About the circulation of the digital ruble on the platform of the Bank of Russia

The article describes the process of circulation of the digital ruble in the Russian monetary system as the third form of national money. The regulatory and legal documents that allow this form of money to be put into circulation are indicated. The process is currently at the pilot testing stage. On the basis of regulatory documents, the circulation of the digital ruble and the functioning of the digital platform of the Bank of Russia are described in detail. The order of interaction of the subjects of the digital platform, access to banking operations, types of digital accounts and transactions are considered. A dynamic analysis of the number of ruble accounts opened by legal entities and individuals with remote access, as well as payments made on them, was carried out. Based on the analysis, it is concluded that there is a potential for digital money and its demand by economic entities. In conclusion, it is proposed to study the procedure and rules for the circulation of the digital ruble by including them in the financial literacy course programs currently taught by many organizations.