entity which is akin to a 1-man company) must sell 80% of received foreign currencies (this applies to money that was received starting from Jan 1st).
This would be because Russia no longer has that foreign currency, since it was frozen. If 60% of a totalitarian dictatorship's foreign currency is frozen, the dictator is going to make sure that all the foreign currency which the dictatorship does have access to belongs to him.
"Borrowing cash" is slightly less likely to lead to hyperinflation in the short term. "Slightly" and "short term" doing some heavy lifting in that sentence though.
But "slightly" might be useful to the Russian government given the game plan seems to be to try and complete the invasion before the Russian people mass revolt against their own government as the price of bread goes up 10,000%.
I guess they might be affected once Russia starts borrowing the cash from citizens to fund the war.