Цифровой рубль станет доступен гражданам в 2025–2027 годах, рассказала первый зампред ЦБ Скоробогатова. На текущий год планируется тестирование инструмента, пишет РБК.
Цифровой рубль станет доступным для использования гражданами в 2025–2027 годах, заявила первый зампред ЦБ Ольга Скоробогатова в интервью Forbes.
«Думаю, что все россияне смогут иметь возможность открывать кошельки, получать цифровые рубли и использовать их на горизонте 2025–2027 года. <…> Полномасштабное внедрение цифрового рубля — это точно процесс на несколько лет, и нет никакой необходимости делать его быстрее», — сказала она, добавив, что «этот и следующий год мы точно будем жить с цифровым рублем в режиме пилотирования, с очень ограниченным количеством клиентов и операций».
Скоробогатова отметила, что цифровой рубль рассматривается как средство для платежей и переводов по более выгодным тарифам, но не для сбережений — процент на остатки на кошельке Центробанк начислять не будет, также исключается выдача кредита в цифровом рубле.
Оплата с помощью цифровых рублей будет реализована через QR-коды. Чтобы оплатить покупку, надо будет считать QR-код мобильным приложением банка, выбрать в качестве средства платежа цифровой рубль и подтвердить платеж. Как указано на сайте ЦБ, в перспективе цифровыми рублями можно будет расплачиваться с помощью бесконтактной технологии NFC.
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