The Central Bank drew up a plan for the introduction of the digital ruble in Russia as a new form of payment. The corresponding presentations were made by the first deputy head of the regulator Skorobogatova and the deputy head Zabotkin.

The concept of introducing the digital ruble provides for several basic provisions. It will be issued by the Central Bank, like the current forms of methods of payment (cash and non-cash rubles). The digital ruble will be stored in special wallets opened in banks, both individuals and legal entities will be able to own it.

Access to the digital wallet will be opened from any mobile application of a credit institution. Meanwhile, a second wallet will be provided, which will be located directly on the smartphone and will be responsible for offline transactions – settlements in classic stores. It will be possible to replenish it through transfers from the first type of wallet.