RBK Pro: The Future of the Digital Rouble

2026-04-17 11:30

The digital rouble is a new tool that could strengthen the security of public and corporate finances. Above all, its introduction could be particularly beneficial in the public sector, where large amounts of budget money are spent, including grants, tenders and procurement.

Vera Kosukhina, chief accountant at Selecty:

«Every ruble receives a unique code. This makes it possible to track its path, protect it from counterfeiting, and ensure that funds are used for their intended purpose».

The first stage of the digital ruble’s rollout will focus on retail, e-commerce and marketplaces. The business-to-business market will also be able to program and automate contract payments. However, small and medium-sized businesses will likely face difficulties adapting to the new payment method due to the complexity of implementing the technology. This may also lead to higher costs linked to process redesign and the need to allocate additional resources.

Vera Kosukhina, chief accountant at Selecty:

«The new payment method could be attractive to individuals because it offers free transfers, protection against fraud, and easy conversion into non-cash funds».