What are the benefits of the digital ruble


Against the backdrop of the SVO and Western sanctions, the Russian financial department was faced with the question of the widespread introduction of the digital ruble and CFA (digital financial assets) into money circulation. This innovation can radically change the financial system of the Russian Federation, bringing it to a new level and bringing the country's transition closer to sovereign the economy.


After the start of the special operation, work on the introduction of the digital ruble accelerated. This is largely due to a number of prohibitive measures on the part of the West, the main of which was the restriction of payments via the SWIFT system. The digitalization of the ruble introduced by Moscow makes it possible to successfully carry out settlements with other countries - this was shown by test payments with subscribers from Thailand, China and the United Arab Emirates.

The digitalization of the Russian currency can bring tangible benefits to citizens and businesses. We are talking about smart contracts that allow you to avoid unnecessary bureaucracy when concluding transactions. Along with this, P2P lending and payment for housing and communal services in one click will become more widespread.

In addition, the widespread use of CFA is beneficial to the state, since it relieves it of the obligation to issue money. Specialized companies will generate digital rubles, while the state will supervise the volume of digital money supply. At the same time, state institutions will be able to more easily control income and expenses.

Into the hands of the digital ruble and the exchange sphere. It is beneficial for investors, because, in this way, interaction with banks and government services will be simplified. Exchanges, for their part, will be able to track capital outflows more easily.

Banks are currently working on by technology automation of unique numbers when transferring from liquid money to digital rubles. Other necessary software is being developed at the Ministry of Digital Development, Communications and Mass Media of the Russian Federation.
  • Photos used: collage "Reporter"
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  1. trampoline instructor (Cotriarch Peril) 21 November 2022 15: 32
    0
    In addition, the widespread use of CFA is beneficial to the state, since it relieves it of the obligation to issue money.

    These are all dreams of the distant future. Now they sometimes recall what exactly various clairvoyants predicted in the 50-60s of the last century and which of their predictions came true. You can dream, in 2102 (perhaps) they will remember.
    And paper money will continue to be issued in Russia for the foreseeable future.
  2. zzdimk Offline zzdimk
    zzdimk 21 November 2022 15: 49
    0
    A digital currency linked to real values ​​has the right to exist only if its quantity remains unchanged. But it will be tied, in any case, to the rates of the main currency in which it is declared, and nothing can change this.
    1. lord-palladore-11045 (Konstantin Puchkov) 21 November 2022 21: 33
      +3
      This is true, but since the ruble will be digital (non-cash), it will not be possible to hide it. The state will know where and who has each ruble. It will be more convenient for the state to shake out money from citizens.
  3. Dmitry Volkov Offline Dmitry Volkov
    Dmitry Volkov (Dmitry Volkov) 21 November 2022 16: 32
    -2
    Let's dream, and ... forget, like the golden ruble, mattress covers will not allow us drinks
    1. lord-palladore-11045 (Konstantin Puchkov) 21 November 2022 21: 28
      -1
      And what about mattress pads? Will anyone ask them?
  4. Sergey Latyshev Offline Sergey Latyshev
    Sergey Latyshev (Serge) 21 November 2022 16: 36
    +3
    Labuda.
    The main thing:

    Digital rubles will be generated by specialized companies...

    And who owns SWIFT and other "specialized companies"? clear who..
    That is, a system of payouts for the oligarchs, or a private American Fed.
    Is there a cashless ruble? there is! But for the masters of life, more is needed. more, more ... from the air, such as uncontrolled "remote voting", to wind zeroes for yourself ....
  5. prior Offline prior
    prior (Vlad) 21 November 2022 18: 10
    +3
    Nabiullina and Siluanov came up with a way to trick the common people, how to steal and withdraw money from the country so that no one would find anything and no one would prove anything.
  6. Jacques sekavar (Jacques Sekavar) 21 November 2022 19: 32
    +1
    Digital banknotes reduce the cost of issuing and disposing of existing paper and metal banknotes, reduce transaction costs and speed up money circulation, increase bank income, significantly increase public oversight by controlling income and expenses and assigning each person a reliability rating similar to a credit history.
    1. prior Offline prior
      prior (Vlad) 22 November 2022 09: 43
      +1
      Today, with the existing digitalization, so much money is stolen from citizens that they cannot be taken away by Kamaz trucks.
      Would they steal so much if the money was paper?
      They would be tormented to carry bags.
      And with digital - just a few button presses.
      And what do I save from this? Increasing bank interest on all types of transactions?
      1. Jacques sekavar (Jacques Sekavar) 22 November 2022 11: 12
        0
        Serious people have not stolen boxes from copiers for a long time - skill comes with age, and health goes away and does not allow carrying such burdens. Therefore, all calculations are carried out in virtual space through PCs, smartphones, and in speed and through implantable multifunctional chips that will monitor you day and night, your well-being and mood, movement and every spoken word, and these are numbers, programs, blockchain, and so that - to steal or cover up the traces, you have to be an academician of IT technologies, and even such high-class specialists are calculated by other specialists and artificial intelligence if they receive the “face” command
  7. lord-palladore-11045 (Konstantin Puchkov) 21 November 2022 21: 25
    +2
    For the state, this is, of course, a benefit, but for citizens it is a digital concentration camp. Now citizens do not trust the state, and therefore state banks. So keep your cash at home. With the introduction of the digital ruble, there will be nowhere to hide money, and distrust of the state will increase. ... "there is no money, but you hold on."
    1. Jacques sekavar (Jacques Sekavar) 22 November 2022 11: 08
      0
      A digital concentration camp is not only digital banknotes, but also digitized everything else - food, housing, trade, communications, medicine, cultural enlightenment, sports, etc., etc. The whole world is entangled in digital networks.
      All banknotes perform the function of a measure of value, which is determined by labor costs and qualifications, a means of payment, accumulation and exchange.
      Digital tugrik, rupee, dollar, euro, renminbi and other banknotes what are they provided with and how are they ranked among themselves - how much will a kilogram of gold cost in which you want to invest your digital savings in digital tugriks, euros, dollars, renminbi, rubles, who will determine it, digital stock market speculator?
      1. lord-palladore-11045 (Konstantin Puchkov) 25 November 2022 16: 15
        0
        To whom this or that ounce of gold has sailed will be shown by the gold exchange - now even Swiss banks do not keep banking secrecy. So it doesn't change anything.
  8. Anti Danilevski Offline Anti Danilevski
    Anti Danilevski (Anti Danilevski) 22 November 2022 12: 40
    +1
    In addition, the widespread use of CFA is beneficial to the state, since it relieves it of the obligation to issue money. Specialized companies will generate digital rubles, while the state will supervise the volume of digital money supply.

    What kind of hell is this? Mixed in a bunch of horses, people ...

    There can be only one issuer of state funds in the Russian Federation - the state represented by the Central Bank of the Russian Federation.

    Cryptoruble is a digital currency, not a digital financial asset. In accordance with 259-FZ, CFA cannot be a means of payment. In addition, according to the legislation of the Russian Federation, money surrogates are prohibited.

    The author does not understand the subject at all, which he writes about, and then delusional rumors and reposts begin to circulate from such creativity by the same journalists who are too lazy to study the issue thoroughly, if only to write the material and get their 2500 rubles.
    1. Jacques sekavar (Jacques Sekavar) 22 November 2022 19: 31
      0
      In addition to state entities, private banks are also issuers under the guise of various loans and credits, actually increasing the amount of money supply. It's like gold, which is physical and banking, exchange, paper, the volume of which is many times greater than its physical presence.
      Crypto surrogates of banknotes are a scam, soap bubbles of unknown owners are absolutely not backed by anything. Digital banknotes are issued by the main banks under the guarantees of state entities.
      The digital renminbi was pre-tested in some regions of the PRC and at the Olympic Games, and this summer, under the name e-CNY, it became a legal means of payment and settlement in the PRC with good prospects on the international market, which greatly strains the shareholders of the US Federal Reserve and spurred work on digital banknotes worldwide.
  9. Alex D Offline Alex D
    Alex D (Alex D) 22 November 2022 17: 31
    0
    It is not enough for them that, taking into account inflation, up to $30 trillion has already been pumped out of the country over 30 years. They want chips for us like dogs and to keep track of everyone. One consolation - the fate will be like that of the Venezuelan Elpetro with MMM - i.e. nafig no one needs.
  10. silviu Offline silviu
    silviu (Silviu) 22 November 2022 22: 07
    -1
    What are the benefits of the digital ruble

    Since it is faster to write numbers than to print money, the probability of future inflation will decrease.
    1. Igor Offline Igor
      Igor (Vladimirovich) 23 November 2022 04: 13
      +1
      bullshit! Do you have any idea what the monetary aggregate is and what is M0? higher? Inflation can be dispersed WITH ANY money: both cash and digital.
  11. Igor Offline Igor
    Igor (Vladimirovich) 23 November 2022 03: 59
    0
    complete nonsense and nonsense! It's just that someone really wants to "put under" control, flows, etc. over "like a digital ruble", which in fact already goes around. For example, people receive salaries on cards and so on the same digital ruble.
    The fundamental problem of the economics of the Russian Federation is the undermonetized economics. Say thanks to Nabiullina and K. for this. It makes it possible to develop. Therefore, it doesn’t matter at all which ruble. What matters is raising funds for development. There is and will not be investment from abroad - it is necessary to make the ruble investment. But the Russian Federation will not allow this and will die.
  12. zloybond Offline zloybond
    zloybond (steppenwolf) 25 November 2022 18: 20
    0
    In addition, the population under the hood. Money in the bank people have only a plastic card. Everything's under control. Transfer your salary to Sberbank, buy through the Sbermarket, in general, it remains only to prick the number on your hand.