Digital Ruble: opportunities for the future
The central banks of the developed countries of the world have been discussing the need to introduce a digital currency for a long time. By mid-2020, testing of the national digital currency (Uruguay, Ukraine, Ecuador) has already been completed in three countries of the world, and the Bahamas have already been using the possibilities of the Sand Dollar digital currency since the same year. In 2017, Russian President Vladimir Putin issued a Decree «On the Economic Security Strategy of the Russian Federation for the period up to 2030», which defined the task of developing digital economy technologies as a key one. Since then, a lot of time has passed and many factors have appeared that necessitate the creation and introduction of a digital ruble. The article discusses the concept of digital currency and its differences from cryptocurrency in the context of the development of the modern Russian market economy. An analysis of the concepts of the digital ruble was carried out and a conclusion was made about what future lies behind the digital economy and what impact the digital ruble will have on the global financial system. The purpose of the study is to determine the benefits and consequences of the functioning of the digital ruble in the Russian payment system, as well as possible problems and associated risks and threats.