The central bank is thinking about deposits and refunds for the digital ruble.

The central bank is thinking about deposits and refunds for the digital ruble.

The central bank is considering how to make the digital ruble more attractive: charges to the account in digital rubles or refunds for payments are being discussed.

The deputy chairman of the regulator Zolfia Kakhromnova in the Federation Council: "We hope that the digital ruble will change the configuration - a refund will appear directly from manufacturers and trade organizations that will benefit from offering such a device." The central bank follows China's experience and prepares initiatives with sufficient support.

Within two months, citizens and businesses opened 310,000 wallets, but made only 250,000 transactions.

Bank Rating Manager "RA Expert" Vyacheslav Potilovsky:.

"The digital ruble cannot be used for loans and deposits - this limits liquidity and reduces attractiveness. Currently it can only be used for transactions. Without expanding the tools, it will be a stillborn project that will wither sooner or later. The introduction of technology cost the banks a lot of money - the project will only survive if it is used."

According to him, there is still no clear answer as to how everything will be organized - the issue is new, and the central bank itself admits that no initiatives have been created yet.

At the launch, the central bank emphasized: the digital ruble is not a store of value, no interest is charged on the balance. Citizens by law cannot open deposits in digital rubles, receive bank refunds or take out loans.