How the account works
The account is maintained on the Bank of Russia platform while participating banks provide access. A user opens one digital-ruble account and can access it through connected banking applications.
Not a deposit or a loan
Digital-ruble balances do not earn interest. The Bank of Russia does not lend digital rubles; commercial banks continue to provide deposit and credit products.
Correction history
No material corrections have been made.
This material is informational and analytical and does not constitute individual legal advice.