Digital ruble system: subjects and risks inherent in each subject of the system

At the stage of development of economic relations, when the gap between materially produced values and the monetary equivalent became very significant, a cryptocurrency arose. In order to reduce the risk of using cryptocurrencies in the shadow economy, the Russian Federation decided to introduce the digital ruble as a full-fledged participant in non-cash payments. In the course of processing, studying and analyzing the accumulated materials, such methods as analysis and synthesis, abstract-logical, comparative, and the method of detailing were used the study is based on the analysis of statistical data from the Central Bank of the Russian Federation. In the system of functioning of the digital ruble, three main entities can be distinguished - the Central Bank of Russia, which provides the issuance of the digital ruble, commercial banks that are intermediaries in the use of the digital ruble, legal entities and individuals who are the end consumers of the digital ruble. The introduction and full use of the digital ruble as a means of payment and settlement is possible with the full interaction of the subjects of the system and minimizing the main risks of the system. For the full functioning of the digital ruble between the subjects of the system, it is necessary to eliminate the main risks. For the Central Bank of Russia, this is the achievement of maximum security of the digital ruble platform. For intermediary banks- it is the minimization of financial losses. For legal entities and individuals-insurance of possible risks of loss of the digital ruble.