Когда введут цифровой рубль. Сроки и требования

cryptonews.ruPublicado a 2024-03-12Actualizado a 2024-09-12

Регулятор планирует запустить широкое использование новой формы нацвалюты к 1 июля 2025 года

Банк России назвал окончательные сроки внедрения цифрового рубля и направил соответствующие предложения по изменению законодательства в Минфин.

ЦФА, стейблкоин и цифровой рубль. Где разница и при чем тут криптовалюта

Широкое использование цифровой национальной валюты планируется запустить с 1 июля 2025 года, говорится в сообщении регулятора. К этому моменту 13 крупнейших банков России должны будут обеспечить своих клиентов готовой инфраструктурой для операций с цифровыми рублями. Пользователи должны получить возможность открывать и пополнять счета цифрового рубля, делать переводы.

rbc.group

В перечень крупнейших банков входят ЮниКредит Банк, Банк ГПБ, Совкомбанк, Банк ВТБ, Альфа-Банк, Сбербанк, Московский Кредитный Банк, Банк Открытие, РОСБАНК, Т-Банк, Промсвязьбанк, Райффайзенбанк и Россельхозбанк.

Остальным банкам с универсальной лицензией регулятор предоставит больше времени на доработку своих систем — до 1 июля 2026 года, прочим кредитным организациям — до 1 июля 2027 года.

Цифровой рубль — это еще одна форма национальной валюты России, помимо наличных и безналичных рублей, выпускаемая Банком России. Эта форма представляет собой уникальный электронный код — токен, созданный с использованием технологии блокчейн. Хранение и оборот этих токенов будет происходить на специально созданной для этого платформе Банка России.

Что такое деньги и какие у них функции в экономике

Также Банк России планирует установить сроки обязательного приема оплаты в цифровых рублях для торговых и сервисных предприятий (ТСП). Компании с годовой выручкой более 30 млн рублей должны будут это делать с 1 июля 2025 года, более 20 млн рублей — с 1 июля 2026 года, все прочие — с 1 июля 2027 года.

Регулятор напомнил, что оплата покупок цифровыми рублями будет проходить по универсальному QR-коду, и все операции с цифровыми рублями для граждан будут бесплатными.

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