Digital currency as a factor in transforming the legal status of non-cash funds

In the digital economy, the financial sphere and money are undergoing rapid changes, which entails the transformation of their legal regulation. Changes are taking place not only in settlement forms and banking models, but also in the payment instruments themselves. The purpose of the article is to clearly distinguish the concepts of official and non-official payment instruments in order to ensure safe and stable money circulation. Empirical methods of comparison and observation; theoretical methods of analysis, formal and dialectical logics are used in the preparation of the article.