Ivanovo residents told how to use the digital ruble

Deputy Chairman of the Bank of Russia Zulfiya Kakhrumanova on the radio “Komsomolskaya Pravda” listed cases when the digital ruble is more profitable than the usual methods of payment.

The first scenario is an urgent transfer of a large amount to a relative: on the platform of the digital ruble, this is done free of charge and without limits, although you can replenish your wallet by no more than 300 thousand rubles per month. The second scenario will be useful for individual entrepreneurs: the commission for trading operations is 0.3 percent, and by the end of the year it is not charged at all, whereas in the Quick Payments System it is 0.5 percent. The third option is suitable for large holdings with many legal entities: transfers between companies go seamlessly, without reference to the operating day in different time zones, and the payment of wages costs only one ruble per line in the register. All transfers for citizens are free and not limited by limits, access to the account is possible from the application of any bank, and the funds are guaranteed by the state in full. Offline payment in digital rubles has not yet been launched: the regulator is testing a prototype with a small number of participants, after which it plans to replicate the technology.