Prospects for the development of the digital ruble – a new form of national currency

Abstract

The article discusses topical issues of the development of the Russian payment system related to the introduction of a new form of national currency – the digital ruble, assesses the benefits for individuals and legal entities provided by the digital ruble, certain types of risks associated with the new payment option. The author, considering the issues of the technology of functioning of the digital ruble platform, analyzes the reasons for the Central Bank's choice of a hybrid platform architecture involving the use of both components of a centralized system and components of distributed registries.