In the future, Russians will be able to receive pensions in digital rubles, if the country does introduce such a means of payment, they thought about the transfer in Central Bank . This was reported by the head of the regulator Elvira Nabiullina , reports TASS .
She recalled that even now, citizens can receive pensions both in cash and to the post office or bank account. At the same time, Nabiullina recalled that the decision to introduce the digital ruble in the country had not been made. “We are really discussing the pros and cons, and different technological risks may arise. Plus, we need to understand what people and businesses will really get from this,” she said.
As conceived by the Central Bank, in the future, the crypto-ruble should become the third form of money in the country along with cash and non-cash, and the Central Bank itself will issue it. They assured that the process will be gradual and will not affect bank rates. The transfer of the digital ruble from user to user will take the form of moving a digital code from one electronic wallet to another. The regulator also sees the cryptoruble as an opportunity to avoid using the SWIFT system.
According to estimates Sberbank, within three years after the launch of the digital ruble in this new form of non-cash rubles, which are stored in banks, can go from two to four trillion rubles. This can lead to a shortage of liquidity and an increase in lending rates.