Since 2026, Russians will have access to pensions, benefits and scholarships in digital rubles
September 24 11:33
From October 1, social payments in digital rubles will be available in Russia.
This was reported by RIA Novosti with reference to the member of the State Duma Committee on Information Policy, Information Technologies and Communications, the Federal Coordinator of the Digital Rossiya party project Anton Nemkina.
“At the initial stage, digital rubles will be used for a limited list of federal budget expenditures. This approach allows you to test a new system on a limited scale and avoid failures at a massive crossing, ”said Nemkin.
From next year, the use of digital currency will be expanded. From January 1, 2026, the digital ruble can be used for any federal payments, including pensions, scholarships, state employees and benefits.
Nemkin emphasized that the new format does not cancel the usual ways of calculations, but expands the possibilities. Citizens will be able to independently choose the form of receipt of payments: for a bank card, in cash or in digital rubles.
Digital ruble is the third form of the Russian ruble (the first is Cash money – coins and banknotes, the second non -core – money in bank accounts)The Bank of Russia issues. Its main differences from the already familiar non -cash form are exclusively electronic form, storage place and the principle of operation. At the same time, 1 digital ruble is 1 non -cash ruble, as well as 1 cash ruble.
In 2027, the mechanism is planned to be extended to regional budgets and extrabudgetary funds. According to Nemkin, this is a systematic solution that will unify financial flows at all levels – from federal to municipal. For the state, this means increasing the transparency and speed of calculations, and for citizens – new convenient tools for managing the means.
“If the allowance or pension gets into the pilot list from October 2025, citizens will learn about this in advance and will be able to choose the method of receiving, while the process of using the digital ruble will be as simple as possible: access through the bank’s mobile application, the possibility of transfers and payments, and if necessary – instant converting into normal money,” Nemkin explained.
He also noted that the automatic opening of accounts is not provided, and the opening of the digital wallet will require a conscious decision from the citizen.
As explained by the regional director of PSB in Krasnoyarsk Konstantin is non -humble, non -cash money is stored in bank accounts, which the client may have several in different financial organizations. The client can manage this money only through the application of the bank in which the account is open, pay for purchases – only the card that is tied to the account. When funds are not enough on one bank account, the money must be transferred from another account. Moreover, if the accounts are opened in various financial organizations, a commission may be provided for the operation.
“Unlike non -cash money, a digital ruble is stored on a digital ruble account, an open client on the Bank of Russia platform. These funds are not attached to a particular financial organization. It will be possible to manage them through any banking application connected to the Central Bank platform. When using a digital ruble, settlements go directly through the Bank of Russia platform. Since each digital ruble has a unique digital combination, operations with it are as transparent as possible, the risks of fake and fraud are minimized, ”said Konstantin is non -fringed.
