Transfers and payments for goods and services using QR

[tanjimajuha20]

So far, only one restriction is planned to be introduced - a limit on transfers from your bank account to a digital wallet at the level of 300 thousand rubles per month. In addition to this amount, citizens will be able to receive transfers from other people, for example, relatives and friends. At the same time, it will be possible to spend funds and send them without restrictions, the Central Bank emphasized.

The digital ruble is planned to guatemala whatsapp resource be introduced into mass circulation in stages upon successful completion of piloting of all scenarios for operations with it. This could happen on the horizon of 2025–2027, the regulator added.

At the first stage of testing, basic operations will be checked: opening a digital account, replenishing it, paying for goods and services, transfers between individuals by phone number and receiving balance information, said Vitaly Kopysov, Director of Innovations at Sinara Bank. He explained: credit institutions will provide the ability to use the new form of money for transactions and settlements through mobile applications, while clients' funds will be stored on the Central Bank platform.

The safety of the technology will also be under the control of the regulator, Ingosstrakh Bank emphasized. They noted that clients from among the employees of the credit institution have already carried out the first real transactions with the new form of national currency. At this stage, they tested intra-bank transfers and payment for services of the parent company.

codes have also been tested in PSB and VTB, their representatives said. The next step will be the ability to open an account for the digital ruble in the remote banking system for legal entities, as well as the use of smart contracts, the VTB press service reported.

Increase trust
Trust in the digital ruble will begin to increase when the first test results appear, PSB noted. They reminded that the main purpose of the third form of national currency is not accumulation and savings (there are classic deposits for this), but ensuring safe and transparent settlements between enterprises and citizens.

The most realistic timeframe for introducing the new technology into mass circulation is 2026-2027, according to Andrey Varnavsky, head of the Ingosstrakh financial technology center. In his opinion, the main difficulty in introducing the third form of national currency will be the need to convince businesses and citizens of the convenience and effectiveness of its use.

In addition to educational work, it is necessary to introduce direct economic benefits, Andrey Varnavsky is sure. For example, reduced fees for transactions in the digital ruble are already provided. However, the more benefits, the more attractive the instrument will be.

After the launch of the project, many Russians who currently keep money in non-state digital currencies will most likely think about the fact that it is much safer to keep funds in the new form of the ruble, says economist and communications director at BitRiver Andrey Loboda. They will be located on a special platform of the Central Bank, and this will insure against possible bankruptcy of a commercial player and revocation of its license. In addition, they will be used to pay on the territory of the Russian Federation, unlike crypto.

To popularize the new technology, the regulator will most likely launch an educational program, noted the founder of Anderida Financial Group Alexey Tarapovsky. This will help increase the number of Russians who are ready to use the third form of national currency. At the same time, given the experience of countries that have already implemented digital currency, the share of transactions using it will probably not exceed 10%, the expert estimated.