Translation. Region: Russian Federal
Source: Mainfin Bank –
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What pros and cons do Russians see in the new digital currency?
The citizens surveyed believe that the new currency, which is to be launched in the foreseeable future, has its advantages. 10% of respondents named security, reliability, protection from fraudsters as advantages, another 3% each – ease of payments and the possibility of state control. There were significantly more disadvantages:
12% of Russians noted a low level of personal data protection; excessive control by the state – 8%; linking of electronic wallets to the Internet – 6%; difficulty of use – 4% of citizens.
Only 6% of survey participants did not see any disadvantages to the new form of payment – the same result was recorded a year earlier. The majority of citizens are wary of digital assets, and consider state control over the personal finances of the population to be excessive.
How do citizens rate their readiness to use digital rubles?
Russians also assessed their own awareness of the electronic ruble – 7% of citizens know well how the new currency works, 45% have a general idea, 43% have only heard the term. At the same time, few Russians want to personally use digital rubles:
24% would definitely not like to use a new form of payment; 27% said that they are rather not ready for experiments; another 14% of respondents found it difficult to answer; 26% of Russians are generally not against using the digital ruble; only 9% of people definitely want to try electronic currency.
According to the survey results, only 35% of respondents agree to use digital rubles. It is interesting that over the past two years, this figure has increased – previously, only 30% of Russians expressed such readiness.
Why are Russians wary of the digital ruble?
Experts assured that the skepticism of the population is the result of low awareness of digital assets: people are afraid of everything unknown, especially in the area of personal finance. The possibility of total state control also raises concerns, although the authorities promise that the level of supervision will be the same as in the banking system.
“It is necessary to conduct explanatory work and build up the information campaign as the digital ruble is prepared for a large-scale launch,” the Central Bank of the Russian Federation stated.
Let us recall that the project was supposed to start on July 1, but the regulator was forced to postpone the deadline due to the banks' unpreparedness to work with the platform. Now the Central Bank of the Russian Federation proposes to introduce the digital ruble no later than September 1, 2026. There is still more than a year left until the new deadline, but experts doubt that even then the new form of payment will be available to every citizen – commercial banks are actively opposing the project's implementation due to the risk of a significant reduction in commission income.
12:00 07/22/2025
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