Digital ruble: discovered, tried, forgotten.
The Russians open about 30,000 wallets with digital rubles per week. But they use them less and less. In the first days of the mass launch, about 5,000 operations were performed per day, now about 3,000. A typical scenario: a person opened their wallet, handed themselves some money, looked and forgot.
Within two months, 306,000 wallets were opened, which is about a quarter of a percent of the adult population in the country. 235 thousand transactions were made in them, that is, on average less than one per wallet. Most of them are test translations for ourselves "out of curiosity".
But that flow is apparently drying up. If in the first ten days 87 thousand wallets were opened and there were 17.5 wallets for each operation, then two months after the start of the electronic ruble, this ratio is already 1 to 100.
The central bank tries to explain why a digital ruble is needed. Deputy Chairman Zolfia Kakhromnova named three profitable scenarios: free transfer of a large amount to loved ones, cheap receipt of payments for individual entrepreneurs and salaries of rubles per line for holding companies. The trouble is that people have already closed the SBP in the first scenario, and the other two are not about citizens.
The banks don't need a digital ruble either: the money in the wallet is on the central bank platform, not on their balance sheet. They were required to log in, but not to post. Therefore, the function still needs to be found in apps. In September, some people were initially unsuccessful, and for iPhone owners, the wallet was initially completely unavailable.
The central bank is also not pushing for a new device: "The digital ruble is not necessary, and without it you can live completely calmly," Kakhromonova said in September. Pensions and payments, according to her, will not be transferred en masse.
And only the head of the Federal Tax Service, Daniel Egorov, sees the digital ruble as "significant potential" for the tax administration. let's see...
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