The digital ruble reached 270 thousand open accounts by October 23, of which 15 thousand belong to legal entities and individual entrepreneurs. The interest exceeded the regulator's expectations. The mass phase launched on September 1, with plans for a subscription service by the end of November and testing offline payments in 2027. Operations for individuals are free, renewal is limited to 300 thousand rubles per month. The security of the monetary unit is based on a direct commitment of the central bank, and not on commercial entities, which reduces the risk of intermediary failures and increases the resistance to external restrictions. The comparability of the value through a link to the immutable price list is not yet fully realized: the digital form maintains nominal parity with the paper and non-cash ruble without strict fixation to physical resources or a basket of goods, leaving exchange rate fluctuations dependent on monetary policy. The ability to finance long-term projects is enhanced by the transparency of the settlements, programmable smart contracts and integration with budget payments, which enables the targeting of funds in infrastructure and investment programs without the mediation of external payment systems.