Digital ruble starts full rollout in Russia

The Russian digital ruble entered its broadest operational phase since September 2026, becoming a third official form of the Russian currency alongside cash and bank money. The project aims to reduce the costs of financial transactions by transferring some movement of funds to direct electronic wallets held with the Central Bank, while commercial banks continue to interact with users. The digital ruble is used as an additional option for payments and transfers, without mandatory use, featuring precise tracking of money through digital tokens, which facilitates monitoring funds allocated for government contracts and support guarantees. The project faces reservations from the Russian banking sector regarding the reduction of commission revenue, while Russia seeks to strengthen its financial independence and decrease reliance on Western systems following sanctions. It represents a strategic step to address challenges related to cross-border transactions and external settlements.

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