New payment instrument: Belgorod residents explained how digital rubles work

Since September 2026, digital rubles have become available to customers of major banks. In two months, the Russians opened more than 200 thousand wallets. This result exceeded the expectations of the Central Bank, as by the end of December experts expected to see about 60 thousand open wallets.

However, some people fear that everyone will be forced to use digital rubles. Citizens are intimidating each other: pensions and salaries will be charged only with a new form of currency. What's the reality?

Third way

As Olga Avershina noted, this is just an additional opportunity for making payments and transfers. All citizens have their own habits, and the digital ruble is another tool to choose from.

No savings

It is important to understand that the new form is not intended for savings. The digital ruble does not charge interest, do not give it cashback and loans. This tool is only for calculations and transfers.

What's different from a cashless?

The main feature of digital rubles is that transactions with them take place not within the system of a particular bank, but on the platform of the Bank of Russia. There are no commissions for citizens. There are minimum rates for business.

Tune in to suit yourself

Another feature is the ability to use smart contracts. All the terms of the transaction can be written in advance, and the money will be written off automatically and only when all the conditions are met.

This technology is also useful for the budget. You can see the entire payment chain down to the recipient. In addition, it is possible to specify in advance what exactly the money is allowed to spend. For example, during the construction of a school, funds can be spent only on building materials, salaries and other expenses provided for by the project.

How do I open an account?

Any citizen over 18 years old can try out digital rubles. To do this, it is enough to go through the procedure once in the mobile application of the bank, whose client is a person and who is connected to the platform.

More details - in the material "BelPress".

We will remind, Belgorod explained what to do with debts and how not to fall into the trap of collectors.