About digital financial assets and some approaches to assessing the level of risks of introducing and using the digital ruble
https://doi.org/10.34020/1993-4386-2025-3-35-43
Abstract
The financial sector of Russia is one of the most technologically advanced. Large Russian banks have been actively implementing new technologies over the past decade that change and simplify our lives. The implementation and use of new technologies is impossible without the support of the regulator, which in turn promotes the development and implementation of new technologies in the financial market. One of these tools is the digital ruble. The digital ruble is the third form of money, which will very soon become an integral part of our lives. Thanks to the introduction of the digital ruble, Russian citizens will be able to make free transfers, and businesses will be able to reduce their own costs when processing payments, thanks to low commissions, which differ significantly from the usual acquiring. Along with the unconditional advantages of the digital ruble for business, the population and the state, the third form of money carries certain risks that require mitigation by financial market participants and the regulator.
About the Authors
E. Musatov
Autonomous Non-Commercial Organization Of Higher Education "Institute of Social Sciences"
Russian Federation
Russian Federation
Egor M. Musatov – graduate student
Moscow
G. Fadeikin
Audit Firm Financial Expertise LLC
Russian Federation
Russian Federation
Georgy A. Fadeikin – Candidate of Economic Sciences, Associate Professor, member of the Editorial Board of the scientific journal Siberian Financial School, financial consultant
Novosibirsk
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Review
For citations:
Musatov E., Fadeikin G. About digital financial assets and some approaches to assessing the level of risks of introducing and using the digital ruble. Siberian Financial School. 2025;(3):35-43. (In Russ.) https://doi.org/10.34020/1993-4386-2025-3-35-43
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